vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number * * UPDATE THIS * * *. Please block and remove all information from my credit report, and send me an updated copy of my credit report.

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : 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 2025-07-17 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
MLC is calling me but they have been blocking their number so it says that they are calling from a " private number '' they've called me with out private number before so im unsure if it just certain employees doing this. 
I have lined up the " blocked number '' missed calls with voicemails and have figured out it is Mountain land collections calling

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 writing to dispute inaccurate personal information that appears on my credit report. Upon reviewing my report, I noticed that some of the personal details listed are incorrect, and I am requesting that these be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX 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 2025-07-17 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-17 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-17 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: NC

Complaint narrative:
Dear CFPB Complaint Processing Office, I am filing a complaint against Equifax Information Services, LLC for violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX standards, and potentially the Fair Debt Collection Practices Act ( FDCPA ). A review of my Equifax credit file dated XX/XX/XXXX reveals several serious errors that have not been properly addressed through their internal dispute system. 

Summary of Violations : 1. FCRA Violations Per 607 ( b ), Equifax is reporting : Duplicate accounts : XXXX XXXX and Missouri Higher Education show as multiple identical or conflicting entries. 
Inaccurate delinquency reporting : XXXX XXXX XXXX displays 120+ day late marks post-closure. 
Outdated information : XXXX XXXX XXXX  account includes XXXX delinquencies, likely exceeding the 7-year FCRA limit XXXX 
2. XXXX XXXX Format Issues Several accounts contain : Inconsistent statuses or payment histories ( e.g., XXXX XXXX has both OK status and charge-offs ). 
Improper use of account classification codes ( XXXX XXXX Exchange marked as a collection with no third-party identified ).

3. FDCPA Concerns Accounts such as XXXX XXXX and XXXX XXXX report as charged-off or in collection, but no third-party collector is listed, potentially concealing the actual owner of the debt and violating 809 ( b ) s validation requirements.

These issues are damaging my credit and obstructing my ability to access housing, employment, and financial services. I respectfully request : That CFPB investigate Equifaxs reporting practices on my account. 
That Equifax be required to correct, remove, or validate the disputed items. 
That Equifax be held accountable for failing to maintain accuracy as required under federal law. 

Attached are excerpts and highlights from my Equifax report supporting this complaint. I am prepared to provide further evidence upon request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX DOB : XX/XX/XXXX SSN : * -- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: LA

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 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 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
The company is charging me for homeowners insurance. I paid my homeowners insurance separately. 
Also the loan they are collecting on is not the correct loan document.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I signed a contract for an adjustable rate mortgage, pick-a-payment loan with Bi weekly payment provision with XXXX XXXXXXXX XXXX XXXX XXXX XXXX acquired XXXX XXXX in XX/XX/XXXX to XXXX at which time Wells Fargo acquired XXXX. I chose to pay the lesser of the two amounts that were offered to me as of XXXX to XX/XX/XXXX. The XX/XX/XXXX automatic withdrawal from my bank was for {$3700.00}, @ {$1000.00} more than my last payment. So I contacted Wells Fargo on XX/XX/XXXX to get an explanation as to why my payment increased. I was told someone would get back to me within two weeks... NEVER happened. On XX/XX/XXXX I called Wells Fargo again and I was told someone will get back to me within XXXX hours ... NEVER happened. I called Wells Fargo on XX/XX/XXXX, I spoke to XXXX XXXX, XXXX Office Case Specialist she told me she would respond by XX/XX/XXXX. I Received a letter from XXXX dated XX/XX/XXXX stating they expect to complete their work by XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX stating they need more time to complete their review. They expected to complete their work by XX/XX/XXXX. On XX/XX/XXXX XXXX called me to tell me that they lowered my payment to {$2700.00}. She told me I would have to call the customer service department to change the amount of the automatic payment. On XX/XX/XXXX, I was hung up on twice and the third person said they couldn't make the change. On XX/XX/XXXX I called to make the change to the automatic payment, I was told it couldn't be done. I asked to speak to a supervisor, she said its Saturday that department is closed call back on Monday. I called back on XX/XX/XXXX to be told they can't change the automatic pay. 
Option 1 ( Minimum Payment ) {$1100.00} principal x2 payments per month {$2300.00} x12 Months {$28000.00} Principle Payments per Year x10 Years Remaining on the Mortgage {$280000.00} {$250000.00} Balance of Mortgage ( as of XX/XX/XXXX the balance is {$240000.00} ) At this principle payment I'll pay off the mortgage within @ 10 years, the remaining outstanding years Option 2 {$2100.00} x2 Payments per Month {$4300.00} x12 Months {$51000.00} Principle Payments per Year x10 Years Remaining on the Mortgage {$510000.00} At this principle payment I'll pay off the mortgage in @ 5 years, I have @ 10 years remaining on my mortgage. Wells Fargo thinks it's ok that I pay them @ {$52000.00} in principle on a @ {$250000.00} mortgage in one year, I don't.

Thank you PS I haven't been late on a mortgage payment since 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 2025-07-17 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: MA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-07-17 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Being charged for a {$1900.00} bill from a company in KY. Not my account.

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 2025-07-17 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below 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 USDEPTOFED 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
This complaint serves as my fifth formal notice regarding the unresolved and ongoing failure to correct inaccurate and/or unverifiable personal information appearing in my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ). 
Despite multiple disputes previously submitted, you have failed to investigate and correct or delete the inaccurate information as required by law. Under 1681i, you are obligated to conduct a reasonable reinvestigation and provide timely written results. Additionally, under 1681e ( b ), you must maintain reasonable procedures to ensure maximum possible accuracy of the information you report. 

This ongoing failure constitutes willful noncompliance, and if not resolved immediately, I reserve the right to pursue legal action, including but not limited to complaints with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and possible civil litigation under FCRA provisions, which include statutory damages, actual damages, attorneys fees, and punitive damages. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AZ

Complaint narrative:
Cash app closed account had account since 2017 no explanation besides terms of services no exact reason when I fo apply with another card using my social I can not open account and need to know what caused for my account to have been forcibly closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT 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 XXXX

Company response to consumer: Closed with explanation