vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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:
Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under the FCRA Account in Question : XXXX XXXX XXXX, XXXX Account ending in XXXX To Whom It May Concern : I am writing to formally dispute inaccurate information on my Equifax credit report. The account listed under XXXX XXXX XXXX, XXXX ( XXXX ) is reporting a XXXX late payments status, yet the detailed payment history reflects multiple serious delinquencies and a charge-off ( CO ) from XX/XX/XXXX to XX/XX/XXXX. 

This is a clear contradiction and constitutes inaccurate and misleading reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2.

I am requesting the following : 1. A full investigation into this inconsistency ; 2. Immediate correction or deletion of the inaccurate data ; 3. Written confirmation of the outcome within 30 days. 

Please find enclosed a copy of my ID and a screenshot of the reporting error for your review. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Has reported inaccurate information repeatedly after attempts to correct. some accounts that were scheduled to be removed are still showing, there are collections/charged off accounts being reported that are uncollectible due to the third party purchase, no validation of debts they claim I owe ie, original contract or agreement showing I agreed to the debt, no full chain of custody/assignment, all transfer and ownership flow agreement between the thirdpart collection agency, no itemized breakdown of the total amount claimed, and the method used to verify the debts were done via eOSCAR method. Several of my consumer rights have been violated as per FCRA, including, but not limited to, 12CFR1006.34,12CFR1005.6, 15USC6802 SEC 604, 15USC1681 ( I, a, c, b, d, n ) 2-2,15USC1692 ( g, c ) ,18USC1028 ( A, b )

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 2025-07-21 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
Has reported inaccurate information repeatedly after attempts to correct. some accounts that were scheduled to be removed are still showing, there are collections/charged off accounts being reported that are uncollectible due to the third party purchase, no validation of debts they claim I owe ie, original contract or agreement showing I agreed to the debt, no full chain of custody/assignment, all transfer and ownership flow agreement between the thirdpart collection agency, no itemized breakdown of the total amount claimed, and the method used to verify the debts were done via eOSCAR method. Several of my consumer rights have been violated as per FCRA, including, but not limited to, 12CFR1006.34,12CFR1005.6, 15USC6802 SEC 604, 15USC1681 ( I, a, c, b, d, n ) 2-2,15USC1692 ( g, c ) ,18USC1028 ( A, b )

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 2025-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
As part of my usual routine, I reviewed my credit report today and was surprised to find some discrepancies that werent there before. I attempted to refresh the page in case it was a temporary glitch, but nothing changed. I kindly ask that you thoroughly review the documents Ive provided to ensure this issue is resolved for good.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute several late payment and collection account entries listed on my Experian credit report dated XX/XX/XXXX. Please investigate and correct the following items, which I believe may be inaccurate or unverifiable XXXX XXXX XXXX XXXX XXXX  The account is listed as 'Open/Never Late ', but it shows a XXXX late payment in XX/XX/XXXX. Please update or remove the inconsistency. 
XXXX XXXX XXXX XXXX This account was voluntarily surrendered in XXXX, yet it continues to show a {$5500.00} past due balance through XX/XX/XXXX. Please verify the accuracy of this reporting. 
XXXX XXXX XXXX XXXX ( Acct XXXX ending in XXXX ) This charged-off account still shows a balance of {$100.00}. If the debt is settled or sold, please update the account accordingly and consider removing late payments if resolved. 
- XXXX XXXX XXXX the account was paid from collateral and closed, two late payments ( 30 and 60 days ) are still reported. Please review and remove these if resolved. 
- XXXX XXXX This account is charged off with a {$270.00} balance and shows nine months of delinquency. Please confirm if the reporting is current, valid, and accurate. 
- XXXX The account is charged off with a {$0.00} balance, yet eight months of late payments are still reported. No contact information is listed. Please verify and update or remove as appropriate.

- XXXX XXXX XXXX This collection account is listed with a {$1400.00} balance. The debt is marked as disputed. If it can not be verified, please remove the account.

I respectfully request that these entries be reviewed and updated or removed as needed. Please provide a written response once your investigation is complete and send me an updated copy of my credit report.

Thank you for your attention to these matters. 

