vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
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 2025-10-20 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/year> -Balance {$7200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Credit Sage LLC

Complaint narrative:
I worked remotely for XXXX XXXX, a XXXX credit repair company, as part of their Customer Service XXXX XXXX My compensation was based on a fixed base salary plus performance-based commissions, clearly outlined in my agreement and tracked via XXXX ( their payroll and HR platform ). 

While I received my base salary for the final pay period ( amounting to {XXXX  ), I did not receive my earned commissions, which I estimate at approximately {$1300.00}. This includes XXXX billed invoices and an additional performance bonus ( SSS Bonus ). 

On XX/XX/year>, I was abruptly terminated without any prior notice or explanation. I was removed from all company communication channels, including XXXX. Despite multiple follow-up emails requesting clarification and payment of the outstanding commission, I have received no response from the company to date. 

I reviewed my employment agreement and found no clause that nullifies my right to earned commissions upon termination. There was no formal misconduct process, disciplinary action, or proof provided that would justify withholding payment. 

As of today, the company continues to withhold earned wages in violation of labor regulations, and I am filing this complaint to pursue the outstanding compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
b'Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit\nreport under Section 605B of the Fair Credit Reporting Act.\nThe specific information I am disputing is as follows:\nFRAUDULENT ACCOUNTSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXFRAUDULENT INQUIRIES:XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TN

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the above-referenced debt, which appears on my credit report. I do not recognize this debt and do not owe any money to XXXX or XXXX XXXX XXXX. 
Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I am requesting full validation of this alleged debt.

Specifically, please provide the following : 1. Proof that I am legally obligated to pay this debt.

2. The name and address of the original creditor.

3. A detailed accounting of the amount owed, including how it was calculated.

Until this information is provided, you are required by law to cease all collection activities and remove any related reporting from my credit report.

Please send your response to the address listed above.

Thank you for your prompt attention to this matter.

Sincerely, __________________________ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
I am writing to formally dispute the reporting of certain collection and charge-off accounts that are appearing on my credit report. These accounts are fraudulent and were opened or reported without my knowledge, authorization, or consent. I am a victim of identity theft and did not open, authorize, or have any financial relationship with the entities reporting these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Request for Goodwill Removal of Late Payment from Credit Report Nelnet reported a 90+ day late payment for XX/XX/year> on my student loan while my deferment request was being processed. I was told I would not be responsible for payments during deferment, and my account was later brought current through administrative forbearance on XX/XX/year>. Despite this, the late payment remains on my credit report and has negatively impacted my credit. I am requesting that Nelnet remove or reclassify this late payment as a goodwill adjustment, as it occurred during a valid hardship period and does not reflect my overall payment history or long-term nonprofit employment under the Public Service Loan Forgiveness program .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
A. Personal Information & Fraud Alert XXXX to XXXX XXXX at the current address above ; suppress unsupported name/address variants. 
Your consumer statement shows FCRA EXTENDED FRAUD ALERT language. Confirm proper 605A processing and that the alert does not trigger any adverse coding beyond its statutory purpose. 
B. Tradeline-Specific Disputes 1. XXXXXXXX XXXX XXXX Credit Card ( opened XX/XX/XXXX ) XXXX late displayed ( XX/XX/XXXX ) Provide running statements/ledger proving the late ( due date vs. posting ). Codes are not proof. If not verifiable to XXXX standard, delete the late or the derogatory coding. 
XXXX : XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX. XXXX ( opened XX/XX/XXXX ) and XXXXXXXX XXXX XXXX ( opened XX/XX/XXXX & XX/XX/XXXX ) Your file shows Status : Open but Account Rating : Terminated. This is logically inconsistent and misleading under 607 ( b ). Either it is Open or Closed/Terminatedit can not be both.

Demand : Obtain source records and correct to a single accurate status across Status / Rating / Date Closed / Date of Account Info ; if unverifiable, delete.

Metro-2 : XXXX ( Status ), XXXX ( Date Info ), XXXX ( Date Closed ), XXXX ( History ), XXXX ( Balance ), XX/XX/XXXX ( Limit/High Credit ). 
XXXX. XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX ) and XXXX XXXX  ( opened XX/XX/XXXX ) Ensure there are no dispute/XB flags and that limits/balances/dates align with the furnisher and peer bureaus. Provide MOV. 
C. Remedies Sought Independent reinvestigation ( not mere ACDV parroting ), with documentary proof.

Correct or delete any item not verified by documentation ( 611 ( a ) ( 5 ) ( A ) ).

Remove any dispute/XB indicators where no active dispute exists.

Provide Method of Verification within 30 days ( 611 ( a ) ( 7 ) ).

If discrepancies trace to a data breach or security lapse, disclose under GLBA/Reg V.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$120000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have been targeted from Mortgage handling company Mr.COOPER, modification of mortgage, without any consent, reversed payments : " bank canceled your monthly payment '' scam, XXXX XXXX XXXXXXXX never canceled, nor returned mortgage payment for the past XXXX years, implacable records! Insurance Fraud liability coverage XXXX polices pulled by XXXX XXXX Agent, with intent of defrauding a government employees, work pressure- Transportation Industry Stakeholder ( husband ) Caught in XXXX XXXXXXXX XXXX thru XXXX XXXX XXXX XXXXXXXX XXXX thru misuses of government credentials via FOP # XXXX, side business behind back, twisted hands " will be losing your house '' if you open your mouth, extortion/Transportation Industry loophole taking place, threatened ! Mortgage Insurance & Escrow charges + real estate taxes unlawfully added additional fees, without approval from customer legal standpoint. Illigal practice, twisted hands/government employee pressure, House Vandalized several times between XXXX XXXX End of XXXX, insurance fraud reported thru Claim Adjuster,XXXX Claim Added without consent or knowledge of homeowner, thru family member also part of Transportation Industry Stakeholders closely connected XXXX XXXX ( contraband ) distribution business behind back, thru XXXX XXXX XXXX misuses of government badge/ access thru FOP # XXXX XXXX XXXX Police Department, real estate property taxes already paid, attempt of 2nd time charges, pile up fees, avoidance to existing receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
I am disputing the accuracy and completeness of the items below on my Experian file. Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) you must assure maximum possible accuracy ; under FCRA 611 ( 15 U.S.C. 1681i ) you must conduct a reasonable reinvestigation and delete or correct unverifiable or inaccurate data ; and under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a CRA must do more than parrot furnishers. If you can not independently verify to that standard, you must delete the disputed data in full. 
I also place you on notice of Regulation V ( 12 C.F.R. Part 1022 ) and GLBA 68016802 data-security obligations. Conflicting and stale data below indicates potential data-integrity failure ; if any incident relates to a data breach, treat this as a formal breach notification request and provide incident details, scope, and remediation steps. 
1. XXXXXXXX XXXX XXXXXXXX ( Acct # XXXX ) Issue : File shows Paid, was past due 30 days two or three times while payment history and peer bureaus show all OK / Pays as agreed. 
Violation : Contradiction within your file and inter-bureau conflict violates 607 ( b ). 
Demand : Produce full ledger proving any alleged delinquency or delete tradeline. 
Metro 2 fields : XXXX ( Status ), XXXX ( Payment Rating ), XXXX ( Payment History ), XXXX ( Date Reported ), XXXX ( Last Payment ), XXXX ( Date Closed ), XXXX ( Date of Last Activity ). 
2. XXXX XXXX ( Acct # XXXX ) Issue : Account previously in disputenow resolved/ Dispute resolved by grantor. 
Violation : Retaining dispute codes after resolution misleads lenders ( 607 ( b ) ). 
Demand : Remove all XB codes and dispute remarks. 
Metro 2 : CCC ( XB ), XXXX ( Status ), XXXX ( History ). 
3. XXXX XXXX XXXX Credit Card ( Acct # XXXX ) Issue : Dispute resolved by grantor remark still present. 
Demand : Remove all dispute remarks and confirm Metro-2 compliance. 
Metro 2 : CCC ( XB ), XXXX, XXXX, XXXX. 
4. XXXX ( Acct # XXXX ) Issue : Balance, credit limit, and payment date differ across bureaus. 
Violation : Conflicting dataviolates 607 ( b ) accuracy duty. 
Demand : Verify using original source records or correct immediately. 
Metro 2 : XXXX ( Limit ), XXXX ( High Credit ), XXXX ( Balance ), XXXX ( Date Info ), XXXX ( Payment Date ), CCC. 
5. XXXX XXXX XXXX XXXX XXXXXXXX ( Multiple short-term loans ) Issue : Variance in open/close dates and payment status across furnishers. 
Demand : Confirm accuracy ; delete or correct unverifiable data.

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