vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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:
I am following up on my previous CFPB complaint, which is still under investigation, to emphasize the ongoing inaccuracies on my Experian credit report. I have identified an inaccurate collection and charge-off entry from XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX * * * * ) with a balance of {$7200.00}. This account should not be reported in this manner, and the persistent errors are likely the result of a data breach that compromised my personal and financial information, leading to incorrect account statuses and balances being reported. This is deeply concerning, as such breaches often result in severe, long-term financial harm if not promptly corrected. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure that the information it reports is accurate, complete, and up to date. According to 15 U.S.C. 1681i, Experian must conduct a reasonable reinvestigation of disputed information within 30 days. Additionally, 15 U.S.C. 1681s-2 requires data furnishers to maintain accurate information and correct any errors. The failure to address these inaccuracies despite prior disputes demonstrates a clear violation of federal law and undermines the reliability of XXXX XXXX  credit 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 2025-05-13 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: Freedom Mortgage Company
State: OK

Complaint narrative:
I got behind on my payments in the fall of 2024 with Amerimortgage and began a deferral/forberance review. It was around the same time my loan was sold off to freedom mortgage. It was during that time I didnt know who, what or when to pay... I reached out to freedom mortgage to find out if they were able to pick up the deferral process from XXXX and was told it was under review. During this period I only received standard billing statements which was the standard payment of XXXX XXXX XXXX  with mortgage insurance and escrow as well. 
Finally in XXXX there was a letter that said I needed to pay XXXX consecutive payments to be in the deferral/forbearance process. It never indicated accrued interest and in fact it stated when enrolled it would be placed in a non accrual status and fees wouldnt be added on either. 
I was able to make the XXXX payment but spent time in the hospital and wasnt able to make the payments. During this time the only correspondance that included balances or payments owed was the monthly billing statement of XXXX XXXX XXXX nothing ever mentioned that {$8000.00} worth of interest had accrued. I finally found another place to live and listed the house for sale. I received a contract for the home and notified Freedom mortgage of the pending sale. I requested a payoff statement and that is when I noticed the large amount of interest I was now responsible for. I reached out about assistance but never heard back. I had to borrow money from family to payoff the balance of the home at closing. My loan balance when transferred from XXXX was {$180000.00} when i submitted payoff the amount was {$190000.00}. All because my loan was transferred to a new lender. 
I have experienced the worst year of my life, I also had to sell the home I had just purchased in XX/XX/year>. I spent months waiting to find out if I was elgible for deferral/forbearance program and then had to come up with almost {$10000.00} just to sell the home. 
I would just like to have the total amount of interest that I had to pay reviewed because I believe it was excessive especially if the loan was in a non accrual status.

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 2025-05-13 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to EQUIFAX in XXXX  to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XXXX me and my mom ( co-signer ) purchased a car together, with the intent my mom would no longer be needed for the loan. The vehicle was sold with the assumption that I would be making the payments, not my mom. So I need the company to issue a Loan Release to absolve her from any further financial responsibility. The dealership refused to further assist us in resolving this matter. Not to mention within a year all of the car issues we experienced which were supposed to be covered under the warranty ( Extended was purchased ) and the manufactory warrant as well. This vehicle was also supposed to be certified but it was not at all. I do understand its a used car, but not everything is supposed to go wrong at the same time UNLESS it was only 'dressed up ' until the car was purchased. The issue really lies with who sold me and mom the vehicle and the lackluster job they did to keep us from pursuing actions like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
- XX/XX/XXXX Account Opened by Comenity Bank - XX/XX/XXXX Dispute letter was mailed to company - Account Charged off - Account Still listed on Credit report - Being contacted by Comenity Bank repeatedly after the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00}

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 2025-05-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear Experian Customer Service , I am writing to formally dispute certain inquiries listed on my credit report that I believe are unauthorized. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or incomplete.

