vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
Recently my driver license information was used to apply for a XXXX  XXXX credit card on XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On multiple dates I was charged excessive late fees equal to my minimum payment on my harbor freight card and my guitar center card. I had fees equal to my minimum payment in XXXX but I could only find the information from XXXX, as XXXX is not accessible. And i couldnt attach screenshots because their app does not allow screenshots. The dates for the harbor freight card number ending in XXXX, are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The guitar center card number ending in XXXX, dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
According to the federal law we should be safe from excessive late fees. In XXXX the fee was capped at {$8.00}, down from $ XXXX {$35.00}. I am getting charged {$41.00} fee for a {$41.00} minimum payment. Thats not even counting the {$15.00} I pay in interest Every payment. I do not want to do auto pay because they will take the payment from the bank regardless of if it is in there and then I will have late fees, overdraft fees and that is just too shady. So I miss a payment here and there. Sometimes a day, sometimes 2 days. I tried resolving this and was told it is in their " fine print '', even though i dont recall reading anything about excessive late fees, and that they can do this regardless of what the federal law is. I was told that they will waive one late fee. If the federal law is taken seriously, then waiving one late fee is unacceptable. I resisted getting a credit card for 30 years and finally broke down and got one and this is the experience. Ruined my good credit and bleeding me dry. SYNCHRONY is an evil company of legal loansharks.

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 monetary relief
Consumer complaint received 2025-09-29 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: GA

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 explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: J J Marshall & Associates, Inc
State: OH

Complaint narrative:
I lived with my mother we moved into a new place turned in our keys and signed all paperwork before we left. Months later a eviction started showing up on my credit report we never left the unit on bad terms and payed everything we were supposed to we also are on XXXX XXXX  and paperwork was filled out and signed before we moved so I dont understand how a eviction was started

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit agencies Experian and Equifax continues to report inaccurate information to my credit report. They have not given me the proper documentation for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Experian. I previously submitted a written dispute on XX/XX/year>, which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

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 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: WA

Complaint narrative:
I paid off my XXXX XXXX with Honda Financial in XXXX of XXXX. My credit was pulled a few days ago by a mortgage lender. My credit still shows a balance for this vehicle of {$38000.00}. It was paid off almost 10 months ago and never reported by Honda Financial to the credit agencies. This is affecting my debt to income ratio for purchasing a home. I have called several times to Honda Financial and they have told me all they will do is provide me with a payoff letter. I have to dispute with their company that they didnt report it to credit agencies when paid off. They refused to now report it without a written dispute via MAIL. I have also called the credit agencies and they told me to contact the lender, Honda Financial, as its their job to report the payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX  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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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 ( ii ) 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 1681s-2 they are suppose 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 2025-09-29 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX * * * * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-09-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2025-09-29 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: NY

Complaint narrative:
I noticed some inaccuracieson my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciateit if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigateand update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issuesdown the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: IN

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 XXXX 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 Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX 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, 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 2025-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: UT

Complaint narrative:
A fair outcome would be for my account to be corrected immediately. I have paid approximately {$3100.00} over the past XXXX years, and I have documentation proving these payments. These payments have not been properly applied to my account, and the explanation that interest prevented the balance from decreasing is inaccurate, as interest did not resume until XX/XX/year>. 

Additionally, I have submitted my XXXX application XXXX times this year without any decision, denial, or approval. This repeated failure to process my XXXX application is unreasonable and has unfairly delayed my access to benefits I am eligible for. 
They have not posted payments to my credit report either. I have made payment over XXXX in over the last XXXX years with no record of where it was applied.

Company response to consumer: In progress
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone may have used my information to open up this account after it was leaked in the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I just got a letter XXXX day saying I owe a dept and that they where going to garnish my job so now they are saying that I have to pay XXXX to the debt its XXXX dollars I have small children and I just cant afford that that will put me in financial debt with my bills I was requesting to at least once a month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN ( last XXXX ) : XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX Consumer Financial Protection Bureau ( via complaint portal ) Re : Formal Dispute of Inaccurate Credit Reporting Request for Deletion and Correction FCRA 602, 605, 605B, 607, 611, 623 | FDCPA 809 Dear [ Bureau/CFPB ], I am disputing inaccurate information appearing on my credit file. These errors violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



Items in Dispute XXXX. XXXX XXXX Student Loans ( Multiple Accounts ) Status incorrectly states Current, was past due 150 days. 
Payment history shows OK status, but tradelines reflect severe delinquency. 
XXXX loans opened on the same date ( XX/XX/XXXX ) with inconsistent balances appear to be duplicates or mis-coded. 
These are false and damaging notations. 
XXXX. Missing/Incomplete Reporting ( XXXX XXXX Equifax XXXX XXXX information ( name, XXXX, XXXX ) is missing or blank. 
Active accounts that report to Experian are not reporting to TransUnion or Equifax, creating an incomplete file. 
XXXX. Derogatory/Delinquent Accounts Count Experian summary lists 3 derogatory accounts. This is false and based only on the EDFINANCIAL tradelines.

Legal Basis FCRA 607 and 623 Information furnished must be accurate and complete.

FCRA 611 I have the right to dispute and request reinvestigation. If unverifiable, items must be deleted within 30 days.

FCRA 605 Obsolete or inaccurate negative information must not be reported.

FCRA 605B Information resulting from identity theft or misreporting must be blocked within 4 business days upon receipt of identity theft documentation.

FDCPA 809 ( 15 U.S.C. 1692g ) Furnishers must validate debts being reported. 



Requested XXXX Delete or correct the XXXX tradelines showing false delinquency. 
Remove the inaccurate XXXX derogatory accounts notation. 
Correct and update my personal information across all bureaus. 
Remove unverifiable or duplicate accounts. 
Provide written confirmation of all deletions and corrections. 

If these items can not be verified with full documentation from the original creditor, they must be deleted immediately. Failure to comply constitutes willful noncompliance under FCRA 616 and negligent noncompliance under 617.

Enclosures Copy of government-issued ID Proof of current address Copy of credit report with disputed items highlighted FTC Identity Theft Report Police Report ( if available ) This is a formal dispute under FCRA 611 and a request for blocking under 605B. Please act accordingly and confirm in writing once these corrections and deletions are completed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief