vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
I am filing this complaint because Equifax has reported a late payment on my XXXX XXXX  XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX, dated XX/XX/year>, even though the account is clearly marked as paid with a past due balance of {$0.00}. This reporting error makes no logical or factual sense. A paid account with a XXXX balance can not simultaneously be considered late. Yet, Equifaxs records reflect exactly that an inaccurate and self-contradictory entry that unfairly damages my payment history and overall creditworthiness. 

Under the Fair Credit Reporting Act, consumer reporting agencies are required to ensure the maximum possible accuracy of all information they include in a credit report. That obligation isnt limited to major delinquencies or open accounts ; it extends to every piece of data they report, especially those that can mislead potential lenders. When Equifax allows false information like this to remain, it undermines the integrity of my entire credit file. I have already verified that the creditor shows this account as fully paid and closed in good standing, meaning the only place this false late payment exists is within Equifaxs system. 

This mistake has personal and practical consequences. Inaccurate late payment markers, even from years ago, can still lower a credit score, influence loan decisions, and reflect poorly on someones financial reliability. I have worked hard to maintain consistent, responsible payment behavior, and it is extremely disheartening to see my creditworthiness misrepresented because of a reporting oversight. This is not just a clerical issue its a direct violation of my rights as a consumer entitled to accurate and fair reporting under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXXXXXX 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 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) # XXXX XXXX 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 any 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 XXXX 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 of 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXXXXXX 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 Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX ) # XXXX XXXX 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 any 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 XXXX 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 of 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 2025-10-27 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: IL

Complaint narrative:
This correspondence is a formal dispute under the FCRA, Metro 2 Format, FDCPA, TILA, and UCC demanding reinvestigation and correction or deletion of the following inaccurate and unverifiable entries on my credit file. 
ACCOUNTS IN DISPUTE ( Experian ) XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Status : Charged-Off / Derogatory Balance : {$690.00} | Opened : XX/XX/XXXX Violation Summary : Still reports a balance after charge-off Listed as resolved dispute without accurate coding Violates Metro 2, FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), and TILA terms XXXX. FIRST PREMIER Account # XXXXXXXX XXXX XXXX XXXX XXXX Status : Charged-Off / Derogatory Balance : {$470.00} | Opened : XX/XX/XXXX Violation Summary : Inconsistent dispute handling Balance still reporting post-charge-off No XB dispute indicator, violating FCRA 611 and Metro 2 XXXX. XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX  Status : Closed / Late Late Payments : XXXX ( XXXX lates ) in XXXX Violation Summary : Status and late payments are inconsistent Misrepresentation of account condition XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Status : Open / Current Late Payments : XXXX ( XXXX ), XXXX ( XXXX ) Violation Summary : Misleading representation of a " current '' status account with several late marks INQUIRIES NOT TIED TO POSITIVE ACCOUNTS ( Experian ) No unlinked inquiries listed on this bureau at the time of review. 
LEGAL GROUNDS FOR DISPUTE You are hereby notified of the following legal basis for this dispute : FCRA 607 ( b ), 605 ( a ), 611 ( a ) ( 1 ) ( A ) : Accuracy, obsolescence, reinvestigation FDCPA 807, 808 : Misleading and unfair collection reporting Metro 2 Format : Errors in payment status, date of first delinquency, dispute code omission TILA and UCC : Inaccurate finance-related reporting In light of the XXXX  Data Breach of XXXX, I have heightened sensitivity regarding the accuracy and security of my credit data.

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 2025-10-27 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This letter concerns the XXXX XXXX advise sent to the credit bureaus, consequently dropping my XXXX score ( XXXX points ) from over XXXX to XXXX. 

In XXXX of XXXX, there were several instances of fraudulent activity on my Home Depot credit card. This activity resulted in ( XXXX ) cases being opened. 
The first case opened, consisted of ( XXXX ) fraudulent charges. 
{$470.00} {$350.00} The investigation of this case was completed, resolved in my favor and the disputed charges and all related fees were removed. See letter dated XX/XX/XXXX. 
The second case opened, consisted of ( XXXX ) fraudulent charge. {$250.00} On XX/XX/XXXX, I called credit services. I was advised the total balance on my account at this time was {$740.00}, which included the fraudulent charge of {$250.00}. I then made a payment of {$490.00} for the charges that were mine while on the phone. This amount was my balance less the fraud charge, and I closed the account. ( {$740.00} less {$250.00} ) XXXX, the investigation of this case was completed, resolved in my favor and the disputed charges and all related fees were to be removed. See letter dated XX/XX/XXXX. However, Home Depot credit services neglected to remove the late fees and interest related to this fraudulent charge. 

I have been in contact with XXXX XXXX XXXX XXXX several times as well as Citi. I also sent copies of the bill and the resolution letter. 
XXXX XXXX reopened the second fraud case to remove the account balance that is made up of fees and interest ; however, they have advised me this can take up to 45 days. Nonetheless, they submitted the late pay to the credit bureaus even though this is being investigated. 

