vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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.

I am submitting this FTC Identity Theft Affidavit to report five fraudulent accounts on my FICO Equifax credit report that I do not recognize. These accounts are the result of identity theft and fraud. They include two educational accounts opened at DOE XXXX on XX/XX/XXXX ( account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a collection/charge-off account at XXXX XXXX XXXX opened XXXX XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a line of credit at XXXX opened on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a collection/charge-off account at XXXX XXXX XXXX  opened on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These fraudulent accounts have led to multiple hard inquiries and collections on my credit report. I request the immediate removal of these fraudulent items from my credit reports and that all related collection activities cease, in accordance with my rights under the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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: EQUIFAX, INC.
State: WI

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to Equifax under 15 USC 1681c-2, including my FTC identity theft report and all required documents. However, the fraudulent accounts remain on my report, despite the legal requirement to remove them within four business days. please see attached my dispute letter, FTC identity theft report, and supporting documentation.

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: CO

Complaint narrative:
The phone number XXXX & this is a non-mailable address XXXX XXXX XXXX, XXXX, FL XXXX does not belong to me. I request its verification or immediate removal.

This raises concerns of potential identity fraud. Please investigate whether your procedures have resulted in this error. Under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be corrected or deleted. Pursuant to the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 5 ), 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681s-2 ( b ). If my rights under this act have been violated, I seek appropriate remedies. 

I always want the CFPB to know that Experian has been sending emails with links and confimration numbers telling me that I have to go to another website to see the dispute results. When I pull up the results, they show a list of items that have been disputed and/or deleted but will not show what accounts or information they are talking about. I have included an attachment of that in this. Then if something happens and I get kicked out of from that link, I can't logged back in to see the dispute results again. This seems like a deliberate attempt to hide access and information and I request CFPB investigate this. As for Experian, I want it to be noted that I do not give consent for you to send reports and dispute results to my email that require me to log in to another site to see them. Send all to my current USPS address on file, which you have sent to me previously in Colorado.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX in the amount of {$3600.00}. The account was allegedly opened on XX/XX/XXXX, and is currently listed as past due as of XX/XX/XXXX. The original balance is listed as {$3600.00}, with no record of payments or monthly terms. 

I have no knowledge of this debt and have never had any account with the original creditor that would result in this collection. This appears to be a case of inaccurate or potentially fraudulent reporting. 

I have not received any prior communication or documentation validating this debt, which is required under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting an investigation into this account and have initiated a dispute with the credit reporting agencies. 

This entry is negatively impacting my credit profile and is causing undue harm, especially as I attempt to correct other inaccurate entries and rebuild my credit following prior identity theft concerns.

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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I did not open and believe to be the result of identity theft. These accounts are fraudulent and are negatively affecting my credit standing. I respectfully request that these unauthorized accounts be investigated and removed from my credit 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 2025-06-03 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXXXXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.


2. Delete or correct all inaccurate, incomplete, or unverifiable information. 3. Pro
vide me with a copy of the updated credit report reflecting these changes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: MO

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Metro 2 Factual Dispute XXXX XXXX XXXX Dear Experian, I am disputing the accuracy/completeness of the XXXX charge-off accounts shown on my XX/XX/year> Experian report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Payment-history grid contains XXXX late-payment codes ; this conflicts with TransUnions no data grid ( Metro 2 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$62000.00} but account status charged off is coded without a final balance field per Metro 2 specs. 
XXXX shows CO every month but TransUnion grid is blankinter-bureau mismatch. 

Because these items are factually defective, please delete them or fully correct every Metro 2 field. Should you verify, supply the Method-of-Verification data under 611 ( a ) ( 7 ). 

Thank you for your prompt attention. 

Sincerely,

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

Company 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 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: Experian Information Solutions Inc.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian and Equifax for unlawfully reinserting a previously deleted account without providing proper notice, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is : XXXX XXXXXXXX XXXX Account Number ending in XXXXXXXX XXXX XXXX 

This account was previously deleted from my credit file. However, upon refreshing my credit report recently, I noticed that both Experian and Equifax have reinserted the account and are now listing it as a new account, which is completely false and misleading. This inaccurate reporting is negatively affecting my credit score by implying that I have a new delinquent tradeline, when in fact, this is a previously deleted and outdated item. 

XXXX has properly maintained the deletion of this account and has not reinserted it.

Under FCRA Section 611 ( a ) ( 5 ) ( B ), a credit bureau can not reinsert a previously deleted item unless it has been certified as accurate by the furnisher and the consumer is notified within five business days of the reinsertion.

I have received no such notice from either Experian or Equifax regarding the reinsertion, making this action both unlawful and deceptive.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

Company 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: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: TRUSTMARK CORPORATION
State: LA

Complaint narrative:
While on XXXX XXXX XXXX XXXX XXXX XXXX  I acquired a mortgage with XXXXXXXX XXXX XXXX XXXX XXXX interest rate of 6.5 %, closing XXXX XX/XX/XXXX ) and was unaware of the XXXX SCRA Benefits at that time. The mortgage was transferred to Trustmark National Bank shortly after the purchase. In XX/XX/XXXX I was made aware that under XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX am entitled to having my interest rate lowered to 6 % and that I can receive credit for any interest Ive paid over 6 %. This applies to any individual on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

On XXXX XXXX XXXX, I applied for this benefit under the XXXX XXXX  and not federal law by sending a signed letter to Trustmark National Bank ( see attached for unsigned copy ). Trustmark Mortgage Services replied on XXXX XX/XX/XXXX that they can not XXXX the request because the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. While this is true for the XXXX XXXX, that is NOT true for the 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 2025-06-03 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: SC

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent account from my credit report. I am sending this letter to ensure that Experian credit bureaus will indeed remove the account listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00}

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 explanation