vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: CT

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Please remove these following inquiries, it's been already 15 days! 

Experian ( EX ) : Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year> TransUnion ( TU ) : Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is a formal complaint regarding an unresolved dispute I submitted over 35 days ago. I am acting on my own behalf as a natural person and consumernot through any third party. I am requesting the CFPBs intervention due to a failure to properly investigate and resolve a billing error dispute and continued inaccurate reporting on my credit file.

I am asserting my rights under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

The issue concerns inaccurate late payment reporting related to : Disputed Account Late Payment ( Open ) Creditor : XXXX XXXX XXXX Co Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute This account reflects late payments that are inaccurate based on the following violations under 15 U.S. Code 1666 ( b ) Billing Error : The creditor failed to properly reflect a payment or credit ; There may be calculation or accounting errors ; I did not receive a billing statement at least 21 days before the payment due date, as required by law.

Despite my previous dispute, I have not received any supporting documentation proving that these late payments are valid. Under the law, if such documentation can not be provided, the inaccurate payment history must be corrected or removed.

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 2025-06-17 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have disputed late payment entries reported by Barclays on my credit card account ending in XXXX on three separate occasions. Each time, Barclays has responded with a vague statement that the reporting is accurate and verified, yet has never provided any documentation to prove the validity of the alleged late payments. 

Most recently, on XX/XX/2025, I received another letter from Barclays again claiming accuracy, and stating they would only add a dispute remark to my credit file. This completely fails to resolve the issue. Simply stating that something is accurate without any supporting documentation is not verification, especially under 15 U.S. Code 1681s-2 ( b ) and 1681i.

Barclays continues to report negative payment history to XXXX XXXX XXXX XXXX yet they have not demonstrated compliance with 15 U.S. Code 1666b, which requires them to prove they delivered the billing statement at least 21 days before the payment due date.

I am requesting that the CFPB investigate Barclays for failing to properly verify and for reporting potentially false and harmful information. I am requesting that all late payments on this account be removed from my credit reports.

I have attached a formal final demand letter sent to Barclays.

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 2025-06-17 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: EQUIFAX, INC.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have been writing letters to the Consumer Financial Protection Bureau ( CFPB ) and Barclays Bank, but I have not yet received any responses to my requests. I have been requesting specific actions for over six months, and I am concerned that my rights are not being protected. I have been disputing this issue with Barclays Bank and other entities for an extended period. As a veteran, I believe that I should be afforded some respect and consideration in this matter. I am now receiving calls and letter from a collection agency on behalf of Barclays Bank, and I demand that you take immediate action to address this situation.

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 2025-06-17 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: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be remoXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
My loan was transferred fro XXXX Mortgage to Rocket Mortgage in XXXX. The loan covers two parcels which is clearly stated on the loan papers and the mortgage statement and has an impound escrow account to cover home insurance and taxes for both parcels. At the time of the transfer, XXXX did not pay my insurance nor my taxes. XXXX continues to not pay taxes on one of the parcels. I have notified XXXX XXXX times since XXXX, XXXX. They have still not resolved the problem. The taxes have now incurred a penalty and if not payed by the end of XX/XX/XXXX, further penalties will be incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: PA

Complaint narrative:
I received a letter dated XX/XX/year>, from Collection Bureau Hudson Valley ( CBHV ) regarding an alleged debt for {$280.00} from a company called XXXX. I do not recognize this debt. 

As of now, CBHV has failed to provide the required documentation to validate the debt under the Fair Debt Collection Practices Act ( 15 USC 1692g ). Specifically, they have not provided : A signed agreement or contract bearing my signature, A detailed breakdown of the amount allegedly owed, Proof they are authorized to collect on this account, and The chain of assignment if the debt was sold or transferred. 


I am requesting the CFPBs assistance in ensuring this debt is either fully validated with appropriate documentation or removed entirely from my credit report and all collection efforts cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NJ

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX  for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} million for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} million fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items. 
2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: AR

Complaint narrative:
Acct XXXX reported by XXXX XXXX XXXX appearing on my credit report a balance of {$4400.00}. 
I do not recognize this debt and have not received any prior notice or validation of the debt as required under the FDCPA, Section 809. According to the documentation I have reviewed, this account was opened on XX/XX/XXXX, and is now listed as past due as of XX/XX/XXXX, I have no recollection of entering into any agreement or receiving a bill associated with this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion

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 2025-06-17 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: OH

Complaint narrative:
I am filing this complaint regarding multiple inaccurate or unverifiable items listed on my credit report. As a consumer acting on my own behalf, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request specific information regarding the reinvestigation procedures used in response to a previous dispute I submitted.

Under 15 U.S.C. 1681i ( 7 ), I have the right to receive a detailed explanation of the method of verification your agency used during the reinvestigation process. This includes, but is not limited to : A description of the reinvestigation procedure ; The name, address, and phone number of any furnisher of information that was contacted ; The specific documents used to verify each disputed item.

Disputed Accounts and Personal Information Bankruptcy XXXX XXXX XXXX ) Case Name : BankruptcyXXXX Case Number : XXXX Charge-Offs XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information : Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX/XXXX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-17 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: NJ

Complaint narrative:
I am submitting this formal complaint regarding the continued violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I am a documented victim of identity theft and have provided all three major credit bureaus with a valid Identity Theft Report, including an FTC report ( No. XXXX ), which was signed under penalty of perjury. This report includes multiple fraudulent accounts that were opened without my knowledge or consent, including two with XXXX XXXX XXXX 

After reviewing my documentation, XXXX acted in accordance with FCRA 605B ( 15 U.S.C. 1681c2 ) and removed one of the disputed XXXX XXXX XXXX accounts from my credit report. However, TransUnion have failed to take the same corrective action and are continuing to report this fraudulent account, along with others clearly identified in my Identity Theft Report. 

Under FCRA 605B, credit reporting agencies are required to block fraudulent information within four business days of receiving a valid Identity Theft Report unless they have substantial proof that the account is not fraudulent. Neither TransUnion has provided me with such evidence. Furthermore, I have formally requested the " method of verification '' under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), yet I have received no documentation, such as signed applications, IP addresses linking me to these disputed accounts.

The ongoing reporting of these fraudulent items is materially harming my credit and affecting my ability to obtain necessary financing during my recovery to a year long health battle. If XXXX  continues to report these accounts and fails to fully comply with the FCRA, I will be forced to seek legal recourse under 15 U.S.C. 1681n and 1681o, including damages, attorney fees, and injunctive relief.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure Please remove these following inquiries from my credit report, they are fraudulent and unauthorized. It has been more than 15 days already and they are still reporting! 

Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure Please remove these following inquiries from my credit report, they are fraudulent and unauthorized. It has been more than 15 days already and they are still reporting! 

Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX  XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hello, I've been enrolled in the SAVE forbearance plan since last XX/XX/XXXX pending the court disputes. My servicer is XXXX. Up until this month, no interest has been accruing nor are payments due. However, starting today ( XX/XX/XXXX ) my credit report from Experian showed an increase in the loan balance by {$280.00}. I immediately logged into my XXXX account and my account summary still shows an interest forbearance rate of 0 %. I also filed a dispute with Experian and uploaded a copy of my account summary. I also sent an email XX/XX/XXXX via the XXXX XXXX asking that this be corrected. 

Any support or assistance you have will be greatly appreciated. 

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