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 2025-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
on XX/XX/XXXX I went into the bank branch in XXXX, Florida and I was voiced my concern about my online banking information being changed I worked with the bank teller and she switched a few numbers around and told me everything should be good in the night of XX/XX/XXXX around XXXX XXXX. I started getting multiple text messages saying my passwords are being changed again. The next morning, when I awoke, I found that my money market account my money market account was scammed for a little over {$10000.00}. I immediately called the bank again spoke to the same bank advocate that I had dealt with on the XXXX. She immediately started emailing me all the paperwork to change the accounts. She even went as far as changing the passwords until I was able to get back into the branch that afternoon. I went into the bank and we changed all of the information. I still have not received this money back. I was told by the bank teller that they know where the money is that it was put on hold and could be transferred back to me. I have called several times. I was into the bank on several different occasions. I have talked to the branch manager, and I still have not received anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Im writing this letter today due to us filing an insurance claim for XX/XX/XXXX damage. ( I filed in XXXX ). The insurance claim went through within 10 days, and they sent us a check for a little over XXXX to get everything fixed. The mortgage company ( Freedom Mortgage ) asked my husband and myself to sign the check and send to them for their signature and stated they would send the check back within 10 days of the FULL AMOUNT ( they stated if it was under XXXX, I would get the whole amount at one time ). They STILL have my money. They have dragged this out for months saying I need certain paperwork filled out, so I send it to them, then they say another paperwork needs filled out, then they said I need the insurance adjusters findings AGAIN because they lost it. I actually faxed it to the Claims Department twice and both times they stated they lost it. The construction manager even emailed them TWICE and they said they first time I was missing additional paperwork so he drove all the way from XXXX and had us sign it, also bought an overnight XXXX  label so we could get the ball rolling on this claim. No money again, so he called approximately two weeks later asking what the holdup was this time because prices of material is going up every day and they stated to him that we are behind in our payments ( which was FALSE- I had to get all of my statements and stubs to prove it which was embarrassing that they would even say such a thing. They also told the construction manager that they would send him XXXX of the XXXX so they can buy some materials, and they could just send them the receipts of the remainder of the amount, and they would reimburse them. Mind you, we have had 2 BIG storms since then and my house keeps getting worse. Im always paid my bills 1-2 weeks early, I keep very good records, Thank XXXX. The construction company told me it was time to contact a lawyer because they are just holding my money XXXX!! I have contacted the insurance company also, and they also state I should talk to a lawyer because Freedom Mortgage cashed the check in XXXX. Which now they are telling me its in my escrowWHY??? I received this month 's bill which of course states I'm not behind in any payments and there is NO XXXX dollars in my escrow. I spoke to a lawyer, and they requested I file a complaint before moving forward.

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 2025-07-21 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 did not open these fraudulent accounts and demand they be removed from my credit file within 15 days per 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has been repeatedly reporting credit card XXXX XXXX XXXX XXXX  as active and late. My research show the card as being closed. Experian iappears to purposely use this outdated information to force my credit score lower which denies me othe credit opportunities.

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 2025-07-21 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I made my insurance and phone payments ( one was {$150.00} and the other is {$140.00} ) when i had money in my account and they initiated a reversal on both payments

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 2025-07-21 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
Ive already sent disputes to TransUnion, Equifax, and Experian about wrong info showing up on my credit report. I listed the accounts and pointed out the violations, but it's been over 30 days and I havent heard anything back. 
Just to be clear : This account hasnt been marked as disputed, which violates FCRA 623 ( a ) ( 3 ).

The Date of Last Activity is wrong. Under FCRA 605 ( c ), it should reflect the date of the last paymentnot whats currently showing.

Ive also asked for proper validation of this collection, and that still hasnt been provided. Thats a violation of FDCPA 809 ( b ), based on FTC guidelines. 

Ive attached the letters I originally sent. At this point, I expect this to be corrected or the account removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This inaccurate reporting has been verified through my breach documentation, yet the credit reporting agencies have failed to correct these errors. This is significantly harming my credit score and affecting my ability to secure housing, transportation, and business growth opportunities.

I am requesting immediate removal of all disputed items in accordance with the Fair Credit Reporting Act ( FCRA ) and based on the evidence I have provided.

Please take prompt action on 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 non-monetary relief
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
This inaccurate reporting has been verified through my breach documentation, yet the credit reporting agencies have failed to correct these errors. This is significantly harming my credit score and affecting my ability to secure housing, transportation, and business growth opportunities.

I am requesting immediate removal of all disputed items in accordance with the Fair Credit Reporting Act ( FCRA ) and based on the evidence I have provided.

Please take prompt action on this matter.

Company response to consumer: Closed with explanation