vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency XXXX TransUnion XXXX XXXX XXXX and XXXX Equifax reporting XXXX block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of Fraudulent Accounts Must Be Deleted Immediately Collections XXXX. XXXX XXXX Services {$1000.00} XXXX. XXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXX {$2300.00} XXXX. XXXX XXXX XXXX {$1600.00} XXXX. XXXX XXXX XXXX {$1100.00} XXXX. XXXX XXXX {$5000.00} XXXX. XXXX XXXX {$10000.00} Charge-Off Accounts XXXX {$760.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$10000.00} XXXX XXXX {$5000.00} XXXX XXXXXXXX {$5400.00} XXXX XXXX  {$1400.00} XXXX  {$8000.00} XXXX XXXX {$17000.00} XXXX CARD {$2300.00} XXXX XXXX {$1700.00} These XXXX have resulted in several fraudulent collections appearing on my consumer XXXX XXXX reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency XXXX TransUnion XXXX XXXX XXXX and XXXX Equifax reporting XXXX block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of Fraudulent Accounts Must Be Deleted Immediately Collections XXXX. XXXX XXXX Services {$1000.00} XXXX. XXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXX {$2300.00} XXXX. XXXX XXXX XXXX {$1600.00} XXXX. XXXX XXXX XXXX {$1100.00} XXXX. XXXX XXXX {$5000.00} XXXX. XXXX XXXX {$10000.00} Charge-Off Accounts XXXX {$760.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$10000.00} XXXX XXXX {$5000.00} XXXX XXXXXXXX {$5400.00} XXXX XXXX  {$1400.00} XXXX  {$8000.00} XXXX XXXX {$17000.00} XXXX CARD {$2300.00} XXXX XXXX {$1700.00} These XXXX have resulted in several fraudulent collections appearing on my consumer XXXX XXXX reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the XXXX Federal Trade commission that all of the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

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 2025-05-27 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: NC

Complaint narrative:
I'm reporting inaccurate credit reporting by the credit bureau. They are reporting multiple, conflicting versions of the same XXXX account. 
The credit bureau is reporting multiple entries for one account from XXXX ( Account Numbers : XXXX and XXXX ). The entries have different payment histories, different " last activity '' dates, different remarks, and different late payment data even though they all reference the same original credit line. One says I paid 100 % on time, another says 50 %, and a third says no payment history.

I disputed this directly with the credit bureau, but they refused to delete it. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), they are required to report only accurate and verifiable information. These multiple versions clearly show the information is inconsistent and unverifiable.

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 2025-05-27 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: NC

Complaint narrative:
I'm reporting inaccurate credit reporting by the credit bureau. They are reporting multiple, conflicting versions of the same XXXX account. 
The credit bureau is reporting multiple entries for one account from XXXX ( Account Numbers : XXXX and XXXX ). The entries have different payment histories, different " last activity '' dates, different remarks, and different late payment data even though they all reference the same original credit line. One says I paid 100 % on time, another says 50 %, and a third says no payment history.

I disputed this directly with the credit bureau, but they refused to delete it. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), they are required to report only accurate and verifiable information. These multiple versions clearly show the information is inconsistent and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: U.S. BANCORP
State: TX

Complaint narrative:
Last Month the Texas Court did stop the Foreclosure on Case XXXX and gave a Court date of XXXX XXXX. XXXX Days after the Foreclosure was stopped XXXX XXXX XXXX Filed another Foreclosure Date for XXXX XXXX not giving me DUE PROCESS FOR MY COURT DATE ON XXXX XXXX which is Illegal because US BANK and the Attorney 's from XXXX XXXX XXXX are BYPASSING THE STATE COURT and Foreclosing without me having my DUE PROCESS OF LAW so I am Disappointed that a Bank and Attorney Firm can Bypass a TEXAS COURT OF LAW and will be sent to XXXX XXXX. The Proof of the Criminal action that the Bank and Attorney Firm is doing is below in the Documents PLEASE STOP THIS FORECLOSURE AS SOON AS POSSIBLE BECAUSE XXXX XXXX XXXX WERE SUPPOSED TO WAIT 45 DAY BEFORE ATTEMPTING ANOTHER FORECLOSURE PROCEDING AND THEY ONLY WAITED 2 DAYS so the Attorney who did this should be in some kind of Trouble.

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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: FL

Complaint narrative:
I was told that if i spent a minimum amount of {$5.00} i would get free items from a shein promo code and by the time i clicked the purchase button it had charged me XXXX $ plus dollars i reached out to cash app and told them it was made by accident and the company gave false information and they refused to refund me or resolve the dispute. Cash app then told me to reach out to the company but they refused to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NC

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 2025-05-27 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: IL

Complaint narrative:
It has come to my attention that my information has been exposed in a national data breach. After reviewing my credit reports I observed some accounts that I am not familiar with. I have requested validation from the Credit Reporting Agencies for validation of debt. However, the information has not been provided. Please find an attached copy of my identification, and NPD report proving my information has been exposed and validation of debt letter.

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 2025-05-27 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: IL

Complaint narrative:
Duty pursuant to the FCRA, it is Experians to be reporting correct and accurate information on my credit report and file, however they are NOT. Experian is reporting inaccurate late payments for the XXXX  account XXXX ; see attached. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of the inaccurate late payments results in Experian violating my federally protected consumer rights. To add to this, I did NOT give Experian written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that Experian has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2025-05-27 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Milliman, Inc.
State: NY

Complaint narrative:
I am filing this complaint against Milliman IntelliScript for failing to honor my legal right to place a freeze on my consumer report. 

I have submitted XXXX separate requests to freeze my report, including all required documentation : A copy of my valid state-issued ID A copy of my Social Security card A recent utility bill for proof of address Despite this, my requests have been ignored, and I have not received any acknowledgment, confirmation, or communication from Milliman. I am now submitting my third request, and this continued lack of response is unacceptable and in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDALENT ACCOUNTS : Accounts Name : XXXX XXXX XXXXXXXX * * * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AK

Complaint narrative:
I have sent many written correspondences to all addresses provided by XXXX in previous communications to resolve this debt, and I have not received a single response. The account is on my credit report, and I have been trying to resolve this account since the start of this year, XXXX. 

I need a statement and a commitment from XXXX that this account will be removed from my credit report upon receipt of final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: 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 XXXX 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 ( XXXX ) 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
Consumer complaint received 2025-05-27 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: 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 XXXX 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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
b'settle payment. Paid. Call back next and say say they never got it and sent to collections'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XX/XX/2025 Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX RE : Demand to Delete Inaccurate Late Payments Account name - XXXX XXXX XXXX  Account number - XXXX To Whom It May Concern, I am formally disputing the late payments being reported on the above account. These entries are inaccurate, unverified, and violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 

Under FCRA 1681e ( b ) and 1681i, you must ensure all data is 100 % accurate and verified. If your system is relying on automatic codes without physical documentation from the furnisher, that is not verification. Per 1681s-2 ( b ), unverifiable data must be deleted not updated.

You are now on notice. You have 30 days to : Delete all late payment entries on this account ; Provide a full method-of-verification summary per 1681i ( a ) ( 6 ). 

If not corrected, I will escalate this to the CFPB, FTC, and consider civil legal action for continued violations of the FCRA. 

Sincerely, 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 2025-05-27 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-05-27 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I earnestly request the removal of this item from my credit report as it does not belong to me and is entirely false.

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