vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Fidelity Properties Inc.
State: OH

Complaint narrative:
I make regular monthly payments to Fidelity XXXX for my medical debt. They have switched the billing from my name to my husband 's name. I've repeatedly asked them to change this. These bills are my debt, and my debt alone. Even the insurance was in my name only. Could you please help me? I've never missed a payment not in years, I have XXXX  of XXXX  in medical debt can this please be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
I submitted a formal dispute to Experian regarding several inaccurate and fraudulent items appearing on my credit report. These disputes were accompanied by supporting documentation, including an identity theft report and government-issued identification. Despite clearly outlining the inaccuracies and requesting reinvestigation as allowed under the Fair Credit Reporting Act ( FCRA ), Experian failed to take any action. The disputed accounts remain on my report without any changes or explanation, and no proper investigation appears to have been conducted. I believe Experian is neglecting their duty to respond in a timely and lawful manner.

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 2025-07-25 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX  anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am filing this formal complaint against Affirm Inc for their failure to respond to my written request regarding an alleged charge-off account being reported to the credit bureaus. 

Details of the Account : Creditor Name : Affirm Inc Account Number ( last 4 digits ) : XXXX Original Balance : {$430.00} Outstanding Balance : {$78.00} Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Current Status : Charge-Off On XX/XX/XXXX and XX/XX/XXXX, I mailed a pay-for-delete request asking Affirm to validate the account and offering to resolve the balance in exchange for removal from my credit report. I received no response, and they continue to report the account as a charge-off. This failure to respond violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: TX

Complaint narrative:
XXXX XXXX had unauthorized access to U.S. Department of Education records, including student loan data, violating FERPA ( 20 U.S.C. 1232g ). This is a serious breach of privacy, and I am demanding full forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I closed my account with chime and still had {$50.00} in the account. They were to issue my money and I did not receive it until XXXX XXXX  later

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This complaint is not being submitted in error. My credit report contains inaccurate and unverifiable information that fails to meet the legally required standard of maximum possible accuracy, as outlined under the Fair Credit Reporting Act ( FCRA ). These reporting errors are causing ongoing and substantial harm to my financial well-being and personal life. 

This situation is unacceptable and is placing an undue burden on me during an already challenging time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To Whom It May Concern, This is a formal complaint against Equifax for its ongoing willful and negligent violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ). 
On or around XX/XX/XXXX, I submitted a detailed and legally substantiated dispute letter to Equifax, demanding the deletion or correction of several inaccurate and unverifiable tradelines, as outlined under FCRA 1681i ( a ) ( 1 ) ( A ) and 609 ( a ) ( 1 ) ( A ). 
Despite providing clear notice, Equifax has failed to remove the following accounts which remain derogatorily and inaccurately reported on my credit profile : - XXXX  XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX XXXX XXXX - Account # XXXX - XXXX XXXX XXXX - Account # XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and others My letter also explicitly invoked my rights under : - FCRA 1681b : No permissible purpose for continued reporting - FCRA 604A ( 2 ) : No written instruction for furnishing consumer report data - FCRA 602A : Right to privacy and accurate data handling Additionally, I referenced the XXXX Equifax Data Breach ( FTC Docket No. XXXX ) as evidence of widespread data integrity issues and questionable reliability of any data being reported without further substantiation. 
What I Demand : I am demanding CFPB oversight and enforcement to compel Equifax to : XXXX. Immediately delete all unverified or inaccurate accounts and late payments XXXX. Cease reporting of data without full legal documentation of : - Original contracts - Permissible purpose - Full billing/payment history- Verification of delinquency notifications XXXX. Provide written confirmation of removal actions taken within XXXX  XXXX  Supporting Documentation : - Dispute letter mailed to Equifax ( certified mail ) - MyFICO and Equifax reports showing ongoing inaccurate entries - Evidence of XXXX breach and systemic violations - Upload available upon CFPB request Closing : Equifax is in violation of multiple federal laws and continues to cause measurable emotional distress, credit denials, and reputational harm by refusing to correct these errors. 
This complaint is being filed to exhaust administrative remedies before legal action is initiated under 15 U.S.C 1681n and 1681o. 
I respectfully request CFPB intervention to ensure Equifax complies with federal law and my consumer rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am in disagreement with the accounts listed below that still show on my credit report even after investigation. I would like these items immediately reinvestigated. The inaccuracies are highly injurious to my credit score 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 In accordance with the fair debt reporting act, Public law 91-506, Title VI, Section 611, subsection A-D. please provide the names and business addresses of the individuals whom you verified the information with so that I may follow up. Please provide me with an updated credit report after you have completed your investigation and any corrections are made. Your cooperation is greatly appreciated. 

Proof of address is attached to this complaint

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: LA

Complaint narrative:
these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX Open Date : XX/XX/XXXX XXXX XXXX  XXXX  Open Date : XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX Inquired on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I am a co-borrower on a mortgage with Mr. Cooper. I was awarded the property through a divorce and have been working in good faith to complete a loan modification. What i was advised by a mr cooper associate to do. Divorce was coming to an end and i was only 2 months behind but was eligible for a personal loan in coming month. I wasnt sure to pay what was past due or apply for a mod and try to clean my credit with the loan i was getting. The woman told me dont worry, to start working toward cleaning up credit for the assumption process. Despite multiple attempts to submit modification fully completed, notarized documents, Mr. Cooper has repeatedly rejected them for increasingly minor and inconsistent reasons. 

Rejections have included : A printed comma after the year ( which was part of the document, not added by the notary ) Use of XX/XX/XXXX instead of XX/XX/XXXX A signature being illegible despite matching every prior document and internal records Incorrect claims that dates were not added when they clearly were. Most recent being one of my XXXX looks like it could be a XXXX Each time I correct and return documents, I receive a different reason for rejection than what I was previously told. None of which matches their actual official denial document. These delays have not been caused by me, yet I am being pushed to the brink of foreclosure. When i asked to speak to supervisor due to conflicting answers I was told a supervisor would be in contact with me the day the papers are due. 

I am now being told foreclosure will proceed in 5 days unless I return the latest set of documents, which I am doing. The borrower ( ex-spouse ) has signed and will re-sign with their own notary again on Monday ( the day before the deadline ). I have done everything within my power to comply. This has been a horrible experience mentally and emotionally. The worst part is not one person has contacted me any of the 3 times to tell me the papers were not accepted. I found out by calling them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation