vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
XXXX XXXXXXXX : account no. XXXX XXXX XXXX : account no. XXXX I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: NY

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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 filing this dispute due to inaccurate addresses and incorrect late closed accounts being reported on my credit report. The following addresses XXXX Harpers Way, XXXX, MD XXXX, XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX, XXXX, GA XXXX do not belong to me and appear to be inaccurately associated with my file. Additionally, the accounts XXXX XXXX  ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ) XXXX XXXX  and XXXX Co ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00} ) * * are being reported with late payments even though they were closed in good standing with a XXXX balance. These reporting errors have caused unnecessary harm to my credit profile and do not accurately reflect my payment history. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must ensure maximum possible accuracy of all reported information. FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] provides my right to dispute incomplete or inaccurate information and to have it promptly reinvestigated. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to report only data they know to be accurate and to correct any errors once notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
I am filing this dispute due to inaccurate addresses and incorrect late closed accounts being reported on my credit report. The following addresses XXXX Harpers Way, XXXX, MD XXXX, XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX, XXXX, GA XXXX do not belong to me and appear to be inaccurately associated with my file. Additionally, the accounts XXXX XXXX  ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ) XXXX XXXX  and XXXX Co ( Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$0.00} ) * * are being reported with late payments even though they were closed in good standing with a XXXX balance. These reporting errors have caused unnecessary harm to my credit profile and do not accurately reflect my payment history. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must ensure maximum possible accuracy of all reported information. FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] provides my right to dispute incomplete or inaccurate information and to have it promptly reinvestigated. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to report only data they know to be accurate and to correct any errors once notified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), this creditor has violated my consumer rights.

Under 15 U.S.C. 1681b ( a ) ( 2 ), I have the right to privacy, and a consumer reporting agency is prohibited from furnishing my credit information without my written authorization. My credit information was accessed or shared without my consent, which constitutes a violation of this section.

Additionally, under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account as late if it was received on or before the due date. I have proof that my payments were made on time, yet the creditor reported them as late, damaging my credit history.

I am requesting a formal investigation, removal of any inaccurate information, and corrective action regarding the privacy violation and false 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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SLM CORPORATION
State: NY

Complaint narrative:
I was attending college and needed to pay for a school semester which lead me to ask for a loan I ended up taking XXXX for different amount of loans out. XXXX loan for XXXX XXXX and another loan of XXXX XXXX. I ended up missing payments and falling behind on payments which almost double the loan I wasnt able to pay due to not working in XXXX. The loan was for XXXX. Today im trying to pay back the loan but cant keep up with payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.

FRAUDULENT ACCOUNTS : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) # XXXX ( Original Creditor : ) # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
Date : XX/XX/2025 Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Second Request for Removal of Unverifiable Account Dear Credit Reporting Agency, I am writing to request the removal of an account from my credit report as reported by Equifax. 
This request is based on the recent deletion of an account by Experian, one of the four major credit reporting agencies. I recently disputed a collection for {$2400.00} from XXXX XXXX XXXX, listed on my Experian credit report, and following a thorough investigation, Experian has completely removed this unverifiable debt from my report as of XX/XX/2025. 

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since Experian has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since Experian has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With Experian having deemed this information unverifiable, I urge you to align its records accordingly. 

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paycheck Solutions llc
State: WA

Complaint narrative:
So I had gotten paid on the previous Wednesday to XX/XX/year> an had been working alot so I ended up misplacing my debit card from my employer some where around my house I never called it in as lost because I knew it was somewhere at home how ever when I finally came across my card called an checked the balance and it was XXXX then I headed out to the atm when I arrived I proceeded to use the XXXX atm by my house an I noticed that the machine kept on saying wrong I'd number meaning my pin was wrong so i called card holder services to change the pin through there Ai phone system I hung up an tried my card again an it still did not go through so I call the card company back and spoke to a live person and was informed that due to the amount of trys an pin failure I had to wait 24 hour just to use my card again and I I was disappointed in the way I was just told that there is nothing that could be done to I'd me as card the holder so I could use my card I have bills an rent to pay anyway the 24hours had passed an still not working so I call card holder service back and was told that my card was deactivated because I reported it lost witch is very incorrect all I did was call to see why the card was not working an to have it replaced an also I was informed that my balance was now as low as XXXX witch is crazy because I didn't even get the opportunity to use my card an then the lady was supposed to get a supervisor to help but hung up on me instead and this is not the first time my money has came up missing I have been through the same thing several times with this card company please help thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are late payment records on my credit report that I believe are inaccurate. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, all data reported must be accurate, complete, and verifiable. I am requesting that these entries be investigated and, if they can not be properly verified, that they be corrected or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.

FRAUDULENT ACCOUNTS : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) # XXXX ( Original Creditor : ) # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-10-20 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently.

FRAUDULENT ACCOUNTS : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) # XXXX ( Original Creditor : ) # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-10-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I am a XXXX veteran with a XXXX mortgage through Freedom Mortgage. I filed for XXXX  XXXX bankruptcy in XXXX primarily to address missed payments caused by XXXX forbearance. I was actively pursuing a permanent loan modification through Freedom Mortgage and included them as a creditor in my original XXXX  XXXX plan. 

Despite numerous attempts to resolve the delinquency through loss mitigation, including multiple applications and complete loss mitigation packages submitted via email, Freedom Mortgage failed to process my requests in a timely or responsive manner. I received no meaningful updates, resolution, or transparency throughout XXXX and early XXXX. 

Eventually, in XXXX, Freedom Mortgage offered a loan modification with a significantly higher interest rate than my original mortgage. Due to the bankruptcy timeline and the threat of foreclosure, I was forced to accept this new, unaffordable rate under duress. 

After my modification was approved, I requested from Freedom Mortgage : A full timeline and audit of all modification applications and their status Clarification of how the final modification terms were calculated Explanation of why my interest rate increased Details of any escrow surplus or shortages applied Application of {$2300.00} from escrow balance toward monthly mortgage payments They failed to provide any of these requested details. I was left without documentation that explains how they serviced my XXXX loan in compliance with applicable law or VA guidance. I also did not receive timely updates required by law. 

Freedom Mortgages lack of transparency, failure to process assistance applications, and refusal to provide responsive documentation has caused financial hardship, emotional XXXX, and ongoing uncertainty. 

I am requesting that CFPB investigate whether Freedom Mortgages actions violate the CARES Act, VA servicing guidelines, RESPA loss mitigation procedures, or CFPB regulations. 

Additionally, H.R. 1815 ( VA Home Loan Awareness Act ) was recently passed to protect veterans like myself from predatory or negligent loan servicing practices. I urge the CFPB to investigate Freedom Mortgages compliance with this new policy and the VAs responsibilities outlined within it.

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