vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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:
DISPUTING REGIONS BANK FOR OVER 8 MONTHS. THIS BANK MADE A BANKING ERROR, SAYING I WAS LATE. I SENT DOCUMENTATION TO PROVE OTHERWISE. EXPERIAN HAS BEEN RUNNING SHAM INVESTIGATIONS AND NOT REMOVING BOGUS INFORMATION ON CONSUMER REPORTS.. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. I WANT REGIONS BANK TO READ, ... CURRENT NO LATE, TRANSUNION HAS ALREADY UPDATED MY CREDIT REPORT AND REMOVED THE LATE, EXPERIAN IS SUPPOSED TO DO THE SAME, IF EXPERIAN DOES NOT, I WILL CONTACT THE STATE 'S ATTORNEY 'S OFFICE AND FILE CHARGES ACCORDINGLY.CFPB SUED EXPERIAN FOR XXXX XXXX DOLLARS FOR SHAM INVESTIGATIONS AND NOT UPDATING CONSUMERS ' REPORTS AFTER RECEIVING DOCUMENTS THAT PROVE THEIR CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Phone : XXXX Email : XXXX XX/XX/year> Equifax Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Cease and Desist Unauthorized Sharing of My Personal Information This letter serves as formal notice that I do not authorize the disclosure, sharing, or dissemination of my personal information without my express written consent. Under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), a consumer reporting agency may only furnish a consumer report under limited, permissible purposes as defined by federal law. Any sharing of my consumer report or personal data outside these permissible purposes, and without my written consent, constitutes a direct violation of federal law. Additionally, the Right to Financial Privacy Act ( 12 U.S.C. 3401 et seq. ) reinforces that personal and financial information can not be disclosed to third parties without consumer authorization, court order, or other narrowly defined exceptions. Therefore, you are hereby instructed to : 1. Cease and desist from sharing, disclosing, or distributing my personal or financial information to any third party without my prior, written consent. 2. Provide written confirmation within 30 days that my
information will not be disclosed outside of the permissible purposes outlined in 15 U.S.C. 1681b.

3. Document and disclose all entities with whom you have shared my information in the past 24 months.

Failure to comply will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, and I will pursue all remedies available under law, including statutory damages, attorneys fees, and injunctive relief. This letter places you on legal notice. I expect full compliance and written confirmation within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report in relation to a loan I obtained from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, in the original amount of {$26000.00}. 

The loan is currently being reported as having no payments made and showing multiple late payments, which is not accurate. I have consistently made payments on this account and have had possession of the financed vehicle since XXXX. Additionally, the vehicle was voluntarily returned in XX/XX/XXXX, and the case is currently in litigation, where I continue to make payments toward resolving the outstanding balance. 

This reporting is misleading and does not reflect the actual payment activity or the current status of the account. I request that the credit reporting of this loan be reviewed, corrected, or removed immediately due to the inaccurate information being reported regarding both payment history and balance. My taxes for XXXX were garnished to go towards this balance of this loan. 

Please provide proof of verification, including : A full payment history for this account An explanation of the reporting error Documentation supporting the accuracy of the information reported In accordance with the Fair Credit Reporting Act ( FCRA ), I request that this matter be investigated and resolved promptly. I would appreciate written confirmation of your findings and any actions taken. 

Thank you for your attention to this matter. 

I have also listed a few other disputes along with proof I would like removed as well

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 2025-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Trusted Mortgage Capital Inc
State: OR

Complaint narrative:
I was in the process of refinancing my house and after signing the paperwork & upon further review of the costs ( origination fees, commissions, closing costs etc. ), I made the decision to not go forward with the refinance and exercised my " Right to Cancel '' by the deadline which was XX/XX/XXXX XXXX. I signed the Notice of Right to Cancel on XX/XX/XXXX, and sent it to Trusted Mortgage overnight via XXXX on XX/XX/XXXX. XXXX has record of Trusted Mortgage XXXX XXXX receiving on XX/XX/XXXX XXXX signed by a person named " XXXX XXXX, Additionally, on XX/XX/XXXX, I called Trusted Mortgage and left a message stating that I was exercising my Right to Cancel and was exercising my Right to Cancel and was overnighting the documentation to them to arrive the next morning, XX/XX/XXXX, which was before the deadline. The message at Trusted Mortgage stated that " this call is being recorded '' so, they also have a record of my phone call/message on file. 

On XX/XX/XXXX, shortly after XXXX Trusted Mortgage started calling me and stated that I can't rescind this loan, it's already been funded, and we've already paid off your creditors. I told the that I didn't ok the loan and sent them the Right to Cancel documents. Trusted Mortgage responded by saying that they did not receive the paperwork. I informed them that XXXX has record of them receiving and signing for the document. I also informed them that the paperwork clearly states that I had until midnight XX/XX/XXXX to exercise my right to cancel. After telling me that they already funded my loan early, i did some research and found that trusted Mortgage did not in fact fund my loan on XX/XX/XXXX, after telling me repeatedly that it was alredy funded and the creditors were already paid off. They further stated that " the money is already in your bank account XXXX XXXX I told them that the bank has no record of the funds being deposited in my account. They responded with " Oh, really? '' on XX/XX/XXXX approx XXXX when I got home from work, on my front doorstep was a XXXX package containing checks to pay off my creditors! So, why did Trusted Mortgage insist the day before that they had already paid off my creditors, thus revealing they had told me another non-truth! Also, I stated to Trusted Mortgage repeatedly that I still had not received any documents/paperwork from Trusted Mortgage pertaining to the loan.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
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 2025-08-16 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: IN

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 2025-08-16 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: NC

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 XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX, XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NJ

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 2025-08-16 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:
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 2025-08-16 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: TX

Complaint narrative:
CFPB Complaint Draft ( Ready to Submit ) XXXX XXXX TransUnion, Experian, and Equifax I am filing a complaint against the XXXX nationwide credit reporting agencies TransUnion, Experian, and Equifax for failing to maintain accurate and consistent credit reporting, in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) maximum possible accuracy requirement.

15 U.S.C. 1681i ( FCRA 611 ) reinvestigation and correction of disputed information. 

These errors are harming my creditworthiness and ability to obtain housing and credit. 



Discrepancies and Inaccuracies XXXX. XXXX XXXX XXXX XXXX XXXX  Account # : XXXX * * * * Reported inconsistently across bureaus ( balances, dates, and status do not match ). 
XXXX. XXXX Account # : not fully displayed in my report Reported differently across TransUnion, Experian, and Equifax. 
XXXX. XXXX XXXX ( Eviction / Rental XXXX ) Account # : not displayed in all bureaus Reported inconsistently or missing between bureaus. 
XXXX. XXXX Account Account # : XXXX * * * * Appears in Experian but is completely missing from TransUnion and Equifax. 
XXXX. XXXX XXXX XXXX ( Original Creditor : RELIANT ENERGY ONLINE INFORMATION SERVICES ) Account # : [ as shown in my report ] Balance and status are reported inconsistently across bureaus. 
XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : [ as shown in my report ] Incomplete and mismatched reporting between bureaus. 



Summary of XXXX Totals Mismatches Total Accounts : TU = XXXX, EXP = XXXX, EQF = XXXX Equifax is missing XXXX accounts. 
Open Accounts : TU = XXXX, EXP = XXXX, EQF = XXXX Experian underreporting open accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
CFPB Complaint Draft ( Ready to Submit ) XXXX XXXX TransUnion, Experian, and Equifax I am filing a complaint against the XXXX nationwide credit reporting agencies TransUnion, Experian, and Equifax for failing to maintain accurate and consistent credit reporting, in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) maximum possible accuracy requirement.

15 U.S.C. 1681i ( FCRA 611 ) reinvestigation and correction of disputed information. 

These errors are harming my creditworthiness and ability to obtain housing and credit. 



Discrepancies and Inaccuracies XXXX. XXXX XXXX XXXX XXXX XXXX  Account # : XXXX * * * * Reported inconsistently across bureaus ( balances, dates, and status do not match ). 
XXXX. XXXX Account # : not fully displayed in my report Reported differently across TransUnion, Experian, and Equifax. 
XXXX. XXXX XXXX ( Eviction / Rental XXXX ) Account # : not displayed in all bureaus Reported inconsistently or missing between bureaus. 
XXXX. XXXX Account Account # : XXXX * * * * Appears in Experian but is completely missing from TransUnion and Equifax. 
XXXX. XXXX XXXX XXXX ( Original Creditor : RELIANT ENERGY ONLINE INFORMATION SERVICES ) Account # : [ as shown in my report ] Balance and status are reported inconsistently across bureaus. 
XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : [ as shown in my report ] Incomplete and mismatched reporting between bureaus. 



Summary of XXXX Totals Mismatches Total Accounts : TU = XXXX, EXP = XXXX, EQF = XXXX Equifax is missing XXXX accounts. 
Open Accounts : TU = XXXX, EXP = XXXX, EQF = XXXX Experian underreporting open accounts.

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 2025-08-16 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On XX/XX/2025 I submitted an online dispute with XXXX  for a Collection debt in the amount of {$620.00} apparently from XXXX ; however, the information returned in the attached dispute results did not provide any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation