vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 
Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply by allowing unverifiable and inaccurate information to remain.

Unauthorized Accounts Listed Below : 1 ) XXXX  XXXX Amount : {$2500.00} Date XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : {$110.00} Date XXXX XXXX ) XXXX XXXX Amount : {$20000.00} Date XXXX Unauthorized inquiries with no permissible purpose : XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had a fraudulent account on my report. It is hurting my ability to obtain credit.

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 2025-12-26 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:
I recently reviewed a copy of my credit report and notice I had a fraudulent account on my report. It is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2025-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IA

Complaint narrative:
We went to refinance with a different company other than freedom mortgage and they made it almost impossible for us. Freedom mortgage refused to release our escrow to our new lender. So instead of paying our monthly payment of {$2800.00} we had to bring another {$3000.00} on top of that. I called freedom mortgage over 5 times asking them to release my escrow. Our new lender was also attempting to get these funds for us. Freedom mortgage refused to give our escrow so I had to bring {$6000.00} to the table to refinance. Freedom mortgage was supposed to reimburse me the escrow amount but has now taken out over {$1200.00} from my escrow refund and when I ask why they get short and rude with me. I have verified with our new lender that our payoff agreement has a different amount listed than what was given. We closed our account with freedom mortgage on XXXX and on XX/XX/year> they pulled more money from my refund saying it was to pay PMI when we had no account with them and already paid PMI with our new lender. I have tried calling freedom mortgage to get this settled as its a lot of money for me and my family right before the holidays and have gotten no where. I keep getting told different answers by different representatives when I know its not true as our payoff agreement lists a different amount for my escrow refund. This has caused me MAJOR financial issues and a lot of added stress for my family and I.

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 2025-12-26 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: TX

Complaint narrative:
THE LATE PAYMENTS BEING REPORTED ARE INACCURATE AND DO NOT REFLECT MY ACTUAL PAYMENT HISTORY.

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 2025-12-26 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: WA

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
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
THE LATE PAYMENTS BEING REPORTED ARE INACCURATE AND DO NOT REFLECT MY ACTUAL PAYMENT HISTORY.

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 2025-12-26 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX 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 2025-12-26 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: TX

Complaint narrative:
THE LATE PAYMENTS BEING REPORTED ARE INACCURATE AND DO NOT REFLECT MY ACTUAL PAYMENT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
Several weeks ago, I personally submitted dispute letters to all three credit reporting agencies regarding inaccurate information appearing on my credit report. These matters fall within the investigation and correction requirements of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have since received responses indicating that my disputes may have been submitted through a third-party service. This is incorrect. All disputes were prepared and submitted by me alone, without the involvement of any credit repair company, representative, or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is 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 non-monetary relief
Consumer complaint received 2025-12-26 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:
Subject : XXXXXXXX XXXX XXXX XXXX Inaccurate Credit Reporting,  ReAging, and Metro 2 Violations What happened : XXXXXXXX XXXX XXXX XXXXXXXX is furnishing inaccurate, incomplete, and misleading information about my chargedoff credit card account to both Experian and Equifax. The XXXX credit bureaus are reporting different, conflicting, and legally impossible data, which violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 
I have disputed these errors with both bureaus and contacted XXXX directly, but the information has not been corrected. 

Specific Problems 1. Illegal ReAging of Delinquency Dates The account became delinquent in XXXX, but both bureaus show delinquency events in XXXX : Experian : {$140.00} past due as of XX/XX/XXXX Equifax : Major delinquency first reported XX/XX/XXXX Actual DOFD : XX/XX/XXXX Last Payment : XX/XX/XXXX This is illegal reaging, violating : FCRA 1681c ( a ) ( 4 ) FCRA 1681s2 ( a ) ( 1 ) ( A ) Metro 2 ( DOFD must never be updated ) This artificially extends the reporting period and harms my credit.

2. Reporting a PastDue Amount After ChargeOff Both bureaus show : ChargeOff Status Balance : {$140.00} Past Due : {$140.00} A chargedoff account can not legally report a pastdue amount. 
This violates : FCRA 1681e ( b ) Metro 2 ( no pastdue after chargeoff ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( misrepresenting amount/status of debt ) 3. High Credit / Highest Balance Mismatch The same account shows XXXX different high credit amounts : Experian : Highest Balance = {$340.00} Equifax : High Credit = {$340.00} A furnisher can not report XXXX different high credit values for the same account. 
This violates : FCRA 1681e ( b ) FCRA 1681s2 ( a ) ( 1 ) ( A ) Metro 2 accuracy requirements 4. Misleading Payment History Both bureaus show : Continuous CO ( Charge Off ) codes for multiple years Delinquency events long after the chargeoff This is factually impossible and misleading.

Violates : FCRA 1681e ( b ) CFPB guidance on deceptive 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
Consumer complaint received 2025-12-26 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:
Subject : XXXXXXXX XXXX XXXX XXXX Inaccurate Credit Reporting,  ReAging, and Metro 2 Violations What happened : XXXXXXXX XXXX XXXX XXXXXXXX is furnishing inaccurate, incomplete, and misleading information about my chargedoff credit card account to both Experian and Equifax. The XXXX credit bureaus are reporting different, conflicting, and legally impossible data, which violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 
I have disputed these errors with both bureaus and contacted XXXX directly, but the information has not been corrected. 

Specific Problems 1. Illegal ReAging of Delinquency Dates The account became delinquent in XXXX, but both bureaus show delinquency events in XXXX : Experian : {$140.00} past due as of XX/XX/XXXX Equifax : Major delinquency first reported XX/XX/XXXX Actual DOFD : XX/XX/XXXX Last Payment : XX/XX/XXXX This is illegal reaging, violating : FCRA 1681c ( a ) ( 4 ) FCRA 1681s2 ( a ) ( 1 ) ( A ) Metro 2 ( DOFD must never be updated ) This artificially extends the reporting period and harms my credit.

2. Reporting a PastDue Amount After ChargeOff Both bureaus show : ChargeOff Status Balance : {$140.00} Past Due : {$140.00} A chargedoff account can not legally report a pastdue amount. 
This violates : FCRA 1681e ( b ) Metro 2 ( no pastdue after chargeoff ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( misrepresenting amount/status of debt ) 3. High Credit / Highest Balance Mismatch The same account shows XXXX different high credit amounts : Experian : Highest Balance = {$340.00} Equifax : High Credit = {$340.00} A furnisher can not report XXXX different high credit values for the same account. 
This violates : FCRA 1681e ( b ) FCRA 1681s2 ( a ) ( 1 ) ( A ) Metro 2 accuracy requirements 4. Misleading Payment History Both bureaus show : Continuous CO ( Charge Off ) codes for multiple years Delinquency events long after the chargeoff This is factually impossible and misleading.

Violates : FCRA 1681e ( b ) CFPB guidance on deceptive reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: Flexible Finance, Inc.
State: DC

Complaint narrative:
This account does not belong to me and needs to be removed from my credit report PROMPTLY! Information does not have the right to be on my file Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
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. I am concerned about the validity and accuracy of your recent investigation of 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.

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 2025-12-26 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:
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. I am concerned about the validity and accuracy of your recent investigation of 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I have reviewed my credit report and I noticed inaccurate information. I am really worried about understanding why the account is wrongly reported on my credit account. I did not open an account with XXXX XXXX. I trust that you are sending me the correct credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TN

Complaint narrative:
XXXX failure to properly safeguard consumer data led to a large-scale breach in XXXX  involving unauthorized access to sensitive personal information. Due to XXXX negligence in addressing known system vulnerabilities, my personal identifying information was exposed without my knowledge or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint with certainty, not in error. My credit report contains multiple accounts that are not being reported with maximum possible accuracy. These inaccuracies have persisted and continue to negatively impact my credit standing and overall financial well-being. The continued reporting of incorrect information during an already challenging time has caused unnecessary hardship and concern.

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