vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Transunion, experian, and equifax are reporting inaccurate information. Ive already requested that they remove incorrect personal information and inaccurate accounts. They havent did anything but send me stall letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-03 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: GA

Complaint narrative:
According to XXXX XXXX XXXX XXXX XXXXXXXX sold them a loan in the amount of {$1200.00}. The original loan amount was {$1500.00} and a total of {$2900.00} was paid on the loan. XXXX XXXX XXXX IS ASKING FOR {$600.00} TO REMOVE THE NEGATIVE REPORT THEY RECENTLY PLACED ON MY CREDIT. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NCB Management Services Inc.
State: GA

Complaint narrative:
According to NCB management services, XXXX XXXX sold them a loan in the amount of {$1200.00}. The original loan amount was {$1500.00} and a total of {$2900.00} was paid on the loan. NCB MANAGEMENT SERVICES IS ASKING FOR {$600.00} TO REMOVE THE NEGATIVE REPORT THEY RECENTLY PLACED ON MY CREDIT. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-07-03 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: MS

Complaint narrative:
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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number 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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 XXXXXX/XX/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 2025-07-03 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: NV

Complaint narrative:
I received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party is making the claim. After receiving such information, I will review and respond within the XXXX  period allotted to me under federal law.

This is not a refusal to pay, but a notice that I am disputing your claim and I am requesting validation made pursuant to the Fair Debt Collection Practices Act. 
Understand that I am requesting a " verification '' that you have my mailing address, I am requesting " validation of debt '' competent and valid evidence that I have some contractual obligation to pay you. 
If it is found that there is no evidence of this debt under my name, then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 
I appreciate your efforts in this matter and look forward to your response.

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 2025-07-03 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: NV

Complaint narrative:
I received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party is making the claim. After receiving such information, I will review and respond within the XXXX  period allotted to me under federal law.

This is not a refusal to pay, but a notice that I am disputing your claim and I am requesting validation made pursuant to the Fair Debt Collection Practices Act. 
Understand that I am requesting a " verification '' that you have my mailing address, I am requesting " validation of debt '' competent and valid evidence that I have some contractual obligation to pay you. 
If it is found that there is no evidence of this debt under my name, then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 
I appreciate your efforts in this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$33000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I had one isolated 30-day late payment reported by Upstart in XX/XX/year>. The loan is now paid in full, and aside from this instance, I maintained a perfect payment history for the entire life of the loan. 

I submitted multiple goodwill adjustment requests through customer service and escalated to the CEO, but I never received a response from executive leadership. Upstart denied my requests outright, citing policy, without fairly reviewing the full context of my history as a responsible borrower.

I am not disputing the accuracy of the late payment. I am requesting a goodwill adjustment be considered, as many lenders do for one-time issues with long-standing borrowers. This inflexible stance from Upstart is hurting my credit profile despite my strong repayment and responsible behavior. 

I respectfully request CFPBs assistance to have this request reviewed with consideration and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$7100.00} DEPTEDXXXX XXXX XXXX XXXX  {$3700.00} DEPTEDXXXX XXXX XXXX XXXX  {$3200.00} DEPTEDXXXX XXXX XXXX XXXX  {$1900.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$2800.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} DEPTEDXXXX XXXX XXXX XXXX  {$1000.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$100.00} I have been in deferred/forbearance since XX/XX/XXXXXXXX  I've provided Equifax, XXXX, and XXXX  the documentation showing proof from XXXX the dates of the forbearance and the date when my first payment is due they are refusing to remove the late payments from my credit file with all the proper documentations this is affecting me buying an house I have provided the identity theft reports and still no luck i will be proceeding with an lawsuit if this is issue isn't fixed immediately its going on 40 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
DEPTEDXXXX XXXX XXXX XXXX  {$7100.00} DEPTEDXXXX XXXX XXXX XXXX  {$3700.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$3200.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$2800.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} DEPTEDXXXX XXXX XXXX XXXX  {$1000.00} DEPTEDXXXX XXXX XXXX XXXX  {$100.00} I have been in deferred/forbearance since XX/XX/XXXXXXXX  I've provided XXXX, Transunion, and XXXX  the documentation showing proof from XXXX the dates of the forbearance and the date when my first payment is due they are refusing to remove the late payments from my credit file with all the proper documentations this is affecting me buying an house I have provided the identity theft reports and still no luck i will be proceeding with an lawsuit if this is issue isn't fixed immediately its going on 40 days

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
DEPTEDXXXX XXXX XXXX XXXX  {$7100.00} DEPTEDXXXX XXXX XXXX XXXX  {$3700.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$3200.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} DEPTEDXXXX XXXX XXXX XXXX  {$2800.00} DEPTEDXXXX XXXX XXXX XXXX  {$1100.00} DEPTEDXXXX XXXX XXXX XXXX  {$1000.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$100.00} I have been in deferred/forbearance since XX/XX/XXXXXXXX  I've provided XXXX, XXXX, and Experian the documentation showing proof from XXXX the dates of the forbearance and the date when my first payment is due they are refusing to remove the late payments from my credit file with all the proper documentations this is affecting me buying an house I have provided the identity theft reports and still no luck i will be proceeding with an lawsuit if this is issue isn't fixed immediately its going on 40 days

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 2025-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
My mortgage was with united wholesale mortgage. I've been paying them for a year after a refinance. My homeowners insurance was escrowed also, I signed with this homeowners insurance at the time of refinance. I received a letter approx 3weeks ago stating that my mortgage was going to go up {$400.00} due to not enough in my escrow for homeowners, I called UWM about the increase and they verified that my insurance policyis increasing. I open a letter today stating that I dont have homeowners insurance and that I need to find another provider or they will find one for at most likely twice the cost. I called " XXXX '' which is the insurance company that I signed with during refinance, they explained to me that the mortgage company hasn't been paying our homeowners insurance an entire year. I called my mortgage company about it and they claimed that a previous mortgage company was supposed to pay for my insurance, I also found out they they sold my mortgage to another company. I'm completely in the dark right now and am trying to figure out what I should do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
I am filing this complaint against Experian for failing to respond to a formal dispute I submitted regarding inaccurate items and incorrect personal information on my credit report. 
On XX/XX/year>, I sent a dispute letter via XXXX XXXX Mail ( Tracking # : XXXX ) to Experian. In this letter, I outlined the inaccurate entries and personal details on my credit report and included supporting documentation to verify my identity and address. This included : A copy of my government-issued photo ID, my social security card, and a recent utility bill reflecting my current address. According to XXXX tracking, the letter was delivered to Experian on XX/XX/year>. 
As of the date of this complaint, it has been well over 30 days, and I have not received any response or investigation results from Experian. This lack of communication and inaction violates the Fair Credit Reporting Act, which mandates that credit bureaus conduct a reasonable investigation within 30 days upon receiving a consumer dispute. 
Experian 's failure to act on my dispute, despite receiving the required documentation, is a direct breach of its legal obligations under the FCRA. To support this complaint, I am attaching the following documentation : a copy of my dispute letter sent to Experian and XXXX XXXX Mail receipt ( Tracking # 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