vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
For the past years weve been with this company about XXXX there has been many complications! XXXX of every year they have sent projections and assessments for raising our payments! Lack of escrow! About XXXX years ago we endorsed signed over a check of XXXX! We have yet to find out whether they actually deposited it to our escrow account! We had to take our homeowners insurance out of their hands to keep us from having to pay them more! Anything we can do to keep them from having to pay them more! They had us listed in their computer system as being taxed for XXXX counties in Illinois! We live in XXXX XXXX and that is XXXX! This was and is a red flag for us that someone is not doing their job and its costing us!! We need a better explanation of why this is occurring and why so frequently!

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have filed a complaint regarding an inaccurate negative item that has appeared on my credit report with the credit company. The information is still on my report even after a settlement paid in full.This information is having an unfair negative impact on my credit score. I have already contacted the credit reporting agency and the creditor involved to dispute the entry, but the issue has not been resolved. 

I am requesting your assistance in investigating this matter and ensuring that the inaccurate negative information is removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: IL

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: FL

Complaint narrative:
Full Name : XXXXXXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Loan Number : XXXX Servicer : LoanCare LLC TYPE : FHA MORTGAGE ( originated by XXXX XXXX XXXX, * * transferred to LoanCare effective XX/XX/XXXX * * ) PROBLEM : ESCROW ILLEGAL WITHHOLDING BACKSTORY ( SHORT ) : - Bought XX/XX/XXXX - XXXX floodwater/ wind damage ( XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX ) - XXXX  XXXX  XXXX year * * FULL PAYOUT WON * * - 100 % demo completed & * * paid by prior servicer ( XXXX ) XXXX * - Living nearby in temp apartment ; * * ALL belongings still inside XXXX property, secured * * XXXX ( after * * XX/XX/XXXX transfer * * ) : XXXX. * * FALSE VACANT/ABANDONED notice * * XX/XX/XXXX ( photo attached ) XXXX. * * LIED * * on XX/XX/XXXX 10 % complete ( demo was 100 % ) XXXX. * * WITHHOLDS insurance + reimbursement funds * * despite approval & invoices XXXX. * * CALL LOG ATTACHED * * repeated calls, * * runaround, no updates, file sits on desk with XXXX progress * * VIOLATES : - HUD 4000.1 III.A.2.h * * MUST * * release for repairs - 24 CFR 203.379 No abandoned without HUD - RESPA 1024.34 Improper escrow hold - CFPB Bulletin XXXX No post-disaster delay DEMAND ( 24 HRS ) : 1. * * RELEASE ALL FUNDS TODAY * * for repairs XXXX. * * RETRACT XX/XX/XXXX report * * XXXX. * * REMOVE abandoned label * * XXXX. * * STOP FORECLOSURE * * ( no HUD approval ) Currently in forbearance, halting action necessary to move back in and out of forbearance. 
XXXX. * * Escrow audit + penalty * * ATTACHMENTS : ( Additional attachments to be uploaded. Space limations during initial case creation ) - Guardian notice ( XXXX ) - Guardian false report ( XX/XX/XXXX ) - 100 % demo photos- Insurance approval - * * Loan transfer notice ( XX/XX/XXXX ) * * - Invoices - * * Call log with LoanCare ( runaround, no progress ) * *

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 2025-10-28 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: NC

Complaint narrative:
We contacted the furnisher and the credit bureau to request verification under the Fair Credit Reporting Act ( FCRA ) 611, but the responses received did not include sufficient documentation proving the accuracy of the account. The information continues to appear on the credit report, negatively affecting the clients creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MO

Complaint narrative:
There is something definitely wrong with the way. The credit bureau is reporting me and my cycle score is being reported if my credit bureau reports are pulled up and reviewed and my total credit old is manually reviewed and not computer synchronized these errors would be caught in corrective, but every time I do any type of dispute, the credit bureaus disputes are done electronically through AI automation and it is affecting the way my scores are being reported my debt ratio income level and revolving credit does not substantiate what is being reported to all three bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MO

Complaint narrative:
There is something definitely wrong with the way. The credit bureau is reporting me and my cycle score is being reported if my credit bureau reports are pulled up and reviewed and my total credit old is manually reviewed and not computer synchronized these errors would be caught in corrective, but every time I do any type of dispute, the credit bureaus disputes are done electronically through AI automation and it is affecting the way my scores are being reported my debt ratio income level and revolving credit does not substantiate what is being reported to all three bureaus

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
For a couple of years, I have been disputing an inaccurate and damaging collection account being reported by XXXX XXXX XXXX XXXX XXXX, related to a closed and canceled XXXX XXXX XXXX XXXX XXXX. 

XXXX charged off and sold this account in 2020 after recovering the remaining balance, yet XXXX continues to report an active {$8600.00} balance as collectible. Both XXXX and XXXX are reporting the same debt simultaneously, which violates FCRA 607 ( b ) ( accuracy ), 611 ( a ) ( reinvestigation ), and FDCPA 807 ( 8 ) ( false representation of amount owed ).

Despite multiple disputes with the credit bureaus, neither company has provided verifiable documentation from the original creditor proving ownership or legal authority to collect. The ongoing dual reporting has severely harmed my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ok, XXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute several charge-off accounts listed on my credit report. These accounts are reported under the name " Unknown Creditor '' and are associated with the following account numbers : Account # XXXX XXXX These entries are negatively affecting my credit profile, and I am requesting a full investigation into their accuracy and validity. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information, and the consumer reporting agency is required to investigate the matter unless the dispute is deemed frivolous. 

If these accounts can not be verified as accurate and complete, I respectfully request that they be deleted from my credit report in accordance with FCRA guidelines. Please provide written confirmation of the results of your investigation and any actions taken. 

Additionally, I would like to place a security freeze on my credit report to prevent unauthorized access and protect against identity theft. Please confirm once this has been applied. 

Enclosed are copies of my identification and any relevant documentation to assist with your investigation. 

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day timeframe required by law. 

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 non-monetary relief
Consumer complaint received 2025-10-28 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: CO

Complaint narrative:
I am writing to dispute inaccurate and incomplete information appearing on my Experian credit report. This letter serves as a formal request under 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ) for you to conduct a reasonable reinvestigation and remove or correct the items listed below. 
XXXX. Personal Information Errors Please retain only my correct and current identifiers : Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX : XX/XX/year> Delete the following inaccurate and outdated identifiers : Any former or misspelled names ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX prior addresses not listed above Any outdated or incorrect employer information This information is not current, contributes to mixed-file risk, and violates the requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). 
XXXX. Public Record Bankruptcy Your report lists a XXXX  XXXX bankruptcy without showing the court name, filing date, case number, or source vendor. 
Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( 7 ), please provide a full description of the procedure used to verify this record, including the exact source/vendor ( XXXX, XXXX, XXXX. ) and copies of documentation relied upon. If you can not verify every field with certified court records, the entry must be deleted per 1681i ( a ) ( 5 ) ( A ). 
XXXX. XXXX XXXX  Revolving Account ( Acct # 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 2025-10-28 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 don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-28 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: MI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-10-28 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, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-28 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: TN

Complaint narrative:
I am writing to dispute the reappearance of accounts that were previously deleted or verified as inaccurate from my Experian credit report. The reinsertion of these accounts without proper notice and verification is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ) and 1681s-2. 

Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$320.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$270.00}

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 explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 non-monetary relief
Consumer complaint received 2025-10-28 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: CO

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 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 2025-10-28 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$210.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$220.00} XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$570.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$3900.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$760.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$330.00} XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} * * Inquiries * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation