vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
Re : Escalated Dispute XXXX Charge-Off ( Repeatedly Verified Without Proof ) To Whom It May Concern, I am writing in follow-up to my previous disputes regarding the XXXX charge-off reporting on my credit file. I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), and the account was returned as certified/verified. However, this verification is legally insufficient, as no actual documentation proving the validity of this debt has ever been produced. 
Let this serve as notice : Under FCRA 1681i, you are required to conduct a reasonable reinvestigation of disputed items. A simple parroting of information from XXXX without providing supporting evidence does not meet this standard.

Under FCRA 1681e ( b ), you are obligated to maintain maximum possible accuracy. Reporting unverifiable information violates this duty.

It is illegal to report any debt without full and complete validation, including the original signed contract, payment records, and ownership chain.

By continuing to report this charge-off without proper verification, you are in willful noncompliance with federal law. I demand that you immediately : 1. Provide me with documented proof ( original signed agreement, payment history, assignment of debt, and verification from XXXX XXXX ). 
OR 2. Permanently delete this account from my credit file.

Failure to comply within 15 business days will leave me with no choice but to pursue legal action, including filing lawsuits for damages under 15 U.S.C. 1681n and 1681o. Additionally, I will escalate further with the FTC, CFPB, and Georgia Attorney Generals Office to document your continued noncompliance.

This is a final demand for resolution. Provide written confirmation once this account has been permanently removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Fraudulent accounts are currently being reported under my credit file without my authorization or involvement. I did not consent to these accounts, nor do they reflect any legitimate financial activity on my part. Their continued presence is inaccurate, harmful, and creates a false impression of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim of identity theft, and fraudulent credit accounts have been reported under my name without my authorization. These accounts are not mine, and I am not liable for them. Despite providing proper documentation, the credit bureaus and creditors continue to report these fraudulent accounts.

Under the Fair Credit Reporting Act ( FCRA ) 605B, the credit bureaus are required to block and permanently remove any information resulting from identity theft within four business days of receiving notice and proof. They are also prohibited from reinserting such information without proper certification and prior written notice to me.

I demand the following : Immediate and permanent deletion of all fraudulent accounts and negative items.

Written confirmation that these accounts will not be reinserted. 
Accountability for failure to comply with FCRA requirements. 


The fraudulent accounts include : FIFTH THIRD BANK XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX I have attached my FTC Identity Theft Report, government-issued ID, and proof of address as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am A XXXX  my name is XXXX XXXX. Last month my XXXX  sister and I credit merged. My sister called all through credit bureau to have this fixed in which they fixed her credit report but then I lost access to mine. On XX/XX/XXXX I called the credit bureau and spoke with a department for over an hour who fixed everything and told me to give it 24 hours to update. To date I am still not able to access my credit file & my name is still showing incorrect. I have hard inquiries from XXXX  XXXX XXXX XXXX that I have no applied for my XXXX  sister did but they are putting it on my credit report. I should have my XXXX  XXXX credit card open and my XXXX XXXX XXXX XXXX line of credit open along with my discover card that appears to have been removed in error. My name is misspelled with a XXXX  when my name is XXXX XXXX!! Please correct my name and correct my credit report so that I have access to my reports.

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am A XXXX  my name is XXXX XXXX. Last month my XXXX  sister and I credit merged. My sister called all through credit bureau to have this fixed in which they fixed her credit report but then I lost access to mine. On XX/XX/XXXX I called the credit bureau and spoke with a department for over an hour who fixed everything and told me to give it 24 hours to update. To date I am still not able to access my credit file & my name is still showing incorrect. I have hard inquiries from XXXX  XXXX XXXX XXXX that I have no applied for my XXXX  sister did but they are putting it on my credit report. I should have my XXXX  XXXX credit card open and my XXXX XXXX XXXX XXXX line of credit open along with my discover card that appears to have been removed in error. My name is misspelled with a XXXX  when my name is XXXX XXXX!! Please correct my name and correct my credit report so that I have access to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This correspondence serves as my formal dispute of the late payment inaccurately listed on my credit report. I have maintained a reliable record of on-time payments, and this entry is clearly erroneous. Its inclusion is misleading and creates an inaccurate impression of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several accounts on my credit report pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. This federal statute gives consumers the right to request the blocking of information that is the result of identity theft.

I was a confirmed victim of identity theft as a result of the Equifax data breach, which compromised the personal information of over XXXX XXXX Americans, including my own. Since that incident, I have experienced ongoing issues with fraudulent accounts appearing on my credit report. 

The following accounts were opened or used without my knowledge or authorization. I am requesting that you block these accounts from my credit report and notify the respective data furnishers as required by law XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$690.00} Supporting Documentation Attached : A copy of my government-issued ID Proof of my current address A copy of the credit report with the accounts Under 15 U.S.C. 1681c-2, you are required to block this information within four business days of receipt of this letter and documentation. Please confirm in writing once the block has been applied or notify me if additional information is required. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Waypoint is trying to collect a debt that I do not have a contract with them for. This is a third party company that is trying to collect a debt that isn't theirs. When asking for validation of written contract of debt with waypoint, all they send me is a billing statement from original debtor.

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 2025-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
My mortgage company, PHH Mortgage egregiously and negligently mismanaged the payments of my property taxes causing my escrow account to go into a {$7900.00} shortage which caused my monthly mortgage payments to balloon by over {$500.00} per month. An increase of around 55 %. 

Original Payment & Taxes : In XX/XX/XXXX, my mortgage payment was {$1100.00} per month, and my annual property tax was approximately {$3500.00}. This is the " normal '' tax rate, and the mutually agreed upon monthly payment. 

XX/XX/XXXX error : My actual property taxes in XX/XX/XXXX were {$3300.00}. PHH incorrectly estimated this amount at {$120.00} for an XX/XX/XXXX disbursement. This gross underestimation caused my mortgage payment to erroneously drop to {$940.00}. 

XX/XX/XXXX error : My actual property taxes due in XX/XX/XXXX were {$3400.00}. PHH once again made a severe error, estimating and disbursing only {$24.00} for this tax payment. 

Accumulated Shortage : The cumulative effect of these miscalculations directly resulted in the current escrow shortage of {$7900.00} XXXX sent a formal Notice of Error to PHH demanding they return my escrow account back to good standing, and reimburse me for the money that I had paid to correct their error. ( I never stopped making on time mortgage payments. And have never missed or been late on a payment ). I also demanded they detail the steps taken to ensure an error like this never happens again in the future. 

They replied to my complaint, and admitted they made this egregious error. They " sincerely apologized '' for the " inconvenience '' but refused to make any kind of financial reparations. They also claim to have implemented corrective measures to ensure an error like this does not occur again, but provided no real details about what those measurers are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I am disputing a hard inquiry that has been reported inaccurately on my credit file. I have confirmed that I did not apply for any form of credit or authorize this entity to access my credit information. This inquiry is both unauthorized and damaging, as it misrepresents my financial behavior and unjustly affects my creditworthiness.

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 2025-09-15 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am very frustrated because every time I try to file a complaint against Columbia Debt Recovery Genesis, the CFPB system keeps labeling it as a duplicate. This is not a duplicate complaint. This is about the way my information is being used and the way this company continues to report without full proof. 

Columbia Debt Recovery Genesis is showing a rental balance on my credit report, but they have not proven that they are authorized to even have my personal information. They are in possession of my credit report details and private data without my consent. I never gave written permission for my account or information to be transferred or sold to them. This is a violation of my privacy rights because they are reporting and collecting based on information that I did not authorize them to use.

The company sent a copy of a lease that shows initials and signatures, but that does not prove that I ever gave consent for my personal data to be in the hands of this collection company. They have not shown proof of assignment or proof that I agreed for Columbia Debt Recovery Genesis to be involved with my information. They also failed to provide validation from a real person. What I received were computer generated statements and general disclosures. That is not proper verification under federal law. 

Even after disputing this account, the company continues to report the debt to credit bureaus. By doing this they are violating the Fair Credit Reporting Act because they are furnishing unverifiable and incomplete information. They are also in violation of the Fair Debt Collection Practices Act because they are collecting without responding with proper validation and without providing lawful proof. 

My personal information is being misused, my credit report is being damaged, and every time I raise this issue it is being brushed aside as a duplicate complaint when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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 is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Fraudulent accounts have been reported under my name without my consent or authorization. I did not open or maintain these accounts, and their inclusion is entirely false. These accounts misrepresent my financial responsibility, harm my creditworthiness, and undermine the integrity of 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 non-monetary relief
Consumer complaint received 2025-09-15 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: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Re : Escalated Dispute Toyota Charge-Off ( Repeatedly Verified Without Proof ) To Whom It May Concern, I am writing in follow-up to my previous disputes regarding the Toyota charge-off reporting on my credit file. I have already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), and the account was returned as certified/verified. However, this verification is legally insufficient, as no actual documentation proving the validity of this debt has ever been produced. 

Let this serve as notice : Under FCRA 1681i, you are required to conduct a reasonable reinvestigation of disputed items. A simple parroting of information from Toyota without providing supporting evidence does not meet this standard.

Under FCRA 1681e ( b ), you are obligated to maintain maximum possible accuracy. Reporting unverifiable information violates this duty.

It is illegal to report any debt without full and complete validation, including the original signed contract, payment records, and ownership chain.

By continuing to report this charge-off without proper verification, you are in willful noncompliance with federal law. I demand that you immediately : 1. Provide me with documented proof ( original signed agreement, payment history, assignment of debt, and verification from Toyota Financial ). OR 2. Permanently delete this account from my credit file. Failure to comply within 1
5 business days will leave me with no choice but to pursue legal action, including filing lawsuits for damages under 15 U.S.C. 1681n and 1681o. Additionally, I will escalate further with the FTC, CFPB, and Georgia Attorney Generals Office to document your continued noncompliance. 

This is a final demand for resolution. Provide written confirmation once this account has been permanently removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TN

Complaint narrative:
My identity was stolen years back. I have all the protections such as fraud alerts and more. However creditors are still running my credit without my 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 2025-09-15 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: TN

Complaint narrative:
My identity was stolen years back. I have all the protections such as fraud alerts and more. However creditors are still running my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NH

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXX PM in XXXX, XXXX, per XXXX Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX XXXX - {$0.00} ( ACCOUNT # XXXX ) XXXX  XXXX- {$2600.00} ACCOUNT # XXXX ) XXXX  - {$0.00} ( ACCOUNT # XXXX ) XXXX - {$0.00} ( ACCOUNT # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-09-15 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: AR

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER 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 non-monetary relief
Consumer complaint received 2025-09-15 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: AR

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation