vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Transunion, Equifax, Experian, has failed to fulfil its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit file, leaving inaccurate or unknown accounts. The CFPB have file a lawsuit directly against in the pass against Experian directly alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute out come. These failures as will align with my experience alone with data breech and been a victim of Identity Theft. Experian, Equifax, Transunion neither correct of remove the these accounts of my credit file. I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove these disputed accounts, as Transunion, Equifax, and Experian 's violates federal law and my rights as a consumer.

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 2025-07-28 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: IL

Complaint narrative:
Transunion, Equifax, Experian, has failed to fulfil its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit file, leaving inaccurate or unknown accounts. The CFPB have file a lawsuit directly against in the pass against Experian directly alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute out come. These failures as will align with my experience alone with data breech and been a victim of Identity Theft. Experian, Equifax, Transunion neither correct of remove the these accounts of my credit file. I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove these disputed accounts, as Transunion, Equifax, and Experian 's violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AZ

Complaint narrative:
I have submitted a complaint regarding this collection account on my credit to the bureaus already, i am hoping we can get this resolved.

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 2025-07-28 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: AZ

Complaint narrative:
I have submitted a complaint regarding this collection account on my credit to the bureaus already, i am hoping we can get this resolved.

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 2025-07-28 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am writing to request a review and correction of a delinquency reported on my credit due to a short mortgage payment with Freedom Mortgage. 

In XXXX, my escrow account was underfunded, and I was notified that my monthly mortgage payment would increase starting XX/XX/XXXX. At that time, my wife was XXXX  XXXX, and my payments were set to autopay. Unfortunately, I did not see the notification until it was too late. As a result, my payment was short by approximately {$74.00}. 

Freedom Mortgage rejected the payment entirely and reported the account as delinquent to the credit bureau. I was unaware of this until after my wife passed away. Once I became aware, I immediately brought the account current and even submitted a certificate of death for a one time, goodwill removal. Despite this, the late payment has continued to negatively impact my credit report. 

This has not only hurt my own credit score but has also affected my sons, who are co-borrowers on the account. I believe it is unfair that a small shortfallespecially during a time of personal crisishas led to a mark that may stay on my credit report for XXXX years, limiting access to future lending opportunities. 

I respectfully request that this delinquency be reconsidered and removed from my credit report. I have been a responsible borrower, and I hope that compassion and context can be applied in this situation. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im writing to request the removal of a closed account from my credit report.The account is from the Florida department XXXX XXXX and is listed as child support. Although the account is closed, it's still showing as a derogatory mark on my Equifax report. 

Since the account is not longer active, I believe it believe it should be removed to better reflect my current credit status.Please review and delete this item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute and request the immediate investigation and correction of the following accounts on my credit report generated XX/XX/year>. This notice is issued in accordance with : - 15 U.S. Code 1681e ( b ) Reasonable procedures to assure maximum possible accuracy - 15 U.S. Code 1681i ( a ) Duty to reinvestigate - 15 U.S. Code 1681b ( a ) ( XXXX ) Permissible purpose - 15 U.S. Code 1692g Debt validation requirement - XXXX  Privacy Rule Unlawful disclosure of protected health information - FTC Case Nos XXXX XXXXXXXX, XXXX Official reports of identity theft Items to Dispute & Remove : XXXX. XXXX XXXX Acct Ending XXXX - Shows as open on Experian ; closed on TransUnion and Equifax. 
- This discrepancy violates 15 USC 1681e ( b ). Please remove. 

XXXX. XXXX  XXXX XXXX  Ending XXXX - Inconsistent delinquency reporting ( XXXX days on Experian, XXXX elsewhere ). 
- This is inaccurate and prejudicial. Please remove. 

XXXX. XXXX XXXX XXXX  Ending XXXX - Late payment pattern inconsistent with Equifax and TransUnion. ( Identity theft ) - Please remove. 

XXXX. Collections Multiple medical accounts reported without documentation. 
- XXXX XXXX, if the collector is not the original creditor or has no signed authorization, this is a violation. 
- I demand full validation under XXXX XXXX XXXX or deletion of these items. 

XXXX. Any Item Tied to Identity Theft ( see FTC Cases above )- As confirmed by official reports, any unauthorized inquiries or accounts must be deleted under 15 USC 1681c-2 on or before XXXX business days. 

Please provide written confirmation of your findings and the actions taken. This letter serves as formal notification under the FCRA that inaccurate or unverifiable items must be deleted within XXXX business days.

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 2025-07-28 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: TX

Complaint narrative:
I am writing to formally dispute and request the immediate investigation and correction of the following accounts on my credit report generated XX/XX/year>. This notice is issued in accordance with : - 15 U.S. Code 1681e ( b ) Reasonable procedures to assure maximum possible accuracy - 15 U.S. Code 1681i ( a ) Duty to reinvestigate - 15 U.S. Code 1681b ( a ) ( XXXX ) Permissible purpose - 15 U.S. Code 1692g Debt validation requirement - XXXX  Privacy Rule Unlawful disclosure of protected health information - FTC Case Nos XXXX XXXXXXXX, XXXX Official reports of identity theft Items to Dispute & Remove : XXXX. XXXX XXXX Acct Ending XXXX - Shows as open on Experian ; closed on TransUnion and Equifax. 
- This discrepancy violates 15 USC 1681e ( b ). Please remove. 

XXXX. XXXX  XXXX XXXX  Ending XXXX - Inconsistent delinquency reporting ( XXXX days on Experian, XXXX elsewhere ). 
- This is inaccurate and prejudicial. Please remove. 

XXXX. XXXX XXXX XXXX  Ending XXXX - Late payment pattern inconsistent with Equifax and TransUnion. ( Identity theft ) - Please remove. 

XXXX. Collections Multiple medical accounts reported without documentation. 
- XXXX XXXX, if the collector is not the original creditor or has no signed authorization, this is a violation. 
- I demand full validation under XXXX XXXX XXXX or deletion of these items. 

XXXX. Any Item Tied to Identity Theft ( see FTC Cases above )- As confirmed by official reports, any unauthorized inquiries or accounts must be deleted under 15 USC 1681c-2 on or before XXXX business days. 

Please provide written confirmation of your findings and the actions taken. This letter serves as formal notification under the FCRA that inaccurate or unverifiable items must be deleted within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a party rental vendor who accepted payment for wedding services, failed to fulfill the contracted agreement, and has refused to issue a refund. 

Background On XX/XX/year>, I entered into an agreement with, XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXXXXXX for party rental services related to my wedding, scheduled for XX/XX/year>. I paid an initial deposit on XX/XX/XXXX, followed by two additional payments of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX, totaling {$1500.00}. These payments were made via Zelle. 

Every other vendor I booked in the wedding process also requested zelle. 

Over the next six weeks, I made multiple good-faith efforts to communicate with the vendor regarding logistics and confirmations. My communications were repeatedly ignored or responded to with vague, delayed, or incomplete answers, making the planning process extremely difficult and stressful. 

Cancellation and Failure to Deliver The order was supposed to be, delivered on XX/XX/XXXX. 

On the morning of XX/XX/year>, the vendor abruptly canceled their services with an explanation that a staff member of his had been in an accident, with no other information. There was no backup plan, or offer of refund. This left me without crucial rentals just one day before my wedding. The vendor failed to take responsibility, provide alternate arrangements, or address the significant impact of this failure. 

Attempted Resolution I sent the vendor a formal written request for a full refund and provided a deadline of XX/XX/year> to return the funds. As of todays date, I have received no response or reimbursement. 

I have kept detailed records of all communication, including : The signed agreement Proof of payments Screenshots of attempts to reach the vendor Documentation of their last-minute cancellation The formal refund request Request for Action I am filing this complaint in the hope that the CFPB can assist in holding this vendor accountable and help recover my lost funds. I also wish to prevent other consumers from experiencing similar financial and emotional harm due to this individuals deceptive and negligent business practices. 

Please let me know if you require copies of the relevant documents. I am prepared to provide them promptly. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: IL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
We started the process to recast our loan in early XXXX. We were told it would take XXXX days to hear back, and it is now XXXX weeks since we inquired and no one ever bothered to respond, so I called the mortgage company, United Wholesale Mortgage . They informed me that they have sold our loan to another company and since we are within 30 days of a transfer, we can not recast the loan. I called the new mortgage company and was told I can't start the process with them until after the loan has officially transferred, further delaying our ability to recast and decrease our monthly mortgage amount. Lastly, the mortgage company we are currently with charges {$150.00} for a recast and the new mortgage company charges {$500.00}. How is it fair that UWM can decide to sell my loan, and because they took their time responding to my inquiry about a recast, now I have to pay hundreds of dollars more to achieve the same goal? I did not ask to have my loan transferred and I don't see how they can choose to sell my loan without at least honoring my recast request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
This is a formal complaint against [ XXXX XXXX for XXXX XXXX report fraudulent, inaccurate, or identity-theft-related information after receiving a certified affidavit of dispute and FTC XXXX Theft Report. I am also submitted this matter to the CFPB. The credit bureau has failed to comply with XXXX XXXX. XXXX and XXXX. I am requesting your office open an investigation and demand immediate deletion of the account ( XXXX ) listed. ACCOUNTS XXXX - Acct ending XXXXXXXX XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance XXXX : {$590.00} XXXX XXXX Acct ending XXXXXXXX XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance XXXX. : {$730.00} XXXX - Acct ending XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX. : {$1600.00} XXXX -Acct ending XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX. : {$770.00} XXXX - Acct ending XXXX XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX. : {$110.00} XXXX XXXX - Acct ending XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX. : {$2900.00}

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
Consumer complaint received 2025-07-28 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:
This is a formal complaint against [ XXXX XXXX for XXXX XXXX report fraudulent, inaccurate, or identity-theft-related information after receiving a certified affidavit of dispute and FTC XXXX Theft Report. I am also submitted this matter to the CFPB. The credit bureau has failed to comply with XXXX XXXX. XXXX and XXXX. I am requesting your office open an investigation and demand immediate deletion of the account ( XXXX ) listed. ACCOUNTS XXXX - Acct ending XXXXXXXX XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance XXXX : {$590.00} XXXX XXXX Acct ending XXXXXXXX XXXX XXXX XXXX XXXX Date Open XX/XX/XXXX Balance XXXX. : {$730.00} XXXX - Acct ending XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX. : {$1600.00} XXXX -Acct ending XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX. : {$770.00} XXXX - Acct ending XXXX XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX. : {$110.00} XXXX XXXX - Acct ending XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX. : {$2900.00}

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
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$9600.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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