vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NY

Complaint narrative:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or credit issued to the obligir.

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 2025-07-20 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: MI

Complaint narrative:
On XX/XX/year>, I reviewed my Equifax credit report and found an auto loan account from XXXX XXXX XXXX ( account ending in XXXX ) being reported with a charge-off status, a balance of {$29000.00}, and a derogatory remark stating Charged off account Auto. 

I did not authorize or open this account. I have never applied for an auto loan with this lender, nor did I agree to this debt. This is likely a case of identity theft or an erroneous report. 

In addition to being unauthorized, the account contains reporting issues that violate my rights under the Fair Credit Reporting Act : It lacks a credit limit and monthly payment field It reports severe delinquency and charge-off status with no validation It is damaging my credit and falsely representing my financial history This reporting violates FCRA 605B ( blocking fraudulent accounts ), 602 ( A ) ( accuracy standards ), and 611 ( reinvestigation rights ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Gross Polowy LLC
State: NY

Complaint narrative:
This is a formal escalation regarding the ongoing CFPB cases against Gross Polowy LLC, XXXX XXXX XXXX XXXX, and XXXX and highlighting willful attempts by parties involved in a fraudulent foreclosure scheme to evade CFPB XXXX and deflect federal scrutiny. 
Despite multiple formal complaints, including identity theft and unlawful foreclosure using a fictitious trust, the involved parties have not responded to the CFPB. Instead, XXXX hours after filing the complaints I received an email purporting to come from the chambers of the XXXX XXXX Supreme Court, yet it did not originate from any official XXXX domain. It appeared to be a spoofed or falsified email, with the name of the unregistered XXXX XXXX XXXX listed in the header a clear violation of legal communication standards. I immediately sent an email to the formal XXXX XXXX Supreme Court XXXX alerting of the email and formal cease and desist from all parties and received no reply. 
For the record, judges do not serve court orders via email, especially not through generic domains. This tactic appears to be an intentional misrepresentation of judicial authority, likely done to create fear or coerce cooperation without legal standing. 
In connection with this event, the same woman who previously accompanied the XXXX XXXX representative '' the individual who XXXX my son with a fraudulent XXXX to vacate notice has now been seen stationed across XXXX XXXX from my property. She is XXXX XXXX XXXX XXXX XXXX XXXX, clearly attempting to intimidate us while avoiding legal entry, knowing that the property is under active federal investigation. Her behavior, alongside the spoofed communication, strongly suggests an orchestrated effort to bypass both due process and agency review. 
The alleged trust involved, XXXX XXXXXXXX XXXX XXXXXXXX, continues to use the identity of my deceased husband to claim ownership over a fictitious mortgage created XXXX years after his death. Notably, they continue to cite XXXX XXXX as the trustee, despite XXXX XXXX directly confirming to me and to your agency that they are not involved, they do not serve the area where I live and do not hold any interest in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-07-20 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: NY

Complaint narrative:
Submitted to the CFPB on XX/XX/XXXXXXXX XXXX XXXX Round Ongoing Willful Noncompliance by TransUnion under FCRA 605B ) This is my fourth formal attempt to compel TransUnion to fully comply with Section 605B of the Fair Credit Reporting Act ( FCRA ). I submitted a complete identity theft dispute to TransUnion on XX/XX/XXXX, including : ( XXXX ) FTC Identity Theft Report ( # XXXX ), ( XXXX ) Government-issued photo ID, ( XXXX ) Social Security card, and ( XXXX ) Proof of current address. TransUnion partially responded by deleting the XXXX account and some hard inquiries, but continues to unlawfully report multiple other fraudulent accounts clearly identified in the same FTC report. The remaining fraudulent accounts still appearing on my TransUnion file include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud date : XX/XX/XXXX ). These were all reported as fraudulent in the original FTC filing and are tied to identity theft. The partial deletion confirms TransUnion accepted the validity of the report yet they have provided no written justification for refusing to remove the rest. This violates : 605B ( c ) ( 1 ), which mandates that all identity theft-related data be blocked within 4 business days of receiving a complete dispute ; and 605B ( c ) ( 3 ), which prohibits the continued reporting of information after receiving proper documentation. TransUnion can not lawfully pick and choose which parts of an identity theft dispute to honor. There is no provision in the statute allowing for partial compliance or requiring creditor verification once a valid identity theft report is provided. The fact that XXXX and Experian removed these same accounts based on the identical documentation proves that TransUnion is acting inconsistently and unlawfully. Over a month has passed without any response, resolution, or legal basis for continued reporting. I now demand : ( XXXX ) Immediate and complete removal of all remaining fraudulent accounts identified above, ( XXXX ) A formal written explanation for TransUnions repeated failure to comply with 605B, and ( 3 ) Written confirmation that TransUnion recognizes and will uphold its obligations under federal law. If TransUnion continues to ignore this matter, I will escalate further with the Federal Trade Commission, the State Attorney General, and pursue civil remedies under FCRA 616 and 617 for willful and negligent noncompliance.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: TX

Complaint narrative:
I attempted to file this dispute electronically, with supporting evidence and documents attached. XXXX system crashed at submission. I have screenshots of the failure and am proceeding via certified mail to preserve my legal rights. 
CarMax Auto Finance and XXXX XXXX failed to process my XXXX insurance claim after my vehicle was totaled in XX/XX/XXXX. I submitted the claim ( Claim # XXXX ) on XX/XX/XXXX, and followed up multiple times with no response. 

Despite compliance on my part, CarMax reported a {$1200.00} deficiency to XXXX and other credit bureaus, damaging my score. This balance should have been resolved under my XXXX contract. 

Ive attached the claim emails, proof of insurance payout, XXXX claim confirmation, and the settlement details. XXXX dispute portal crashed when I tried to report this, and Im now mailing them certified proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
This is a account for college I have XXXX XXXX XXXX XXXX! I have never signed for anyone to go to college! This is a fraudulent loan opened by company without verifying information! They had an email address that I have never had! I have provided to company ID theft affidavit as well as filled out their XXXX complaint form! They have reported knowingly that account does not belong to me late payments and have not devoted account from my credit report! If not removed I will be suing for XXXX XXXX dollars! ALL XXXX companies were provided with notarized fraud affidavit forms!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reporting serious issues in the servicing of my federal student loans by MOHELA. Based on a detailed review of my account history, I request a full investigation into the following recurring and harmful practices : XXXX. Improper Interest Charges During CARES Act XXXX  ( XXXX ) : Despite the federally mandated 0 % interest period from XX/XX/XXXX through XX/XX/XXXX, MOHELA charged me {$640.00} in interest-only payments per month throughout that period. This contradicts the XXXX XXXX provision for paused payments and 0 % interest. Sample entries include : - XX/XX/XXXX : {$0.00} Principal, - {$650.00} XXXX - XX/XX/XXXX : - {$210.00} Principal, - {$420.00} Interest XXXX. Unexplained Capitalized Interest Events : MOHELA added multiple large capitalized interest amounts without prior notice, clear explanation, or documentation. This includes : - XX/XX/XXXX : {$5700.00} - XX/XX/XXXX : {$1500.00} - XX/XX/XXXX : {$1500.00} These events significantly increased my loan balance without transparency. 
XXXX. Missing PSLF and IDR Payment Tracking : Ive made approximately XXXX payments from XX/XX/XXXX through XX/XX/XXXX, but my account reflects no PSLF or IDR progress tracking, despite working for PSLF-eligible employers such as the XXXX XXXX XXXX and as a XXXX XXXX XXXX XXXX school districts. 
XXXX. XXXX XXXX XXXX : My payments have been consistently applied primarily to interest rather than principal, stalling meaningful repayment progress. For example : - XX/XX/XXXX : - {$250.00} Principal, - {$380.00} XXXX - XX/XX/XXXX : - {$260.00} Principal, - {$380.00} Interest XXXX. Excessive Monthly Payments Under XXXX : Despite presumed eligibility for an XXXX plan, my monthly payments consistently ranged from {$640.00} to $ XXXX above the expected levels for my income tier under XXXX policies such as the XXXX plan. 

