vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NH

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 : Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: NV

Complaint narrative:
This complaint is a is against the credit bureaus for reporting inaccurate false information and also the creditor reporting inaccurate inflated false detail I'm ask them to correct figures on several occasions this is defamation of my secure information for the following companies needs to be removed immediately because of inaccurate based on fcra and fair debt reporting act Sentry Credit reporting XXXX erroneous figure XXXX reporting a figure and they compromise the terms of agreement for service will not own up to their responsibility they have no right to take me to collection because of their XXXX XXXX  tactics on broken agreement, XXXX XXXX XXXX no right to report based on false detail mishandled the customer information failed to live up to agreement it's a consumer violation to continue to force false detail on consumer reports and defamation of our secure information I've asked them to remove this immediately they insist on violating consumer rights and not living up to their fiduciary responsibility please serve them with the demand to remove otherwise I will take other legal measures to correct this at {$1000.00} per violation infraction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach Accounts in question : XXXX XXXX XXXX. {$4000.00}

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 2025-08-04 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: NC

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the accounts & hard inquiries below appearing on my Equifax credit report. I am a verified victim of identity theft due to a data breach most notably the XXXX  Equifax Data Breach, and these accounts were fraudulently opened in my name without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT IMMEDIATELY Experian XXXX OF XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX  XXXX XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XXXX BANK XXXX XX/XX/XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting Experian to please remove the following Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Fl XXXX please remove the following fraudulent inquiries : XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> 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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I own a legitimate XXXX XXXX PayPal sent me advertisements to open a business account. I provided them with proof of address, ss number, XXXX XXXX  state id front and back and a selfie. They allowed me to send an invoice to a customer for a little over XXXX and immediately after the customer paid it, they locked my account for review. Now the account is closed. I have between XXXX in my business PayPal. Ive sent them documentation that the customer Isint trying to dispute the charge. But they still want to hold my money for XXXX days until XX/XX/XXXXXXXX XXXX XXXX. They wont give me a reason my account was closed, and I work job to job and have lost out on other jobs from cash flow issues & not paid bills due to not being able to access the funds I rightfully earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC due to their failure to remove fraudulent student loan accounts from my credit report, despite receiving a complete and well-documented dispute package in accordance with the Fair Credit Reporting Act ( FCRA ). On XXXX XXXX, I sent Equifax a comprehensive dispute packet via XXXX, which included : XXXX forms of identification, XXXX formal dispute letters, proof of validation of Debt request sent to XXXX and the XXXX Department of Education on XX/XX/year>, which remains unanswered, and a Notice to Comply with FCRA and FDCPA obligations. Equifax recently responded by requesting a XXXX  of Identity Theft/Victim Determination, along with identification and identification of the adverse information. I intend to fulfill this request in full, and as of now, I am preparing to send the requested documents via XXXX Mail with Return Receipt ( green card ) on XX/XX/year>. While I appreciate the opportunity to provide additional verification, I have observed a repeated pattern of delayed compliance among XXXX of the major bureaus- Experian and TransUnion XXXX- in response to fully documented identity theft disputes. Each has responded with similar requests for Self-Attestation and identification after receiving detailed, properly mailed dispute packages of what was asked for. Despite this they have sent another self-attestation letter requesting the same information. I am seeing the same pattern with Equifax, who has responded to my XX/XX/year>, dispute requesting the same documentation already provided to the other bureaus. I am a survivor of identity misuse and did not authorize or sign for any student loan accounts currently being reported. These fraudulent entries are causing ongoing financial and emotional harm. In good faith I will submit Equifax 's requested materials, including a notarized Self-Attestation, Affidavit of XXXX XXXX XXXX Statement, and updated ID verification, trusting that Equifax will XXXX promptly and in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MS

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX is inaccurately showing on my credit report I was never given the opportunity to verify the debt even being mines and also they violated the FCRA by reporting dates that are falsely dated

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I Assumed an XXXX XXXX for Approximately XXXX approximately XX/XX/year> It has since been paid down to Approximately XXXX. I have not been over XXXX days late at any time during the past XXXX years. I need them to report at least the past XXXX months to me and all three credit bureaus. .Their omission is adversely affecting my credit scores because it looks like I don't own any real estate and therefore don't have any equity. 

In addition they have misapplied additional money intended to cure negative escrow balances due to increases in homeowners insurance and applied to future mortgage payments. The have since corrected that, however all the debits and credits created by this would be confusing to anyone. 

In addition, because my homeowners insurance company waived wind and hail coverage first with XXXX.and now with XXXX XXXX, Wells Fargo has required this coverage and paid for lenders placed wind and hail. At nearly XXXX times my homeowners premium with XXXX XXXX causing my escrow to raise my payment from {$360.00}. to $ XXXX. With no prior notice and back dating policy effective date nearly XXXX months. 

They did agree to finance the {$3100.00} lenders placed premium plus projected renewal premium over XXXX mo. which lowered payment to {$740.00} mo, which is still double what it has been. My principal and interest portion is only {$250.00} mo.! 
.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am disputing inaccurate credit reporting by XXXX XXXX XXXX XXXX a credit card account ending in XXXX. This account was paid in full as part of a mortgage refinance handled by XXXX XXXX XXXX XXXX on XX/XX/year>. XXXX checks totaling {$5200.00} were issued by the title company to XXXX XXXX and both were cashed on XX/XX/year>. Despite this, the creditor failed to apply the funds to the correct account and has continued to report the account as past due. 

