vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have let Equifax know that they are reporting the XXXX XXXX XXXX XXXX account inaccurately, incompletely, inconsistent and unfair. When I compare the XXXX XXXX XXXX XXXX account being reported on my Equifax credit report against the account being reported on my other credit reports the account information on my Equifax credit report comes nowhere close to the account information being reported on my other credit reports. Equifax is not doing proper investigations. I have showed them the account being reported on my other credit reports and they still did not change a thing. Actually, I believe they push the account to be more inaccurate, incomplete, inconsistent, and unfair. I have attached a copy of the XXXX XXXX XXXX XXXX account being reported on my Equifax report and my Experian report as proof ( as I did for the dispute I filed ) that Equifax is deliberately doing improper investigations and leaving errors on credit reports on purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: VT

Complaint narrative:
Im currently lost my job and am starting a new job XX/XX/XXXX. Ive called select portfolio to ask if I can have a month put on the back end of the loan or put in forbearance. I get no help with the company and demand that I pay whats due. Ive told them that rocket mortgage helped and put my other mortgage in forbearance and why cant select portfolio follow the same guide lines and help me out. Can someone please point me in the direction or at least get some legal help. 
Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal dispute regarding incorrect information on my credit report provided by TransUnion Consumer Solutions. My credit report contains inaccurate late payment notations for the account XXXX  with account number XXXX, which do not accurately reflect my payment history. 
Issue Details : 1. Reporting Errors : o According to my records, all payments for this account were made on time and as agreed.

o However, the incorrect late payment notations have lowered my credit score, limiting my ability to obtain fair financial terms. 
2. Violations of Applicable Laws : o Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i & 1681s-2, credit reports must be accurate and complete. I disputed this error, but no correction has been made.

o Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1637 ( b ), creditors must provide accurate and timely billing statements. This reporting error violates that requirement.

o Fair Credit Billing Act ( FCBA ) : Under 15 U.S.C. 1666 ( b ), creditors must send billing statements at least 21 days before the due date. This was not done, contributing to the inaccurate reporting.

o Protection Against Non-Payment of Obligations Act ( PAANL ) : Late payment reporting due to administrative or communication errors violates the act and must be corrected.

3. Previous Attempts to Resolve : o I have disputed this directly with TransUnion Consumer Solutions, sending multiple letters requesting a correction.

o To date, no effective action has been taken to correct these errors.

4. Federal Trade Commission ( FTC ) Involvement : o Given the lack of response, I have also filed a complaint with the FTC on XX/XX/year> under complaint number XXXX, requesting their intervention in this matter. 
o The failure to properly investigate and correct my dispute violates federal consumer protection laws.

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 2025-06-27 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX, XXXX XXXX Code XXXX. you are legally obligated to block fraudulent information from my report within XXXX  days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
THIS IS A FORMAL DEMAND FOR IMMEDIATE ACTION. 
You are reporting fraudulent accounts and unauthorized hard inquiries on my credit profile that were the direct result of identity theft and/or the Equifax data breach. I did NOT authorize these actions, and your continued reporting of this information is a willful violation of federal law specifically, the Fair Credit Reporting Act ( FCRA ) 604, 605B, 616, and 611.

THIS IS A LEGAL NOTICE.

Under FCRA 605B ( a ), you are required to block or delete fraudulent accounts and unauthorized inquiries within 4 business days of receiving this request and my affidavit.

I have submitted sworn affidavit documentation confirming these entries are fraudulent. Your failure to act promptly and in accordance with the law will result in immediate legal action for : Actual damages under FCRA 616 Negligent and willful noncompliance under 616 and 617 Declaratory and injunctive relief in small claims or federal court YOU HAVE 30 DAYS TO VERIFY. 
If you can not produce documented, signed authorization proving that I consented to these inquiries and accounts, then by law, you are obligated to DELETE them immediately. No delays. No exceptions. 

THE FOLLOWING INQUIRIES MUST BE DELETED IMMEDIATELY : EXPERIAN : XXXX XXXX Services XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX TRANSUNION : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX If you continue to report these fraudulent items, you will be in direct violation of your obligations under the FCRA and subject to legal liability. I will not hesitate to escalate this matter and pursue financial and injunctive relief through legal channels. 

You are hereby on notice. Fix this NOW. 
A physical copy of my updated credit report reflecting these deletions is expected upon completion of your investigation. 

Failure to comply will result in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-27 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-27 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law, you and the data furnishers must certify all aspects of required XXXX  XXXX compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms. 
I agree with you.What is this? Yes, I agree.

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 2025-06-27 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: Kriya Capital, LLC
State: PA

Complaint narrative:
Credence Resource Management. They have made several XXXX  calls to me, at all times of the day and night. Each time I explained that I do not know who they are calling on behalf of, they XXXX  to sue/suggest my credit will be severely XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: CA

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 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 non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
The didnt answer any of my questions, if loan was sold, if it had been securitized, XXXX  not legally entitled to benefit from a foreclosure XXXX  doesnt own the note, it cant attempt foreclosure XXXX  can not have any legal claim or interest in the loan, the XXXX, security interest which XXXX  serves as nominee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The FCRA obligates Experian to report accurate accounting. I am herein advising Experian that the following inquiries reported are fraud : Inquiry : XXXX XXXX, Date of XXXX ; Inquiry : XXXX Bank XXXX XXXX XXXX of XXXX ; Inquiry : XXXX of XXXX, Date of Inquiry : XXXX ; XXXX XXXX, Date XXXX XXXX : XXXX In accordance with the FCRA, Experian has XXXX days XXXX remove these inquiries. An FTC report ( Report XXXX. XXXX ) was filed on behalf of the consumer, the consumer is requesting that Experian provide the documentation used to determine that the consumer authorized these inquiries. Experian has fifteen ( XXXX ) days to provide me with the name of the person spoken to, documentation used, and signed application with consumer wet-ink signature. The consumer is not asking for an XXXX report. If Experian does not have the documentation to show these were in fact authorized it must be removed ASAP. 

Experian is liable under the SEC to follow certain rules. I will be filing Form XXXX, Treasury XXXX XXXX, to audit consumers accounts. Experian is securitizing consumers ' data yet refuses to provide consumers a copy of their XXXX XXXX, not XXXX REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX ( XXXX ) ACCORDING TO THE FEDERAL LAW, YOU AND THE DATA FURNISHERS ARE REQUIRED TO CERTIFY ALL ASPECTS OF FCRA AND METRO 2 COMPLIANCE. THIS CERTIFICATION MUST BE DONE TRUTHFULLY, ACCURATELY, COMPLETELY, AND IN A TIMELY MANNER TO ENSURE IT DOES NOT VIOLATE MY CONSUMER RIGHTS OR CIVIL LIBERTIES.

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 2025-06-27 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:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct XXXX XXXX XXXX  my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further XXXX  or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my XXXX  request for details of the procedure you followed when XXXX sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within XXXX  days. Where is it? 
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 2025-06-27 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:
As a consumer I am aware ff my rights. When I reviewed the credit report I noticed that there are accounts reporting on my credit report I have granted any consent for no one to report my personal information on a public platiform. No consent is identity theft 15 USC 1681 c-d. Sectio 650nof the FRCA. I am frustrated that hthese are accounts are reporting on my consumer reports when I have not given permission for the credit bureaus to report these accounts listed in the FTC report attached below. NO consent is identity thefty. Therefore I am demanding for all accounts to be deleted immeidately. I am not requesting for an investigation but for a removal of all accounts This is deframing my character and I am considering suing the credit bureaus for not following the law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: SC

Complaint narrative:
As a consumer I am aware ff my rights. When I reviewed the credit report I noticed that there are accounts reporting on my credit report I have granted any consent for no one to report my personal information on a public platiform. No consent is identity theft 15 USC 1681 c-d. Sectio 650nof the FRCA. I am frustrated that hthese are accounts are reporting on my consumer reports when I have not given permission for the credit bureaus to report these accounts listed in the FTC report attached below. NO consent is identity thefty. Therefore I am demanding for all accounts to be deleted immeidately. I am not requesting for an investigation but for a removal of all accounts This is deframing my character and I am considering suing the credit bureaus for not following 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 explanation