vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
I am filing a complaint against Equifax for extensive inaccuracies and non-compliant reporting practices across multiple accounts on my credit report. Equifax is reporting late payments on closed and charged-off accounts, reporting negative items older than 7 years, updating balances incorrectly, showing past-due amounts after charge-off, and failing to update paid accounts. These errors violate the FCRA and Metro 2 standards and cause direct harm during an active mortgage process.

1. Equifax is reporting late payments and delinquencies on accounts that are CLOSED or CHARGED OFF.

This is prohibited. Under Metro 2 Status Code 97, payment history must stop once an account is charged off. No new late payments may be added.

Violations : FCRA 607 ( b ), Metro2 Charge-Off Rules.

2. Equifax is reporting accounts beyond the 7-year reporting period.

Under FCRA 605 ( a ), derogatory information older than 7 years must be removed. Equifax is reporting items well outside the legal reporting window.

3. Charge-off accounts contain incorrect past-due amounts and balance updates after the charge-off date.

Accounts that have been charged off must not reflect changing balances, increasing past due amounts, or updated activity.

Violations : FCRA 607 ( b ), 602 ( A ), Metro 2.

4. Paid accounts remain open or report derogatory information that has not been updated.

These inaccuracies materially misrepresent my credit standing and violate the FCRAs accuracy requirements.

5. Equifax is updating CLOSED accounts with new derogatory data.

Closed accounts can not receive new late payment marks or CO codes.

Violations : Metro2 Closed Account Reporting Guidelines.

6. Equifax has failed to properly reinvestigate prior disputes.

Under FCRA 611 ( a ) ( 5 ) ( A ), any information not fully verified must be deleted. Equifax continues reporting unverifiable and conflicting information.

Request for CFPB Action : I am asking for a full reinvestigation and correction of all inaccurate items, including : Removal of all late payments added after accounts were closed/charged-off Deletion of all accounts reporting past the 7-year limit Updating all paid accounts to show PAID / CLOSED / {$0.00} Correcting charge-off accounts to remove new activity Deleting any item that can not be fully verified with complete documentation Providing written confirmation of all corrections and deletions Equifax is violating its FCRA duty to ensure maximum possible accuracy and must correct or delete these items immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AR

Complaint narrative:
I am filing this complaint because all three credit bureaus Equifax, Experian, and TransUnion are reporting multiple items that are inaccurate, outdated, unverifiable, and damaging to my financial profile despite my rights under the FCRA. My reports contain several addresses that have never belonged to me, including XXXXXXXX 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 which violates FCRA 611 and 605. Additionally, a XXXX XXXX account ending in XXXX is listed as a late closed account with a {$0.00} balance, and another XXXX XXXX account ending in XXXX is being reported as a charge-off for {$710.00}, even though the reporting appears inconsistent with FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 623 ( b ). Even more concerning, my file shows a XXXX XXXX bankruptcy from the U.S. Bankruptcy Court with Reference # XXXX, an asset amount of {$0.00}, which is not mine, and its presence violates FCRA 607 ( b ), 609 ( a ), and 605 ( a ) ( 1 ). My reports also contain unauthorized hard inquiries from XXXX dated XX/XX/year> and XXXX Card dated XX/XX/year> that were never authorized by me and conflict with FCRA 604 ( a ) and 611. All three credit bureaus have failed to maintain reasonable procedures to ensure accuracy, and I request CFPB intervention to compel proper verification, removal, or correction of all erroneous data.

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 2025-11-26 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: AR

Complaint narrative:
I am filing this complaint because all three credit bureaus Equifax, Experian, and TransUnion are reporting multiple items that are inaccurate, outdated, unverifiable, and damaging to my financial profile despite my rights under the FCRA. My reports contain several addresses that have never belonged to me, including XXXXXXXX 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 which violates FCRA 611 and 605. Additionally, a XXXX XXXX account ending in XXXX is listed as a late closed account with a {$0.00} balance, and another XXXX XXXX account ending in XXXX is being reported as a charge-off for {$710.00}, even though the reporting appears inconsistent with FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), and 623 ( b ). Even more concerning, my file shows a XXXX XXXX bankruptcy from the U.S. Bankruptcy Court with Reference # XXXX, an asset amount of {$0.00}, which is not mine, and its presence violates FCRA 607 ( b ), 609 ( a ), and 605 ( a ) ( 1 ). My reports also contain unauthorized hard inquiries from XXXX dated XX/XX/year> and XXXX Card dated XX/XX/year> that were never authorized by me and conflict with FCRA 604 ( a ) and 611. All three credit bureaus have failed to maintain reasonable procedures to ensure accuracy, and I request CFPB intervention to compel proper verification, removal, or correction of all erroneous data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: AR

Complaint narrative:
I am submitting this as a formal dispute regarding the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account with a reported balance of {$180.00} * *, which appears on my credit reports with Experian, Equifax, and TransUnion. Upon careful review of my credit files, I have identified significant inconsistencies in the reporting of this account across the three bureaus, including conflicting dates of last activity, last payment, and late payment notations. These discrepancies materially misrepresent my actual payment history and violate the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which mandate that consumer reporting agencies maintain accurate, complete, and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-26 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX last XXXX of XXXX XXXX date of birth XX/XX/XXXX. This cfpb complaint has been found to request pursuant to fcra subsection XXXX b ( XXXX United States code XXXX XXXX ) that Experian credit report agency shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint of fraudulent and inaccurate and false information consists of personal credit card account at XXXX XXXX on XXXX XXXX XXXX under account number XXXX for a balance of {$300.00}, and a XXXX wireless account number XXXX open on XXXX XXXX XXXX balance of {$1100.00}. These accounts as resulted in several fraudulent hard inquiries and fraudulent collections appearing on my XXXX credit report. I've attached a list of hard inquiries and question as well as a copy of my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items I do not recognize the aforementioned accounts collections and hard inquiries as reported the aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you will not open or made or initiated by me all of the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud I have a taxi copy of the FTC identity theft criminal complaint case number # XXXX as proof from the United States Federal trade commission that all the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX last XXXX of XXXX XXXX date of birth XX/XX/XXXX. This cfpb complaint has been found to request pursuant to fcra subsection XXXX b ( XXXX United States code XXXX XXXX ) that Experian credit report agency shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint of fraudulent and inaccurate and false information consists of personal credit card account at XXXX XXXX on XXXX XXXX XXXX under account number XXXX for a balance of {$300.00}, and a XXXX wireless account number XXXX open on XXXX XXXX XXXX balance of {$1100.00}. These accounts as resulted in several fraudulent hard inquiries and fraudulent collections appearing on my XXXX credit report. I've attached a list of hard inquiries and question as well as a copy of my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items I do not recognize the aforementioned accounts collections and hard inquiries as reported the aforementioned accounts collections and hard inquiries appearing on my consumer credit report maintained by you will not open or made or initiated by me all of the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud I have a taxi copy of the FTC identity theft criminal complaint case number # XXXX as proof from the United States Federal trade commission that all the aforementioned consumer credit accounts collections and hard inquiries are the result of identity theft and 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 2025-11-26 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: GA

Complaint narrative:
Dear Transunion This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( # XXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX XXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXX XXXX XXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

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 2025-11-26 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: SC

Complaint narrative:
In XXXX, during the COVID-19 pandemic, I entered into a COVID mortgage deferral accommodation with XXXXXXXX XXXX XXXX I complied with all terms of the deferral and made the required payments. 

Despite being in an approved COVID deferral, XXXXXXXX XXXX reported my mortgage as 60 days past due in XX/XX/XXXX, which caused my credit score to drop 85 points in one day. This reporting was incorrect, harmful, and violated the CARES Act and CFPBs COVID servicing guidance, which required servicers to report accounts in accommodation as current. 

I immediately emailed XXXX on XX/XX/XXXX, informing them of the incorrect late reporting and the damage it caused. I also requested an explanation. Their representative, XXXX XXXX, responded by saying : As far as I have been told, this should not have hit your credit. 

Even though the bank admitted in writing that this reporting was wrong, they did not correct it, and I had to fight with them for nearly a year to get this inaccurate 60-day late removed from my credit reports. This caused significant emotional distress, financial harm, and long-term damage to my credit. 

This incident is also part of a larger pattern of servicing problems with XXXX, including misapplied payments, missing loan history, and more recent incorrect credit reporting in XXXX. 

I am requesting that CFPB investigate SouthStates handling of my COVID deferral, determine why they reported me delinquent during a protected period, and ensure that this information is permanently corrected and removed from my file. 

I can provide emails, the deferral documentation, and proof of the credit score drop.

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 2025-11-26 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: SC

Complaint narrative:
In XXXX, during the COVID-19 pandemic, I entered into a COVID mortgage deferral accommodation with XXXXXXXX XXXX XXXX  I complied with all terms of the deferral and made the required payments. 

Despite being in an approved COVID deferral, XXXXXXXX XXXX  reported my mortgage as 60 days past due in XX/XX/XXXX, which caused my credit score to drop 85 points in one day. This reporting was incorrect, harmful, and violated the CARES Act and CFPBs COVID servicing guidance, which required servicers to report accounts in accommodation as current. 

I immediately emailed XXXX on XX/XX/XXXX, informing them of the incorrect late reporting and the damage it caused. I also requested an explanation. Their representative, XXXX XXXX, responded by saying : As far as I have been told, this should not have hit your credit. 

Even though the bank admitted in writing that this reporting was wrong, they did not correct it, and I had to fight with them for nearly a year to get this inaccurate 60-day late removed from my credit reports. This caused significant emotional distress, financial harm, and long-term damage to my credit. 

This incident is also part of a larger pattern of servicing problems with XXXX, including misapplied payments, missing loan history, and more recent incorrect credit reporting in XXXX. 

I am requesting that CFPB investigate SouthStates handling of my COVID deferral, determine why they reported me delinquent during a protected period, and ensure that this information is permanently corrected and removed from my file. 

I can provide emails, the deferral documentation, and proof of the credit score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
In XXXX, during the COVID-19 pandemic, I entered into a COVID mortgage deferral accommodation with XXXXXXXX XXXX XXXX I complied with all terms of the deferral and made the required payments. 

Despite being in an approved COVID deferral, XXXXXXXX XXXX  reported my mortgage as 60 days past due in XX/XX/XXXX, which caused my credit score to drop 85 points in one day. This reporting was incorrect, harmful, and violated the CARES Act and CFPBs COVID servicing guidance, which required servicers to report accounts in accommodation as current. 

I immediately emailed XXXX on XX/XX/XXXX, informing them of the incorrect late reporting and the damage it caused. I also requested an explanation. Their representative, XXXX XXXX, responded by saying : As far as I have been told, this should not have hit your credit. 

Even though the bank admitted in writing that this reporting was wrong, they did not correct it, and I had to fight with them for nearly a year to get this inaccurate 60-day late removed from my credit reports. This caused significant emotional distress, financial harm, and long-term damage to my credit.

This incident is also part of a larger pattern of servicing problems with XXXX, including misapplied payments, missing loan history, and more recent incorrect credit reporting in XXXX. 

I am requesting that CFPB investigate SouthStates handling of my COVID deferral, determine why they reported me delinquent during a protected period, and ensure that this information is permanently corrected and removed from my file.

I can provide emails, the deferral documentation, and proof of the credit score drop.

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 2025-11-26 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is my final notice. You have been repeatedly notified of the fraudulent accounts and unauthorized inquiries on my credit file, and you have failed to act. I am the consumer, and this letter is being sent directly by me. Do not insult my intelligence with another form letter or template response. Every day you delay is another day you are knowingly violating federal law.

You now have official proof of identity theft in your possession. Continuing to report these fraudulent items after receiving that documentation is no longer a mistake it is willful noncompliance and will be treated as such.

You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You can not furnish or retain inquiries on my credit file for transactions I never authorized. Each unauthorized inquiry still showing is an independent violation.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days once provided proper documentation. You have already received my FTC Identity Theft Report, government ID, Social Security card, and proof of address. Your failure to act is blatant noncompliance.

18 U.S.C. 1028A ( Aggravated Identity Theft ) By continuing to report fraudulent data, you are knowingly enabling identity theft. This statute is criminal in nature.

15 U.S.C. 1681i ( a ) You must reinvestigate disputed items. If you can not produce verifiable proof that I authorized these accounts or inquiries, you are legally obligated to delete them immediately.

FCRA 616 & 617 Your continued inaction opens you to civil liability, including statutory damages, punitive damages, and attorneys fees.

Fraudulent Accounts and Inquiries ( Already Documented ) : XXXX. XXXXXXXX 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