vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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 formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX BALANCED : {$0.00} XXXX  XXXX BALANCED {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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 formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX BALANCED : {$0.00} XXXX  XXXX BALANCED {$0.00}

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 explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to respectfully request the reconsideration and reopening of my four Citi credit card accounts, which were closed on XX/XX/XXXX, due to a returned payment.

Since that time, through today, XX/XX/XXXX, I have remained fully compliant and have made all of my payments on time. I have worked diligently to rebuild and maintain my financial stability, and I have consistently demonstrated responsibility and reliability in my obligations.

As a business owner of an accounting firm that has been operating successfully for more than ten years, I deeply value Citis services and the trust and credibility that my relationship with Citi has supported in both my personal and professional life. I had built a very strong history with my Citi AAdvantage accountsboth personal and businessand have always taken pride in being a loyal cardholder. 

For reference, my AAdvantage membership details are as follows : AAdvantage Number : XXXX Member Since : XX/XX/XXXX XXXX Miler Miles : XXXX The benefits, points, miles, and history I have accumulated represent years of loyalty and consistent use. I would truly hate to lose the AAdvantage status and history that I worked so hard to build across many years, especially over a one-time, isolated event.

The reason for the returned payment last year was the result of unfortunate and extraordinary circumstances beyond my control. Thankfully, those challenges have been resolved, and my financial situation has greatly improved. I respectfully request that Citi view this matter in the broader context of my long history as a responsible customer and loyal cardholder.

I strongly value my relationship with Citi and want nothing more than to continue it with the same accounts I have held for so long. Reinstating my accounts would allow me to further grow my loyalty and reaffirm the mutual respect and trust that has defined our relationship.

Thank you very much for your time and consideration. I am hopeful that you will review my request favorably and restore my accounts so that I can continue my journey with Citi.

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 2025-08-19 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: NJ

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.

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXXXXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXXXXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NC

Complaint narrative:
I am writing to formally request the blocking of fraudulent hard inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S. Code 1681c-2 ), which requires credit reporting agencies to block such information upon proper notice and documentation.

The following fraudulent hard inquiries were initiated without my knowledge or authorization.

The fraudulent inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN.

3. Proof of my current address.

All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required.

Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly.

This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
I am submitting this complaint against Equifax and TransUnion for their continued failure to comply with the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). Despite three dispute submissions beginning more than 35 days ago, both bureaus continue to report inaccurate late payments without providing any documentation or lawful verification.

This complaint is being submitted directly by me, XXXX XXXX, not by a third party.

Disputed Account : Late Payment ( Open ) XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I previously identified that this reporting may constitute a billing error under 15 U.S.C. 1666 ( b ) due to : Failure to correctly post or credit timely payments Computation or accounting errors by the creditor Failure to send a billing statement at least 21 days before the due date, which makes the late payment reporting legally invalid Violations by Equifax and TransUnion : Failure to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i ( a ) ) Failure to provide the method of verification including the name and contact information of the furnisher ( 15 U.S.C. 1681i ( a ) ( 7 ) ) Failure to maintain maximum possible accuracy in consumer reports ( 15 U.S.C. 1681e ( b ) ) To date, neither bureau has provided any documentary proof to substantiate the reported late payment. Instead, they have allowed inaccurate information to remain on my credit file in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
Formal Complaint Against LoanCare for Violations of RESPA/Regulation X and FCRA Dear Sir or Madam : This letter serves as a formal complaint regarding the servicing of my mortgage loan account number XXXX, which is serviced by LoanCare. I have identified serious and consequential violations of the Real Estate Settlement Procedures Act ( RESPA ), its implementing Regulation X, and the Fair Credit Reporting Act ( FCRA ). 

For over 3 years, I maintained a consistent monthly payment of {$2600.00} for my mortgage, which includes a principal, interest, and additional for an escrow component. As of XX/XX/2025, I adjusted my payment to {$2400.00}, which represented the principal and interest portion of my loan. I did so without having received any notification from LoanCare of a payment increase, despite the servicer 's obligation to provide a timely escrow account statement. 

In XX/XX/2025 when I called due to a late alert received from XXXX, I was informed by LoanCare that my payments were being held in a suspense account because my mortgage payment had increased to {$2700.00}. I never received any prior notification of this increase. Despite having remitted a payment of {$2400.00}, which represented my full principal and interest payment, LoanCare has failed to apply the funds and has reported my account as 30 days past due to at least XXXX credit bureau. 

This conduct appears to be in direct violation of RESPA and Regulation X, specifically the failure to provide a timely escrow statement and notice of payment changes. Furthermore, the reporting of a late payment to my credit file is a violation of the FCRA, as the information is inaccurate. My XXXX  report from XX/XX/2025, and XX/XX/XXXX, shows a XXXX late payment, while my XXXX  and XXXX  report from the same date shows the account as paid as agreed. This contradictory reporting confirms a fundamental inaccuracy. 

I have previously disputed the inaccurate reporting with the credit bureaus, and my XXXX  report indicates that the dispute was re-verified by the furnisher, LoanCare, with a note stating, " Completed investigation of FCRA dispute-consumer disagrees. '' This demonstrates that LoanCare has failed in its legal duty to conduct a reasonable investigation and correct inaccurate information. 

I am requesting that the CFPB investigate LoanCare for these violations, compel them to immediately correct the inaccurate credit reporting, and require them to provide a full accounting of my escrow account. I am prepared to provide any additional documentation required to support my complaint.

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 2025-08-19 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-19 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-08-19 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
Dear Experian, I am writing to formally dispute the reporting of a charged-off account listed on my credit report. The account in question is reported as : Creditor : XXXX XXXX Account Number : XXXX Reported Status : Charged-Off Date Opened : XXXX Balance : {$1000.00} Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation into this matter. I am disputing the accuracy and/or completeness of the information being reported. Specifically, I request verification of the account details, including : The original signed contract or agreement bearing my signature. 

A complete payment history from the opening to the charge-off date. 

Proof of ownership of the debt by the reporting creditor at the time of the charge-off. 

Evidence that the charge-off was reported accurately and in compliance with federal regulations. 

If the account can not be verified or validated within the time allowed by law ( 30 days from receipt of this letter ), I respectfully request that it be deleted from my credit report in accordance with FCRA 611.

Please notify me in writing of the results of your investigation. If any changes are made, I also request that you send an updated copy of my credit report reflecting the correction. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-08-19 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: PA

Complaint narrative:
Under Metro 2 XXXX  XXXX ( Maintaining Accuracy, Integrity, and Consistency ), only inaccurately reported accounts should be deleted. The attached report shows multiple material inconsistencies across bureaus for the same tradelines ( XXXX  : high credit & last payment conflicts ; XXXX XXXX : high credit set to {$0.00} on Experian and contradictory month statuses ; XXXX : different last-payment dates and month statuses ). Because furnishers/CRAs can not reconcile a single accurate record, these tradelines are inaccurate and must be corrected immediately or deleted pursuant to Metro 2 and FCRA accuracy requirements.

I have filed repeated complaints against multiple furnishers ( XXXX XXXX XXXX XXXX ) and all three credit bureaus ( Experian, Equifax, TransUnion ). Despite years of disputes, my reports remain inaccurate. I have made it extremely easy for you every inaccuracy is highlighted and documented. There is no excuse for continued reporting of false data. If these inaccurate accounts are not deleted immediately, I will escalate this beyond CFPB to state and federal authorities, including the Attorney General. At this stage, anything less than deletion within 24 hours is unacceptable.

The continued reporting of the same inaccuracies, despite multiple disputes, demonstrates either a fundamental failure in your automated Metro 2 reporting systems or a complete lack of meaningful human review under FCRA 1681i. Either way, the result is inaccurate, unverifiable reporting that must be deleted. At this point, further excuses are unacceptable the accounts should be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief