vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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 FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO TransUnion Experian and Equifax credit reports which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a student loan opened at XXXX on XXXX under account number XXXX a student loan opened at XXXX on XXXX under account number XXXX a student loan opened at XXXX on XXXX under account number XXXX and a student loan opened at XXXX on XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX 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 demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
I am disputing inaccurate mortgage payment history reporting by PennyMac Loan Services , LLC . These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 1 ) ( A ) duty to report with maximum possible accuracy. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> mortgage payment was the first payment missed in this sequence. 

Under credit reporting standards, a payment becomes 30 days late 30 days after the due date in this case, XX/XX/year>. 

PennyMac reported me as 30 days late on XX/XX/year>, before the XXXX threshold. 

This overstates my delinquency and caused premature movement into later delinquency buckets. 

XXXX. ) Duplicate and Inflated Delinquency Aging Because PennyMac started my late clock early, the same missed XXXX payment was reported as XXXX consecutive 6089 day lates ( XXXX and XX/XX/year> ). 

This is misleading, as it makes a single delinquency period appear as multiple severe delinquencies. 


XXXX. ) Failure to Update XX/XX/year> Status After Payoff I paid my mortgage in full on XX/XX/year>, as confirmed by PennyMacs payoff letter and my online account screenshot showing a {$0.00} balance. 

PennyMacs credit reporting date was XX/XX/year>. 

On that date, the account was current and closed, yet PennyMac reported it as XXXX  days late for XX/XX/year>. 

This is a clear inaccuracy, as the reporting did not reflect the actual account status as of the report date. 

XXXX. ) Harm Caused These inaccuracies have lowered my credit score, impacted my ability to obtain favorable financing, and caused reputational and financial harm. The reporting misrepresents the severity and duration of my delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My personal information was used by many different people companies and agencies while I was in prison. 

Now Im free my credit profile is completely inaccurate None of the debt or information belongs to me and the XXXX  major credit reporting agencies refuse to Erase old information addresses and accounts as well as old inquiries Which is keeping my credit score low and unable to sustain basic life or move from housing The in accurate and old information needs to be removed or corrected Or the agency should be contacting me

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
THE ACCOUNTS BELOW IS REPORTING INACCURATE ON MY PROFILE, PLEASE REMOVE ACCOUNTS ASAP. 

DEPT OF EDUCATION XXXX DATE OPENED XX/XX/year> BALANCE {$6000.00} DEPT OF EDUCATION XXXX DATE OPENED XX/XX/year> BALANCE {$3500.00} THE ABOVE NEGATIVE ACCOUNTS IS IMPACTING MY CREDIT SCORES, ALSO IT IS PROHIBITING ME FROM GETTING SHELTER.

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 2025-08-15 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: LA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act, I am disputing the following accounts. According to Section 609 ( a ) ( 1 ) ( A ), I have the right to request and receive evidence of account validation. Section 611 ( a ) ( 1 ) also requires a reasonable reinvestigation of disputed items. These accounts remain unverified. Please comply by removing them or providing legal proof of their legitimacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$810.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$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 2025-08-15 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: LA

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act, I am disputing the following accounts. According to Section 609 ( a ) ( 1 ) ( A ), I have the right to request and receive evidence of account validation. Section 611 ( a ) ( 1 ) also requires a reasonable reinvestigation of disputed items. These accounts remain unverified. Please comply by removing them or providing legal proof of their legitimacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$810.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-08-15 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: WA

Complaint narrative:
I am filing this formal complaint to EXPERIAN regarding your repeated failure to conduct a proper and lawful investigation into the accuracy of certain items on my credit report, in violation of the Fair Credit Reporting Act FCRA. Despite my prior disputes, you have failed to provide the required methods of verification for the information you continue to report. The law under FCRA section 1681i requires you to conduct a reasonable reinvestigation of disputed information, yet your responses have been inadequate and non-compliant. 

The specific accounts in question are XXXX XXXX XXXX XXXX XXXX  account number XXXX, opened XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, date filed XX/XX/XXXX, reference number XXXX, date settled XX/XX/XXXX. These items remain on my report despite the fact that you have not provided any documentation, data, or direct evidence showing how they were verified as accurate. Continuing to publish this information without the ability to properly substantiate it is a direct violation of FCRA section 1681e b, which requires maximum possible accuracy.

By failing to produce the methods of verification, you are also violating my rights under FCRA section 1681i a 6 B iii, which requires that the credit reporting agency provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and contact information of the party that furnished the disputed data. Without this, your so called investigation can not be considered valid under federal law. 

It is clear that your handling of this dispute constitutes an unreasonable and incomplete reinvestigation. Such conduct results in the continued reporting of inaccurate and unverifiable information, which causes ongoing damage to my creditworthiness and exposes EXPERIAN to potential legal action for actual and statutory damages, as well as attorneys fees.

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 2025-08-15 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: WA

Complaint narrative:
Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally disputing the reporting of a late payment on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the following months XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This information has been furnished to Experian, TransUnion, and Equifax and is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I've been contacting this company for months trying to get whatever this is off of my credit report. The information is inaccurate and in a violation of my consumer rights! I need this account deleted from my credit report as soon as possible. Its hurting my ability to obtain credit. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: KY

Complaint narrative:
I am submitting this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) reflected in my credit reports from XXXX XXXX XXXX XXXX 

Mixed File Issues : My credit reports contain personal information and accounts that do not belong to me, including variations of my name ( e.g., XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) and addresses in cities I have never lived in. These errors suggest my file has been merged with another consumers, violating FCRA 604 and 609.

Inaccurate Account Reporting : Several accounts are listed with incorrect statuses, including charged-off auto loans that were settled or paid, and duplicate student loan entries with inconsistent balances. These inaccuracies violate FCRA 611, which requires credit bureaus to maintain maximum possible accuracy. 

Failure to Investigate : I have disputed these items directly with the credit bureaus and creditors, but the responses have been inadequate or nonexistent. I provided documentation and requested reinvestigation under FCRA 611 ( a ), yet the errors persist. 

These reporting errors are materially affecting my creditworthiness and ability to access fair financial opportunities. I am requesting that the CFPB investigate these violations and compel the credit bureaus and furnishers to correct the inaccurate information, remove unauthorized data, and provide a full reinvestigation 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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I am submitting this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) reflected in my credit reports from XXXX XXXX XXXX XXXX 

Mixed File Issues : My credit reports contain personal information and accounts that do not belong to me, including variations of my name ( e.g., XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) and addresses in cities I have never lived in. These errors suggest my file has been merged with another consumers, violating FCRA 604 and 609.

Inaccurate Account Reporting : Several accounts are listed with incorrect statuses, including charged-off auto loans that were settled or paid, and duplicate student loan entries with inconsistent balances. These inaccuracies violate FCRA 611, which requires credit bureaus to maintain maximum possible accuracy. 

Failure to Investigate : I have disputed these items directly with the credit bureaus and creditors, but the responses have been inadequate or nonexistent. I provided documentation and requested reinvestigation under FCRA 611 ( a ), yet the errors persist. 

These reporting errors are materially affecting my creditworthiness and ability to access fair financial opportunities. I am requesting that the CFPB investigate these violations and compel the credit bureaus and furnishers to correct the inaccurate information, remove unauthorized data, and provide a full reinvestigation 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 explanation
Consumer complaint received 2025-08-15 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:
hey, Take the items off my report I did not aprove them bc of identity theft. cler my credit report to corect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. 
I am filing this complaint against Experian for their continued reporting of a late payment accounts on my credit report which are XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

I previously submitted a formal dispute regarding this inaccurate entry, yet Experian failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Experian appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation.

Further, under FCRA 607 ( b ), Experian has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that in XX/XX/2025, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data .. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Experian to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. 
I have attached my formal dispute letter dated XX/XX/2025, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

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 2025-08-15 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: CA

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. 
I am filing this complaint against Equifax for their continued reporting of a late payment accounts on my credit report which are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation.

Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements .. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. 
I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: DE

Complaint narrative:
see a agency on my credit report I never authorized to run my credit its been on my credit report for 5 years and it's an inquiry. I never gave them permission to run my credit this is illegal and I want it removed.

Company response to consumer: Closed with explanation