I respectfully request the CFPB investigate these violations and ensure full correction and borrower relief. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
To resolve this matter fairly and in compliance with the Fair Credit Reporting Act ( FCRA ) and federal law, I am requesting the following actions : Immediately and permanently delete the fraudulent accounts and unauthorized inquiries listed below, which I previously disputed and provided supporting documentation for : XXXX XXXX XXXX XXXXXXXX Account No : XXXX XXXX XXXX XXXX Account Nos : XXXX and XXXX XXXX  XXXX Account No : XXXX Block all identity theftrelated data within 4 business days in accordance with 15 U.S.C. 1681c2, as you have already received : My FTC Identity Theft Report Government-issued ID Social Security card Proof of current address Provide a corrected and updated copy of my credit report reflecting these deletions.

Send me written confirmation of the deletions and identity theft blocks within the legal timeframe.

Failure to fully resolve this issue will result in additional complaints to the CFPB, FTC, XXXX, and the Attorney General 's Office. I also reserve the right to take legal action under FCRA 616 for statutory and actual damages. 

This is a clear case of identity theft, not a misunderstanding, and I expect complete resolution without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX, here i attached report number since XXXX, debt collector doesn't answer, and this collection has to be removed as FCRA requires by law

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 2025-07-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: FL

Complaint narrative:
Experian and XXXX are reporting false information, including a timeshare account opened under coercion and financial duress while I was a victim of human trafficking. I have invoked my rights under FCRA Sections 605B and 605C, yet Experian and XXXX  continues to demand documents that are not legal requirements. Ive filed formal complaints with the XXXX and the Attorneys General of Florida, Nevada, Texas, and Georgia regarding Experian, XXXX and XXXXXXXX XXXX for their noncompliance and refusal to block & delete fraudulent accounts within 3 days as is required by law.

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 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
After reviewing my chexsystem and XXXX XXXX, I noticed account that was not familiar to me, i requested the account and yet to be justified on my chexsystem and 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To resolve this matter in full compliance with the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian take the following actions without further delay : XXXX. Reinvestigate and Remove Inaccurate Late Payments Conduct a comprehensive reinvestigation of all the accounts listed below, requiring each furnisher to provide documented proof that they sent timely and verifiable notice of the upcoming payment due dates and/or delinquency : XXXX XXXX XXXX XXXX XXXX XXXX And all XXXX accounts listed under account numbers ending in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these furnishers can not provide proof that such notification was sent before the late payment was reported, those late entries are considered incomplete and inaccurate, and must be permanently deleted from my credit file under : FCRA 1681e ( b ) Duty to report with maximum possible accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnisher obligations FCRA 1681i ( a ) Dispute and verification rights XXXX. Provide Updated and Corrected Credit Report Send me a written confirmation of the results of your reinvestigation, and Provide a corrected copy of my credit report that reflects the deletion of any unverifiable or inaccurately reported late payments. 

XXXX. Timeline for Resolution I expect all steps above to be completed within XXXX business days of receipt, as this is now my second notice and a formal complaint has already been filed with the Consumer Financial Protection Bureau ( CFPB ). 

If this matter remains unresolved, I will pursue further action through : The Federal Trade Commission ( FTC ) The Office of the Attorney General in my state and yours And, if necessary, I will pursue damages under FCRA 616, which entitles me to up to {$1000.00} per violation, plus legal fees and compensation for any actual harm caused by your failure to act. 

This request is grounded in law and fairnessI am not asking for special treatment, only that my credit report reflect verified, accurate, and legally compliant information.

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