vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Apelles, LLC
State: TX

Complaint narrative:
I am filing XXXX formal dispute and complaint regarding a collection account that is being reported on my consumer credit file ( XXXX XXXX ) who has failed to validate the debt in accordance with FDCPA 809 ( b ) and continued to report unverifiable information in violation of the FCRA 611 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ).

Legal Basis for Removal Despite my timely and certified request for validation under FDCPA 809, the collector either : Failed to provide full chain of assignment or legal ownership.

Could not supply an original signed contract or application showing my agreement to this debt.

Continued to call and report the item to the credit bureaus without marking the account as " disputed '', violating FCRA 623 ( a ) ( e ).

Under the FCRA 611 ( a ), consumers have the right to request an investigation into disputed items that are incomplete, inaccurate, or unverifiable. The lack of legal documentation makes this debt unfit for consumer reporting. Continued publication of this collection is harming my creditworthiness and violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: OR

Complaint narrative:
XX/XX/year> Transunion went through a security breach. I have multiple alerts with my credit monitoring services of over XXXX inquiries place don my credit file since this breach using my sensitive information. These alerts have been used by XXXX XXXX, XXXX, and other credit companies. I have not authorized the use of my social security to obtain any credit. Additionally there are public records posted to my credit file that are not mine. No credit bureau has sent me proof of any documentation proving I had anything to do with any of these inquiries or public records reports. I would like a thorough investigation and all negatives immediate removed from the credit file.

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 2025-09-29 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: LEXISNEXIS
State: OR

Complaint narrative:
XX/XX/year> XXXX  went through a security breach. I have multiple alerts with my credit monitoring services of over XXXX inquiries place XXXX my credit file since this breach using my sensitive information. These alerts have been used by XXXX XXXX, XXXX, and other credit companies. I have not authorized the use of my social security to obtain any credit. Additionally there are public records posted to my credit file that are not mine. No credit bureau has sent me proof of any documentation proving I had anything to do with any of these inquiries or public records reports. I would like a thorough investigation and all negatives immediate removed from the credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
The late payments reported on XX/XX/year> and XX/XX/year> are inaccurate/inconsistent across bureaus and unverifiable under FCRA 623 . 
I request that you conduct a full investigation and remove any unverified or inaccurate late payment marks from my credit report. 

In compliance with FCRA 611, please provide the method of verification, including the records you used, or delete the information if it can not be substantiated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$720.00} XXXXXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-29 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX 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 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 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 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 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

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-09-29 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: MO

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 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 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 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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
After a lengthy underwriting process with unrealistic timelines to submit request ( I was given XXXX minutes to submit a proof of residency ) to refinance my current mortgage with Nationstar Mortgage XXXX  Mr Cooper. I was given a closing date and closing paperwork, I signed the closing paperwork as instructed and was notified the next day after closing that the loan would not be funded because Mr Cooper made a mistake on the loan paperwork and recorded my wife 's social security number incorrectly. Although Mr Cooper recorded the social security number incorrectly on the loan paperwork they were provided the correct social security number and used it to perform a credit check during the underwriting process. After providing Mr Cooper with the correct social security number again I have not been provided with a solution to correct this issue and prevent the loan from being delayed. I was told that I would have to start the application process over. A simple clerical error on XXXX XXXX behalf is now causing a breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : [ XXXX ] To : Consumer Financial Protection Bureau ( CFPB ) Experian, XXXX, and XXXX  Re : Formal Dispute Fraudulent Accounts/ Identity Theft FTC Identity Theft Report Numbers : XXXX & XXXX Accounts in Dispute ( Fraudulent / Unauthorized ) XXXX. XXXXXXXX XXXX XXXX Account XXXX XXXX ( XXXX XXXX  Experian / XXXX ) Balance : {$24000.00} | Status : Charge-Off | Reported Fraud Amount : {$240000.00} ( FTC Report ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX ( XXXX  / Experian / XXXX ) Balance : {$330.00} | Status : Collection / Charge-Off | Reported Fraud Amount : {$330.00} ( FTC Report XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Basis of Dispute I am a victim of identity theft, supported by the attached FTC Identity Theft Reports. The above accounts are fraudulent, unauthorized, and unverifiable. Reporting these accounts violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Mandates blocking fraudulent accounts once identity theft documentation is provided.

FCRA 602 ( A ) & 607 ( B ) : Requires maximum accuracy in consumer reporting.

Metro 2 Standards : Data must be reported with accuracy, integrity, and proper coding. These accounts are mis-coded, not marked as disputed properly, and contain inconsistent balance and payment reporting.

FDCPA 807 & 808 : Prohibits continued collection or reporting of debts not owed by the consumer. 



Violations Noted XXXX Account : Reports inconsistent dates ( opened XX/XX/year> but discovered XX/XX/year> ), conflicting balances ( {$26000.00} vs. {$29000.00} ), and still reports charge-off despite FTC-verified fraud XXXX 
XXXX Account : Reports as an active collection though it is XXXX fraud. Comments sections differ across bureaus, showing inconsistent data ( XXXX XXXX violation ). 
Hard Inquiries : XXXX, XXXX XXXX, and XXXX XXXX remain on file though they were unauthorized. 



Formal Demands XXXX. Immediately BLOCK and PERMANENTLY DELETE the above fraudulent accounts and inquiries under FCRA 605B. 
XXXX. Update my credit profile to reflect no liability for these fraudulent debts. 
XXXX. Provide me written confirmation of deletions within XXXX  days as required under federal law. 
XXXX. Cease and desist from reporting, re-reporting, or attempting collection on these fraudulent accounts. 

Failure to comply will result in immediate escalation, including : Filing additional CFPB and FTC complaints Legal action under the FCRA, FDCPA, and state consumer protection laws for damages and attorneys fees. 



Sincerely, 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 2025-09-29 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: FL

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Dear Equifax XXXX Department XXXX XXXX am formally disputing inaccurate and misleading information being reported on my Equifax credit report regarding the following account : - Creditor/Collection Agency : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX - Date Opened : XX/XX/XXXX - Reported Balance : {$480.00} Basis of Dispute : XXXX. Inaccurate XXXX XXXX : The account is being reported as if it is a continuous " charge-off '' each month. A charge-off is a one-time event, not something that can be repeatedly assessed on a monthly basis. 
XXXX. Balance Reporting Errors : The reported balance of {$480.00} conflicts with the account 's charge-off status. Once an account is charged off and sold or transferred, the balance should not continue to be reported in this manner by a third-party collection agency. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : Under FCRA 602 ( A ) and 607 ( b ), consumer reporting agencies are required to ensure maximum possible accuracy of the information they maintain. This account is not being reported in a manner consistent with accuracy or fairness. 
XXXX. Re-Aging Concerns : The payment history inaccurately reflects ongoing derogatory notations ( " C '' for collection and " XXXX '' for XXXX days late ), which is misleading. Once an account is charged off and transferred, the history should reflect accurately, not continuously update derogatory notations as though the account is still open and delinquent. 
Requested Action : I request that Equifax immediately investigate and remove or correct this account reporting to reflect accurate and lawful information. Specifically : - Remove the repeated " charge-off '' and " collection '' notations being applied each month. 
- Correct the balance reporting to prevent misleading duplication of derogatory information. - Ensure compliance with FCRA requirements for fair and accurate credit reporting. 
Please provide me with the results of your investigation in writing within XXXX  days, as required by law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation