vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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:
ustomer Service, I am writing to formally dispute an inaccurate entry related to my XXXX XXXX account that appears on my credit report. The closing date listed for this account is incorrect, and I respectfully request that it be investigated and corrected. 

According to my records and statements, the correct closing date for my account for the [ Month/Year ] billing cycle was [ Correct Date ], not [ Incorrect Date Shown on Credit Report ] as currently reported to the credit bureaus.

This discrepancy may negatively impact my credit utilization and credit score. I am including the following documentation to support my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
This is my second and final notice disputing the unauthorized student loan account appearing on my credit report. As previously stated, I have never applied for, authorized, or consented to this account being opened or reported. 

Pursuant to XXXX XXXX. XXXX of the XXXX XXXX, no financial institution XXXX disclose my nonpublic personal information ( NPI ) to any XXXX XXXX XXXX without my explicit consent. Reporting this alleged student loan to your agency constitutes an unlawful disclosure of my XXXX, as no such consent exists. 

Furthermore, your failure to remove this account after my initial dispute constitutes a willful violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), which requires you to conduct a proper investigation and remove unverifiable information within the statutory time limit. 

If this account is not permanently deleted from my credit report within XXXX  days of your receipt of this letter, I will have no choice but to take the following actions : XXXX. File formal complaints with the CFPB, FTC, and my XXXX Attorney XXXX XXXX. 
XXXX. Initiate legal action seeking statutory damages under both the FCRA and the XXXX XXXX. 
XXXX. Pursue claims for actual damages, attorneys fees, and punitive damages as allowed under XXXX XXXX. XXXX and related provisions. 

Consider this your final opportunity to resolve this matter amicably. Failure to comply will leave me no option but to escalate through all available legal remedies. 

This letter is being sent via XXXX Mail to document your receipt and establish a clear record for future legal proceedings.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TriVerity, Inc.
State: FL

Complaint narrative:
I have settled my account with community first I paid the collection agency that my debt was given to after the account has been settled, it's still reporting negative and showing a balance even after I disputed it it's still not updating. I reached out to the debt collection agency and they said it's not their responsibility to report that it's XXXX  XXXX  to report it I am requesting for my credit to be reported correctly and for the balance to reflect XXXX and settled per fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
In XX/XX/year>, during an XXXX  refinance with Rocket Mortgage ( Loan XXXX XXXX, XXXX  Case XXXX XXXXXXXX ), I was required to use {$74000.00} of my home equity to pay off XXXX creditors XXXX of which was in active dispute without my consent. The forced payoffs were : XXXX. XXXX XXXX XXXX {$24000.00} XXXX. XXXX XXXX XXXX  {$14000.00} XXXX. XXXX XXXX XXXX  {$14000.00} XXXX. XXXX XXXX XXXX {$11000.00} XXXX. XXXX XXXX  {$9900.00} These conditions were never disclosed in my XXXX XXXX or initial approval and were not negotiable. I was not allowed to negotiate settlements or continue disputes, including the account with XXXX XXXX XXXX which was already subject to formal validation requests and regulatory complaints. 

Rocket Mortgage bypassed me entirely, issuing full-pay checks directly to these creditors from my loan proceeds. This stripped nearly all available equity from the refinance and eliminated the financial benefit of the transaction. 

Additionally, my interest rate was set at 5.99 % at closing higher than the rate I was verbally quoted without any prior notice or documented justification. This increased my monthly mortgage payment by over {$1200.00} compared to what I was told to expect. 

I requested documentation explaining the payoff requirement and interest rate change, as well as the legal authority to force payment of disputed debts from my equity. Rocket Mortgage has failed to provide a complete and satisfactory response. 

This conduct has caused substantial financial harm, including depletion of home equity, higher ongoing mortgage payments, and loss of my rights to dispute certain debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written
consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written
consent.

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 2025-08-11 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: GA

Complaint narrative:
Experian and TransUnion has failed to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. these failures align with my experience, where Experian 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 's 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 explanation
Consumer complaint received 2025-08-11 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:
Inconsistent Reporting Between Bureaus - Date Last Active : o TransUnion : XX/XX/XXXX o Experian : XX/XX/XXXX o Equifax : XX/XX/XXXX ( This is a major inconsistency the same account should not have different " Date Last Active '' values ) - Comments : o TransUnion : " Profit and loss writeoff '' o Experian : ( blank ) o Equifax : " CHARGED OFF ACCOUNT XXXX' ( Uneven comment reporting across bureaus is another point to dispute ) - Monthly Payment : o TransUnion : {$0.00} o Equifax and Experian : - ( Reporting should be uniform if this account is closed/charged off ) Account Status - Charged Off but Still Reporting a Balance - Balance is reported as {$1500.00} despite the account being closed and charged off. 
( You XXXX be able to dispute that if the account was sold or transferred, it should show a {$0.00} balance with the original creditor ) Outdated or Re-aged XXXX XXXX XXXX Reported : As recent as XX/XX/XXXX and XX/XX/XXXX. 
[ If this is a charge-off from XXXX ( with last payment on XX/XX/XXXX ), the reporting of recent activity XXXX be considered re-aging, which is not allowed under the FCRA ] XXXX in Payment History - Equifax shows XXXX " CO '' ( charge-off ) entries even in months where TransUnion and Experian do not show any history. 

XXXX or XXXX XXXX - Experian does not report any payment history, comments, or high credit this could be considered incomplete data and might violate FCRA if not substantiated. 

This account was CHARGED OFF on the following date ( XX/XX/XXXX ). Since then, the account has repeatedly been updated as CHARGED OFF every month. This is an update in the payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly, and your neglect has violated my rights.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has come to my attention that an erroneous public record/bankruptcy continues to appear on my credit report without having been corrected. I therefore respectfully ask that the enclosed supporting materials be examined with due diligence to bring this issue to a complete resolution, allowing me to move forward without further concern.

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 2025-08-12 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 2025-08-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains a repossession entry that I believe is either inaccurate or can not be properly verified. Under 15 U.S. Code 1681e ( b ) and 1681i ( a ) ( 5 ), I have the right to a credit report that is fully accurate and reliable. I am requesting a thorough review of this repossession record, and if it can not be conclusively verified, I ask that it be removed from my credit file.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report contains a repossession entry that I believe is either inaccurate or can not be properly verified. Under 15 U.S. Code 1681e ( b ) and 1681i ( a ) ( 5 ), I have the right to a credit report that is fully accurate and reliable. I am requesting a thorough review of this repossession record, and if it can not be conclusively verified, I ask that it be removed from my credit file.

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 2025-08-12 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
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 non-monetary relief
Consumer complaint received 2025-08-11 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I am filing a complaint against Citibank , N.A . for willfully and negligently furnishing inaccurate and damaging information to the credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( prohibiting the reporting of information known to be inaccurate ), 1681s-2 ( b ) ( failure to correct after dispute ), and 1681e ( b ) ( failure to ensure maximum possible accuracy ). 

Citibank is reporting a derogatory tradeline on my credit file for an account that I never opened, never applied for, and was never contractually obligated to repay. The account in question ( Account XXXX XXXX XXXX XXXX XXXX XXXX ) was an employee-issued corporate travel card tied to my employers account, not a personal account. It was issued solely for a single work trip, used once, and promptly closed by the employer. 

The dashboard on the Citibank website confirmed there were no authorized users when the credit account was first furnished on my report, proving that Citibank has no authorization to report on my account. 

I was removed as an authorized user well before any delinquencies occurred and their own records report that there were no authorized users. Despite this, Citibank has : Improperly reported the account as mine with XXXX  days late status, a {$7100.00} original balance, and remarks of Canceled by credit grantor. 

Falsely assigned responsibility to me, only recently updating it to Terminated responsibility but still keeping the derogatory history, which never should have been linked to me. 

Damaged my credit standing by reporting this as a personal default, despite the fact that I had no legal obligation for the debt. 

By law, Citibank had an affirmative duty to ensure the accuracy of the information it furnished. Any reasonable review of their own records would confirm : The account was a corporate liability card, not an individual liability card. 

I never applied for, accepted responsibility for, nor was informed of any potential impact on my credit report and score and Citibank never disclosed any potential liability and has agreed I have none. 

I was removed as an authorized user before delinquency occurred. 

I was never the accountholder, borrower, or contractually liable party.

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 2025-08-12 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: OK

Complaint narrative:
Subject : Inaccurate, Unverifiable Credit Reporting - Request Immediate Deletion Complaint Details : 1. Inconsistent & Impossible Charge-Off Dates The credit report lists a charge-off period of " XX/XX/XXXX to XX/XX/XXXX, '' which is temporally impossible. 
Violation : FCRA 623 ( a ) ( 1 ) ( B ) and CFPB Regulation V ( 12 CFR 1022.42 ).

Demand : Delete this entry due to its impossibility.

2. Missing & Incomplete Payment History The payment history shows " XXXX XXXX '' for all of XXXX, then resumes negative reporting in XXXX. 
Violation : FCRA 607 ( b ) ( incomplete reporting ). 
Demand : Remove the entry if full history can not be provided.

3. Failure to Investigate Dispute I disputed this account in XX/XX/XXXX, but XXXX marked it " unchanged '' without explanation. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) and 12 CFR 1022.43 ( f ).

Demand : Delete due to lack of validation.

4. Invalid " Account Closed '' Status The report states " Account closed at credit grantor 's request '' but shows a past-due balance ( {$1300.00} as of XX/XX/XXXX ). 
Contradiction : Closed accounts can not accrue new late payments. 
Violation : FCRA 623 ( a ) ( 4 ).

Demand : Remove this misleading entry.

5. No Proof of Debt Ownership XXXX has never provided : - The original signed agreement - A complete transaction history - Proof of legal authority to report Violation : FCRA 623 ( a ) ( 8 ).

Demand : Delete if validation is unavailable. 

Final Request : Due to the inaccuracies and lack of verification, this account must be permanently deleted from my credit file.

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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. I have enclosed the necessary documentation to support my claim.

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