vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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

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 2025-07-07 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: GA

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 non-monetary relief
Consumer complaint received 2025-07-07 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: NV

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$720.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
I am filing this complaint because Experian, Equifax, and TransUnion continue to report multiple charged-off accounts from XXXX XXXXXXXX and XXXX XXXX as Potentially Negative, with balances and derogatory payment history, despite the debts having been officially canceled.

The original creditors issued IRS Form 1099-C for each of these accounts, proving the debts were discharged and reported as canceled income to the IRS. I have provided copies of these official 1099-C documents directly to the credit reporting agencies. Under federal law, this means the debts are no longer legally owed, and continuing to report them as active or past due is inaccurate and misleading.

I believe the credit reporting agencies have violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 1681e ( b ) for failing to ensure maximum possible accuracy, FCRA 1681i for not properly investigating and correcting these accounts after I supplied documentary evidence, and FCRA 1681s-2 ( a ), as they act as furnishers by selling and providing my credit data and have continued to report inaccurate information.

They are also violating industry Metro 2 standards by failing to update the status of these canceled accounts, reporting them with balances and payment history after cancellation, and not coding them with appropriate dispute flags.

I am requesting that the CFPB require Experian, Equifax, and TransUnion to immediately delete these canceled accounts from my credit reports and provide me with written confirmation. Their ongoing reporting is harming my credit reputation and causing unnecessary stress despite clear evidence that these debts were canceled.

Thank you for your assistance.

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

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion continue to report multiple charged-off accounts from XXXX XXXXXXXX and XXXX XXXX as Potentially Negative, with balances and derogatory payment history, despite the debts having been officially canceled.

The original creditors issued IRS Form 1099-C for each of these accounts, proving the debts were discharged and reported as canceled income to the IRS. I have provided copies of these official 1099-C documents directly to the credit reporting agencies. Under federal law, this means the debts are no longer legally owed, and continuing to report them as active or past due is inaccurate and misleading.

I believe the credit reporting agencies have violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 1681e ( b ) for failing to ensure maximum possible accuracy, FCRA 1681i for not properly investigating and correcting these accounts after I supplied documentary evidence, and FCRA 1681s-2 ( a ), as they act as furnishers by selling and providing my credit data and have continued to report inaccurate information.

They are also violating industry Metro 2 standards by failing to update the status of these canceled accounts, reporting them with balances and payment history after cancellation, and not coding them with appropriate dispute flags.

I am requesting that the CFPB require Experian, Equifax, and TransUnion to immediately delete these canceled accounts from my credit reports and provide me with written confirmation. Their ongoing reporting is harming my credit reputation and causing unnecessary stress despite clear evidence that these debts were canceled.

Thank you for your assistance.

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 2025-07-07 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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

Complaint narrative:
My accounts 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 to be removed/updated. 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. 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!

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
THIS IS A FOLLOW UP/ESCALATION!!!

WOW : Continued Reporting Violations by Onemain Financial ( Re-aging, Inaccurate Balance, Unverifiable Debt ) I am filing this follow-up complaint against Onemain Financial for continued violations of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and XXXX XXXX  compliance standards. 

Despite prior disputes, Onemain continues to report monthly updates showing a balance of {$18000.00} every single month from XXXX through XXXX with no new payment activity since XX/XX/XXXX. This is illegal re-aging of a charged-off debt.


Their own recent CFPB response included no itemized breakdown explaining how my original {$15000.00} loan ballooned to {$18000.00}, which is nearly {$3000.00} over the original amount. Under FCRA 623, furnishers must provide accurate and fully verifiable balances including contractual interest rates and fee justifications. Additionally, their mortgage reporting data shows : Continuous monthly balance updates making the account appear active despite being charged off in XX/XX/XXXX Status code I9 repeated every month, which misrepresents the age and status of the account under XXXX XXXX guidelines Onemains own statement claims they do not report new charge-offs each month, but the data shows continuous monthly balance updates with no new activity. This is misleading and materially harms my credit profile.

My Demands : Permanent deletion of this tradeline from all credit bureaus ( XXXX XXXX XXXX ) due to inaccurate, incomplete, and unverifiable reporting in violation of FCRA 623 ( a ) ( 1 ) ( A ).

Full itemized breakdown and accounting ledger proving the current balance, with dates, interest calculations, fees, and legal basis for balance increases post charge-off.

This complaint is submitted directly by me, XXXX XXXX XXXX. No third party is involved. I know the law, and this is a clear and ongoing VIOLTATION.

i attchached : Mortgage report screenshot showing monthly balance updates Onemains CFPB response letter I am prepared to escalate this matter to the State Attorney General, FTC, and CFPB Ombudsman if no immediate resolution is reached.

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

Complaint narrative:
I am writing to dispute a charge-off that XXXX XXXX XXXX has reported on my Experian credit report for the month of XX/XX/year>. This listing is inaccurate and harmful to my credit profile, as I made a payment to XXXX prior to the charge-off being filed. 

Specifically, I submitted my payment, and I have confirmation that it was processed by XXXX. Despite this, the account has been marked as charged-off, which does not reflect the actual status of the account during that time.

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 2025-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: MS

Complaint narrative:
XXXX of 2024 I was notified that my payment was going to increase to nearly {$700.00} per month which I knew I could not afford. I Requested a Modification to keep my note lower and affordable.

I was offered a modification trial payment period of 6 months at {$490.00} which I successfully completed. Now I have been notified that my payment is back up to over {$600.00} in less than a year. I was desperate to keep my home affordable as I am on a fixed income and have no other loan or refinancing options. 

The company sent me a package in XXXX around XXXX time and I Signed the papers stating my note would be permanently lowered to the {$490.00}. I have now realized that they did something else. They took away my affordable 3.375 % interest rate, evidently sold my loan at a 6.50 % interest rate and have most of my payment going to interest, taxes, and insurance whereas before most of my payment was going towards my principle since I have been paying on my home over 20 years.

I have also not been paid my surplus on my taxes and insurance and after they did this they refused to waive my requirement of having to have 2 months escrow set aside causing my note to inflate to over {$600.00} per month and my escrow to be {$400.00} per month??? 

I am XXXX XXXX XXXX, XXXX and struggling to survive. I asked my Mortage Servicer for help not to be ripped off. I hope you can look into the servicer of my loan. Find out what they did to my loan. I don't understand why they put me in a worse position when I called them asking for help!!!

PLANET HOME LENDING IS NOT BEING FAIR OR LOOKING OUT FOR THE INTEREST OF HOMEOWNERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
I am writing to formally dispute and report fraudulent activity on my credit report, which I believe is the result of identity theft stemming from the Equifax data breach in XXXX 

Recently, I noticed unauthorized accounts/inquiries on my credit report that I did not initiate or authorize. I have never applied for nor opened these accounts, and I am concerned that my personal information was compromised during the Equifax breach, which exposed sensitive data including Social Security numbers, addresses, and birth dates of over XXXX XXXX Americans. Please Block and remove accounts from my report

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

Complaint narrative:
Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Dispute Summary This account was charged off on the following date : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Since then, both accounts have continued to update monthly with charge-off notations. This reflects an active payment history on a closed, written-off account and artificially re-ages the debt a clear violation of the Fair Credit Reporting Act. These updates are factually inaccurate and misrepresent the age and payment activity of the debt. 

You have failed to properly investigate and correct these issues during previous disputes, which now constitutes continued reporting of false and misleading information. I am now demanding deletion of both tradelines from my credit 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 non-monetary relief
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX tx XXXX [ XXXX ] \n [ XXXX [ XX/XX/XXXX ] [ Capital One ] \n [ credit card Dear Sir/maam I am writing to formally dispute a matter regarding the unauthorized sale of my personal and financial information by your company. It has come to my attention that my credit card information and/or personal details have been sold or shared with third parties without my consent, and I am requesting an immediate investigation and resolution of this issue. 
Account Details : * Account Holder Name : [ XXXX XXXXXXXX XXXX XXXX Account Number : XXXX * Date of Incident/XXXX XXXX XXXX  I am extremely concerned that my personal information, including sensitive data such as my credit card details, has been compromised. This is a serious violation of privacy, and I expect the following actions to be taken promptly : 1. Investigation : A full investigation into how my information was shared or sold to third parties without my permission. 
2. Account Protection : Any necessary measures to ensure my account and personal data are secure going forward. 
3. Written Explanation : A written response from your company detailing the circumstances and actions taken regarding this issue.

4. Compensation ( if applicable ) : If there has been any financial harm or damages to my credit as a result of this unauthorized sale of information, I expect appropriate compensation and corrective action.

Please treat this matter with urgency, as it directly impacts my privacy and security. Under relevant privacy protection laws, I expect a timely response and resolution.

Thank you for your immediate attention to this serious issue. I look forward to your prompt reply. 
Sincerely, \n [ XXXX XXXX XXXX If youve already contacted them by phone or email, its good to reference any previous communication or case number.

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

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief