vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: TN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
. 
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX [ XXXX XXXX XXXX ] Email : XXXX Date : [ XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA RE : Dispute of Auto Loan Account Request for Investigation To Whom It May Concern, I am writing to formally dispute information related to an auto loan account from XXXX XXXX XXXX that is being reported inaccurately on my credit report. My name is XXXX XXXX XXXX, and I am requesting a full investigation and correction of any incorrect or incomplete information. 

I recently reviewed my credit report and noticed discrepancies regarding this auto loan account. The information being reported does not reflect accurate details, and I am requesting verification of the account, including but not limited to : The original contract and loan terms Payment history Account opening and closing dates Itemized breakdown of any late fees, balances, or charges Proof that the reporting is accurate and compliant with the Fair Credit Reporting Act ( FCRA ) Under the FCRA, I have the right to dispute information I believe to be inaccurate or incomplete. I am requesting that your office verify the accuracy of the account and correct or remove any information that can not be verified. 

Please provide written confirmation of the investigation results and any updates made to the account. If additional documents are needed from my end, please inform me promptly. 

Thank you for your attention to this matter. I expect a response within the time frame required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
These accounts are unrelated to me, and I ask that they be deleted within 15 days under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
This account is fraudulent and was opened without my authorization. I was incarcerated during the time this account was allegedly opened/used and therefore could not have opened or managed it. I am requesting an immediate investigation and removal of this unauthorized account from my credit file. Please correct my report accordingly. If this matter is not resolved promptly, I am prepared to pursue all available legal remedies Fraudulent Accounts are XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$3000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$23.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$310.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$210.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$480.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$480.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$150.00} Inquiries XXXXXXXX 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I have been trying to contact all three credit bureaus to get the Security and fraud alerts removed. I have had no success with getting anyone on the phone and their automated system has not been working out well for me. Please remove those alerts asap so that I can move into my apartment. Thank you.

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 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, the lender attempted to disburse funds for my personal loan via ACH transfer to my linked XXXX bank account. On XX/XX/XXXX, I contacted the lender via chat because I did not recognize the routing and account numbers shown as funded, and no funds appeared in my account. The agent explained it was a Substitute Account Number ( SAN ) used by XXXX for security, and assured me the funds would deposit within 48 business hours. 
By XX/XX/XXXX, the funds still had not appeared. On XX/XX/XXXX ( today ), I chatted again, and the agent informed me the funds were returned to the lender on XX/XX/XXXX, due to a bank validation discrepancy. Despite never receiving the funds, interest began accruing from XX/XX/XXXX, amounting to approximately {$50.00} so far. The agent stated I would still be responsible for this interest, as it was calculated from the send date and included in the fixed monthly payments due starting XX/XX/XXXX. 
To re-issue the funds, the lender required a voided check or bank verification letter with specific details ( full name, bank name, account number, routing number, account type, signed by a bank representative, dated within 60 days ). I do not have physical checks, so I provided alternatives : a bank statement, a direct deposit authorization form, and a digital voided check obtained from my bank. The lender rejected the digital voided check and insisted on the original requirements, refusing quicker options like re-linking the account or phone verification with the bank. 
I escalated to a manager, demanding waiver of the accrued interest since the loan was never disbursed, and full cancellation of the loan with no fees, interest, or credit impact, as the lender breached the agreement by failing to provide the funds. The manageXXXX apologized but stated they could not cancel due to the signed agreement and could not guarantee a waiver. They escalated to a resolution specialist, who would contact me within 72 business hours, and documented my request to be removed from marketing lists. 
Throughout the chats, I emphasized the unfairness of charging interest on undisbursed funds, but the lender has not waived it or canceled the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-28 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: MI

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 2025-11-28 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: WI

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 2025-11-28 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: WI

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within XXXX ( XXXX ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX - XXXX, XXXX  - XXXX  In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than XXXX year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over XXXX  days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

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 2025-11-28 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.C

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 2025-11-28 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Midwest Loan Services, Inc.
State: IL

Complaint narrative:
In XX/XX/2025, my loan with Midwest Loan Services was in the process of modification due to financial hardship. The cover letter I received with my signed and notarized modification agreement listed a new monthly payment of {$1600.00}, which I relied on when executing the modification. 

Throughout XXXX and early XX/XX/2025, I contacted Midwest several times and was consistently told that my modification had not yet been finalized. The payment website would not allow any payments until the modification was finalized and the updated payment information was uploaded to the system. My online portal showed outdated data, and I was unable to make payments while the modification was pending. 

Then, on XX/XX/XXXX and XXXX, XXXX, I began receiving customer service calls that turned out to be collection calls demanding multiple months of payment at a significantly higher amount than the modification paperwork indicated. At the same time, the website was suddenly updated to reflect a new payment amount I had never seen before, and my account was already showing as past due. Almost simultaneously, I was informed that my modification had been finalized and that my account was delinquent. 

Midwest then performed a delayed escrow analysis that increased my monthly payment from {$1600.00} to {$1900.00} without providing the required XXXX advance notice. My account was coded as XXXX days late, and collection activity continued despite my prior efforts to make payment. 

After I formally submitted a Notice of Error under 12 C.F.R. 1024.35 ( certified mail sent XX/XX/2025 ), Midwest reanalyzed my escrow and reduced the payment to {$1600.00}, based on updated tax information. However, they have not corrected the delinquency, acknowledged the servicing violations, or provided full escrow documentation.

Midwest had multiple escrow analyses throughout XXXX  showing a persistent shortage before and during my modification process, which was initiated because I was already struggling to keep my loan current. Despite that, they quoted a {$1600.00} payment in my modification cover letter. Only weeks later, they issued new escrow analyses in XX/XX/2025 raising my payment to {$1900.00} and immediately coded my loan as delinquentwithout the XXXX notice required by law. 

After my Notice of Error, a XX/XX/2025 analysis lowered the payment to {$1600.00}, confirming that the earlier increases were inaccurate and avoidable. 

I am requesting CFPB assistance to ensure that Midwest Loan Services : Removes all delinquency and negative credit reporting caused by these servicing errors. 

Provides a full written response and escrow accounting as required under RESPA. 

Offers a manageable repayment plan that reflects my financial hardship and allows me to bring the loan current without risk of losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
Please study the supplied documents ; the inquiries arrived without notice and might not be sanctioned.

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 2025-11-28 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: CA

Complaint narrative:
I am requesting your assistance in addressing these accounts, which were not established by me and appear fraudulent. Please refer to the attached documents for confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports.

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