vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: VA

Complaint narrative:
I have contacted all 3 bureaus many times, challenging incorrect and outdated information on my reports. Since XXXX, I have sent 3 letters to them, the FTC, and the CFPB, and nothing has been done. TransUnion sent me an online summary stating that they had completed the investigation, but when I printed a new report recently, all the information was the same. Equifax and Experian sent letters to my virtual mailbox saying an investigation has begun and will take 30 days. It has been over 2 months and nothing has been reported or changed. I have notified them that they need to remove my virtual XXXX XXXX from my report. I use this address for safety reasons to keep my husband from finding us ( he went to jail for stalking me ). Besides that, I can not live at a XXXX XXXXXXXX, so why is it listed as a residence? All XXXX bureaus are now reporting an {$8000.00} collection account that belongs to my estranged husband. They say it is new, opened on XX/XX/XXXX and reported XX/XX/XXXX. This is an old debt belonging to him, the only person on the lease. XXXX XXXX left the property in XXXX, and XXXX XXXX took over, and I left the property XX/XX/XXXX under a conciliation agreement ( discrimination investigation ). In that HUD agreement, they consented ( and signed ) not to come after me in any manner for debts belonging to my husband. Both companies reported the debt, and the XXXX bureaus listed it without verifying. I sent a request for them to send me verified info. and I have received nothing. The error is still on my report and has dropped my score by XXXX points. This is making it difficult for me to find a home for my son and me, who had to leave our home under very stressful circumstances. It is also affecting my ability to gain employment with this report. I have written to everyone over and over, and I am now seeking legal advice for a civil or class action suit. I am also suing XXXX XXXX and XXXX XXXX for listing this information and damaging my credit file further. I am contacting everyone I can think of at this point, and I will not stop until action is taken to remedy their errors and correct my credit files monitored by these agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NC

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is willfully refusing to update accurate payment history for my active XXXX XXXX XXXX account. I have made four successful monthly payments since XX/XX/year> ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the last one made early ), and I have documentation proving this. Both XXXX XXXX XXXX are properly updating these payments, and my scores there are rising. Experian alone refuses to update the tradeline, which materially lowers my score compared to the other bureaus.

This is a direct violation of the Fair Credit Reporting Act, including FCRA 1681i ( failure to conduct a proper reinvestigation ) and FCRA 1681e ( b ) ( failure to maintain maximum possible accuracy ). I have repeatedly disputed Experians reporting failures and provided proof, but they continue to ignore my evidence and delay. 

This refusal is deliberate and harmful. Experian is suppressing my score by refusing to update verified, accurate payments unless I pay for their subscription XXXX XXXX That is coercive, deceptive, and unlawful.

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 2025-08-20 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: FL

Complaint narrative:
On XX/XX/XXXX I recently reviewed my credit report and noticed an account that is not report accurately. I have a late payments on an account that was actually paid on time. But Equifax needs to report this with accuracy. This account has not been late on payments and I have attached a copy of my reports from XXXX  to this complaint with the following dates... XX/XX/XXXX. I am requesting these payments to be updated to be on time immediately. I do not understand how one report can say 90 days and another says paid on time. Thank you for your prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: AR

Complaint narrative:
I am requesting the deletion of unauthorized accounts from my credit report. I did not consent to their creation and had no prior knowledge of them. Pursuant to USC 1681g, please remove them within 15 days. Relevant documents have been attached for your review.

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 2025-08-20 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:
This complaint is not a mistake. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy as required by law. These errors are placing a significant and ongoing burden on me during an already difficult time, and they are continuing to negatively affect my financial stability and well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : 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, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX - Account Number : 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  Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Mr. Cooper the mortgage lender failed to pay my flood insurance from my escrow funds even though my home is in a hazardous floodzone. They mistakenly deemed that my house wasn't in a hazardous floodzone. Because of this mistake, my flood insurance policy lapsed and wasn't paid even though there are adequate funds for this in my escrow. I contacted the company to send immediate payment from my escrow acct to pay for my flood insurance before I stood to lose my cap discount but they made me provide proodf that I am in a hazardous flood zone, so they could put in an escrow request so they could then issue payment. i was told this process takes 30 days and I had to pay my. flood insurance within 2 days at that point. so i had to pay my flood insurance out of my own pocket even though there are funds for this in my escrow and mr cooper made the mistake to begin with. I was on the phone with 5 different people from mr. cooper 's team for over an hour and got no resolution, the case is still in process and I had to pay close to {$1000.00} out of my own pocket. i am extremely frustrated and beside myself that i had to make up for their mistake and still dont have resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: IN

Complaint narrative:
I had a home that my water took a XXXX, I called XXXX XXXX and they told me I needed a new water heater. They suggested Goodleap. I did the application and was explain the details. But they left the part out to where out of my payment every month only XXXX dollars goes towards the principal. I was made to feel this was my only option and now Im stuck with a loan for next 15 years. Paying more In interest then what the loan was for. I am very upset and mad. When I emailed I didnt get any help at all. I no longer use this water heater because I had to sell my home. But still stuck paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: WA

Complaint narrative:
Please reference prior complaints # XXXX and # XXXX. The company 's response to each complaint is that they will provide hard copies via mail of my consumer disclosure report they sent to my insurance carrier. I have spoken with 3 different company representatives to no avail. LexisNexis continues to fail to provide the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
A creditor who purchased my charged-off debt is reporting the same account multiple times on my credit report. This creates the false appearance that I have more debt than I actually do and is damaging my credit unfairly. 

I understand that a debt buyer may report an account they purchased, but it should only be listed once. The original creditor may report a charged-off account as closed with a balance of {$0.00}, but the debt should not be duplicated across multiple active tradelines. And for multiple accounts This creditors repeated reporting of the same debt is misleading and appears to violate the Fair Credit Reporting Act ( FCRA ) requirement that information reported to credit bureaus be accurate and not duplicative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: PA

Complaint narrative:
Hi my name is XXXX XXXX XXXX and noticed multiple inaccuracies reporting on my credit profile in XX/XX/year>. I ask that you remove these inaccuracies immediately! I am a victim of identity theft. These accounts are not mine.

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 2025-08-20 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: PA

Complaint narrative:
Hi my name is XXXX XXXX XXXX and noticed multiple inaccuracies reporting on my credit profile in XX/XX/year>. I ask that you remove these inaccuracies immediately! I am a victim of identity theft. These accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: CBC Companies, Inc.
State: MD

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank
State: NJ

Complaint narrative:
XX/XX/year> XXXX XXXX [ XXXX ] XXXX XXXX XXXX XXXX cite : XXXX ] [ cite_start ] XXXX XXXX XXXX XXXX [ cite : XXXX ] XXXX XXXX P.O. XXXX XXXX [ cite_start ] XXXXXXXX XXXX XXXX [ cite : XXXX ] * * Subject : Request to Pause Payments - Account No. XXXX XXXX XXXX XXXX * * Dear XXXX Customer Service, [ cite_start ] I am writing to formally request that you pause all payments from my XXXX loan account ( Application ID : XXXX ) to the merchant, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

[ cite_start ] This loan is intended to finance a window replacement project at my residence [ cite : XXXX ]. [ cite_start ] However, the project is contingent upon approval from my XXXX at XXXX XXXX XXXX XXXX ( HOA ) [ cite : XXXX, XXXX, XXXX ]. As of this date, the XXXX has not granted this approval. 

[ cite_start ] The request for approval was submitted by XXXX by XXXX on XX/XX/year> [ cite : XXXX ]. [ cite_start ] There have been several follow-up communications since, but we have not yet received the required written confirmation to proceed [ cite : XXXX, XXXX ]. [ cite_start ] According to the project 's Scope of XXXX, the work is estimated to start XXXX weeks * after * association approval is granted [ cite : XXXX ]. Consequently, no work has started, and no services have been rendered by the contractor. 

Therefore, please do not release any funds to XXXX XXXX XXXX XXXX, LLC DBA Renewal by XXXX for this project. I will notify you immediately and provide written confirmation once the XXXX has formally approved the work. 

Thank you for your prompt attention to this critical matter. [ cite_start ] You can reach me at XXXX [ cite : XXXX ] or by mail at the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Credit Inquiries Urgent Attention Required To Whom It May Concern, I am writing to formally dispute several unauthorized and fraudulent credit inquiries that appear on my Equifax credit report under my name, XXXX XXXX XXXX I did not authorize these inquiries and have no affiliation or relationship with the companies listed. 

The following inquiries are fraudulent and should be removed immediately : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These inquiries were made without my knowledge or consent and are the result of fraudulent activity. I am a victim of identity theft and have not applied for credit with any of the companies listed above. These inquiries are negatively affecting my credit score and may impact my financial standing. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these unauthorized inquiries be removed from my credit report promptly. 

Please conduct a thorough investigation and confirm in writing once these inquiries have been removed. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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