vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: NJ

Complaint narrative:
I am filing this complaint because all three major credit reporting agenciesEquifax, Experian, and TransUnionare reporting multiple inaccurate and fraudulent accounts and credit inquiries on my credit reports. 

I have never opened, authorized, or had any relationship with the following accounts or creditors. I disputed these items directly with each bureau, but they remain on my reports, which has damaged my creditworthiness and caused me financial and emotional distress. 

The inclusion of these accounts violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires credit reporting agencies to report only accurate and verifiable information. 

The following accounts are falsely appearing across my credit reports ( some appear on all three, others vary by bureau ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following hard inquiries were recorded without my knowledge or consent, further harming my credit standing : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Damage to my credit score and standing. 

Difficulty obtaining credit at fair terms. 

Emotional distress and XXXX  from repeated denials and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

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 2025-09-18 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:
Late payment entries on my credit report appear to be inaccurate. In accordance with XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, my report must contain only information that is accurate, complete, and verifiable. I request that these entries be investigated, and if they can not be verified, they should 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 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX and XXXX. I purchased XXXX insurance for a vehicle that i had a loan for which was in a no fault accident which resulted in total loss. 
XXXX due to fault of XXXX XXXX XXXX XXXX delayed the claim for XXXX  months due to negligence and caused irreparable damage to my credit. I was assured the claim would be paid in under XXXX  days. 
XXXX XXXX XXXX XXXX XXXX is now claiming to deny my claim which has incorrect information on my account related to account owed and balance.

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 2025-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
My statements are available at very unpredictable times. I pay on the XXXX of the month prior to the due date ( XXXX of the month ). They are never available when I need them and now that I am trying to get an equity loan, they are withholding my current statement, delaying my underwriting process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
I am a XXXX  homeowner serviced by XXXX XXXX. I contacted them regarding the XXXX XXXX XXXXXXXX XXXX, authorized under the XXXX XXXX  XXXX XXXX XXXX XXXX of XXXX. Despite the program being active and mandated, XXXX representatives stated they were unaware of it and offered no assistance. This lack of knowledge and refusal to engage with a XXXX  XXXX  program puts me at risk of foreclosure and violates my rights under XXXX  loan servicing guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
I am filing a complaint because I have not received any response to the dispute letter I submitted regarding the negative items reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to conduct a reasonable investigation and provide results within 30 days of receiving a dispute. By failing to respond, the bureau has neglected its legal obligation and denied me my right to an accurate and fair credit report. 

I am formally requesting that the disputed negative items be immediately removed from my credit report since no validation or investigation results have been provided within the legally required timeframe. Continued reporting of these items without proper verification is inaccurate, misleading, and harmful to my credit standing.

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 2025-09-18 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: TX

Complaint narrative:
I am filing a complaint because I have not received any response to the dispute letter I submitted regarding the negative items reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to conduct a reasonable investigation and provide results within 30 days of receiving a dispute. By failing to respond, the bureau has neglected its legal obligation and denied me my right to an accurate and fair credit report. 

I am formally requesting that the disputed negative items be immediately removed from my credit report since no validation or investigation results have been provided within the legally required timeframe. Continued reporting of these items without proper verification is inaccurate, misleading, and harmful to my credit standing.

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 2025-09-18 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: OH

Complaint narrative:
This letter is a formal dispute and demand for the immediate removal of late payment status associated with the account listed below. This late mark is inaccurate, misleading, and/or unverifiable, and is causing unjust damage to my credit profile. 
XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
This account with XXXX XXXX XXXX is reporting as XXXX, XXXX, but the payment history being furnished is inaccurate and incomplete. Multiple months are listed as XXXX  ( XXXX XXXX  ) while other months reflect late payments. This creates inconsistent and unverifiable reporting. 

Under the Fair Credit Reporting Act ( FCRA ), information reported to the credit bureaus must be accurate, complete, and not misleading. Because this account has been paid in full, the current reporting of inconsistent late payments is not accurate or complete. 

I am requesting that XXXX XXXX XXXX XXXX this reporting to reflect an accurate history or remove the late payment history entirely. The way this account is currently being reported is unfairly harming my credit profile despite being satisfied in full.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because [ XXXX  XXXX XXXX  XXXX TransUnion ] is reporting obsolete accounts on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 
The following accounts remain on my report despite being older than the XXXX limit ( or XXXX  years in the case of XXXX  ) : Flagship Credit Acce Account XXXX XXXX XXXX ] Date of First Delinquency : [ XX/XX/year> ] I previously disputed these accounts directly with the bureau, referencing the following FCRA statutes XXXX FCRA XXXX ( a ) [ XXXX XXXX XXXXXXXX ( a ) ] Prohibits reporting adverse information beyond XXXX  years. 
FCRA XXXX ( b ) [ XXXX XXXX XXXXXXXX ( b ) ] Requires maximum possible accuracy. 
FCRA XXXX ( a ) [ XXXXXXXX XXXX XXXXXXXX ( a ) ] Requires reinvestigation of disputed items within XXXX  days. 
Despite my disputes, these accounts remain on my report, which means [ XXXX  XXXX XXXX  XXXX TransUnion ] is willfully reporting obsolete and inaccurate information.

