vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is being filed concerning a fraudulent account inaccurately reported in my credit file. I never opened, authorized, or managed such an account. The reporting is false and has unfairly harmed my financial profile.

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 2025-09-04 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: VA

Complaint narrative:
the company XXXX XXXX  is reporting the incorrect account info on my credit report. they sold the account to XXXX XXXX. they have the dates the account was open and payment history and balance incorrect. i disputed these items numerous times only for them to respond that they are reporting correctly. i enclosed copies of the discrepancy copied from my credit report and i would like these incorrect items removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
Complaint Narrative : I am filing this complaint because XXXX, XXXX, and TransUnion are inaccurately and inconsistently reporting derogatory information on my XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) credit card account. 

Account details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Limit : {$800.00} Balance : {$530.00} ( incorrectly reported ) Status : Closed ( but marked negative ) Issues : Contradictory reporting Account is reported as Closed but still shows derogatory late payments into XXXX. 

False derogatory marks XXXX lates are reported after the account was closed, which is impossible and misleading. 

Inconsistent data Different opening and last activity dates across bureaus. 

Balance errors Reporting {$530.00} when the account is closed, contradicting the {$0.00} obligation. 

Federal Law Violations : Fair Credit Reporting Act ( FCRA ) : 602 ( 15 U.S.C. 1681 ) Consumer reports must ensure maximum possible accuracy.

604 ( 15 U.S.C. 1681b ) No permissible purpose exists for reporting false derogatory data.

605 ( 15 U.S.C. 1681c ) Prohibits inclusion of obsolete or inaccurate derogatory information.

607 ( 15 U.S.C. 1681e ) Requires reasonable procedures to assure accuracy.

609 ( 15 U.S.C. 1681g ) Entitles consumers to verification ; no valid proof of delinquencies has been provided.

611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed data within XXXX  days. 

623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers like XXXX XXXX XXXX from reporting false data. 

FDCPA ( Fair Debt Collection Practices Act ) : 807 ( 15 U.S.C. 1692e ) Prohibits false or misleading credit reporting.

808 ( 15 U.S.C. 1692f ) Prohibits unfair practices.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-04 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 do not recognize these accounts and request their removal in 15 days under USC 1681g.

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 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year> I had a balance of {$26000.00} on my Sheffield account. I was selling to what I thought was a regular person at the end he was a scammer. We set up a 3 way phone call with a Sheffield agent he used an account to pay off the side by side. Sheffield said the money was there and its all good to go even sent a confirmation number. The guy sends a driver to pick up the vehicle and I was going to mail him the title since he paid for it. I also took a loan out to pay the difference which was {$4500.00} in cash. 4 days later Sheffield returned the money back in to my account now the vehicle is no where to be found. So Im paying on a XXXX XXXX XXXX XXXX  that I dont even own. The only reason I let the XXXX XXXX was because Sheffield sent a confirmation number and the lady on the phone gave the go ahead. When the money was returned I never got a notification. Oddly enough the guy that stole the XXXX acted as if Sheffield froze the account. I gave Sheffield a call and the lady that answered her name was XXXX. She explained to me that either the account number was entered wrong or they was given the wrong account number. So therefore I got false confirmation that the money was there and was told there was nothing that could be done. I want the balance cleared on my account. I was lied to that the balance was cleared. I now have even more debt of {$31000.00} for something I no longer have possession of.

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 2025-09-04 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Better Mortgage, Inc.
State: NY

Complaint narrative:
I closed on the house purchase on XX/XX/XXXX. In the closing disclosure, there were 2 months school tax I paid into escrow. The mortgage was sold off to XXXX XXXX immediately. The first school tax payment was in XX/XX/XXXX after 2 months. After that first school tax payment, my escrow account was negative. The sellers were not charged 10 months of school tax in the closing disclosure for the 10 months already lived at the address after the XXXX school tax payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of 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.

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 2025-09-04 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: AZ

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I am a member with USAA in XX/XX/year> wanted to up date information on my account found out I was locked out of my account I was told they didnt want to be bothered with me and that they locked me out of my account I submitted verification to them in form of state id and I even faxed documents spoke with XXXX XXXX XXXX XXXX me to fax documents he gave me the wrong number XX/XX/year> spoke with XXXX XXXX XXXX XXXX XXXX he stated the same thing they didnt want to be bothered with me then he stated I XXXX have to go there banking or insurance service to create a new profile but your the go person I dont understand I am a XXXX XXXX XXXX XXXX  I feel XXXX being discriminated against and how can you say you dont want to be bothered with someone and XXXX already a member

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 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-09-04 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: TX

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
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-04 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:
I am submitting this complaint because a fraudulent account appears on my credit report. I have never applied for, used, or authorized this account in any capacity. Its reporting is a serious error that has unfairly harmed my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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:
I am contacting you regarding serious inaccuracies on my credit file that must be corrected under my rights in the Fair Credit Reporting Act ( FCRA ). 
There are addresses being reported that are not connected to me in any way. Specifically, XXXX XXXX XXXX XXXX, PA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX, PA XXXX are not accurate, and their reporting violates the accuracy standards outlined in FCRA XXXX ( b ) and the reinvestigation requirements under FCRA XXXX ( a ). 
My report also contains charge-offs that are not being reported in compliance with federal law. XXXX XXXX XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is listed with a balance of {$1000.00}, and another account, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is showing {$1000.00}. No IRS Form XXXX has been issued for these accounts, which is required when debt is canceled or XXXX. Their presence without this verification fails to meet the accuracy requirement under FCRA XXXX ( b ) and must be removed. 
Additionally, there are collection accounts that are not mine. A XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported with a balance of {$360.00}, and another tied to XXXX XXXX XXXX, account XXXX, is showing {$110.00}. These collections are inaccurate and unverified, and their continued reporting violates FCRA XXXX XXXX XXXX. XXXX. 
Finally, my file lists several unauthorized XXXX inquiries. XXXX XXXX on XX/XX/XXXX, Capital XXXX again on XX/XX/XXXX, and OneMain on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX not authorized by me. Their reporting is a violation of FCRA XXXX ( a ) XXXX XXXX. XXXX ( a ) and FCRA XXXX XXXX XXXX. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Demand for Immediate Deletion XXXXXXXX XXXX XXXX ( Account Ending XXXX ) Dear Equifax Dispute Department , I am writing to demand the immediate removal of the XXXXXXXX XXXX XXXX account ending in XXXX, reported on my Equifax credit report dated XX/XX/XXXX. 
The date of last activity for this account is XX/XX/XXXX, meaning any negative information associated with this account is now over XXXX XXXX XXXX and should no longer be reported under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ). The continued reporting of this account is illegal and constitutes a violation of federal law.

Account Information : Creditor : XXXXXXXX XXXX XXXX Account Number : XXXX Account Status : Closed / Pays as Agreed Balance : {$0.00} Date of Last Activity : XX/XX/XXXX I demand that Equifax : 1. Immediately delete this account from my credit report.

2. Provide written confirmation that the account has been removed.

3. Update my credit report to reflect this correction. 
Failure to comply with this request will leave me no choice but to escalate this matter, including : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Considering legal action for willful violation of FCRA, which may include statutory and punitive damages. 
This is a formal notice, and I expect written confirmation within 15 days of receipt. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief