vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: IN

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 four 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 : INQUIRIES : XXXX XXXX Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard 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 hard 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 US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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:
I am writing to demand the immediate blocking and permanent deletion of all fraudulent accounts associated with my personal information. I am a confirmed victim of a recent data breach that has compromised the privacy and security of countless individualsincluding myself. 
The following accounts were opened or accessed without my authorization and are the direct result of identity theft : Fraudulent Accounts : - XXXX Account # : XXXX - XXXX  Account XXXX : XXXX - XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX Account # : XXXX - XXXX Account # : XXXX - XXXX  Account # : XXXX - XXXX Account # : XXXX - XXXX Account XXXX : XXXX - XXXX  Account # : XXXX - XXXX  Account # : XXXX - XXXX Account # : XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ( a ) ), I am legally entitled to have these fraudulent accounts blocked and removed from my credit report. The breach has exposed my personal data and placed me at serious risk of financial harm and identity theft. 
Personal Information for Verification : - Full Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XXXX  - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I demand that you take immediate action to block and delete all compromised accounts listed above. Please provide written confirmation once this has been completed. If additional documentation is required, I am prepared to provide it without delay. 
This matter is urgent and must be resolved swiftly. I expect full compliance with federal law and a prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: NC

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 four 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 : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard 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 hard 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 US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NC

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$00.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard 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 hard 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 hard 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 2025-08-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per credit reporting laws I did not consent the reporting of these credit cards. Also the amount owed is not accurate.

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 2025-08-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per credit reporting laws I did not consent the reporting of these credit cards. Also the amount owed is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Name Change request started on or before XX/XX/year> I am the surviving spouse and co-signer of the mortgage note for the above-referenced property. Despite providing all legally required documentation, NewRez has refused to properly recognize me as the surviving borrower and continues to list the account under XXXX of XXXX XXXX XXXX. 

This conduct violates the CFPB Mortgage Servicing Rules ( 12 CFR Part 1024, Regulation X ) regarding successors in interest and federal law requiring accurate credit reporting. 

Supporting Facts I signed the mortgage note as a co-borrower alongside my late spouse, XXXX XXXX XXXX. 

After his passing, I submitted the following documents to NewRez : Certified death certificate My drivers license Current utility bill ( Electric Bill ) Survivorship deed NewRezs internal records reflect receipt of these documents. 

Despite this, NewRez continues to mislabel the account as belonging to the XXXX of XXXX XXXX XXXX and has repeatedly stated they can not speak with me. 

I remain a borrower of record and homeowner. Their refusal to correct their records has caused the following harm : Prevented me from using my deed to access credit and financial services Damaged my credit score through inaccurate reporting Caused ongoing financial and personal harm

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 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV Funding LLC Charge off from XXXX AVANT Never received my 1099-C from XXXX AVANT when they charged off this debt on their taxes as a profit loss so I can claim it as income on my taxes. 
The company XXXX XXXX received their money back when they Charged off the debt and got a tax break from it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian for reporting multiple accounts that are inaccurate, unverifiable, or misleading, in violation of several federal laws including : 15 USC 1681g Failure to provide full source and method of verification of reported items 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting information without reasonable investigation or accuracy 15 USC 1692e Use of false, deceptive, or misleading representations by debt collectors 15 USC 1692g Failure to validate debt within 5 days of initial contact 15 USC 6802 Failure to protect consumer information and maintain confidentiality 15 USC 1666a-b / 1635 / 1602 ( p ) Violations in credit billing and lending disclosures The following accounts on my Experian report are being challenged : XXXX XXXX  ( multiple entries ) These are debt buyers reporting past-due balances without first validating the debt per 1692g. 

XXXX is reporting multiple collection accounts from the same originators under different account numbers ( including XXXX XXXX, XXXX XXXX, and XXXX XXXX ), which is a violation of 1692e ( 8 ) misleading representation and possible double jeopardy. 

XXXX XXXX XXXX  ( Account : XXXX ) XXXX both original charge-off and sold debt, which is duplicate reporting and misleading under 1692e.

Account was charged off and sold, yet Experian still reports it as a balance owedviolating FCRA 1681s-2 ( b ) by not updating the tradeline to reflect the sale. 

XXXX XXXX XXXX ( multiple accounts ) Debt buyer reporting four separate collections without proof of ownership, chain of title, or validation.

This is a direct violation of 1692g and 1681g. 

XXXX XXXX XXXX XXXX Account shows as charged off, but with a {$0.00} balance, indicating it was sold. 

The company continues to report a derogatory mark after the sale, violating FCRA and 1692e ( 2 ) ( A ). 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. 

All reported charge-offs or collections without validation, no updated status after disputes, and no proof of liability, which is in violation of FCRA 1681i, 1681s-2, and FDCPA 1692g.

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 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard 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 hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard 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 2025-08-18 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
On XX/XX/year>, I submitted a legally valid blocking request under FCRA Section 605B to the credit bureau, providing : Official FTC Identity Theft Report # XXXX ( federal evidence sufficient under the law ). 

Specific identification of fraudulent account : XXXX  XXXX. 

Complete documentation as required by FCRA 605B.

A formal blocking request with all legally required elements.

Flagrant Violation of Federal Law Federal law 15 U.S.C. 1681c-2 ( a ) ( 1 ) ( A ) is mandatory and unambiguous : " The agency shall block the information within 4 business days '' when a valid FTC report is provided.

More than 30 days have passed, and the bureau continues to deliberately violate this federal law by keeping active an account I never opened.

Direct and Ongoing Harm Caused by Non-Compliance Measurable Financial Harm Credit score artificially suppressed, preventing legitimate credit access.

Punitive interest rates when approval is obtained.

Inability to refinance my mortgage on better terms.

Ongoing denial of essential credit.

Personal and Professional Harm Apartment rental denied directly due to this fraudulent account.

Inflated insurance premiums tied to a suppressed credit score.

Documented stress affecting health and work productivity.

Professional opportunities at risk due to employer credit checks.

Pattern of Regulatory Negligence The bureau demonstrates a systematic disregard for : Explicit federal mandates.

Fundamental consumer rights as an identity theft victim.

Official federal evidence ( FTC report ).

Ongoing harm to a consumer who complied fully with all legal requirements.

This is not a mere error or delay.

It is a deliberate violation of federal law that forces me to continue suffering consequences for crimes I did not commit.

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 2025-08-18 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:
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 four 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$360.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard 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 hard 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 US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: AZ

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations. 

I request to confirm this correction in writing and provide an updated copy of my credit report showing the accurate and corrected personal information. If this can not be verified the validity of these aliases and addresses with sufficient legal documentation linking them to me, then they must be removed immediately as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Millco Management
State: FL

Complaint narrative:
I currently have a medical debt that was placed with a collection agency. However, the debt collection company is no longer in business, and I have been unable to get in contact with them in order to make payment arrangements. Because the company has shut down, I have no way of resolving or paying this debt directly.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Case went to small claims court for trial on XX/XX/year>2025 for {$3900.00}. Judge ruled in my favor and dismissed the case. ( Document attached ) Send demand letter on XXXX/XXXX/2025 did not get a response

Company response to consumer: Closed with explanation