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 2025-09-18 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXXXXXX XXXX  ] Account Number : [ 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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX  at XXXX XXXX XXXX, XXXX XXXX, NY XXXX allowed an unauthorized individual to remove {$5600.00} from an account. That person is a fraudster and brought in " legit '' legal documentation. That documentation was later declined by XXXXXXXX XXXX legal department as it should have. The worker, XXXX, allowed this individual, to take money out before getting an answer back from the legal team. This goes against banking policy. Unfortunately, her error led to a loss of that money. I made a case in XXXX. The case XXXX called me once, wouldn't return my calls afterward, and then deleted the case. I called and created a new case. They are supposed to call within XXXX hours. They didn't, and I've called in numerous times but am told that the case worker does not have a XXXX or email address. I even spoke with the area XXXX XXXX, but now he has stopped responding to me. You can't allow someone who isn't authorized to take money out of a bank account and then just ignore the person who is bringing this concern to your attention. My next step is to file a police report against this individual at the bank since XXXX  refuses to handle this situation appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: Lendmark Financial Services
State: NC

Complaint narrative:
On XX/XX/year> I sent a dispute letter to XXXX XXXX XXXX XXXX stating the following : XXXX XXXX has not provided any original creditor documentation or valid assignment records proving ownership of this alleged account. Reporting an account without proper validation violates the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ). Furthermore, under XXXX ( a ), the credit bureau is required to investigate disputed information and delete any account that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) listed on my credit report. As per FCRA and FDCPA regulations,

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 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
Company contacting me has received debt and can't prove that it legitimate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: PA

Complaint narrative:
My mom had started started to receive a bunch of letters from a company called CRI that I had owed money for student loans. They apparently were passed over these loans from a company called XXXX on XX/XX/XXXX. The only place I, or anyone in my family, had applied for student loans was through XXXX XXXX, which I still pay those loans today. The person I spoke to at CRI told me that these loans were being processed from XXXX at XXXX XXXX and my master 's at XXXX University. At XXXX, they were taking out loans on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. For XXXX, it was XX/XX/XXXX. These timelines match up when I was taking out loans with XXXX XXXX. As if today, CRI says I owe {$52000.00}. The outstanding principal is {$45000.00}, and the interest accrued is {$6900.00}. The company says I owe {$3400.00} on XX/XX/XXXX, which I am not paying because I never applied for these student loans. Because I am not paying it, my credit score has dropped to XXXX. This is affecting my every day life now. This is fraud and should be treated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MO

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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 FRAUDULENT INQUIRIES : XXXXXXXX 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 2025-09-18 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Reinserted Fraudulent Account and Violation of FCRA To Whom It May Concern, THIS IS MY FINAL WARNING, I am writing to formally dispute the re-insertion of a fraudulent account on my credit report without proper notification or re-investigation, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 5 ) ( B ). This provision mandates that if any previously deleted information is reinserted into a consumers file, the consumer reporting agency must notify the consumer in writing within five business days, along with the name, address, and phone number of the furnisher of the information.

No such notification was provided to me when this account was reinserted. 
XXXX XXXX XXXX # XXXX Additionally, this account is fraudulent and was previously disputed and removed after investigation. The unauthorized reappearance of this account without further validation is deeply concerning and negligent. I have not received any communication or evidence that a reinvestigation was conducted, as required by FCRA 15 U.S. Code 1681i.

Furthermore, I would like to emphasize that I was a victim of the XXXX Equifax data breach, which exposed sensitive personal information of over 147 million Americans. This breach has had a lasting impact on my financial security, and I have taken all necessary steps to monitor and protect my credit. It is unacceptable that, despite the known vulnerabilities resulting from this breach, Equifax would fail to follow proper procedures for re-investigating or notifying me regarding fraudulent activity. 
I am requesting the following : 1. Immediate removal of the reinserted fraudulent account from my credit file.

2. A written explanation of how and why this account was reinserted.

3. Documentation showing that a reinvestigation was conducted, if any, including : o The name of the furnisher, o The method of verification, o And the results of such investigation.

4. Assurance that my consumer rights under the FCRA will be fully respected moving forward.

If Equifax does not respond to this matter appropriately within 30 days, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office, and seek legal advice regarding your FCRA noncompliance and negligence in protecting my personal data.

Please confirm receipt of this dispute letter in writing and provide all requested documentation to the address listed above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation