vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
I am writing to formally request the deletion of inaccurate personal information being reported on my credit file as maintained by your agency. Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( c ) and Section 611, I have the right to dispute incomplete or inaccurate information, and to request its correction or removal.

Please investigate and delete the following inaccurate or outdated personal information from my credit file immediately : Incorrect or Outdated Personal Information : - [ List incorrect names ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
I am writing to formally request the deletion of inaccurate personal information being reported on my credit file as maintained by your agency. Under the Fair Credit Reporting Act ( FCRA ) Section 609 ( c ) and Section 611, I have the right to dispute incomplete or inaccurate information, and to request its correction or removal.

Please investigate and delete the following inaccurate or outdated personal information from my credit file immediately : Incorrect or Outdated Personal Information : - [ List incorrect names ]

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 2025-06-10 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC
State: CA

Complaint narrative:
I had automatic payments set up through my credit card for my BMG Money loan. I did not stop or cancel the payments. The company failed to process a scheduled payment this was not my fault. I had sufficient funds and expected the payment to go through as usual. Instead, BMG Money reported my account as late to the credit bureaus and is now charging me extra late fees, interest, and charges that I did not expect or agree to. I contacted the company and explained this, but they refused to reverse the fees or correct the late credit reporting. I am requesting that the late mark be removed from my credit reports, that all fees and extra interest caused by this error be reversed, and that BMG provide me with a full written accounting of how my payments have been applied ( principal, interest, and fees ). Their practices are unfair and have caused damage to my credit and finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sending this complaint in response to your current evaluation. I have to pursue my efforts to resolve this matter which require intentness to my personal credit report. I am frustrated and feel there is error that is still reported on my personal credit report which is not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the remedy to my personal credit report and dispute the remaining account to be REPAIRED. XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {>= $1,000,000} D XXXX XXXX L XXXX Balance : {$9200.00} D XXXX XXXX L XXXX Balance : {$540.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I am filing this complaint against CITIZENS PAY CREDIT XXXX for reporting incomplete, inaccurate, and unlawful information to the consumer reporting agencies regarding an account listed under my name with the partial account number XXXX. 



Allegations and Legal Violations : 1. Incomplete and Unverifiable Account Information The account being furnished to the credit bureaus does not contain the full account number, which makes it impossible to properly verify the information listed. Under the Fair Credit Reporting Act ( FCRA ), any information supplied to consumer reporting agencies must be accurate, complete, and verifiable. Without a complete account number, this tradeline is inherently deficient and must be removed.

2. Improper Reporting of Late Payments Violation of 15 U.S. Code 1666b This account reflects several late payments. However, under 15 U.S. Code 1666b ( Timing of payments ), a creditor is required to provide clear notice of payment due dates and the consequences of late payment. I was never given proper notice or disclosures as required by law prior to the reporting of late payments to XXXX. Therefore, these delinquencies were added to my credit report unlawfully, and without adherence to proper procedures. 
3. Incorrect Charge-Off Reporting & Violation of 12 CFR 1026.11 This account is listed as a charge-off, yet no clear explanation, documentation, or legal disclosure was provided to me about the termination of the account. According to 12 CFR 1026.11 ( Treatment of credit balances ; account termination ), when a creditor terminates a consumer account and a balance remains, the remaining credit balance is supposed to be returned to the consumer unless otherwise agreed upon. CITIZENS PAY CREDIT XXXX  failed to comply with this regulation, and has not documented or refunded any remaining balance, raising questions about the legality of the charge-off.

4. Failure to Provide Required Legal Notice Before Reporting the Debt CITIZENS PAY CREDIT XXXX failed to notify me in writing before furnishing this debt to any credit reporting agency, which is required by federal law. This lack of due process and transparency has directly resulted in significant financial harm, including a lower credit score, loan denials, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit. These remarks have been detrimental to my life and credit health.

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 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Enium Capital Group LLC
State: FL

Complaint narrative:
I signed a solar panel financing agreement based on verbal and written assurances from the sales rep that : 1. I would not need to make any payments until the system was fully installed and operational.

2. My monthly loan payment would be {$120.00} and would eliminate my electric bill from XXXX. 

However, the system was never properly activated, a key lever wasnt switched, and no one from the company confirmed the system was functioning. Despite this, the lender began billing me and reported late payments to the credit bureaus without any formal notice or activation confirmation. 

I now pay $ XXXX on the solar loan ( not the {$120.00} promised ) AND I still receive XXXX XXXX XXXX XXXX $ XXXX. This contradicts what was promised at the time of sale. 

Additionally, after XXXX payments, the loan balance has only decreased by {$79.00}. I was never given an amortization schedule or a transparent breakdown of interest and fees. The loan terms feel predatory and misleading. 

These misrepresentations have damaged my credit and caused unexpected financial strain. I am requesting that this account be investigated, that the late payments be removed from my credit report, and that the lender provide accurate disclosures and adjust the terms to reflect what was originally promised. 

I can provide documents, communication, and payment history upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage is mishandling my mortgage account and is now moving forward with foreclosure despite my full compliance with documentation requests. 

I have submitted all required documents via XXXX Priority Mail with tracking and delivery confirmation. I still retain those records. 
PHH has claimed multiple times that the paperwork was not received or was received late, even though they previously acknowledged the case was under review. 
Now, PHH is initiating foreclosure. This has caused serious emotional harm to my family, especially our kids : XXXX daughter has XXXX  XXXX XXXX daughter has XXXX, XXXX XXXX, and XXXX. 

This mishandling may violate the Fair Housing Act and Americans with Disabilities Act, as PHH has failed to accommodate our household 's XXXX. 

I have sent PHH a certified letter formally disputing their claims and requesting a review and pause of foreclosure proceedings. If they do not resolve this immediately, I request your help in investigating this matter. 
I am happy to upload all documentation as needed. Thank you.

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 2025-06-10 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: CA

Complaint narrative:
I submitted disputes to Experian, Equifax, and TransUnion requesting the removal of a XXXX  XXXX bankruptcy that is being inaccurately reported on my credit file. 

I provided each bureau with official documentation from XXXX, a primary public records vendor, confirming that the bankruptcy was removed after verification procedures. The updated XXXX consumer disclosure report confirms that no bankruptcy is present on my file. 

Despite receiving my dispute letters and supporting evidence, the credit reporting agencies have failed to remove the bankruptcy from my report. This is a direct violation of FCRA 1681i ( a ) ( 5 ) ( A ), which requires deletion of information that can not be verified. 

I am requesting immediate removal of the inaccurate bankruptcy from my credit reports. Failure to comply may result in further regulatory complaints and legal action.

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 2025-06-10 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-10 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-10 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-10 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-10 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, th ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$870.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} ; XXXXXXXX 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 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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