vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I sold my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Closing was on XX/XX/year>. The Escrow Company ( XXXX XXXX ) had been instructed to pay off the outstanding loans including the XXXX lien mortgage, a PACE loan, a HELOC and an HVAC loan with SERVICE FINANCE COMPANY. Approximately, XXXX  days after the sale of my home, I was contacted by SERVICE FINANCE COMPANY for payment. " I explained that my home was sold, and they should have received the payoff for the loan for the HVAC ( furnace ). They told me they had not received any payment. 
In the meantime, I was contacted all the parties involved with the sale of my home ( Realtor, XXXX XXXX, and Attorney ) to resolve the matter. I always paid my monthly payments to the SERVICE FINANCE COMPANY. 
During this short window of time, the SERVICE FINANCE COMPANY chose to report me to the credit agencies : " as not more than XXXX payments passed due ( XXXX ) with XXXX This negatively impacted my credit score by XXXX points. This is based on XXXX XXXX XXXX XXXX  reporting data. '' SERVICE FINANCE COMPANY has harmed me with this negative and inaccurate accounting. This situation is not my fault, and they should have the decency to understand and work with me. Instead, they have chosen to bring adverse credit reporting against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attentiontothismatter. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX XXXX {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b regarding the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions permitting the collection, use, or disclosure of this information. This constitutes a clear violation of the permissible purpose requirements under federal law, and I have formally disputed the items in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon reviewing my credit report, I have identified certain item ( s ) that contain inaccuracies : 1.The inquiry was not authorized XXXX  Account Number : InquiredonXXXXXXXX 2.The inquiry was not authorized XXXX Account Number : Inquired on XXXX XXXX, XXXX 3.The inquiry was not authorized XXXX XXXX Account Number : Inquired on XXXX XXXX XXXX XXXX 4.The inquiry was not authorized XXXX XXXX  Account Number : Inquired on XX/XX/XXXX 5.The inquiry was not authorized XXXX Account Number : Inquired on XX/XX/XXXX 6.The inquiry was not authorized XXXX XXXX  Account Number : Inquired on XX/XX/XXXX 7.The inquiry was not authorized XXXX  XXXX Account Number : Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
( Experian, Equifax, and TransUnion ) Your Name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, California XXXX DOB:XXXX SSN XXXX Todays Date : XX/XX/XXXX To : Experian, XXXX XXXX  XXXX, XXXX, TX XXXX Equifax, XXXXXXXX XXXX XXXX XXXX, GA XXXX TransUnion, XXXX. XXXX XXXX, XXXX, PA XXXX Re : Formal Dispute & Request for Deletion of Obsolete, Inaccurate, and Unverifiable Information To Whom It May Concern : I, XXXX XXXX XXXX, am formally disputing several negative entries currently appearing on my credit profile with your bureau. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate, verifiable, and timely information. 

I am demanding the immediate investigation and permanent deletion of any account or negative item that meets any of the following criteria : 1. Any account that is more than 7 years old Per FCRA 605 ( a ), negative information can not be reported beyond 7 years ( except for bankruptcy ).

Any entry older than 7 years must be removed immediately.

2. Any charged-off, written-off, or closed account older than 7 years These accounts are legally obsolete and must be deleted.

3. Any account that can not be verified within 30 days Per FCRA 611, if you can not verify an item within 30 days, it must be deleted.

4. Any account reporting incorrect dates, amounts, ownership, balances, or status Inaccurate information violates FCRA 607 ( b ) and must be corrected or removed.

5. Any account that was re-aged illegally If any creditor changed the date of last activity to extend the reporting period, this violates FCRA and must be removed.

Request for Action I am demanding the following under federal law : Conduct a full reinvestigation of all negative items. Delete all items that are : over 7 years old charged off/sold/written off unverifiable inaccurate misreported Provide me with a new copy of my credit report showing the deletions. Notify any furnishers that you have deleted the accounts. Identification Included This letter serves as my formal dispute under the Fair Credit Reporting Act.

Failure to comply may result in complaints filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Civil legal action I expect a response within 30 days as required by law. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attentiontothismatter. 

FRAUDULENT ACCOUNTS TO BE BLOCKED IMMEDIATELY : Unknown - XXXXXXXX XXXX XXXX XXXX XXXX  - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. - Remove it from my credit report. 

Unknown - XXXX XXXX XXXX  - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. - Remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attentiontothismatter. 

FRAUDULENT ACCOUNTS TO BE BLOCKED IMMEDIATELY : Unknown - XXXXXXXX XXXX XXXX XXXX XXXX  - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. - Remove it from my credit report. 

Unknown - XXXX XXXX XXXX  - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. - Remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am unassociated with these accounts ; they must be cleared within 15 days per USC 1681g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX  - XX/XX/XXXX - {$340.00} Hard Inquiries : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$450.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$2200.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$190.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$2200.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$720.00} Inquiries : XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX/DOFED Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX/DOFED Account Number : XXXX XXXX/DOFED Account Number : XXXX XXXX/DOFED Account Number : XXXX XXXX Account Number : XXXX XXXX/DOFED Account Number : XXXX XXXX/DOFED Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently looked at my credit report from TransUnion and I found several hard inquiries that are the result of identity theft. 

These inquiries were not authorized by me and should be removed. 

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within 4 business days of receipt.

These inquiries are causing me hardship and are preventing me from obtaining new credit. 

List Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The following accounts are misrepresented by Midland Credit Management Company : # XXXX # XXXX # XXXX I am writing to formally dispute issues regarding three accounts held with Midland Credit Management. Despite my previous attempts to resolve these matters directly with the company, I have not received satisfactory responses. 

Details of Dispute : I have attempted to validate this debt with them and asked for clarification of how the charges doubled after the card had not been used for several years. These debts were sold to several third-party collectors, and I have yet to see the itemized breakdown of these charges, fees accrued, as well as my identifying information validated. My name on the debt states XXXX, and my legal name is not spelled this way. I want validation that they have the right to collect these debts, along with itemized breakdown of all accrued fees since these charges have all doubled in these three accounts in spite of the accounts being nearly 4 years delinquent from the last use. Statute of limitations states this debt is not even able to be collected based on last usage for all three of these accounts. They have also been sold to multiple creditors and there has been no documentation provided to validate that Midland is legally allowed to collect this debt on behalf of the original creditor.

Impact : These errors have affected my credit report, my financial stability, and my ability to secure fair financial terms. They have harassed me and threatened to take legal action against me.

Resolution Requested : Validation of the debts listed and correction of any inaccuracies.

Removal of any improper charges or reporting.

Written confirmation from Midland of the actions taken.

Any other fair resolution the CFPB deems appropriate.

Statement of Good Faith : I am requesting this resolution in good faith and expect Midland to provide validation and correction in accordance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX my credit card was charged in Florida XXXX, while my card was in my possession and l live in different state and never been in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
i am submitting this complaint because i am being contacted and reported on by a creditor regarding an account as bank of america acc noXXXXwihtout receiving proper debt validation under fcra.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute the following items on my Experian credit report, which I believe contain inaccuracies. The accounts in question are listed below : [ Charged Off Accounts ] DEPT OF ED/XXXX, XXXX, XX/XX/XXXX, {$340.00} DEPT OF ED/XXXX  XXXX, XX/XX/XXXX, {$550.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$2800.00} DPT ED/XXXX XXXXXXXX, XX/XX/XXXX, {$2700.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$180.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$1400.00} DPT ED/XXXX, XXXX, XX/XX/XXXX, {$2100.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$3600.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$1300.00} DPT EXXXX, XXXX, XX/XX/XXXX, {$2200.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$160.00} XXXX XXXXXXXX, XX/XX/XXXX, {$2100.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$790.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$760.00} [ Late Payments ] XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation