vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: OR

Complaint narrative:
Dispute Type : Incorrect Reporting XXXXXXXX XXXX Account Statement : I am disputing the derogatory reporting on my XXXX XXXX XXXX XXXX XXXX ( XXXX ) mortgage account. 

XXXX reported my mortgage as delinquent in XXXX and XX/XX/year>, despite the following : I was current when I entered forbearance in XX/XX/year>. 

Under the CARES Act ( Section 4021 ), if a borrower is current at the time of accommodation, the account must continue to be reported as current throughout the forbearance period. 

XXXX promised me that my credit would not be harmed by entering forbearance. 


Evidence : CFPB Complaint # XXXX In their XXXX XXXX, 2025 response, XXXX admitted XXXX reported my loan as over 30 days delinquent in XXXX and XX/XX/year>. 

CFPB Complaint # XXXX XXXX again admitted to reporting derogatory marks, despite assuring me there would be no credit impact. 

Both complaints are now in the CFPBs public database and have been forwarded to the FTC. 


Violations : CARES Act ( Section 4021 ) : Required continued current reporting. 

FCRA 15 U.S.C. 1681s-2 ( a ) & ( b ) : Furnishing inaccurate information and failing to correct after notice of dispute.

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 2025-10-03 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 reporting inaccurate and fraudulent information on my credit report. I have discovered multiple accounts listed as collections and charge-offs that do not belong to me and/or were opened without my knowledge or authorization. These accounts are negatively impacting my credit profile and are being reported inaccurately. 
The accounts in question include : XXXX- ( {$2400.00} ) ( XX/XX/XXXX ), XXXX- ( {$1800.00} ) ( XX/XX/XXXX ), XXXX- ( {$94.00} ) ( XX/XX/XXXX ), XXXX- ( {$580.00} ) ( XX/XX/XXXX ), XXXX ( {$0.00} ) ( XX/XX/XXXX ), XXXX- ( {$520.00} ) ( XX/XX/XXXX ), XXXX  ( {$6500.00} ) ( XX/XX/XXXX ), XXXX ( {$0.00} ) ( XX/XX/XXXX XXXX. I have filed an identity theft report with the Federal Trade Commission and I am disputing these accounts directly with the credit bureaus as well. I am requesting that the CFPB assist in investigating these matters and require the companies involved to provide full validation of these accounts. If they can not provide proper proof of my responsibility, I am asking that these accounts be removed from my credit report immediately.

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 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WY

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$800.00} USD from a U.S. Bank ATM. The machine failed to dispense the cash, but the amount was still debited from my bank account. 

I reported the issue to the bank within XXXX hours and filed a formal dispute. However, more than XXXX business days have passed and the bank has neither issued a provisional credit nor provided any written response about the status of my claim, which is a clear violation of Regulation E ( 12 CFR 1005.11 ). 

I submitted a follow-up letter demanding immediate resolution, but I still have not received any communication or reimbursement from the bank. I am requesting the CFPBs assistance to ensure U.S. Bank complies with federal law, reimburses the {$800.00}, and provides a written explanation of their investigation. 

Supporting documents such as account statements, transaction records, and correspondence with the bank are available.

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 2025-10-03 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and XXXX  data breaches, wch exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-10-03 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am requesting the removal of an unauthorized credit inquiry from my Experian credit report. 
The inquiry was made on XX/XX/year>, by a company named XXXX XXXX XXXX, which I do not recognize and did not authorize. 

This inquiry is negatively affecting my XXXX score and does not reflect any credit application or business relationship I have made. 

I contacted Experian, but since I did not authorize this inquiry, I am requesting an official investigation through the CFPB to verify its legitimacy and remove it if it is found to be unauthorized. 

I am providing all the necessary information to resolve this issue as soon as possible and kindly request the removal of this unauthorized inquiry from my credit report.

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 2025-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
I tried to reach out to the company in XXXX of 2021 regarding my financial situation but I was met without information or solution. No one cared to help. I had just lost my job and suffered a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 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 2025-10-03 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable items information that appears on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 1681i and 605B ), credit reporting agencies and furnishers are required to ensure that all information reported about a consumer is accurate, complete, and verifiable. The FCRA mandates that any information that can not be verified as accurate must be removed from the consumers credit file. 
XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/year> After careful review, I do not acknowledge the accuracy or validity of these entries. The reported statuses and balances appear to be incorrect, incomplete, or possibly outdated. Under the Fair Credit Reporting Act ( FCRA ), particularly 1681i and 605B ( 15 U.S.C. 1681c-2 ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable and to request its removal if it can not be verified.

