vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
Several companies have accessed my credit report without my permission, causing real damage to my credit and credit score. Ive already contacted your agency and was told these unauthorized inquiries would be removed. That has not happened. 
Your failure to act is unacceptable. These suspicious entries strongly indicate possible identity theft and should have been addressed immediately. This negligence is causing me ongoing harm emotionally and financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-04 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-03 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-03 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: NJ

Complaint narrative:
Experian, you have all this information that I don't recognize in my credit report and I demand that you delete it immediately TD BANK XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/year> my insurance broker ( XXXX XXXX ) reached out to Shellpoint mortgage servicing to request my home owners insurance be paid to XXXX XXXX. On XXXX, XXXX, 2025 Shellpoint sent me a letter informing me my home owners insurance was about to lapse. They said in the letter they would apply home owners insurance on my behalf to an unnamed company if I didnt take action. It is currently XX/XX/XXXX and Shellpoint still has not released the escrowed amount to my insurance company ( XXXX XXXX ). This is the second time they have done this. They failed to pay my property taxes and it was over two months late. The county was about to put a lien against my property. Please help.

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 2025-06-03 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:
Please remove the following items : - ADDRESSES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had not XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

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 2025-06-03 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: TX

Complaint narrative:
Please remove the following items : - ADDRESSES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had not XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX Citibank blocked my account after I sent a down payment for the purchase of a business via wire transfer, even after the fact they had called me and I verified the transaction, after getting off the phone I find the wire to be cancelled and my account blocked. I called them and immediately I caught the representative in a lie in which she said someone had called and left me a voicemail when I informed her I received no such call she then tells me a letter with a reference number was sent out, could verify where it was sent whatsoever, after checking online I see Citi has done this with XXXX of their customers, to where its been years and peoples accounts are still blocked and theyre all waiting for this reference letter, Im in the middle of a business purchase and cant afford this hold up, this is clear fraud by Citi bank as theyre finding loopholes to hold clients money, a class action should be brought against them for this type of shady practice

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 2025-06-04 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: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Account XXXX Account Number XXXX, I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account number XXXX as soon as possible from my report or I will have to take legal action.

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 2025-06-04 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX | ( XXXX ) XXXX Date : XX/XX/2025 Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Final Warning Fraud Alert & Dispute Documentation Submitted XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Noncompliance with FCRA Immediate Action Required To Whom It May Concern : This is a formal demand for compliance under the Fair Credit Reporting Act ( FCRA ). I have submitted full documentation on XXXX separate XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX support of both my identity theft/fraud alert request and my disputes of inaccurate, unverifiable accounts. 

Each submission included : Signed and notarized affidavit affirming the facts and disputes Proof of identity ( government-issued ID and full SSN ) Proof of current address ( utility bill/lease ) Dispute letters citing specific accounts Method of Verification ( MOV ) letters Cease and Desist letters Despite providing full and timely documentation, Equifax has failed to act within the XXXX requirement outlined by the FCRA. This behavior is not only negligentit is unlawful. 

At this point, I am formally demanding : Immediate placement of a fraud alert if not already done Deletion of all unverified and inaccurate accounts from my credit report Written acknowledgment and resolution of this matter within XXXX calendar days If no action is taken, I will proceed with : Filing a formal FCRA violation complaint with the CFPB Submitting evidence to the FTC and state attorney generals office Seeking legal consultation for damages due to Equifaxs willful noncompliance You have had ample opportunity to resolve this matter professionally. I am documenting every step for regulatory and legal purposes moving forward. 

The accounts in question were explicitly identified in my prior correspondence and are clearly referenced in your own response letters. These include, but are not limited to : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. These accounts were addressed in my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX disputes, each supported with an MOV request, cease and desist notice, and notarized affidavit. There is no ambiguity regarding which accounts are being challenged. Your failure to act is a clear violation of my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
XXXX XXXX CFPB I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following inquiries on my credit report is the result of identity theft and should be deleted : XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be XXXX  for XXXX year, at which point i XXXX request an extension of the XXXX  During the XXXX, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts iXXXX XXXX XXXX XXXX  EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for XXXX XXXX, these collections were eliminated and not verified by XXXX XXXX I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these inquiries. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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 2025-06-03 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: NV

Complaint narrative:
I am formally requesting that your agency comply with the Fair Credit Reporting Act ( FCRA ) concerning the persistent mishandling of my credit report. Despite multiple disputes filed, you have failed to remove fraudulent accounts not belonging to me and continue to report unverifiable information. 

This behavior violates federal law and infringes on my consumer rights. The accounts listed below were fraudulently opened due to identity theft. Although I have submitted several dispute letters seeking their removal, your responses have been vague and insufficient, failing to meet the legal standards mandated by the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to conduct a thorough investigation upon receipt of a consumer dispute. Your ongoing use of generic form responses, without providing original documentation validating the debts, constitutes noncompliance.

Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure the highest possible accuracy in reporting. Your failure to correct these inaccuracies reflects a reckless disregard for your legal obligations. 

You have 30 days from the date of this letter to provide the following : Original and complete verification documents from the creditors validating the accountsnot generic or template responses ; A detailed report of the investigation conducted, outlining every step taken ; The names, job titles, and contact information of the individuals responsible for reviewing and responding to my dispute ; Written confirmation that all unverifiable information has been permanently removed from my credit report as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Should you fail to provide a satisfactory response within this timeframe, I will initiate legal action. This will include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also pursue litigation under 15 U.S.C. 1681n for willful noncompliance, seeking statutory damages, punitive damages, attorney fees, and costs. 

The following accounts are fraudulent, with confirmation from the respective financial institutions that they should not be linked to my credit file. Please promptly remove these accounts or provide valid verification if you choose to continue reporting them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
XXXX claims I owe {$5600.00} from a 2018 eviction, but this amount is not verified by court records. I checked the XXXX XXXX  online records and found no case or judgment under my name for this debt. When I disputed the debt with the collections agency, they only sent a " new '' verification on XXXX 's behalfnot actual court documents. This violates 15 U.S.C. 1692g, which requires real proof, not just a repackaged claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-04 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:
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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I mailed in a check for {$4500.00} to pay off on the account. Our payments are due on the XXXX of each. I have received a statement owed of {$170.00} that must be paid by XX/XX/XXXX, so I called in to speak with a representative about this. I was ultimately transferred to XXXX XXXX ID number, XXXX. She stated that the mailed in payment was applied to the account on XX/XX/XXXX and there was {$.00} left that was owed at that time. I am being told that I owe {$130.00} in interest and {$80.00} in late charges all correlating with the {$.00}. I requested that the supervisor clear the balance, but she stated that the interest is valid because it accrued from the statement date and each day it took to process the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

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