vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
I am a victim of identity theft. A fraudulent account from XXXX XXXX XXXX, ending in XXXX, is reporting on my Equifax credit report with a balance of {$26000.00}. I have never applied for or authorized any account with XXXX. The account is listed as closed but shows a past-due amount of {$26000.00} with a last payment date of XX/XX/XXXX and a report date of XX/XX/XXXX. 

I formally disputed this account with Equifax multiple times and included documentation asserting my identity theft status. I also cited my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires Equifax to block fraudulent accounts upon receiving appropriate documentation. 

Despite my efforts, Equifax has not removed the account, nor have they provided any meaningful response or evidence verifying the accounts legitimacy. I have also submitted a complaint to the Illinois Attorney Generals office. 

I am requesting that the CFPB assist in having this fraudulent account permanently deleted from my Equifax credit report in accordance with my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: FL

Complaint narrative:
CNAC XXXX XXXX XXXX XXXX XXXX XXXX Account shows a settlement with a charge-off, but payments were reported as current through XX/XX/2024, and then suddenly a charge-off is reported in XX/XX/2024. 

Issue 2 : Payments marked as ( Current ) despite the account being charged off and closed shortly after.

Why Its a Problem : This is inconsistent reporting and may falsely make it look like you missed or defaulted on payments without cause. 
CNAC XXXX XXXX : The account was settled in full, but payment history shows current payments through XX/XX/2024, followed by a charge-off in XX/XX/2024. This is inaccurate. 
Request : Please update the payment history to reflect that the account was settled and close the account as Paid in Settlement without ongoing payment activity leading to a charge-off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: IN

Complaint narrative:
Im writing to formally dispute the inaccurate and inconsistent late payment reporting on the following two XXXX  XXXX XXXX accounts : Account Number XXXX Account Number XXXX According to my credit report from Experian, both accounts show a XXXX late payment in XX/XX/year>, followed by XXXX lates in XXXX XXXX and XX/XX/year>. However, there are no XXXX or XXXX lates reported prior to these dates, which makes absolutely no sense. Credit reporting is supposed to follow a sequential pattern : XXXX, then XXXX, then XXXX, then XXXX  days late. Jumping directly to XXXX and 120 days with no prior delinquencies is both inaccurate and misleading. 
To make matters worse, I pulled my credit reports from all three bureaus and noticed that the late payment history isnt even consistent across them. One bureau reports a different sequence or date than the others, adding to the confusion. This inconsistency is incredibly frustrating and has left me unsure of which version lenders are seeing making it harder to qualify for credit and damaging my financial reputation for something that is clearly not being reported correctly.

Under FCRA 623 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Reporting a 90- or 120-day delinquency without a corresponding 30- or 60-day entry directly violates this provision.

Additionally, per the Fair Credit Billing Act ( FCBA ) 15 U.S. Code 1666 and 1666a, I have the right to dispute billing errors and request that no further derogatory action be taken while the dispute is ongoing. I feel like my rights as a consumer are being ignored, and I am left dealing with the consequences of an error I did not create.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: IN

Complaint narrative:
Im writing to formally dispute the inaccurate and inconsistent late payment reporting on the following two XXXX  student loan accounts : Account Number XXXX Account Number XXXX According to my credit report from XXXX, both accounts show a XXXX late payment in XX/XX/year>, followed by XXXX lates in XXXX XXXX and XX/XX/year>. However, there are no XXXX or XXXX lates reported prior to these dates, which makes absolutely no sense. Credit reporting is supposed to follow a sequential pattern : XXXX, then XXXX, then XXXX, then XXXX  days late. Jumping directly to XXXX and 120 days with no prior delinquencies is both inaccurate and misleading. 

To make matters worse, I pulled my credit reports from all three bureaus and noticed that the late payment history isnt even consistent across them. One bureau reports a different sequence or date than the others, adding to the confusion. This inconsistency is incredibly frustrating and has left me unsure of which version lenders are seeing making it harder to qualify for credit and damaging my financial reputation for something that is clearly not being reported correctly.

Under FCRA 623 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Reporting a 90- or 120-day delinquency without a corresponding 30- or 60-day entry directly violates this provision.

Additionally, per the Fair Credit Billing Act ( FCBA ) 15 U.S. Code 1666 and 1666a, I have the right to dispute billing errors and request that no further derogatory action be taken while the dispute is ongoing. I feel like my rights as a consumer are being ignored, and I am left dealing with the consequences of an error I did not create.

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 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: HYUNDAI CAPITAL AMERICA
State: MD

Complaint narrative:
I am filing a complaint regarding an auto loan that resulted in a charge-off, which is inaccurately impacting my credit report. 

I co-signed for a KIA loan in 2021 ( approximate date ), but the auto finance company incorrectly listed me as the primary borrower, even though I have never held a drivers license and have never driven or taken possession of the vehicle. 

I agreed to co-sign in good faith to help the actual vehicle ownerwho had weaker creditbut I was never intended to be the one responsible for making payments or using the vehicle. The dealership reversed our roles in order to secure better financing. 

After the loan defaulted, the account was charged off and is now being reported on my credit file as if I were solely responsible. The charge off amount is {$15000.00}. This is not an accurate reflection of the original intent or the actual usage/responsibility of the loan. 

I have contacted the credit bureaus and am in the process of disputing this item, but I am requesting that the CFPB intervene to ensure this inaccurate and misleading reporting is removed or corrected immediately.

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 2025-08-02 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:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
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 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 2025-08-02 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:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Double payment, company failed to respond to written request, emailed request. It states up to 30 days to complete requests made, took 60 plus days. 

New Rez XXXX XXXX XXXX XXXX, TX XXXX Subject : Late Payment Charge ; Removal of negative credit reporting Subject : XX/XX/XXXX {$27.00} XX/XX/XXXX Late Charge Assess Removal of Negative Credit Reporting Reference : XXXX I called XX/XX/XXXX, regarding late payment charge on account. I was told that this would be immediately removed- if necessary, pull phone conversation. 

The fact that it takes XXXX days to process any written request - I find that unacceptable and unprofessional. 

First, verify that the current late payment charge is reversed and the payment from XXXX is applied towards principal. 

Second all negative reporting regarding late payment, immediately removed from my credit profile. 

I have cc 'd the Federal Trade Commission, to ensure timely transactions/requests are completed. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: DC

Complaint narrative:
I received an alert from my credit monitoring service that a collection account was added to my credit file. I reviewed my credit file and realized that the collection company is pursuing a debt that the court sealed the record and denied the management companies motion to pursue the debt after the management company felt that the stipulated agreement terms were not met. 

This debt should not have been turned over to a collection agency. The collection agency did not provide me notice nor an opportunity to dispute the debt. It is the responsibility of the debt collection agency to locate me at a valid address and provide me with the opportunity to know of the debt and dispute it. This is as simple as doing a skip trace, soft pull on the credit report and other methods. In addition, there was no attempt via telephone or via email to contact me. The collection agency has violated the Fair Credit Act.

The management company entered into a stipulation agreement that required the debt to be sealed and the amount to be forgiven. They feel that the agreement was not met. They then went back to the same court and filed a motion to enter a monetary judgment. The court denied the motion. Making this debt non collectable. 

Furthermore it is the collection agencies responsibility to verify that the debt is a valid debt and that the company they are collecting for is eligible for collect the debt. 

The management company has used deceptive tactics to attempt to collect. They then filed a new suit in a different court without disclosing that they had been denied by the original court to pursue the debt. The management company filed false notice of service that I had been served in the new case. Which is not accurate and is being addressed with the new court. 

I plan to take legal action if this account is not removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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 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 XXXX XXXX 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account contains inaccurate information. I do not recognize this account, and it should be removed. I previously disputed it, but the reporting company failed to provide proper verification or documentation. This violates my rights under the FCRA ( Fair Credit Reporting Act ). I am requesting the removal of this inaccurate item from my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-02 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the accuracy and validity of the student loan account being reported on my credit file by the name of XXXX for the amount of {$3700.00}. The information you have listed is either incorrect, unverifiable, or falsely attributed to me. This account is negatively impacting my creditworthiness, and I demand an immediate removal from all XXXX credit bureaus.

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 2025-08-02 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 disputing the accuracy and validity of the student loan account being reported on my credit file by the name of XXXX for the amount of {$3700.00}. The information you have listed is either incorrect, unverifiable, or falsely attributed to me. This account is negatively impacting my creditworthiness, and I demand an immediate removal from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the accuracy and validity of the student loan account being reported on my credit file by the name of XXXX for the amount of {$3700.00}. The information you have listed is either incorrect, unverifiable, or falsely attributed to me. This account is negatively impacting my creditworthiness, and I demand an immediate removal from all XXXX credit bureaus.

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