vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: TX

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 2025-08-09 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: TX

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 2025-08-09 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: PA

Complaint narrative:
This my second written notice disputing the inaccurate late payment information reported on my XXXX account for XXXX, XXXX, and XX/XX/XXXX. In addition, XXXX XXXX for XX/XX/XXXX. I previously submitted a dispute and provided supporting details, yet the inaccurate information remains on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S.C. 1681i ( a ) you are required to conduct a reasonable reinvestigation of any disputed information. A reasonable investigation is more than simply checking a computer record ; it requires contacting the original creditor and verifying the accuracy of the information with supporting evidence. 
The courts have made it clear that : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) A credit bureaus investigation must be more than a mere parroting of information received from the creditor. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Failure to conduct an independent, reasonable investigation can result in liability under the FCRA. 
XXXX v. XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnishers must conduct an investigation that goes beyond simply confirming internal records ; they must verify accuracy with supporting documentation. 
Furthermore, 15 U.S.C. 1666b ( a ) ( Timing of Payments ) requires that payments received by a creditor before the creditors designated cut-off time must be credited as of the date of receipt. My payments were made on time and within the required cut-off period, which makes the reporting of a late payment both factually and legally inaccurate. 
At this time, I am demanding : 1. The name, job title, and contact information of the Affirm representative you spoke to during your investigation.

2. Copies of any documents, screenshots, account notes, or payment records Affirm provided to support the alleged late payments.

3. A detailed description of the exact steps you took to verify this information, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 
If you can not provide documentary proof of the late payments, you are obligated under FCRA 1681i ( a ) ( 5 ) ( A ) to delete this information from my credit file immediately. 
This letter serves as formal notice that if you fail to comply, you will be in willful violation of the FCRA and 15 U.S.C. 1666b ( a ), subjecting you to potential civil liability under 15 U.S.C. 1681n and 1681o. I will not hesitate to exercise my rights in federal court if necessary. 
I expect your full compliance within the required 30-day time frame and request written confirmation of the results of your reinvestigation.

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 2025-08-09 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-09 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: MN

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-09 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:
Im filing a complaint, because my creditors are reporting late payments on my accounts. Which are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher. But the late payments remain, without proper validation or documentation. It is my knowledge that the creditors failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as Late a sign of an invoicing error therefore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> - {$1000.00} 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 explanation
Consumer complaint received 2025-08-09 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:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> - {$1000.00} 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 non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CL Holdings LLC
State: CA

Complaint narrative:
In my name, a credit card was opened, and the physical credit card was stolen from my mailbox and was used by someone else. I informed the credit card company repeatedly of this theft, and the account is still not closed, even after completing a fraud claim form according to their instructions. Now, the matter has been sent to a collection agency, which is demanding money to pay the charges and adding an additional fee. There has been several attempts to have the account delinquent removed from my credit report with no success. It would be greatly appreciated if you could contact me as soon as possible to assist me with this matter. Thank you {$1100.00} - XXXX XXXX XXXX XXXX {$1300.00} - FROM XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-08-09 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: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
I was referred to a collection agency ( Sunrise Credit Services ) for a credit card account with XXXX XXXX  after losing my job during the Covid-19 pandemic. In late XXXX, I was finally able to pay the debt in full to the collection agency assigned by XXXX XXXX. Sunrise Credit Services provided a receipt of payment, and their portal reflected that the debt had been fully settled. 

However, a few months later, I began receiving calls from another collection agency regarding the same debt. I explained that the debt had already been paid and contacted Sunrise Credit Services to confirm. They instructed me to email proof of payment and relevant details, which I did multiple times. Unfortunately, my attempts to communicate with them via email went unanswered. When I called Sunrise Credit Services directly, they refused to assist me, stating that the debt was no longer assigned to them. I explained that payment had been made to them while they were handling the account, but they insisted there was nothing they could do and referred me back to XXXX XXXX. 

I then contacted XXXX XXXX, who instructed me to fax the necessary documentation and details of the issue. After complying, XXXX XXXX  claimed they had not received the payment from the collection agency and redirected me back to Sunrise Credit Services. When I made another attempt to resolve the matter with Sunrise, they again refused to help and continued to refer me back to XXXX XXXX. 

Feeling helpless as both companies failed to resolve the issue, I filed a dispute with XXXX. However, XXXX  closed the dispute, stating that the debt was valid and confirmed as active by XXXX XXXX. In every communication with Sunrise Credit Services, XXXX XXXX, and XXXX, I provided clear documentation showing that the debt had been paid. This included a receipt from Sunrise Credit Services, a screenshot from their portal confirming the payment, an official bank statement, and a screenshot of the specific transactionall of which clearly demonstrate that the debt was settled in full. 

This process feels deeply flawed and leaves consumers with little recourse, even when they have acted in good faith to resolve their debts with creditors.

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 2025-08-09 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: WA

Complaint narrative:
I was referred to a collection agency ( XXXX XXXX XXXX ) for a credit card account with XXXX XXXX  after losing my job during the Covid-19 pandemic. In late XXXX, I was finally able to pay the debt in full to the collection agency assigned by XXXX XXXX. XXXX XXXX XXXX provided a receipt of payment, and their portal reflected that the debt had been fully settled. 

However, a few months later, I began receiving calls from another collection agency regarding the same debt. I explained that the debt had already been paid and contacted XXXX XXXX XXXX to confirm. They instructed me to email proof of payment and relevant details, which I did multiple times. Unfortunately, my attempts to communicate with them via email went unanswered. When I called XXXX XXXX XXXX directly, they refused to assist me, stating that the debt was no longer assigned to them. I explained that payment had been made to them while they were handling the account, but they insisted there was nothing they could do and referred me back to XXXX XXXX. 

I then contacted XXXX XXXX, who instructed me to fax the necessary documentation and details of the issue. After complying, XXXX XXXX  claimed they had not received the payment from the collection agency and redirected me back to XXXX XXXX XXXX. When I made another attempt to resolve the matter with XXXX, they again refused to help and continued to refer me back to XXXX XXXX. 

Feeling helpless as both companies failed to resolve the issue, I filed a dispute with Experian. However, Experian closed the dispute, stating that the debt was valid and confirmed as active by XXXX XXXX. In every communication with XXXX XXXX XXXX, XXXX XXXX, and Experian, I provided clear documentation showing that the debt had been paid. This included a receipt from XXXX XXXX XXXX, a screenshot from their portal confirming the payment, an official bank statement, and a screenshot of the specific transactionall of which clearly demonstrate that the debt was settled in full. 

This process feels deeply flawed and leaves consumers with little recourse, even when they have acted in good faith to resolve their debts with creditors.

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 2025-08-09 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-09 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SN SERVICING CORPORATION
State: PA

Complaint narrative:
In XXXX of XXXX I applied for and was granted a trial modification. In the intial paperwork sent in XXXX it had three signatures required, Co-borrower, the person that will be assuming and I. When I sent the paperwork back I was asked why the Co-borrower signature was not attached. I provided the company my divorce decree and warranty deed that the Co-borrower signed in XXXX. In the trial modification paperwork it states that if the Co-borrower is deceased or if a divorce the Co-borrower gave up rights to the property he/she did not have to sign. 
I made 11 payments in the trial and was sent the permanent modification with my signature and the assuming party minus the Co-borrower. We both signed the paperwork had it notarized and I returned it in XXXX of XXXX. The company relayed they received the paperwork. In XXXX of XXXX I received a denial letter stating during the the trial period I was late making payments and the modification is denied. 
I reapplied for a modification in XXXX of XXXX. I was approved and the trial paperwork was sent to me in XXXX of XXXX. The paperwork only had the assuming party and my signature required. We both signed and returned the paperwork. I made all the required payments on time. In XXXX of XXXX I reached out to the company regarding the permanent modification. When I talked to my account manager she stated I needed the Co-borrower to sign off on the paperwork or the modification will be denied. I relayed to the account manager that I provided the company with my divorce decree and warranty deed back in XXXX and she has no interest in the property. The account manager said she will get back to me. 7 weeks later I get a call that she has to sign or you will get denied the end of XXXX. I reached out to the Co-borrower with no luck. I provided the account manager with the last contact information that I had phone numbers, emails etc. 
XX/XX/XXXX I received a call from the account manager that my permanent modification was denied due to the Co-borrower refusing to sign off. I asked why a year ago I was sent permanent modification paperwork that did not require her signature and was told things have changed and my denial was in the mail. 
I believe that my rights have been violated as the company is finding ways to not issue me a permanent modification. I made sure that every payment was on time. This was not your typical modification as my trial payments where close to {$1000.00} more at {$2800.00} instead of {$1900.00}.

Company response to consumer: Closed with explanation