vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had a business credit card account with this bank for three years but it was not reported on my XXXX  Business Account nor 3 Credit Bureaus. I had legal name change and during account history, I sent them name change documents and they didn't change my name on the account.

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 2025-09-27 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: WA

Complaint narrative:
There are errors in the personal information listed on my credit report, including addresses that do not belong to me. Enclosed are my supporting documents to verify my correct details, and I am requesting that these wrong addresses be deleted from my report without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: WA

Complaint narrative:
There are errors in the personal information listed on my credit report, including addresses that do not belong to me. Enclosed are my supporting documents to verify my correct details, and I am requesting that these wrong addresses be deleted from my report without delay.

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 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My statement balance to be paid by XX/XX/year> for the Care Credit card was {$8900.00}. It was paid in full on XX/XX/year>. When going online to pay my balance in full, there was only one amount listed in the statement balance pay in full options. I paid in full. I get an email today, XX/XX/year> stating I have to pay {$130.00} by XX/XX/year>. I used the chat to talk to a representative to see why and if they can waive that fee since I paid before my due date and in full. I get told no after the representative looked into my account. I said I'll call and talk to a supervisor. The representative that I spoke to also told me no they can't waive it and agreed with me that they never waive it for their customers. She tells me there's a daily interest fee that's charged. None the less at the end of the billing cycle. I stated that if there's a daily fee it should be added daily and not to be a surprise for the consumer after they pay in full. I should not be charged the {$130.00} since my statement balance was paid in full prior to my due date.

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 2025-09-27 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: GA

Complaint narrative:
XXXX XXXX XXXX ( XXXX hour ago ) to me Complaint Against : Equifax Information Services , LLC Date : XX/XX/year>XXXX  From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I disputed two XXXX XXXX accounts. 

Equifax continues to verify without mailed validation. 

Reports show added interest, re-aging, and derogatory status even during disputes. 

This violates FCRA 15 U.S.C. 1681i ( failure to investigate fully and accurately ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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:
Complaint Regarding Inaccurate Credit Reporting XXXX XXXX XXXX Account XXXX To Whom It May Concern : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$1300.00} Credit Bureau : Equifax / Experian This account is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information.

2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy. 
I demand that the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information.

2. Provide written confirmation of the investigation results.

3. Provide an updated credit report reflecting the permanent deletion or correction of this account. 
Enclosed are copies of my credit report, prior dispute letters, and supporting documentation. I expect acknowledgment and updates on the progress of the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: TX

Complaint narrative:
Complaint Regarding Inaccurate Credit Reporting XXXX XXXX XXXX Account XXXX To Whom It May Concern : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/year> Disputed Amount : {$1300.00} Credit Bureau : Equifax / Experian This account is inaccurate, incomplete, and/or unverifiable, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically : 1. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Creditors must report accurate information.

2. 15 U.S.C. 1681 ( b ) Credit reporting agencies must maintain maximum possible accuracy. 
I demand that the CFPB : 1. Investigate this account and compel the credit bureau and creditor to verify, correct, or permanently delete the inaccurate information.

2. Provide written confirmation of the investigation results.

3. Provide an updated credit report reflecting the permanent deletion or correction of this account. 
Enclosed are copies of my credit report, prior dispute letters, and supporting documentation. I expect acknowledgment and updates on the progress of the investigation.

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 2025-09-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
REF COMPLAINT ID XXXX SUBMITTED ON XX/XX/year>. THIS CASE IS UNDER INVESTIGATION AND THE COMPANY SPS IS REVEALING WHO ACTUALLY OWNED THE MORTGAGE. NOW THEY WANTED TO GET RID OF IT THROUGH NEW FORECLOSURE THROUGH OTHERS IN MISREPRESENTATION SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: OH

Complaint narrative:
I reviewed my credit file and noticed that several accounts are being reported inaccurately. The XXXX and XXXX XXXX accounts are showing as charged-off with inconsistent balances, dates, and payment histories that do not match my records. These items appear to have errors in how they are reported and may not be verified under Metro 2 standards. 

Additionally, there are hard inquiries from XXXX of XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I did not authorize these inquiries, and they were not connected to any application I completed. Because they were not properly authorized, they should not remain on my credit report. 

Due to these inaccuracies, my credit profile is being negatively impacted. I am requesting that these items be fully investigated, verified with supporting documentation, or removed entirely if they can not be confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX  in XXXX, Texas, wrongfully reported I owed them {$2000.00}. In XXXX, the XXXX XXXX  experienced an unusually cold winter, and many of the water boilers in our building exploded. This caused black mold to spread throughout the building. When it came into our apartment unit, our on-site managers refused to clean the mold or allow my son and I to move to a different unit. This was a breach of contract on the management 's part. We had to throw away most of our belongings and move because the mold was so bad. I also had a terrible time with medical issues during this time, and could not live within the unit anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: IN

Complaint narrative:
Experian and TransUnion refuses to remove the false report from XXXX  XXXX XXXX  As someone in their company put in my report that the car was a repo when it was paid in full. There is, in fact, a correct report from XXXX XXXX XXXXXXXX showing in Experian that yes, the car was paid in full, and they still refuse to remove the double and false item from my report. They are doing the same thing with XXXX. I have given them proof that there was a written agreement, and Experian refuses to remove the negative from my credit report or to fix it showing as paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Mohela bought out my student loans while I was still in XXXX. In XX/XX/XXXX I refinanced my student loans with XXXX XXXX XXXX XXXX, on XX/XX/XXXX they sent XXXX disbursements totaling {$40000.00} to Mohela to pay off student loans. I received no letter but only email stating my loan was paid and {$0.00} balance. 

I received an email from Mohela in XX/XX/XXXX that they were moving to a new platform. I also received an email stating with a statement stating I still owed $ XXXX. I had already sent an email previous to this to confirm loans were paid off because it looked like I had a credit indicating that XXXX XXXX might have over paid and received an email back on the Mohela website ( that I cant access anymore ) confirming loans were paid off and if any extra would be mailed back to XXXX. 

XX/XX/XXXX I sent a email to Mohela stating that I wanted an audit done XXXX my account because my students loans had never gone over {$41000.00}. And where did the extra $ XXXX come from which would put my student loans {$47000.00} which is no way when again my loans on my credit report stayed under $ XXXX. I only received a response that it would be looked into. 

Today, XX/XX/XXXX I decided to follow up. I spoke to a lady that advised that only XXXX loans were paid off and that I needed to provide proof of the disbursements from XXXX to Mohela. I advised the lady that all XXXX loans were paid off totaling roughly $ XXXX and that I had received an email that my loan balance was {$0.00}. I asked how in the world did $ XXXX from XXXX disbursements disappear?? Because my student loans were only $ XXXX. So XXXX sent $ XXXX to pay off loans so where in the heck did $ XXXX come from?? 

I have all the proof from my credit report showing I owed less than $ XXXX on student loans. I have proof of the XXXX disbursements that XXXX sent to Mohela to pay off ALL loans. So I want an audit conducted on where the $ XXXX from the refinance went?? 

I didnt want to have to file a complaint but it has finally come to that!

Company response to consumer: In progress
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am having difficulties logging into my online account at the Experian website. My password does not work to the online portal, and I have requested a password change to my email address, yet I am not receiving the emails at my email address. My two-factor authentication is no longer working on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MD

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX date open : XX/XX/year> I have never lived at these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a file with a credit bureau about a fraud on my credit never got a 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 2025-09-27 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: MI

Complaint narrative:
I am disputing collection accounts that are being reported by XXXX XXXX XXXX XXXX and XXXX XXXX. These companies are reporting alleged debts on my credit report without providing proper validation or proof of ownership. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure that all information is accurate, complete, and verifiable. I requested validation of these accounts and proof of permissible purpose to report them, but neither company has provided original signed contracts, assignment agreements, or chain of title to prove they have the legal right to collect or report this debt. 

Reporting an account without proof of ownership or permissible purpose is a violation of FCRA 604 and 609, as well as the FDCPA. I am requesting that these unverifiable accounts be removed from my credit reports with Experian, Equifax, and TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MI

Complaint narrative:
I am disputing collection accounts that are being reported by XXXX XXXX XXXX XXXX and XXXX XXXX. These companies are reporting alleged debts on my credit report without providing proper validation or proof of ownership. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure that all information is accurate, complete, and verifiable. I requested validation of these accounts and proof of permissible purpose to report them, but neither company has provided original signed contracts, assignment agreements, or chain of title to prove they have the legal right to collect or report this debt. 

Reporting an account without proof of ownership or permissible purpose is a violation of FCRA 604 and 609, as well as the FDCPA. I am requesting that these unverifiable accounts be removed from my credit reports with Experian, Equifax, and TransUnion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am reporting inaccurate information thats reported on my credit profile

Company response to consumer: Closed with non-monetary relief