vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
n accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 U.S.C 1681. XXXX XXXX XXXX acct XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy 15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 non-monetary relief
Consumer complaint received 2025-10-16 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
Dear Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: VA

Complaint narrative:
I am writing to formally document and protest the pattern of sham investigations and stall tactics that your bureaus have continuously engaged in while handling my credit disputes. These actions are clear violations of the Fair Credit Reporting Act ( FCRA ) specifically Sections 602, 607 ( b ), 611 ( a ), and 623 ( b ) which require credit reporting agencies to ensure maximum possible accuracy and to conduct reasonable reinvestigations of disputed information.

Despite submitting multiple disputes with sufficient identification, notarized documents, and evidence from original creditors confirming inaccuracies, your agencies have willfully failed to conduct legitimate reinvestigations. Instead, each of your bureaus has : 1. Relied on automated e-Oscar verification systems that rubber-stamp results rather than performing any real human review.

2. Used unreliable third-party data brokers, such as XXXX, whose databases are known to contain outdated, incomplete, and unverifiable information.

3. Issued generic stall letters claiming insufficient information despite receiving full documentation, including copies of my ID, Social Security card, proof of address, and creditor correspondence.

4. Repeatedly closed disputes without addressing the substance of my claims, often returning the same unverifiable results within daysan impossible timeframe for any legitimate reinvestigation.

These deliberate tactics are designed to delay compliance, discourage consumers from pursuing corrections, and protect data furnishers and internal error rates rather than uphold federal law. Such practices violate not only the FCRA but also the core principles of fairness and accountability your agencies are obligated to maintain.

As a result of your ongoing misconduct, I have suffered : Credit denials and loss of financing opportunities Emotional distress and mental anguish Loss of time and resources repeatedly disputing the same inaccuracies Reputational damage caused by false and unverifiable 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 non-monetary relief
Consumer complaint received 2025-10-16 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: VA

Complaint narrative:
I am writing to formally document and protest the pattern of sham investigations and stall tactics that your bureaus have continuously engaged in while handling my credit disputes. These actions are clear violations of the Fair Credit Reporting Act ( FCRA ) specifically Sections 602, 607 ( b ), 611 ( a ), and 623 ( b ) which require credit reporting agencies to ensure maximum possible accuracy and to conduct reasonable reinvestigations of disputed information.

Despite submitting multiple disputes with sufficient identification, notarized documents, and evidence from original creditors confirming inaccuracies, your agencies have willfully failed to conduct legitimate reinvestigations. Instead, each of your bureaus has : 1. Relied on automated e-Oscar verification systems that rubber-stamp results rather than performing any real human review.

2. Used unreliable third-party data brokers, such as XXXX, whose databases are known to contain outdated, incomplete, and unverifiable information.

3. Issued generic stall letters claiming insufficient information despite receiving full documentation, including copies of my ID, Social Security card, proof of address, and creditor correspondence.

4. Repeatedly closed disputes without addressing the substance of my claims, often returning the same unverifiable results within daysan impossible timeframe for any legitimate reinvestigation.

These deliberate tactics are designed to delay compliance, discourage consumers from pursuing corrections, and protect data furnishers and internal error rates rather than uphold federal law. Such practices violate not only the FCRA but also the core principles of fairness and accountability your agencies are obligated to maintain.

As a result of your ongoing misconduct, I have suffered : Credit denials and loss of financing opportunities Emotional distress and mental anguish Loss of time and resources repeatedly disputing the same inaccuracies Reputational damage caused by false and unverifiable reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
A reoccurring charge on my citi double cash card for XXXX XXXX  for XXXX date was XX/XX/XXXX. 
This could very well be a legitimate charge however I dont know what its for. 
Transaction XXXX XXXX 
XXXX XXXX  had no information that a charge even occurred. 
The representative from the bank kept asking me if I remember making the chargeXXXX  but couldn't tell me what the charge was for so how can I even begin to remember making it? 
I would like to know the company that was paid so if it's a subscription I no longer want or need i can cancel it.thanks

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 2025-10-16 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: MA

Complaint narrative:
XXXXThank you for allowing me to address the inaccuracies present on my credit reports. I was unaware of these discrepancies and have not reached out to the respective companies, as I am currently in the process of applying for a student loan, making time a critical factor. The charges in question include amounts fromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYour assistance in resolving this matter is greatly appreciatedXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: MA

Complaint narrative:
XXXXThank you for allowing me to address the inaccuracies present on my credit reports. I was unaware of these discrepancies and have not reached out to the respective companies, as I am currently in the process of applying for a student loan, making time a critical factor. The charges in question include amounts fromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYour assistance in resolving this matter is greatly appreciated."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: MA

Complaint narrative:
XXXXThank you for allowing me to address the inaccuracies present on my credit reports. I was unaware of these discrepancies and have not reached out to the respective companies, as I am currently in the process of applying for a student loan, making time a critical factor. The charges in question include amounts fromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYour assistance in resolving this matter is 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 non-monetary relief
Consumer complaint received 2025-10-16 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: AZ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report in violation of 15 U.S.C. 1681e, which requires that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy. Upon reviewing my credit report, I discovered that Navy Federal Credit Union ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) has reported late payments on my account. This information is inaccurate and does not reflect the true payment history of my account. I have made all payments on time for the full duration of this loan, and my account should reflect this accurate payment history. Under 15 U.S.C. 1681e, you are required to follow reasonable procedures to ensure the accuracy of the information you report. I am requesting that you conduct a thorough investigation into this matter and correct my payment history to accurately reflect that all payments have been made on time. Please update my credit report immediately to show my complete and accurate on-time payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Faloni Law Group
State: NJ

Complaint narrative:
Faloni Law Group has refused to send a letter to my employer to let them know that this debt is satisfied and to no longer attach my wages. I have email them NUMEROUS times. The reply is always the same, " we are waiting to hear back from the court officer ''. I am now over {$1000.00} overpaid on this debt. This matter was satisified by the court IN WRITING ( attached ) on XX/XX/year>. Here we are almost XXXX  months now, and they ( Faloni Law Group ) have done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AL

Complaint narrative:
Dear Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Synovus Bank
State: FL

Complaint narrative:
During the past XXXX or XXXX  months ... The staff at XXXX Bank has made false accusations about me to state and local authorities .. I would like to know which person or persons is responsible.... This has caused great stress and jeopardized my reputation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Southwest Business Corporation
State: TX

Complaint narrative:
I am submitting this complaint regarding improper mortgage servicing practices by SWBC Mortgage Corporation and its affiliated collection firm, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

My mortgage loan ending in XXXX, for my primary residence at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, has been paid timely and consistently through XX/XX/year>, as proven by SWBCs own payment confirmations and monthly statements. Despite this, I received a delinquency notice in 2025 claiming my account was over 120 days past due. I was never served in person, never sent any certified delinquency or foreclosure notice, and had not been advised of any default prior to that mailing. 

SWBC has failed to : Properly credit payments and maintain accurate servicing records ( 12 C.F.R. 1026.36 ( c ) ) ; Provide accurate and timely delinquency or loss-mitigation notices ( 12 C.F.R. 1024.39 ) ; Respond to qualified written requests and error-resolution letters ( 12 C.F.R. 1024.35 & 1024.36 ).

These failures have caused inaccurate delinquency reporting, unnecessary stress, and potential harm to my credit. I have since mailed certified RESPA Reg X Error Resolution and Information Request letters to both SWBC Mortgage and the law firm, seeking full documentation of my account history and immediate correction of any errors.

I request that the CFPB require SWBC Mortgage Corporation to : 1. Provide a complete and accurate loan payment history through XX/XX/year> ; XXXX. Correct any misapplied payments or servicing errors ; 3. Cease collection activity and negative credit reporting until this investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
XXXX XXXX  I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XXXX XXXX XXXX XXXX XXXX per USPS Tracking  XXXX XXXX XXXX XXXX XXXX XXXX  . This correspondence requested prompt investigation and correction or deletion of the following accounts:\n XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAfter receiving no response or update regarding the investigation within the time required by law, I sent a second letter on  XXXX reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.'

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 2025-10-16 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-16 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX XXXX XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX  Account number : XXXX 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 any 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 of 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