vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Late payment entries on my credit report appear to be inaccurate. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, all information in my report must be accurate, complete, and capable of verification. I am requesting verification of these entries, and if they can not be substantiated, they should be corrected or removed accordingly.

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 2025-10-13 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: TX

Complaint narrative:
PLEASE THESE ACCOUNT HAS INACCURATE DETAILS, INFORMATION REPORTING IN MY REPORT, IMMEDIATE ACTION NEEDED.

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 2025-10-13 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: TX

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

Company 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 2025-10-13 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: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-13 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: MI

Complaint narrative:
I am submitting this complaint against Equifax for reporting false and inaccurate information on my credit report. My Equifax credit file is showing a XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/year> with a balance of {$0.00}, but it is being reported with a late payment. This information is completely inaccurate and misleading. I have never made any late payments with XXXX XXXX. My payment history has always been on time and in good standing. This false late payment reporting is harming my credit profile, lowering my credit score, and misrepresenting my financial responsibility. 

Under the Fair Credit Reporting Act ( FCRA ), Equifax is legally obligated to ensure maximum possible accuracy of the information they report. This false reporting shows a clear violation of those standards. I am requesting that Equifax conduct a full and fair investigation into this account and verify all payment records directly with the furnisher. If Equifax can not verify this information as accurate and complete, this late payment must be immediately deleted from my credit report to correct the damage that has been done to my credit standing. 

I am also requesting that Equifax provide me with written confirmation once this correction has been made, along with an updated copy of my credit report reflecting the accurate information. This error has caused harm and unnecessary stress, and I expect Equifax to comply fully with the Fair Credit Reporting Act to correct this issue promptly and ensure the accuracy of my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX [ Date ] To : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, PA XXXX Subject : Request for Reinvestigation and Removal of Inaccurate Repossession Reporting Dear [ Credit Bureau Name ], I am writing to formally dispute a repossession entry that appears on my credit report. The information being reported by XXXX XXXX XXXX appears to be inaccurate or unverifiable. Account details : - Creditor : XXXX XXXX XXXX  - Account Number Date Reported : XX/XX/XXXX This entry is listed as an involuntary repossession, but I have reason to believe this reporting may not accurately reflect the circumstances of the account closure or the legal process followed. I respectfully request that your office conduct a reinvestigation of this information in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to verify its accuracy and completeness. If XXXX XXXX XXXX can not provide full documentation verifying that the repossession was reported correctly and in compliance with federal and state law, I request that this entry be removed from my credit report. Please send me written confirmation of the results of your investigation, including the name and contact information of any entity you verified the account with. I also request an updated copy of my credit report reflecting any changes that result from your investigation. Thank you for your time and prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
b"Unfortunately due to the overwhelming situation with the economy raising prices. I'm in the process of filling bankruptcy please get in touch with my attorney at: XXXX XXXX XXXX XXXX Logo\nXXXX XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-13 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: MN

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXX XXXX  in XXXX, XXXX, per XXXX Tracking XXXX XXXXXXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX XXXX  {$1000.00} ( account XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX  {$1900.00} ( account XXXX  XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from 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 non-monetary relief
Consumer complaint received 2025-10-13 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: OR

Complaint narrative:
This is now the XXXX documented attempt to correct this reporting, and at this point, it is clear that the bureaus and data furnishers are engaging in malicious noncompliance. Despite being notified of these errors, theyve refused to follow the law and correct or delete the inaccurate information. 

There is no original contract, no signed application, no itemized billing statementsnothing to substantiate the validity or accuracy of the tradeline. This violates FCRA 609 ( a ) ( 1 ) and consumer disclosure rights, and also breaks the Consumer Financial Protection Act ( XXXX ) for unfair, deceptive, and abusive acts or practices ( UDAAP ). 

The XXXX XXXX format clearly mandates accurate coding and complete reinvestigation protocols, which are being ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-13 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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
Loan Number : XXXX I had my refinance closing on XX/XX/year> and the current loan of {$230000.00} with Fay Servicing was paid in full shortly after closing. My escrow balance with Fay was close to {$3000.00} that I was expecting from them as a check in the mail. 

Today, I called Fay support ( XXXX ) to see why my check wasn't mailed, and they said that I had to call in first for them to process the 'Paid in Full Letter '. 

Then when the support person processed the 'The Paid in Full Letter ', he was not able to tell me the escrow balance, and he could not give me any confirmation number or anything similar that he processed the 'Paid in Full Letter '. Also, he expects me to call back in 3 business days to see what that balance amount is.

On top of all this, my online access is blanked ( after it is paid ) where I can not see any of my loan details ; paid or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: KS

Complaint narrative:
Equifax Failed to Provide XXXX of XXXX XXXX FCRA XXXX ( a ) ( XXXX ). On XX/XX/year>, I disputed XXXX or more inaccurate items on my Equifax credit report. Equifax later responded that the information was verified as accurate. Under FCRA 611 ( a ) ( 7 ), I requested the method of verification, including the name, address, and telephone number of the furnisher of information and the procedure used to verify the data. Equifax failed to provide a full response within the required XXXX business days, or provided a vague response that did not include the verification details required by law. I am requesting that the CFPB ensure Equifax provides a complete and detailed method of verification as required by the Fair Credit Reporting Act. Disputed Item ( XXXX ) : [ Creditor Name XXXX XXXX XXXX / Account Number ; XXXX / Date Opened XX/XX/year> / Type of Error ; Data Breach, Inaccurate Information ]. Ive attached copies of my original dispute, Equifaxs response, and my follow-up request for the method of verification. I want Equifax to comply with FCRA 611 ( a ) ( 7 ) by providing the specific method of verification, including the name, address, and telephone number of the furnisher, and a detailed description of how the item was verified. If Equifax can not verify with documentation, I request the deletion of the item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-13 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/year>, a {$990.00} charge labeled Gold Card Points appeared on my Robinhood Credit Card account. I did not authorize this charge. I accidentally clicked on the XXXX XXXX XXXX option but never confirmed or activated the card. 

Immediately after noticing the mistake, I contacted XXXXinhood support and requested to cancel the Gold Card application and reverse the {$990.00} charge. However, the representative informed me that the card was being manufactured and refused to cancel or refund the charge, even though I had not activated or used the card. 

The charge was later posted to my account despite being unauthorized. I am requesting that this {$990.00} charge be fully reversed and that Robinhood and XXXX XXXXXXXX XXXX review their practices for processing unauthorized or mistaken applications.

Company response to consumer: Closed with explanation