This error has caused significant harm to my credit score ( a drop of over XXXX points ), and as a result, other creditors have closed accounts and lowered limits. I have provided XXXX XXXX with proof of payment, including the title company 's disbursement letter and copies of the cashed checks. The creditor acknowledged receipt of my dispute and began an internal investigation, but no correction has been made as of the date of this complaint. 

I am requesting that XXXX XXXX immediately update their internal records, reverse any late fees or interest charges since XX/XX/year>, and correct their reporting to the credit bureaus by removing any late payment notations and accurately marking the account as paid in full. 

I have also submitted formal disputes to all three credit bureaus and sent a correction request directly to the creditor. Supporting documents are available and can be uploaded upon request.

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 monetary relief
Consumer complaint received 2025-08-05 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:
I am writing this dispute against experience, transition and Equifax information reported on my credit report. concerning XXXX XXXX  loan, account number XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1991, all information reported must be accurate, complete. 
Details of the Disputed Account Account Number : XXXXXXXX XXXX  Creditor : XXXX XXXX Reported Status : Collection/Chargeoff, Unpaid Ballance Last Payment Date : XXXX/XXXX/XXXX Balance Owed : {$0.00} Dispute My records, along with documentation of my recent payment made on XX/XX/XXXX, indicate that this account has been paid in full. However, the current credit report reflects that the account is still unpaid or has a collection/chargeoff status. Under the FCRA, I request that this account be updated to correctly reflect the paid status with a balance of XXXX. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that your agency investigate this matter within 15 days of receipt of this leter. I request it be updated refiect. the correct status as " Paid '' and " Closed. '' FCRA, credit reporting agencies and furishers are required to report accurate, complete, and verified information ( 15 U.S.C. 1681e ( b ) ). Consumers have the right to dispute any inaccurate or incomplete information and request its correction or deletion ( 15 U.S.C. 15811 ).

Furthermore, 15 U.S.C. 1681s-2 requires fumishers of credit information to update or correct the data they provide to credit bureaus upon notification of inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
I am writing this dispute against experience, transition and Equifax information reported on my credit report. concerning XXXX XXXX  loan, account number XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1991, all information reported must be accurate, complete. 
Details of the Disputed Account Account Number : XXXXXXXX XXXX  Creditor : XXXX XXXX Reported Status : Collection/Chargeoff, Unpaid Ballance Last Payment Date : XXXX/XXXX/XXXX Balance Owed : {$0.00} Dispute My records, along with documentation of my recent payment made on XX/XX/XXXX, indicate that this account has been paid in full. However, the current credit report reflects that the account is still unpaid or has a collection/chargeoff status. Under the FCRA, I request that this account be updated to correctly reflect the paid status with a balance of XXXX. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that your agency investigate this matter within 15 days of receipt of this leter. I request it be updated refiect. the correct status as " Paid '' and " Closed. '' FCRA, credit reporting agencies and furishers are required to report accurate, complete, and verified information ( 15 U.S.C. 1681e ( b ) ). Consumers have the right to dispute any inaccurate or incomplete information and request its correction or deletion ( 15 U.S.C. 15811 ).

Furthermore, 15 U.S.C. 1681s-2 requires fumishers of credit information to update or correct the data they provide to credit bureaus upon notification of inaccuracies.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On * * XX/XX/XXXX * *, I made a * * lump-sum payment of \ {$2600.00} * * on my XXXX  loan ( XXXX XXXXXXXX ) using their * * Pay Outstanding Balance * * option, with the intent to close the account in full. 

I had a * * perfect four-year credit history * * with no late payments prior to this, and had always paid my monthly installment of * * \ {$220.00} * * on time. 

Because I selected Pay Outstanding Balance and made such a large payment, I reasonably believed the loan was fully satisfied. I then traveled internationally in XX/XX/XXXX and did not access my XXXX account until XX/XX/XXXX. 

On * * XX/XX/XXXX * *, I logged in and discovered that a * * \ {$9.00} balance * * had remained. I paid it immediately. On * * XX/XX/XXXX * *, an additional adjustment fee of \ {$18.00} was applied, which I also paid in full. My account has since been at a \ {$0.00} balance. 

Despite the fact that : * I paid over * * 99 % of the loan * * in one lump sum before the due date, * The remaining \ {$9.00} was clearly the result of a misunderstanding in the platforms Outstanding Balance function, * I paid that balance immediately upon discovering it, and * I paid the later adjustment fee in full, XXXX  still reported the account as * * 30+ days late * * for the XX/XX/XXXX due date. 

This single late mark has * * lowered my credit score by over XXXX points * * and will remain for 7 years a * * disproportionate penalty * * for a balance of less than \ {$10.00} that I did not knowingly leave unpaid. 

-- - * * Why I am filing this complaint : * * I contacted XXXX in writing and requested a * * goodwill adjustment * *, explaining my perfect payment history, the misunderstanding caused by their payment interface, and the disproportionality of the credit impact compared to the size and nature of the balance. 

XXXX  response ignored these points entirely. Instead, they sent a repeated statement that they had an obligation to report accurate information. I have never disputed the accuracy of the dates or amounts reported. My request was based on * * good faith, context, and fairness * * which they failed to review or address. 

I believe XXXX  investigation into my request was inadequate because it : * Did not address the documented facts and payment history I provided. 
* Ignored the role their own platforms Outstanding Balance function played in creating the misunderstanding. 
* Failed to consider the disproportionality of the penalty relative to the consumer harm and intent. 

I am requesting the CFPBs assistance in having this late mark * * removed or updated * * to reflect the true context : that the account was paid in full in good faith, with the remaining small balance resolved immediately upon discovery, and that this incident does not reflect my creditworthiness or willingness to pay.

Company response to consumer: Closed with explanation