vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account XXXX : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: Self Financial Inc.
State: MN

Complaint narrative:
All the inquires on my credit reporting account I do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Issue Summary : TransUnion and Experian is reporting a XXXX XXXX collection account that has been illegally re-aged in violation of the Fair Credit Reporting Act ( FCRA ). 

The debt allegedly originated in XXXX, but TransUnion and Experian is reporting it as if it became delinquent in XXXX, extending the reporting period unlawfully. 

XXXX has already confirmed the charges were removed in XX/XX/XXXX and reconfirmed in writing in XX/XX/XXXX that my balance was {$0.00}. 

Despite this, TransUnion and Experian is still showing the account with a removal date of XX/XX/XXXX, which is 6 years past the legal reporting limit. 

FCRA Violations FCRA XXXX ( a ) : Negative accounts can not remain on file beyond 7 years from the date of first delinquency ( DOFD ). 

FCRA XXXX ( a ) ( XXXX ) : Furnishers must report the accurate DOFD. 

FCRA XXXX : TransUnion and Experian must conduct a reasonable investigation and delete unverifiable or inaccurate accounts. 

XXXX & Evidence : XX/XX/XXXX Received collection notice from XXXX XXXX for {$150.00} ( alleged XXXX early termination fee ). ( Exhibit A ) XX/XX/XXXX XXXX supervisor credited the full balance ; balance = {$0.00}. ( Exhibit B confirmation ) XX/XX/XXXX XXXX reconfirmed in writing that the {$140.00} early termination fee was credited in XXXX. ( Exhibit B ) XX/XX/XXXX TransUnion and Experian credit report shows the account still listed as a collection, closed XX/XX/XXXX, with a removal date of XXXX/XXXX. ( Exhibit C ) This is clear illegal re-aging to keep a negative item on my credit file past its lawful expiration. 

XXXX XXXX : My XXXX XXXX is being damaged by an account that should have been deleted no later than XX/XX/XXXX. 

This inaccurate reporting is affecting my access to credit, housing, and fair financial opportunities. 

Requested Resolution : Immediate permanent deletion of the XXXX XXXX account from my TransUnion and Experian file. 

Written confirmation of the deletion. 

Notification to any recent credit file users that the account was reported inaccurately. 

Attached Exhibits : Exhibit A : XX/XX/XXXX XXXX XXXX collection letter ( {$150.00} alleged balance ) Exhibit B : XX/XX/XXXX XXXX XXXX written confirmation ( balance {$0.00}, charges removed in XXXX ) Exhibit C : XX/XX/XXXX TransUnion credit report snapshot ( account falsely re-aged, showing removal date of 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 2025-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Billing Error Re : Your account is past due and you have an upcoming payment. 

This is a billing error, payment for XXXX was transferred and delivered via mail and via CFPB complaint number XXXX. Payment Method : Money order number XXXX in the amount of {$510.00} dated XXXX. 

The account balance is now {$490.00}....... 



From : BRIDGECREST To : XXXX XXXX XXXX Your account is past due and you have an upcoming payment XXXX, This is a reminder that you have a past due balance of $ XXXX you also have an upcoming payment of $ XXXX XXXX. 



Total amount due on XXXX : {$1000.00} Account XXXX Note : Your total amount due includes any outstanding past due balance in addition to your next payment. This amount may include past due amounts, interest charges, payments due today, payments reversed today or fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing the negative accounts and derogatory information currently appearing on my credit report under my name. These accounts are the direct result of identity theft stemming from a data breach in which my personal information was unlawfully exposed.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are legally obligated to conduct a thorough reinvestigation of all disputed information. Any item that can not be verified as accurate must be deleted immediately. The continued reporting of fraudulent accounts is a violation of federal law.

Furthermore, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), it is unlawful for any creditor or collector to attempt to collect or report a debt that is not valid or that resulted from identity theft.

As a Florida resident, I am also protected under the Florida Information Protection Act ( Fla. Stat. 501.171 ) and the Florida Deceptive and Unfair Trade Practices Act ( Fla. Stat. 501.201-213 ). The exposure of my personal information through a data breach constitutes a clear violation of your duty to safeguard my data, and the continued reporting of fraudulent accounts is an unfair and deceptive act.

I demand the following : Immediate deletion of all fraudulent and negative accounts resulting from the data breach.

Written confirmation that these accounts have been removed from my credit file.

A copy of the results of your reinvestigation, as required by the FCRA.

Prevention of any further reporting of these fraudulent accounts.

Be advised that I am keeping records of all correspondence. If you fail to comply within 4 days of receipt of this letter, I will escalate by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX XXXXXXXX XXXX, and I will pursue legal remedies available under FCRA, FDCPA, and Florida law. 

This is your final opportunity to correct the harm caused. I expect written confirmation of deletion within the stated timeframe. 

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 non-monetary relief
Consumer complaint received 2025-09-11 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:
In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXX XXXX XXXX with the balance of {$6200.00} reporting on XX/XX/year> has violated my rights. 

You violated the United States Code Law ( TILA 12 U.S. Code 166 ( b ) charge error ).

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose. 

The XXXX XXXX  account with the balance of {$6200.00} reporting on XX/XX/year> SHOULD NOT BE REPORTING NO LATE PAYMENTS WHAT SO EVER. PLEASE REMOVE/DELETE ALL LATE PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
In accordance with the FCRA ( Fair Credit Reporting Act ) XXXX XXXX XXXX XXXX with the balance of {$6200.00} reporting on XX/XX/year> has violated my rights. 

You violated the United States Code Law ( TILA 12 U.S. Code 166 ( b ) charge error ).

Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error.

( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.

( 5 ) A computation error or other similar accounting error on a creditor 's statement.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer account as late for any purpose. 

The XXXX XXXX  account with the balance of {$6200.00} reporting on XX/XX/year> SHOULD NOT BE REPORTING NO LATE PAYMENTS WHAT SO EVER. PLEASE REMOVE/DELETE ALL LATE PAYMENTS.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in regard to the alleged debt you claim is owed to XXXX XXXX and that you are currently reporting and/or attempting to collect. 

Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am hereby demanding that you immediately cease all communication with me regarding this alleged debt. This includes, but is not limited to : Phone calls to my residence, workplace, or mobile phone Text messages, emails, and voicemails Contacting my family, friends, neighbors, or employer You are further reminded that : Contacting me outside of the hours of 8:00 AM to 9:00 PM ( local time ) violates 15 U.S.C. 1692c ( a ) ( 1 ).

Contacting me at my place of employment violates 15 U.S.C. 1692c ( a ) ( 3 ) when you know, or should know, that my employer prohibits such communications.

Communicating with any third party about this alleged debt violates 15 U.S.C. 1692c ( b ).

If you believe you have the right to pursue this matter further, you may only contact me in writing and only to inform me of one of the following : That you are ceasing all collection efforts ; or That you intend to pursue specific legal remedies.

Be advised that any further violation of my rights under the FDCPA will be documented and used as evidence in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and in any legal action I may pursue against your company for statutory damages, actual damages, attorneys fees, and costs. 

You are expected to comply fully with this demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Someone used my name for a car loan and it is hurting my credit tremendously. I need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account XXXX XXXX XXXX * XXXX * *, Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$520.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
My mortgage is in escrow. My taxes came due I sent the tax bill to Mr. Copper like every year before and they pay it out of my escrow. This year they say they have paid it and sent me confirmation that I asked for, but the tax department in XXXX XXXX where I live does not have the capability of receiving wire transfers. That is the way Mr. Copper has paid my taxes this year. I have contacted them on two different occasions and they said they will look into it. I have had no results or response from them since.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
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 whom the report relates to 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 general after any reinvestigation under ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) 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 ( 2 ) 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 1681 s-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. 


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 whom the report relates to 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 general after any reinvestigation under ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) 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 ( 2 ) 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 1681 s-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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-11 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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