I submitted a dispute to the credit bureaus. They opened a case, notifying XXXX XXXX and I received notification back from XXXX that XXXX XXXX confirmed the amount that they submitted as delinquent was correct. 
On XX/XX/XXXX, I called XXXX XXXX again, and the case is in audit. 
XXXX I paid the amount ( {$110.00} ) That XXXX XXXX has neglected to remove to keep the account from going to collections, however I will expect a full refund.

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 monetary relief
Consumer complaint received 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion has failed to conduct a proper reinvestigation as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ), continuing to report inaccurate and unverifiable information far beyond the 30-day legal limit. Despite being notified of these disputed tradelines, TransUnion neglected to verify them with competent evidence or furnishers certified documentation, resulting in a blatant violation of federal law. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain false charge-off notations, inaccurate payment histories, and unverifiable collection data that TransUnion continues to publish as meets FCRA requirements , despite the absence of proper reinvestigation records. This demonstrates a reckless disregard for accuracy and fairness the cornerstone of the FCRA. TransUnions delay, combined with its failure to produce any verifiable documentation, has resulted in severe damage to my credit profile, financial reputation, and overall standing. 

By ignoring its duty to provide a good-faith reinvestigation and relying on unverified data from third-party furnishers, TransUnion has acted negligently and unlawfully. Its conduct directly violates FCRA 1681i ( a ) ( 1 ) ( A ), which mandates completion of dispute investigations within 30 days, and 1681e ( b ), which requires maximum possible accuracy in all consumer reports.

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 2025-10-27 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-10-27 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: SC

Complaint narrative:
I am writing to file a formal complaint against the following creditors and furnishers for reporting inaccurate and misleading information on my credit report. These errors are damaging my credit profile and do not reflect accurate or verifiable information. Despite my prior attempts to resolve these matters directly with the furnishers, the issues remain uncorrected. 

The inaccurate items are as follows : Address Error : XXXX XXXX XXXX, XXXX, XXXX XXXX This address is incorrect and does not belong to me. Its presence on my credit file is inaccurate and misleading. 

Account Errors : XXXX  XXXX ( Account # XXXX ) Reported as a Charge Off with a high balance of {$63.00} and an open date of XX/XX/XXXX. This information is inaccurate, unverifiable, and should not be reflected on my credit report. 

XXXX XXXX XXXX ( Account # XXXX ) Reported as Late Payments with a high balance of {$3400.00} and an open date of XX/XX/XXXX. This account is being reported with inaccurate payment history and is not being verified according to FCRA standards. 

These accounts are in violation of the Fair Credit Reporting Act ( FCRA ) Sections 602A, 607 ( b ), and 611, which require that all information reported must be accurate, complete, and verifiable. The furnishers have failed to provide sufficient proof that this data is accurate. As a result, I am requesting a full investigation into these inaccuracies. 

Requested Actions : Remove or correct the wrong address immediately. 

Conduct a complete reinvestigation of the accounts listed above. 

Delete or correct any unverifiable or inaccurate information from all consumer reporting agencies. 

I request that CFPB hold the furnishers and reporting agencies accountable for non-compliance with the FCRA and ensure these errors are permanently corrected. 

Please confirm receipt of this complaint and provide a written response upon completion of the investigation.

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 2025-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
This is what I sent to the company Good Afternoon, I am writing to file a formal investigation and escalation due to misinformation and lack of disclosure regarding my forbearance plan repayment plan and how I have been reported Delinquent to the credit bureau. I have been speaking with your agent XXXX XXXX who told me on a recorded line yesterday that I was not given the correct information regarding my credit reporting from another agent and that they would be given training. My request has been simple to be reported current to the credit bureau as a result of the Misinformation given initially by the agent XXXX who stated my credit would be protected and XXXX XXXX who has told me on a recorded line that I was not given all of the information on credit reporting and how this would affect my credit moving forward. I have been current with you all since the plan that you offered due to Hurricane Helene. I was also told that a supervisor was too busy to get on the call with me to escalate and that I had to reach out here. I was also told the supervisor would call me yesterday and still have not received a call. If this is not resolved in a timely manner I will be issuing a formal complaint with the CFBP and reaching out to the attorney generals consumer protection office due to being misrepresented and given misinformation. Please contact me soon

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: VIRTUOSO SOURCING GROUP, LLC.
State: RI

Complaint narrative:
In XX/XX/XXXX, XXXX was contacted and provided documentation that I would be moving with my family due to military orders. This was nine months early. This authorized me to cancel the contract with the company via XXXX XXXX XXXX XXXX. They continued to send me bills where we would contact them to alert them this was in error. They were notified on more than two occasions but continued sending bills through XXXX. They sent us to a collection company in XX/XX/XXXX. The collection company requested documentation. This was provided and they did not contact us again. 

XXXX essentially harassed us for half a year. There were several other issues due to this, but they can be provided upon request. All bills and proof of communications also available upon request. There are many documents, emails, and correspondences. 

The initial stages of the complaint are not quite correct as the complaint is against XXXX, not Virtuoso but XXXX did not fall under the categories listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
Im am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allow repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX and XXXX are credit card accounts that came off of my credit report but continues to come back after I disputed them. Please use consumer law 605B to block remove and permanently delete it from my credit report. From what I can see there is more than XXXX XXXX  account 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 2025-10-27 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief