vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Soc Sec XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Student Loan Reporting by Experian During Approved Forbearance Dear Consumer Financial Protection Bureau , I am submitting this formal complaint regarding Experian inaccurate reporting of late payments on my XXXX  student loan, which occurred during a period in which I was enrolled in an approved forbearance. 
Despite my loan being in forbearance from XX/XX/XXXX, Experian has reported XXXX or more late payments during this timeframe. This information is false, and it is negatively impacting my credit profile and financial standing. 
Violations of XXXX  Law This inaccurate reporting appears to violate multiple federal laws and regulations, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to maintain procedures to ensure the maximum possible accuracy of information.

15 U.S.C. 1681i : Provides consumers the right to dispute inaccurate information and mandates a timely reinvestigation.

15 U.S.C. 1681s-2 ( a ) : Requires data furnishers, including loan servicers, to accurately report payment history and correct errors. 
XXXX XXXX XXXX of XXXX ( XXXX  ) and Related Regulations XXXX XXXX. XXXX : Requires accurate and complete reporting of XXXX  student loan information to consumer reporting agencies. 
XXXX  C.F.R. XXXX  ( k ) : Prohibits loan servicer from reporting a loan as delinquent when it is in an approved forbearance. 
XXXX  C.F.R. XXXX  ( b ) ( XXXX  ) ( ii ) : Requires guaranty agencies to accurately and timely update the loans credit reporting status. 
Summary of Issue Loan Servicer : XXXX XXXX XXXX. 
Credit Bureau XXXX : Experian Servicer Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Disputed Reporting : Late payment ( XXXX ) reported during approved forbearance period Forbearance Period : XX/XX/XXXX Date of Discovery : XX/XX/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 2025-10-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, FL XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Request for Deletion of Obsolete and Inaccurate Account Reporting Account : XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax XXXX, Under the Fair Credit Reporting Act ( CRA ), Section 605 ( a ), I am formally requesting the deletion of the account reported by XXXX XXXX XXXX XXXX ( XXXX  ) from my credit file due to obsolete and inaccurate reporting. According to my credit report, this account was opened on XX/XX/XXXX, the last payment was made on XX/XX/XXXX, and the account was closed on XX/XX/XXXX. This means more than XXXX ( XXXX ) years have passed since the original delinquency. 
As per FCRA Section 605 ( a ) ( 4 ), negative information such as charged-off accounts must be deleted after XXXX years from the date of first delinquency. Therefore, this account should no longer appear on my credit report. Furthermore, your report shows XXXX late payments, which directly contradicts the account 's classification as " XXXX. '' This inconsistency violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they maintain. Despite submitting multiple disputes to Equifax in the past, the account remains on my file and continues to be updated as recently as XX/XX/XXXX, which is misleading and legally considered re-aging under the CRA. This practice extends the reporting period beyond the lawful XXXX limit and is a clear compliance violation. I respectfully demand that Equifax : XXXX. Delete the XXXX XXXX XXXX XXXX ( XXXX ) - XXXX account from my credit file. XXXX. Provide written confirmation that the deletion has been completed. XXXX. Send me an updated copy of my credit report reflecting the correction. If this account is not removed promptly, I will escalate this matter through a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider contacting the Federal Trade Commission ( FTC ) for further enforcement action. Thank you for your attention to this matter. I look forward to receiving confirmation of resolution within the legally required time frame. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Phone : [ Insert your phone number ] Email : [ Insert your email ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Couch Lambert LLC
State: CA

Complaint narrative:
The law firm ( Couch Lambert LLC ) falsely represented its authority to garnish wages across state lines without domesticating a XXXX  judgment in XXXX. Their justification relied on a misstatement of federal authority and was not supported by law. Under XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), the XXXX XXXX held that misrepresenting the scope of ones legal authority constitutes a violation of 15 U.S.C. 1692e ( 2 ) ( A ) of the Fair Debt Collection Practices Act. 

XXXX XXXX conduct meets this definition because they cited an unrelated XXXX XXXX case involving federal employees to justify an out-of-state garnishment against a private-sector worker. This was a willful and misleading representation of law, actionable under the FDCPA and the XXXX XXXX. 

Such conduct directly parallels the misconduct condemned by the XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ), which held that misrepresentation of legal authority by a debt collector constitutes a violation of 15 U.S.C. 1692e ( 2 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) 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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a XXXX-round dispute regarding unauthorized credit inquiries appearing on my credit report. I previously submitted a written dispute to the credit bureau, requesting verification and documentary proof of my authorization for each inquiry, as required under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). 

Disputed inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The credit bureau responded stating that the inquiries were verified, yet no signed or electronic authorization, nor any evidence of a permissible purpose under 604 ( a ) ( 2 ) of the FCRA was ever provided to me. Accessing a consumer credit report without a permissible purpose and proper consent constitutes a direct violation of the FCRA 604 and 607.

Furthermore, more than XXXX  days have passed since my initial dispute without a proper investigation or validation being provided, which also violates the FCRA 611 ( a ) ( 1 ) ( A ).

I am requesting that the CFPB conduct a deeper investigation and require the credit bureau and the companies that accessed my report to either : Provide valid, signed proof of my consent, or Immediately delete the unauthorized inquiries from my credit report. 

I am attaching copies of my original dispute, proof of mailing, and the bureaus inadequate response as supporting evidence.

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 2025-10-17 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, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXXXXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$3600.00} XXXX # XXXX -Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XX/XX/XXXX -Balance {$19000.00} XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX -Balance {$390.00} XXXX  # XXXX -Date Opened XX/XX/XXXX -Balance {$1900.00} XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$7000.00} XXXX XXXX XXXX # XXXX -- Date Opened XX/XX/XXXX Balance {$10000.00} UNAUTHORIZED XXXX : EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-17 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: LA

Complaint narrative:
The XXXX account XXXX reported as a collection/charge-off, but the status and comments differ across all XXXX  bureaus. XXXX shows XXXX, Equifax shows XXXX, and XXXX  shows XXXX. Balances, dates last active, and charge-off comments are inconsistent. This violates FCRA 623 ( a ) ( 1 ) ( A ) ( accuracy in furnishing ) and XXXX XXXX, which requires uniform data across CRAs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
Fifth Third Bank misapplied funds on my mortgage escrow account ( loan ending in XXXX ), causing false default status and credit damage. 
In XXXX, they double-paid my homeowners insurance ( XXXXXXXX XXXX XXXXXXXX ). I canceled the duplicate policy and received a partial refund. On XX/XX/XXXX, I instructed the bank in writing to apply that refund to my escrow shortage. They initially applied the funds, but on XX/XX/XXXX, Fifth Third reversed the transaction and used the funds to cover principal and interest instead. 

This reversal created an artificial escrow shortage and inflated my monthly payment from {$3400.00} to {$3600.00}. Despite multiple letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), the bank refuses to correct the error. They have since returned my most recent payment and reported me as past due, even though the default resulted from their internal servicing mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 am filing this formal complaint against XXXX XXXX XXXX XXXX and XXXX XXXX for reporting inaccurate and harmful information on my credit reports in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Reported Issue : Late Payment High Balance : {$230.00} This tradeline is being reported with a late payment history. I dispute the accuracy of this reporting because no verifiable evidence or proper documentation has been provided to prove that I was late in accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to provide accurate information. Reporting inaccurate late payments damages my credit profile, violates the duty of accuracy, and causes financial harm. 

XXXX. XXXX XXXX ( XXXX ) Date Assigned : XX/XX/XXXX Original Balance : {$10000.00} Reported Issue : Collection Account This account is being reported as a collection. I dispute this information as inaccurate, misleading, and unverifiable. Under FDCPA 807 ( 15 U.S.C. 1692e ), a debt collector may not use false, deceptive, or misleading representation. XXXX XXXX has failed to provide proof of ownership, validation of debt, or proper documentation as required under FDCPA 809 ( 15 U.S.C. 1692g ). Continuing to report this debt without proper validation is a violation of my rights.

Harm Caused These inaccurate and unverifiable accounts have lowered my credit score, caused difficulty in obtaining credit, and subjected me to financial and emotional distress. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute and demand deletion of accounts that can not be verified with 100 % accuracy.

Requested Relief I respectfully request that the CFPB : Investigate these accounts with the furnishers. 

XXXX XXXX XXXX XXXX and XXXX XXXX to provide complete validation or delete the inaccurate tradelines. 

Ensure compliance with FCRA and FDCPA regulations to prevent further harm. 

Require immediate correction of my credit report with all credit bureaus ( XXXX, XXXX, and TransUnion ).

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 2025-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Kiavi, Inc.
State: FL

Complaint narrative:
I started a refinance application with Kiavi XXXX XXXX XXXX. The refinance was for my investment property located at XXXX XXXX XXXX XXXX XXXX XXXX I went through the process and paid {$800.00} for the appraisal. The appraisal was performed and a report was provided. However, I decided to cancel my refinance due to the fact that I was not told that Kiavi requires me to escrow my taxes and insurance where as I did not want that. Now that I have started the refinance process with another lender that does not require me to escrow my taxes and insurance, both the new lender Beeline and I requested Kiavi to transfer the appraisal given that I had paid for it. However, Kiavi is refusing to transfer the appraisal and now I am out of pocket of {$800.00}. I will now need to get a new appraisal with the new lender because Kiavi will not transfer. Kiavi states that it is their policy to not transfer appraisals. When I asked who determined that policy and how that came about, there was no explanation from their side. I am willing to bet I am not the only one being impacted by this. Kiavi has misled in the past as well and needs to be investigated thoroughly for their practices as they don't seem to disclose full information at the outset.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: LA

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 2025-10-16 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: LA

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 2025-10-16 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:
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 2025-10-16 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 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