vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: Freedom Mortgage Company
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Freedom Mortgage Corporation for ongoing issues that have significantly impacted my credit and overall well-being. 

Freedom Mortgage has reported inaccurate and false late/missing payments to the credit bureaus. These derogatory marks are not only incorrect, but I have documented proof that the payments in question were made or handled under arrangements previously discussed and confirmed by their representatives. 

Over the past several months, I have made multiple attempts to resolve this issue directly with Freedom Mortgage. I have : Called repeatedly and left messages with no return communication. 

Been promised that voice recordings of our conversations would be reviewedspecifically where agents gave assurances that contradict what has been reported to the credit bureaus. 

Received inconsistent, misleading, and in some cases, outright false information from their customer service agents.

As a consumer, I have the right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, to be free from the use of false, deceptive, or misleading representations in the collection of any debt. Reporting payments inaccurately, especially after giving verbal confirmation that my account was in good standing, violates this section.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information ( like Freedom Mortgage ) are legally required to report only accurate and complete information to credit bureaus. Willfully or negligently placing false information on a consumers credit report is a violation of this statute.

These inaccurate marks have : Severely damaged my credit score Caused me emotional and financial distress Prevented me from obtaining other forms of credit or refinancing options I am requesting that the CFPB conduct a thorough investigation into Freedom Mortgages credit reporting practices and lack of consumer responsiveness. I also demand that : These false late payments be immediately removed from all credit reporting agencies.

A formal review of the call recordings be conducted and disclosed.

Freedom Mortgage be held accountable for their deceptive and damaging practices.

Please consider this an urgent matter. My credit profile continues to be harmed every single day this is not resolved.

I have attached supporting documentation to verify my claims, including payment confirmations and a summary of my communication attempts.

Thank you for your time and support in this matter.

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I had two transactions on my SoFi Bank account : a {$300.00} unauthorized charge from XXXX and a {$310.00} XXXX XXXX transaction that I canceled. I filed disputes for both, and SoFi resolved them. Despite this, on XX/XX/year>, I received an email that my account was restricted due to irregular activity, and I was unable to access my funds. I have not done any irregular activity and contacted SoFi for resolution, but my account remains restricted and I can not access my money. I am requesting that SoFi reinstate my account access and release my funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Prosper Marketplace, Inc.
State: MI

Complaint narrative:
Was caught in a scam in XXXX regarding XXXX XXXX XXXX  Sent documents to dispute department through email. Received a call from a disputes agent. He said he could not open the email document ( which was an XXXX phone photo ) and said he would call me back, that he was going to try a couple other options and call me back. Never heard from the dispute department again. I have valid proof that I was scammed and they closed my account. I was called today XXXX from Prosper Credit card Co only to be lied to. Agent told me my disputes were valid and {$64.00} payment would get me to a zero {$0.00} balance. I paid tge {$64.00} and transferred to another agent which told me my disputes were NOT valid and I still have the same balance as before. 
Also when my charges were in dispute the company was charging me interest on the account. Never removed the disputed amount. Kept charging interest on it. I have never had a credit card company do that. Stay away from Prosper Credit Card Company!!!

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I got my credit report through experian in the mail but an ( unknown ) phone number was listed below my personal phone number. I called and requested that be fixed immediately in which they said would take 7-10 business days. I tried to download the app and sign up even though it automatically filled in my personal information including my social security number, it would not allow me to sign up or login saying it was unable to verify me. I have called every customer service number I could find, I can not get through to a real person and the automated system keeps hanging up on me and not helping me at all. It wont even send a code to my phone number for verification. I tried contact us online and all it does is give you a selection of Q & As that help nothing at all.

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 2025-07-10 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-10 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: CA

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

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX 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 2025-07-10 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:
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 30 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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:
I am disputing a XXXX XXXX account opened on XX/XX/year> that is listed as Paid in settlement. This language is unclear and may misrepresent the nature of the account closure, implying derogatory action when the account was resolved. I am requesting that the company verify the accuracy of the status and update it to Settled - {$0.00} Balance or remove the account if it can not be verified under FCRA 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

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 2025-07-10 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: CA

Complaint narrative:
After 2 Transunion disputes about this issue, I called XXXX XXXX on XX/XX/XXXX to ask for a goodwill removal of the incorrect status. My first 2 disputes were because XXXX XXXX deliberately added " It was a charge off '' to the remarks that says the account was PAID IN FULL. A representative told me there was no way they could remove or change the derogatory status or remarks! Why put derogatory remarks on the account when they were paid in full by another 3rd party lender ( XXXX XXXX XXXX )? It doesn't matter how. They were paid off, and in full. The only answer is they wanted to hurt me on purpose. Also, this account became delinquent during COVID in XXXX. I have documentation that will upload to verify that I wasn't working at the time and I couldn't pay for medical reasons and all of my other bills piling up. At the time that I couldn't pay, my name was XXXX XXXX XXXX. I hadn't had my name legally changed yet. So XXXX XXXX violated the fair credit reporting act, 15 USC 1681i.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-07-10 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: Marlette Funding, LLC
State: MI

Complaint narrative:
I am submitting this complaint regarding XXXX and Best Egg, both of which are furnishing unauthorized and inaccurate information to the credit reporting agencies. 

Basis of Complaint : I have no knowledge of, nor did I authorize or open, any account with XXXX or Best Egg. Their reporting is false, inaccurate, and in direct violation of : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Duty to delete information that is inaccurate, incomplete, or unverifiable after reinvestigation.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

Supporting Case Law : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Credit bureaus and furnishers must perform a reasonable investigation and can not rely solely on automatic verification.

Richardson v. Equifax Info. Servs., LLC , 2022 U.S. Dist. LEXIS 98346 Affirming the duty to delete unverifiable information promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I found a previous complaint, which I am attaching a screenshot of the companies response to, they had reinserted removed late payments that were incorrect from my account XXXX XXXX. Their response for the complaint was that they had removed the offending item completely although as you can clearly see upon logging in today, you will see todays date screenshot of todays credit report showing at the item is still there and the wrong information is still there. I am attaching a letter from the bank, saying that these are incorrect as well. These items need to be removed at this point I believe its time for civil penalties to be assessed, I have taken months and months of inaccurate credit scores from Trans Union through this, and I have been negatively affected in financial ways. It is time for them to have a civil penalty. A screenshot of my current experience credit report for this account showing that I have never had a late payment and I am a good standing. You cant have different information on different reports. Thats a violation of the FRCA.

Company response to consumer: Closed with explanation