vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
I have XXXX hard inquiries that I did not give permission nor did I authorize to be pulled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have XXXX hard inquiries that I did not give permission nor did I authorize to be pulled XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-23 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
For years I've been requesting to provide me info as to how they come up with the following monthly payment ; XX/XX/XXXX to XX/XX/XXXX {$1400.00} : XX/XX/XXXX to XX/XX/XXXX {$1500.00} : XX/XX/XXXX to XXXX {$1400.00} : XX/XX/XXXX to XX/XX/XXXX {$1400.00} : XX/XX/XXXX to XX/XX/XXXX {$1400.00} XXXX to XX/XX/XXXX {$150000.00} : and XX/XX/XXXX to XX/XX/XXXX {$1500.00}. please provide breakdown as to how mush for property tax ; for homeowners insurance and for the principal which equals to the monthly due. 
Please provide me copy of property tax ( from XXXX, RI ) and homeowners insurance from ins. brokers both for year XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. 
Tell me why my mortgage has been charge with property inspection ( {$890.00} ) and legal fees ( {$270.00} ) and late fees charges ( {$2200.00} ). 
please provide me how my mortgage has {$7900.00} overdue payments all shown on monthly statement dated XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
am submitting this complaint because a debt collection agency, Cavalry Portfolio Services , LLC, has failed to provide the legally required proof of debt after I formally requested it. 
Details of the Issue : I was contacted by Cavalry Portfolio Services , LLC regarding an alleged debt. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I sent a written request for validation of the debt, including the following : - Verification of the original creditor - Full accounting and breakdown of the alleged amount - A copy of any signed agreement or contract bearing my signature - Chain of assignment showing how they acquired the debt - Forward flow agreement, if applicable Despite making this request, the only document I received was a credit card statement, which does not constitute sufficient proof of the debt or satisfy my request for validation. 
According to FDCPA 809 ( b ), a consumer has the right to dispute a debt and request verification within 30 days of being contacted. The collector must cease collection until the debt is validated. 
Cavalry Portfolio Services , LLC has continued their collection efforts without providing proper verification. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
This seems to be a similar incident to what happened to me in XX/XX/year>. My aunt fraudulently opened a mobile phone account using my Social Security XXXX. At that time my credit score dropped and I was alerted, which led me to dispute the account online, have it removed and resulting in me freezing my credit to prevent this. A similar event happened two weeks ago but the account is not listed within my credit report for me to dispute. I called the company and spoke to two representatives informing them of my aunt 's criminal background and history. They provided a list of addresses and information she provided to open the account but nothing matched to me. They said they would send an identity theft/fraud report package within XXXX days but it never arrived and now I am getting lost in their customer support carousel. My credit score remains XXXX points below what it had been and there is no option to dispute this account to the three agencies as it simply doesn't exist within my report. All my accounts are in good standing, my score was around the XXXX mark prior to this and my job/living history all dates back to California where as this fraudulent account comes from the midwest.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a XXXX XXXX account, that is reported as a charge off account which is reporting inaccurately. I was 120 days late in XXXX of XXXX when I called to pay off the debt, the account was not charged-off at the time. This charge-off that is reported on my credit is not accurate and is hurting my credit. I do not recall having this debt charge-off, my account should report as current of XX/XX/XXXX when I paid off the debt, the charge-off remark is inaccurate and extra damaging. Please investigate and place this account in dispute. Please send all validation documents to verify this debt and the account status. If you are unable to do so please remove this account

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 2025-06-23 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NJ

Complaint narrative:
I am filing this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized accounts being reported on my credit file. These items are damaging my credit profile and were either the result of identity theft, unauthorized reporting, or incomplete reinvestigations by the credit bureaus. 

Despite prior disputes, these accounts continue to appear, which is a direct violation of my rights under FCRA. I am requesting an immediate deletion of all listed accounts as they do not accurately reflect my credit history or have been improperly verified. The failure to remove unverifiable information is negligent and unlawful. 

Below are the accounts that must be immediately removed from my credit report : Negative Accounts to Be Removed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Status : Collection, Charged-Off Balance : {$2900.00} Reported to : TransUnion, Experian, Equifax XXXX XXXX Account XXXX : XXXX Status : Charge-Off Balance : {$0.00} Reported to : TransUnion, Experian XXXX XXXX Account # XXXX XXXX Status : Collection Balance : {$570.00} Reported to : TransUnion, Experian, Equifax XXXX XXXX ( XXXX XXXXXXXX XXXX  ) Account # : XXXX Status : Closed by credit grantor Reported derogatory Reported to : Experian, Equifax FCRA Violations & Legal Grounds for Deletion : FCRA 605B : Reporting accounts due to identity theft must be blocked.

FCRA 611 : Credit bureaus are required to conduct proper investigations ; continued reporting of disputed accounts shows failure to comply.

FCRA 609 : I am entitled to full disclosure of the method of verification and original source, which has not been provided.

FCRA 623 : Furnishers must report accurate and complete information. Continued misreporting is a breach.

FCRA 602 ( A ) : Congress established my right to fair and accurate credit reporting. These accounts are violating that right.

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 2025-06-23 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: NJ

Complaint narrative:
I am filing this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized accounts being reported on my credit file. These items are damaging my credit profile and were either the result of identity theft, unauthorized reporting, or incomplete reinvestigations by the credit bureaus. 

Despite prior disputes, these accounts continue to appear, which is a direct violation of my rights under FCRA. I am requesting an immediate deletion of all listed accounts as they do not accurately reflect my credit history or have been improperly verified. The failure to remove unverifiable information is negligent and unlawful. 

Below are the accounts that must be immediately removed from my credit report : Negative Accounts to Be Removed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Status : Collection, Charged-Off Balance : {$2900.00} Reported to : TransUnion, Experian, Equifax XXXX XXXX Account XXXX : XXXX Status : Charge-Off Balance : {$0.00} Reported to : TransUnion, Experian XXXX XXXX Account # XXXX XXXX Status : Collection Balance : {$570.00} Reported to : TransUnion, Experian, Equifax XXXX XXXX ( XXXX XXXXXXXX XXXX  ) Account # : XXXX Status : Closed by credit grantor Reported derogatory Reported to : Experian, Equifax FCRA Violations & Legal Grounds for Deletion : FCRA 605B : Reporting accounts due to identity theft must be blocked.

FCRA 611 : Credit bureaus are required to conduct proper investigations ; continued reporting of disputed accounts shows failure to comply.

FCRA 609 : I am entitled to full disclosure of the method of verification and original source, which has not been provided.

FCRA 623 : Furnishers must report accurate and complete information. Continued misreporting is a breach.

FCRA 602 ( A ) : Congress established my right to fair and accurate credit reporting. These accounts are violating that right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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 have credit inquiry, s .It 's for a credit card on looked at on XX/XX/XXXX and the company 's name is XXXX also I have another inquiry from another card XXXX  looked at on XX/XX/XXXX all inquiry, s i'm dealing with identity. Death since XXXX XXXX XXXX from XXXX XXXX and XXXX so i'm a victim of identity theft, and I also had a credit freeze and somehow they took the credit freeze off and was also able to have my credit looked at and add my credit score, knocked down by several points, the experience fixed it, the transunion has not fixed it and equifax has not fixed it either

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 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: AL

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} CHAPTER XXXX BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-06-23 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: MI

Complaint narrative:
I am filing a complaint regarding a fraudulent auto loan account opened with XXXX XXXX XXXX on XX/XX/year>, which is being reported on my credit reports without my knowledge or authorization. 

I did not open this account, and all reporting related to it is inaccurate and unauthorized. Despite prior disputes, XXXX and the credit bureaus have failed to properly investigate or remove the account, in violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i Failure to conduct a proper reinvestigation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate. Obsolete/inaccurate information must be removed! I am requesting the immediate removal of this account from all credit reports and confirmation of such! 

Thank you for your attention to this matter. 
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 2025-06-23 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief