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

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$260000.00} XXXX XXXX  XXXX Balance : {$1100.00}

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

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$550.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-11 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: NC

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC for failing to remove an unvalidated collection account from my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The account in question allegedly involves a collection with XXXX XXXX. Upon receiving notice of this account, I exercised my right to request debt validation from the creditor. XXXX XXXX failed to provide legally sufficient documentation to verify the debt after XXXX separate written requests, all of which were sent by registered mail with return receipts. 

After receiving no valid proof of debt, I sent copies of all correspondence and mail receipts to all three major credit reporting agencies Equifax, XXXX and XXXX as well as to the Secretary of State and the Federal Communications Commission ( FCC ) for record-keeping.

XXXX never reported this account, which is accurate. 

XXXX reviewed my dispute and subsequently removed the XXXX XXXX account from my credit report after verifying the lack of proper validation. 

Equifax, however, has refused to remove the account, despite being provided with the same documentation and evidence. 

This results in a clear discrepancy between credit bureaus and the continued reporting of inaccurate and unverified information by Equifax. Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to conduct a reasonable investigation and delete any item that can not be verified. Equifaxs refusal to correct or remove this item constitutes noncompliance with federal law.

Equifax Information : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Account Information : Creditor : XXXX XXXX Type : Collection Account Account Number ( partial ) : [ XXXX ] Status Reported : [ Delinquent/collections ] My Information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX Date of Birth : XX/XX/year> Last Four of SSN : XXXX Email / Phone : XXXX I have acted in good faith and complied with all legal procedures for debt validation and credit dispute. Equifaxs failure to remove this unverified information continues to harm my creditworthiness and violates my rights under federal law. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Dovenmuehle Mortgage, Inc.
State: AZ

Complaint narrative:
On XX/XX/25 I wired three payments totaling more than the full payoff amount for my mortgage. The servicer later confirmed they received the funds that day. The funds were not applied until XX/XX/25 due to internal routing delays, even though the payoff amount was fully covered. 

On XX/XX/25 I submitted a RESPA Notice of Error under 12 C.F.R. 1024.35 requesting correction and reimbursement of interest charged during XXXX, plus standard payoff documentation ( paid-in-full letter, lien release info, escrow refund XXXX and payoff accounting ). 

The servicer failed to acknowledge my Notice of Error within the required 5 business days ( deadline XX/XX/25 ) and has not responded at all. 

I am requesting : Reimbursement of interest from XXXX caused by servicer delay Written payoff confirmation Lien release confirmation Escrow refund timing and amount Itemized payoff accounting The company is in violation of Reg X 1024.35 and Reg Z 1026.36 ( c ) ( 1 ) for not timely crediting funds received, and for not acknowledging the Notice of Error.

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

Complaint narrative:
I am submitting to dispute certain entries on my credit report that inaccurately indicate late payments on my accounts with DPT EDXXXX. I have always taken my financial responsibilities seriously and have consistently ensured that my payments are made on time. 
The entries in question are : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} Late 120 Days and late 180 Days DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} Late 120 Days and late 180 Days DPT ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6100.00} Late 120 Days and late 180 Days DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} Late 120 Days and late 180 Days Under the Fair Credit Reporting Act ( FCRA 611, 623 ( a ) ( 2 ), 623 ( b ) ), I have the right to ensure that all information reported about me is accurate and complete. I kindly request that your bureau conduct a thorough investigation into these accounts. If the reported late payments can not be verified as accurate.

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 2025-11-11 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: NC

Complaint narrative:
I am sending to formally dispute inaccurate information appearing on my credit report. Several accounts are being reported incorrectly, and I am requesting that the information be corrected to accurately reflect my account histories, as required under the Fair Credit Reporting Act ( FCRA ). Reviewing my credit report has been a source of constant stress, as these inaccuracies make it appear that I have mismanaged accounts I have consistently maintained responsibly. This has affected my confidence when applying for loans, renting property, and even considering career opportunities that require credit checks. Under FCRA 1681i, I have the right to dispute any information I believe is inaccurate, and I expect the bureau to conduct a thorough and reasonable investigation in accordance with FCRA 1681i ( a ) ( 1 ) to ensure that all information in my file is verified and accurate. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260000.00} Date Opened : XX/XX/XXXX late 60 and 90 days Date Reported:XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX late 30 and 60 days Date Reported:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$30.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last ActivityXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} late 30 and 60 days Date Reported : XX/XX/XXXX Date of Last ActivityXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$1800.00}

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 2025-11-11 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: RI

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-11-11 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: RI

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: CUSTOMERS BANCORP, INC
State: RI

Complaint narrative:
I took out a personal loan forXX/XX/XXXXXXXX over a XX/XX/XXXXyear term. TheXX/XX/XXXX years was over by a month and I was still getting charged monthly installments. So I reached out to my bank to make sure they could not continue to charge me. I then contacted the company XXXXXX/XX/XXXXBank. They could not provide any information on my loan, payment schedule, end date of installments. They did not and could not give me any information. I then received a letter saying I owed an installment and a late fee and if not paid would be reported to the credit bureau. This is obviously completely unfair as Im doing my due diligence to obtain information on the loan.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing No. Bankruptcy - XXXX Bankruptcy - XXXX Bankruptcy - XXXX. If XXXX can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-11-11 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: NC

Complaint narrative:
I am sending to formally dispute inaccurate information appearing on my credit report. Several accounts are being reported incorrectly, and I am requesting that the information be corrected to accurately reflect my account histories, as required under the Fair Credit Reporting Act ( FCRA ). Reviewing my credit report has been a source of constant stress, as these inaccuracies make it appear that I have mismanaged accounts I have consistently maintained responsibly. This has affected my confidence when applying for loans, renting property, and even considering career opportunities that require credit checks. Under FCRA 1681i, I have the right to dispute any information I believe is inaccurate, and I expect the bureau to conduct a thorough and reasonable investigation in accordance with FCRA 1681i ( a ) ( 1 ) to ensure that all information in my file is verified and accurate. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260000.00} Date Opened : XX/XX/XXXX late 60 and 90 days Date Reported:XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX late 30 and 60 days Date Reported:XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$30.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last ActivityXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} late 30 and 60 days Date Reported : XX/XX/XXXX Date of Last ActivityXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$1800.00}

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

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate, incomplete, and unverifiable accounts currently appearing on my credit report. The accounts in question include 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my initial submission, these accounts remain on my credit report without any explanation, verification, or documentation from the credit bureau regarding their accuracy. This is a direct violation of the reinvestigation requirements under FCRA 611, as well as the obligations for furnishers to report only accurate information under FCRA 623 ( a ) ( 1 ) ( A ) and for credit reporting agencies to maintain maximum possible accuracy under FCRA 607 ( b ).

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
While checking my credit report, I noticed that there are items showed on my report that I did not authorize. I have not taken out any loans in XXXX or tried to apply for anything with my credit. It is saying that I owe {$11000.00}. I am unaware of where this came from.

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

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4000.00} XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Court : 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 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 2025-11-11 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: FL

Complaint narrative:
I am submitting to formally dispute an inaccuracy reported on my credit report regarding a late payment on my XXXX account. I have always made it a priority to manage my financial responsibilities responsibly, and this reported late payment does not reflect my actual payment history. 
XXXX XXXX Balance : {$3500.00} Late Days : XXXX days XXXX 2025 Under the Fair Credit Reporting Act : XXXX ( 15 U.S.C XXXX ) provides my right to dispute inaccurate information with credit bureaus. XXXX ( a ) ( XXXX ) imposes a duty on furnishers to correct and update information they provide. XXXX ( b ) requires that furnishers investigate disputes and verify the accuracy of the information they report. XXXX emphasizes the Congressional purpose of ensuring consumer reporting is fair, accurate, and confidential.

Company response to consumer: Closed with explanation