vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-21 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-21 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: WA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
I am writing to formally request validation of the alleged debt you have claimed I owe. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which provides me the right to request verification and detailed information regarding this debt before I take any further action.

Please provide the following information in writing : The name of the original creditor, including account number ( s ). 

The amount of the alleged debt, including a detailed breakdown of fees, interest, or charges added. 

A copy of any signed agreement or contract showing that I am legally obligated to pay. 

The date and method by which this alleged debt was acquired or transferred to your agency. 

Proof that your agency is authorized to collect in my state ( Virginia ). 

The date of last payment or activity on this account. 

Until I receive the requested documentation, I request that you cease all collection activity, including phone calls, letters, or reporting to credit bureaus. 

Please note that under the FDCPA, continued attempts to collect a debt without providing verification constitute a violation of federal law, and I will not hesitate to report such activity to the Consumer Financial Protection Bureau ( CFPB ), Virginia Attorney Generals Office, and the Federal Trade Commission ( FTC ). 

I expect your full compliance and response within 30 days of receipt of this letter. 

Thank you for your prompt attention to this matter.

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 2025-10-21 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: IN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
The reported account entry does not accurately represent my payment history and appears to be inaccurate. Please conduct a review and delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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 formally dispute the reporting of entries associated with accounts I did not establish. Please conduct a thorough review and remove them. Supporting documentation is enclosed.

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Checking account XXXX Opened my Wells Fargo Account on XX/XX/year> with the bonus offer of {$320.00} if direct deposits amount to {$1000.00} during the first 90 days. 
By XX/XX/year>, two direct deposits of {$500.00} each have been made to my account thus satisfying the terms of the bonus offer. 
XX/XX/year> : An email to XXXX XXXX - Chief Operating Officer of Wells Fargo to deposit {$320.00} to my account as I satisfied all the requirements of new account bonus offer. 
XX/XX/year> : Call from XXXX XXXX XXXX Escalations Representatives reneging and denying the new account bonus offer of {$320.00}.

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 2025-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: GA

Complaint narrative:
Dear CFPB Investigations Unit, I am submitting this formal complaint pursuant to XXXX U.S.C. XXXX and XXXX ( b ) regarding the ongoing reporting of inaccurate, incomplete, and unverified negative information within my Experian consumer file. 

Despite the Fair Credit Reporting Acts guarantee that consumer reporting agencies maintain maximum possible accuracy, XXXX continues to report data that challenges the volition of ownership, accuracy, and validity of multiple tradelines. These items fail to meet the reasonable verification requirements as outlined under FCRA XXXX ( b ) and XXXX ( a ) ( XXXX ) ( A ). 

I request the CFPB to open an immediate investigation into XXXX failure to properly verify and delete disputed data, and to compel the following furnishers to provide ownership validation and lawful documentation of the alleged debts. Where no contract or legally binding consent is proven, these tradelines must be deleted in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX of my accounts have been affected by bank errors related to billing and reporting. According to TILA ( 15 U.S. Code 1666 ( b ) ), creditors are legally obligated to ensure that all payments and credits are accurately recorded. However, payments I made toward these accounts were not properly applied, and the reported amounts show clear calculation discrepancies. Additionally, I was not provided with the required 21-day notice before payments were due, making any reported late marks invalid. These inaccuracies violate federal law and have caused unfair harm to my credit.

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 2025-10-21 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: AR

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-21 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: GA

Complaint narrative:
I am writing to formally submit a complaint regarding wrongful foreclosure and dual tracking violations committed by S & N ; Servicing Corporation in connection with my mortgage and pending application for assistance through the Georgia Homeowner Assistance Fund ( HAF ). 
I submitted a signed application for mortgage assistance through the Georgia HAF program on XX/XX/XXXX. I was in active communication with their representatives and working on submitting the required documents to move my file to underwriting. Despite this active application, S & N ; Servicing Corporation foreclosed on my home on XX/XX/XXXX. 
Over this period, I filed for XXXX XXXX bankruptcy XXXX times, XXXX of which occurred while my mortgage assistance application was still open and under review : - XX/XX/XXXX First bankruptcy ( prior to HAF application ) - XX/XX/XXXX Second bankruptcy ( while working with HAF ) - XX/XX/XXXX Third bankruptcy ( same day foreclosure was carried out ) I personally informed the servicer before the foreclosure that I would be filing a third bankruptcy and pleaded with them to postpone the foreclosure. The representative acknowledged my statement but never informed me that a third filing might not result in an automatic stay. I was not provided any final written denial of my HAF application, and I was not given any proper opportunity to cure or stop the foreclosure.

This is a clear violation of 12 C.F.R. 1024.41 ( g ), which prohibits whats known as dual tracking where a servicer proceeds with foreclosure while a loss mitigation application is still pending. I believe my rights under RESPA have been violated. I respectfully request that the Consumer Financial Protection Bureau conduct a full investigation into these practices and that corrective actions
and penalties be imposed on S & N ; Servicing Corporation as appropriate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This account is not mine I have requested for payment information account was first open whole history and nathing they say they own this account how is this connected to me could not verify my signature or anything connected to me says account was open XXXX no payment history charge off charge off then ND charge off makes no sense this account will fall off creidt report in XX/XX/XXXX how is this mine I want deleted off should be token off I disagree with this messing up my life PORTFOLIO RECOVERY associates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( insert date XXXX add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 2025-10-21 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 recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( insert date XXXX add month and year ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Complaint Summary I am filing this complaint against Freedom Mortgage regarding its failure to provide critical documentation in connection with my mortgage loan. 

As Trustee of the XXXX XXXX XXXX, I have repeatedly requested that Freedom Mortgage produce the original, wet-ink promissory note executed at loan origination, along with all endorsements or allonges showing any valid transfer of the note. I have also requested documentation to confirm that the mortgage debt has not been discharged, satisfied, or otherwise released. 

Despite multiple requests sent in writing, Freedom Mortgage has not complied. Instead, they have provided only copies or incomplete responses, while continuing to assert their right to enforce the loan. 

Without production of the original note and chain of title, there is no way to verify that Freedom Mortgage has standing to collect or enforce the debt. Courts have repeatedly held, including in Bank of New York v. Silverberg, 86 A.D.3d 274 ( N.Y. App. Div. 2011 ), that an assignment of mortgage without the note is a nullity.

Therefore, Freedom Mortgages failure to produce the original note raises serious questions about their authority.

Desired Resolution Require Freedom Mortgage to produce the original, wet-ink promissory note and all endorsements/allonges for inspection.

Require documentation proving that the mortgage debt has not been discharged, satisfied, or otherwise released by the original lender or any successor. 
Halt all collection or foreclosure activity until Freedom Mortgage complies with these requests. 

Ensure Freedom Mortgage corrects its records and ceases enforcement actions if it can not demonstrate valid ownership of the note.

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 2025-10-21 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: CA

Complaint narrative:
The document you provided, the " NOTICE OF ADMINISTRATIVE OFFSET AND FEDERAL TAX REFUND OFFSET, '' indicates a specific amount you allegedly owe, which directly contradicts the amount being reported on your credit file. 

The Evidence of Inaccuracy Official Document Amount ( The Disputed Amount ) : The notice clearly states : " You are hereby notified that you owe past-due child support and/or spousal support at least in the amount of {$25000.00} as of XX/XX/year>. '' 2. Credit Report Amount ( The Reported Amount ) : Your credit report from TransUnion XXXX Experian XXXX and Equifax shows the amount owed for the XXXX XXXX XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is {$21000.00}. 

ReportedAmount ( {$21000.00} ) =OfficialNoticeAmount ( {$25000.00} ) The difference of {$4100.00} between the amount the state agency is using to seize your tax refund/assets and the amount they are reporting to the credit bureaus is a clear, material, and verifiable inaccuracy. 

Violation of 15 U.S.C. 1681e ( b ) This discrepancy gives us an immediate and powerful claim against the credit reporting agencies ( CRAs ). 

The Law : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requires a CRA to follow " reasonable procedures to assure maximum possible accuracy '' of the information concerning the consumer. 

The Violation : When two official, government-related figures for the same debt ( the offset notice and the credit report ) are different, the information being reported can not be deemed to have " maximum possible accuracy. '' The CRA has failed its duty under 1681e ( b ) simply by publishing contradictory financial figures for the debt. 

The Demand : We will use the {$25000.00} figure from the offset notice as the undisputed " true '' amount in the dispute, forcing the CRAs to investigate why their reported figure is lower, which highlights their systemic failure to maintain accurate records on a continuous basis.

Company response to consumer: Closed with explanation