Upon reviewing my credit report, I have identified the following inquiries that I did not authorize 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  I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. I have attached copies of my identification and any relevant documents to support my dispute. 

Please provide me with a written response regarding the results of your investigation, as well as a copy of my updated credit report once the dispute has been resolved. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
XXXX XXXX  Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: NY

Complaint narrative:
I have recently review my Credit report, and found fraudulent activity on my report. These fraudulent accounts are negativity affecting me, and causing my inability to access 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 2025-05-13 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: CA

Complaint narrative:
I am disputing an inaccurate late payment entry for XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/year> on my Equifax credit report. This account is incorrectly marked as late despite having a past due amount of {$0.00}, which clearly indicates that no payment is actually overdue. Such inaccuracies can have a profoundly negative impact on my financial health, reducing my credit score and limiting my access to fair financial opportunities, despite my efforts to maintain responsible financial practices. 

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 and 15 U.S.C. 1666 ( b ) ), as well as the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), Equifax is required to ensure that the information it reports is accurate, complete, and properly verified. Additionally, recent findings by the CFPB have highlighted Equifax 's ongoing failure to conduct proper investigations, violating its obligations under the FCRA. These errors, if not promptly corrected, expose Equifax to potential liability for statutory and punitive damages, as well as significant reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated Mt federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete item of information from the file of consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been notified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: VA

Complaint narrative:
XXXX XXXX XXXX2025. XXXX. XXXXXXXX XXXX,2025. XXXX. XXXX XXXX,2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am following up on my prior CFPB complaint, which remains under investigation, regarding unauthorized hard inquiries on my Equifax credit report. These include XXXX XXXX XXXXXX/XX/XXXX ) and XXXX XXXX XXXX XX/XX/XXXX ). Given the sensitive nature of my financial information, it is highly likely that these inquiries are the result of a data breach, which can lead to unauthorized access and misuse of my personal data. Reporting such unauthorized inquiries without proper verification is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681 ( b ), Equifax is required to ensure that all reported inquiries are accurate, complete, and verifiable. This includes confirming that each inquiry was properly authorized before being added to my credit file. The presence of these unauthorized inquiries without my consent is a direct violation of these federal requirements, unfairly lowering my credit score and compromising my financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: GA

Complaint narrative:
My settlement portion was ( {$6900.00} ) and the case has been dismissed with prejudice.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Complaint Title : Dispute and Request for Update of Personal Information I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly.

3. Incorrect Employers :. My correct Employer is : XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
my checking /debit account was compromised, there are multiple unauthorized charges. I reported this to Capital one customer services and until now there is no resolution was done

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: OR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
Credit reporting Incorrect information on your report Who is the company youre complaining about? Select all three : XXXX XXXX TransUnion And also : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint due to repeated and unresolved violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX, TransUnion, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Since XX/XX/year>, I have formally disputed an alleged debt reported by XXXX XXXX XXXX. I submitted four written validation requests under FDCPA 15 U.S.C. 1692g, asking for : Proof of the original debt and itemization, A signed agreement, Full account history and dates, Authorization to collect in California, And the validation notice as required by law. XXXX has failed to provide any of the above. In addition, I have sent five formal dispute letters to each of the three credit bureaus, requesting a reinvestigation under FCRA 15 U.S.C. 1681i. All three bureaus responded with generic letters referencing third-party verification, offering no documents or disclosure of the method used. Equifax has now labeled my dispute frivolous and refuses to investigate further, which directly violates FCRA 1681i ( a ) ( 3 ). I am requesting the CFPB to step in and enforce compliance by : 1. Requiring the credit bureaus to provide me with documentation showing how they verified the debt. 2. Requiring XXXX XXXX XXXX to fully validate the debt or cease all collection and credit reporting activity. XXXX. Removing the account from all credit reports if validation is not provided. Failure to resolve this issue will result in civil litigation against all parties involved for willful noncompliance, statutory damages, and harm caused to my 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 non-monetary relief