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 2025-10-03 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:
I am writing to formally dispute inaccurate and unverifiable items information that appears on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 1681i and 605B ), credit reporting agencies and furnishers are required to ensure that all information reported about a consumer is accurate, complete, and verifiable. The FCRA mandates that any information that can not be verified as accurate must be removed from the consumers credit file. 
XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/year> After careful review, I do not acknowledge the accuracy or validity of these entries. The reported statuses and balances appear to be incorrect, incomplete, or possibly outdated. Under the Fair Credit Reporting Act ( FCRA ), particularly 1681i and 605B ( 15 U.S.C. 1681c-2 ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable and to request its removal if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX XXXX XXXX Date : XX/XX/XXXX Capital One Bank Attn : XXXX XXXX Department XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : XXXX  Adjustment Request for Late Payments on Account XXXX To Whom It XXXX Concern, I am writing this letter to respectfully request a goodwill adjustment regarding late payments reported on my Capital One account for the months of XXXX, XXXX, XXXX, and XX/XX/XXXX. 
Earlier this year, I experienced a period of extreme financial hardship that significantly impacted my ability to keep up with my bills, including my Capital One account. In late XXXX and early XXXX, I was facing housing instability and the threat of eviction. I had to urgently find a new place to live and direct all available financial resources toward securing housing for myself and my family. This situation caused a domino effect on my finances, and I quickly fell behind on all my monthly obligations. 
This was an extremely stressful and difficult time for me. I was doing everything I could just to make ends meet and provide basic necessities. While I understand that I am ultimately responsible for my financial obligations, these were exceptional circumstances that I could not have foreseen or avoided. As my situation has improved, Ive worked hard to get back on track, and my account is now in good standing. I am committed to maintaining a positive payment history going forward. 
I am kindly asking that you consider removing the late payments from my credit report as a gesture of goodwill. These delinquencies do not reflect my long-term payment behavior and were solely the result of temporary financial hardship. A goodwill adjustment would make a significant difference in my ability to rebuild my credit and continue moving toward financial stability. 
Thank you for your time and consideration. I have always valued my relationship with Capital One, and I hope you will consider this request favorably. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 2025-10-03 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 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 2025-10-03 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: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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 am disputing an inaccurate late payment reported on my credit file for my XXXX account ending in XXXX. My credit report shows a 30+ day delinquency for XX/XX/year>, which is incorrect. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), furnishers and credit reporting agencies must ensure the maximum possible accuracy of reported information. 

The payment was made only 17 days past the due datenot 30 or moreand therefore should not be reported as a 30-day late payment. 

Due date : XX/XX/year> Payment date ( XXXX ) : XX/XX/year> Days past due : 17 ( not 30+ ) I respectfully request that you investigate this matter, correct the inaccurate reporting, and update my credit file accordingly.

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 2025-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EdFinancial Services
State: AZ

Complaint narrative:
ON XX/XX/year>, I was alerted by XXXX credit reporting, that a new hard credit check had appeared. It shows as Ed Financial. I have not had any contact with them, this was not authorized in any manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I am writing concerning the alleged debt referenced above. I dispute the validity and amount of this alleged debt and request that you validate it under 15 U.S.C. 1692g ( the Fair Debt Collection Practices Act ).

Do not contact me by phone. All further communication must be in writing to the address above.

Under the FDCPA, please provide the following documentation and information within XXXX days : Written verification that I owe the alleged debt and a full itemized statement showing how the alleged amount was calculated ( principal, interest, fees, charges, dates and amounts ).

A copy of the original contract or agreement that bears my signature ( or other admissible proof that I agreed to the debt ).

The name and address of the original creditor, and copies of monthly statements or other documents from the original creditor demonstrating the alleged balance and dates of charges.

A complete payment history from the date the account originated to the present, showing all payments credited and how the current balance was derived. 
Proof that you are legally authorized to collect in XXXX ( a copy of your license/registration to collect debts in my state, if applicable ). 
Proof that you currently own the debt or have a legal assignment to collect the debt ( a chain-of-title showing each transfer/assignment of the alleged account from the original creditor to you ). 
If you assert a judgment, provide a copy of the judgment, the court and case number, and a certified date-stamped record. 
The name and address of any debt buyer or collection agency you have used regarding this alleged debt. 
While you do not validate the debt, you must cease all collection activities. Specifically, you must immediately stop reporting this alleged debt to any credit reporting agency until you have provided the requested validation. If you have already reported this account to any credit bureau ( s ), you must notify them in writing to delete or block the reporting until you provide the requested verification and correct any inaccurate information.

If you can not provide competent evidence of the debt and your legal right to collect it, you must ( 1 ) cease all collection activities, ( 2 ) inform all credit reporting agencies to remove any and all information about this account from my credit file, and ( 3 ) notify me in writing that you will do so.

I am asserting my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). This is a written dispute of the validity of the alleged debt ; do not assume any information you have is accurate without the requested documentation.

Please send all correspondence regarding this matter in writing to the address at the top of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: CT

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 non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
As of XX/XX/year> I have problem to login to account to frezze and unfrezze my credit report. This is causing me time and problems manageing credit for buying a home.

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 2025-10-03 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: MD

Complaint narrative:
XXXX XXXX XXXX is reporting an account I never opened. Experian marked it as verified and updated even though I already disputed it. This is a false debt and I want it removed. I never received any contract, statement, or validation from XXXX. Im requesting a reinvestigation and removal of the account. This has damaged my credit unfairly.

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