vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-24 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact details of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law. This failure to respond constitutes a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
After an insurance claim was filed and paid out, the insurance proceeds were made payable to both myself and Mr. Cooper. Per standard procedure, Mr. Cooper required the funds to be deposited into an escrow account. However : Mr. Cooper conducted inspections but has not provided me with copies of inspection reports or sufficient details explaining fund disbursement decisions. 

Funds have not been released in a timely or transparent manner, despite compliance with their requests for documentation and proof of repairs. 

I have received conflicting or inadequate communication regarding when and how the funds will be disbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-09-24 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 non-monetary relief
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I am disputing the late payment currently listed on my credit file. This entry is erroneous and fails to reflect my consistent record of timely payments. Its presence is unfairly harming my creditworthiness and misrepresenting my financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
The XXXX XXXX account ( Account No. XXXX ) is being reported with multiple instances of CO ( Charge-Off ) status across several months. Under Metro 2 reporting standards, a charge-off is a single event, not a recurring status, and should not be reported multiple times in consecutive months. By continuing to report CO across different months, XXXX XXXX and Experian are inaccurately inflating the derogatory impact of this tradeline. This practice is misleading, does not comply with Metro 2 guidelines, and constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). Because the account is being reported with repeated charge-offs instead of a single event, the tradeline is materially inaccurate and must be deleted from my credit report.

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 2025-09-24 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: MI

Complaint narrative:
On my Equifax credit report dated XX/XX/year>, several accounts are reporting inaccurate, misleading, or unverifiable information. I have previously disputed these directly with the bureau and with the furnishers, but the accounts continue to report without proper validation. 

Specific examples include : XXXX XXXX XXXX ( {$610.00} ) unverifiable debt, appears re-aged. 
XXXX XXXX XXXX ( {$130.00} ) no proof of validation, still reporting. 
XXXX XXXX XXXX ( {$1100.00} ) conflicting status ( open vs closed ), currently showing as consumer disputes reinvestigation in process. 
XXXX XXXX XXXX ( {$930.00}, Equifax only ) incorrect balance reporting. 
XXXX XXXX  ( {$860.00} ) closed but continues to reflect derogatory payment history. 
XXXX XXXX ( {$1100.00}, Equifax only ) closed, reporting inaccurate history. 

I also note that in response to a prior CFPB complaint, XXXX terminated collection efforts and requested deletion of their tradeline across all bureaus, which demonstrates a pattern of inaccurate reporting by furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent accounts that are appearing on my credit report. I want to state in the clearest possible terms that these accounts do not belong to me and were never authorized by me under any circumstances. Their presence on my report has created a false narrative of my financial history and has already caused serious damage to my creditworthiness and peace of mind. The continued reporting of these fraudulent accounts misrepresents my integrity and paints an inaccurate picture of my financial reliability. This is both harmful and unjust, as it places me at risk of being unfairly judged by lenders, employers, and other institutions relying on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CBC Companies, Inc.
State: WI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NY

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 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 2025-09-24 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: NY

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 2025-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I challenge the inclusion of accounts never established by me. Kindly investigate comprehensively and expunge them. Documentation accompanies this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: MI

Complaint narrative:
The collection had popped on my credit and destroyed my credit. It is making my life hard and I don't know where it came from. This has hindered me. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: OH

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 XXXXXXXX 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 2025-09-24 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: GA

Complaint narrative:
Account Exhibiting Multiple Willful FCRA, UCC, and Metro 2 Violations : XXXX XXXX XXXX XXXX XXXX Mathematically Impossible Credit Utilization ( Willful FCRA 1681e ( b ) Violation ) Violation : Reporting a {$1000.00} balance on a {$700.00} credit limit ( 145 % utilization ) is physically impossible.

Legal Basis : FCRA 1681e ( b ) : Requires " reasonable procedures to assure maximum possible accuracy. '' Metro 2 Rule 4.3 : Prohibits balances from exceeding the " High Credit/Credit Limit '' field. 

Case Law : Guimond v. Trans Union, 404 F.3d 676 ( 9th Cir. 2005 ) : Patently impossible data violates FCRA accuracy requirements.

Cortez v. Trans Union, 617 F.3d 688 ( 3d Cir. 2010 ) : Failure to correct obvious inaccuracies constitutes willful violation.

2. Fraudulent Payment History & Illegal Re-Aging ( FDCPA 1692e + FCRA 1681s-2 ) Violation : " Last payment : XXXX XXXX, XXXX '' contradicts 48+ months of continuous " Warning '' delinquencies ( XXXX ). 

Legal Basis : FCRA 1681c ( f ) : Requires accurate reporting of charged-off accounts.

FDCPA 1692e ( 2 ) ( A ) : Prohibits false representation of debt status.

Case Law : Saunders v. BB & T, 526 F.3d 142 ( 4th Cir. 2008 ) : Furnishers must ensure timeline accuracy.

McLaughlin v. Phelan Hallinan, 756 F.3d 240 ( 3d Cir. 2014 ) : Misrepresenting debt timelines is unlawful.

3. Inaccurate " Open '' Status for Charged-Off Account ( Metro 2 Code 9 Violation ) Violation : Account status is " Open '' while payment status is " Charge-off ''.

Legal Basis : Metro 2 Guidelines : Charged-off accounts must use Status Code 9 ( " Charged-off as Bad Debt '' ).

FCRA 1681e ( b ) : " Open '' status is materially misleading for charged-off accounts.

Case Law : Seamans v. Temple University, 744 F. Appx 715 ( 3d Cir. 2018 ) : Incorrect status codes violate FCRA.

4. Invalid " Amount Past Due '' Reporting Violation : Reporting " Amount past due : {$1000.00} '' on a charged-off account is improper.

Legal Basis : Metro 2 Guidelines : " Amount Past Due '' field is for delinquent accounts with ongoing payments, not charged-off debts.

FCRA 1681s-2 ( a ) : Furnishing misleading data breaches accuracy duty.

5. Missing Critical Data Fields ( FCRA 1681i Violation ) Violation : Blank " Monthly payment, '' " Remarks, '' and " Closed '' date fields.

Legal Basis : FCRA 1681i ( a ) ( 1 ) ( A ) : Requires reinvestigation of incomplete data.

12 CFR 1022.41 ( Regulation V ) : Mandates complete/accurate furnishing.

Case Law : Gorman v. Wolpoff & Abramson, 584 F.3d 1147 ( 9th Cir. 2009 ) : Furnishers must verify core data points.

6. Suspicious " Times 30/60/90+ Days Late '' Coding Violation : " XX/XX/XXXX '' late payments are inconsistent with XXXX months of delinquency warnings. 

Legal Basis : FCRA 1681s-2 ( a ) ( 5 ) : Prohibits reporting unverifiable payment metrics.

Company response to consumer: Closed with non-monetary relief