vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
I am filing a formal complaint against Equifax for inaccurately reporting a charged-off account from XXXX XXXX XXXX XXXX The account was charged off over a year ago, paid in full, and closed. However, Equifax continues to report the account as Collection/Chargeoff and Derogatory as recently as XX/XX/XXXX, despite a {$0.00} balance, {$0.00} past due, and the comment Paid charge off.

This reporting is misleading, inconsistent, and violates several provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) : Equifax reports contradictory data listing the account as charged off while showing a perfect history of OK monthly payments with no delinquencies.

FCRA 1681i ( a ) : Equifax failed to properly reinvestigate the disputed account after I submitted multiple formal disputes.

FCRA 1681s-2 ( b ) : No documentary evidence has been provided to support continued derogatory reporting. No 1099-C cancellation form was disclosed.

Pattern of Misreporting : Equifax shows the account as updated in XXXX despite no activity since XXXX, which misrepresents the timeline and harms my credit. 

This account has already been reported to the FTC under Report # XXXX. I am requesting an immediate reinvestigation, correction, and removal of all inaccurate and misleading data regarding this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer r
eporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-19 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I recently received a copy of my credit report and noticed a lot of inaccurate information and unauthorized accounts. These remarks have been detrimental to my credit and my credit health. I am filing a complaint against Experian, Equifax and Transunion. They consistently respond saying the accounts are accurate with no proof of evidence. This practice violates the Fair Credit Reporting ( FCRA ). 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Please delete these items off my credit.

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 non-monetary relief
Consumer complaint received 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I believe XXXX XXXX is transferring the loan to avoid dealing with its fraud and deceptive practices. I have filed disputes on issues that are not resolved only reoccurring. I was not given timely notice of actions taken on the account or even authorizing the changes and adjustments to the way submitted funds were allocated to the account. XXXX XXXX transfer of this account is to avoid addressing serious issues of negligence and a backhanded way to collect fees. XXXX XXXX created the discrepancies on the account and violated many state & federal banking and real estate laws. 
I was not notified that the account was submitted to be transferred to another servicer, and I was not given any information about the new servicer. 

XXXX XXXX should not prosper from the transfer of the loan. I do not owe any late fees, I have been paid ahead on the account since its inception. I was not given the information needed to make timely and informed decisions- XXXX XXXX still owes refund of over {$10000.00}. 


* * * * I do not call or receive phone calls * * * * request ADA- communication is writing - USPS mailing in large print ( 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct.

The following personal information is incorrect : Name, Telephone, and Current Address ( es ) : Please update my name to the only and current version : XXXX XXXX Please Update My only Address that I can receive mail at and bring it to the current one : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Sincerely, 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint because my TransUnion credit report is displaying an inaccurate and outdated address that does not belong to me and should not be associated with my credit file. Specifically, the report lists a previous address as XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, which is incorrect. I have never lived at that location, and I did not authorize this address to be linked to my identity. My only and current address is XXXX XXXX XXXX, XXXX, NY XXXX, and it has been my consistent and accurate residence. 

The presence of this inaccurate address is extremely concerning, as it may be the result of a data mismatch, file contamination, or potential error stemming from a third-party furnisher. In any case, the inclusion of false address data compromises the integrity of my credit profile, opens the door to misattributed accounts or fraud, and may contribute to future denials or delays in credit decisions. It also places an unnecessary burden on me to continuously dispute information I never supplied in the first place. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion has a legal obligation under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in the information it includes in consumer credit files. By retaining and publishing an address I never lived at, TransUnion is in violation of this requirement. Furthermore, inaccurate personal identifiers like this can improperly associate me with accounts, debts, or inquiries that are not mine, which may cause lasting harm to my creditworthiness.

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 2025-06-19 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
b'I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.   \n\nFRAUDULENT ACCOUNTS:\n\nAccount Name: XXXX #XXXX  - Date Opened XXXX\n\n\nUNAUTHORIZED INQUIRIES:\n\nXXXX XXXX XXXX  Equifax'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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 am the victim of identity theft. I submitted a written dispute to Experian under the Fair Credit Reporting Act ( FCRA ), specifically citing my rights under 15 U.S.C. 1681c-2, to block fraudulent accounts and remove inaccurate personal information. While Experian removed some entries, several unauthorized and inaccurate accounts remain on my credit file despite clear documentation that they are the result of identity theft.

I also requested the removal of incorrect addresses, an inaccurate employer, and a false name variation. Experian has failed to fully comply with their obligations under 15 U.S.C. 1681e ( b ) ( accuracy ), 1681g ( full file disclosure ), and 1681b ( permissible purpose ). I submitted all required documents including a government-issued ID, proof of address, and an FTC Identity Theft Report. 

These uncorrected items are harming my creditworthiness and preventing access to financial opportunities. I am requesting the CFPB 's assistance to ensure Experian fully complies with federal law and removes all unauthorized and inaccurate data 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 2025-06-19 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: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citi bank XXXX card has no customer service except in XXXX or XXXX. They will not process my credit balance on my credit card but say they are doing it.

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 monetary relief
Consumer complaint received 2025-06-19 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: NJ

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after the investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please forward me an updated credit report after you have completed the re-investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I successfully made three trial loan modification payments of {$2300.00} each through wire transfers. These payments were accepted without issue by the mortgage servicer, PHH Mortgage Services. 

On XX/XX/XXXX, I signed the Final Loan Modification Agreement alongside my attorney. The servicer received the fully executed document on XX/XX/XXXX, prior to the stated deadline of XX/XX/XXXX XXXX 

Despite meeting every requirement in good faith, the company failed to countersign the agreement. Furthermore, in XX/XX/XXXX, PHH rejected my mortgage payment, blocked access to their online payment portal, and refused to apply subsequent payments. 

To remain in compliance, I made my XXXX, XXXX, and XX/XX/XXXX payments through XXXX, in the amount of {$2300.00} per month ( each including a {$69.00} fee ), totaling over {$210.00} in added fees simply to send money to a company that would not allow me to pay through normal channels. 

To date, PHH has not finalized the modification agreement, and has not applied the payments that were sent. Their conduct appears to be designed to artificially create default, despite the borrowers full compliance with every contractual obligation.

Company response to consumer: Closed with explanation