vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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:
I am sending this complaint to formally request that you block and remove specific inaccurate inquiries and information appearing on my credit file, as permitted under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. This provision grants consumers the right to have fraudulent or incorrect information blocked from their credit reports when it results from identity theft or erroneous reporting. The following entries are disputed as inaccurate or unauthorized : XXXXXXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement.

I am submitting this statement to formally request the Consumer Financial Protection Bureaus assistance regarding the inaccurate late payment reporting for my XXXX XXXX account ( XXXX ) currently appearing on my Transunion credit file. I have already filed a formal dispute directly with Transunion and the furnisher, explaining that the late payment entries are incorrect and are the result of internal reporting or transmission errors by the creditornot from any actual delinquency or missed payment on my part.

Under the Fair Credit Reporting Act ( FCRA ) 1681i, Transunion is required to conduct a reasonable reinvestigation of any disputed information and to delete or correct any entry that is inaccurate, incomplete, or unverifiable. Additionally, under 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Despite my compliance with the proper dispute procedures, the inaccurate late payment entries remain on my credit report, which demonstrates a failure by the parties involved to uphold their statutory obligations.

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Santander XXXX, I called Santander XXXX  and reported a check that I thought was fraudulent that was deposited to my account at a precautionary and they close my account. I also requested to dispute some transactions that were fraudulent that were made from crypto scams but they didnt even let me do that. Please help me get into my account and get my funds back.

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 2025-10-31 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 sending this complaint to dispute inaccurate information appearing on my credit report. The addresses listed under my name XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX are incorrect and do not reflect my current or prior residence. Reporting inaccurate personal identifying information violates FCRA 607 ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. Additionally, the account XXXX  XXXX XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX is inaccurately reported as a charge-off, even though the account had a {$0.00} balance and the last payment was made on XX/XX/year>. Reporting this account as an open or unresolved charge-off violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: Freedom Mortgage Company
State: FL

Complaint narrative:
I am disputing inaccurate credit reporting by Freedom Mortgage Corporation.

Freedom reported my loan as 120+ days late and a XX/XX/year> late payment, even though I was under an active forbearance review and later approved for two consecutive forbearance plans ( XXXX and XXXX XXXX  ). 

On XX/XX/year>, Freedom Mortgage sent me a letter clearly stating : You are required to make your monthly payments during the review process. 

Following their instruction, I made a payment in XX/XX/year>. Shortly after, I was informed that my first forbearance application was canceled because I made that payment, and I was told to reapply. During this confusion, they reported me late for XX/XX/year> which was incorrect since the account was under active review.

Later, after my home was sold and the loan fully paid off on XX/XX/year>, Freedom still reported my account as 120+ days late instead of current and paid.

This inaccurate reporting has severely impacted my credit score, and multiple disputes submitted directly to Freedom were closed without any proper review.

I am requesting CFPBs assistance in having this inaccurate reporting corrected with all major credit bureaus and Freedom Mortgage instructed to fix my account status.

Please let me know if you need any other proofs other than attached

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 2025-10-31 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MA

Complaint narrative:
I haven't been able to withdraw or send money from my cash app account. I reached out 18 days ago on XX/XX/XXXX and still have not received a reply back. Every time I reach out, they say the case is under investigation and their team will reach out via email which they don't. Initially I was told this can take up to 10 days which was obviously a blatant lie. I have {$9600.00} in the account that I need to make a payment and have received absolutely no help to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am submitting this complaint regarding inaccurate and unlawful reporting practices related to the accounts listed in the attachments. These actions have violated my federally protected consumer rights under 15 U.S.C. 1681 and related provisions. I assert that no permissible purpose under 15 U.S.C. 1681b ( 2 ) has been established for the reporting or sharing of my private financial information. Under the FCRA, a permissible purpose must be established before any consumer report can be furnished. Additionally, pursuant to 15 U.S.C. 6802 ( a ), a financial institution may not, directly or indirectly, disclose nonpublic personal information to a non-affiliated third party without proper authorization. Further, under 6802 ( b ) ( 1 ) : ( A ) Clear and conspicuous written or electronic disclosure must first be provided to the consumer ; ( B ) The consumer must be given the opportunity to direct that such information not be disclosed ; and ( C ) The consumer must be given an explanation of how to exercise that nondisclosure option. No such disclosures or authorizations were provided to me. Under 15 U.S.C. 1681, Section 602 ( A ), I have the right to privacy. Furthermore, 604 ( a ) ( 2 ) states that a consumer reporting agency may not furnish a consumer report without my written instructions. The reporting of late payments also violates 15 U.S.C. 1681c ( a ) ( 5 ), which prohibits a consumer reporting agency from including adverse information in a report if it antedates the report by more than seven years. Additionally, under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment on a credit card account as late for any purpose if it was received by the due date and within the grace period. Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ), no person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

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 2025-10-31 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), I am submitting this complaint regarding inaccurate and unlawful reporting practices related to the accounts listed in the attachments. These actions have violated my federally protected consumer rights under 15 U.S.C. 1681 and related provisions. I assert that no permissible purpose under 15 U.S.C. 1681b ( 2 ) has been established for the reporting or sharing of my private financial information. Under the FCRA, a permissible purpose must be established before any consumer report can be furnished. Additionally, pursuant to 15 U.S.C. 6802 ( a ), a financial institution may not, directly or indirectly, disclose nonpublic personal information to a non-affiliated third party without proper authorization. Further, under 6802 ( b ) ( 1 ) : ( A ) Clear and conspicuous written or electronic disclosure must first be provided to the consumer ; ( B ) The consumer must be given the opportunity to direct that such information not be disclosed ; and ( C ) The consumer must be given an explanation of how to exercise that nondisclosure option. No such disclosures or authorizations were provided to me. Under 15 U.S.C. 1681, Section 602 ( A ), I have the right to privacy. Furthermore, 604 ( a ) ( 2 ) states that a consumer reporting agency may not furnish a consumer report without my written instructions. The reporting of late payments also violates 15 U.S.C. 1681c ( a ) ( 5 ), which prohibits a consumer reporting agency from including adverse information in a report if it antedates the report by more than seven years. Additionally, under 15 U.S.C. 1666b ( a ), a creditor may not treat a payment on a credit card account as late for any purpose if it was received by the due date and within the grace period. Pursuant to 15 U.S.C. 1681s-2 ( a ) ( 1 ), no person may furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

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 2025-10-31 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: TX

Complaint narrative:
I dispute multiple unauthorized credit inquiries on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). I did not authorize them. Prior disputes received no validation per FCRA. I have a fraud alert and credit lock. Please investigate and remove unless validated Please mail or email copies of results to me.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I dispute multiple unauthorized credit inquiries on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ). I did not authorize them. Prior disputes received no validation per FCRA. I have a fraud alert and credit lock. Please investigate and remove unless validated Please mail or email copies of results to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
I ask for the immediate removal and deletion of this account.Delete

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 2025-10-31 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:
I ask for the immediate removal and deletion of this account.Delete

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 2025-10-31 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am disputing these collection accounts because I did not receive any prior written notice from the collectors as required under FDCPA 809, which means I was never afforded my right to request debt validation. These accounts were reported without proper notice, making it unverified and improperly placed on my credit file. Furthermore, these accounts do not belong to me. If you believe otherwise, you are required to provide full and complete validation, including the original signed contract or application bearing my identifying information, as well as documentation showing your legal authority to collect and report this debt. If you can not produce this evidence, the account must be immediately deleted from my credit report in accordance with the FCRA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I obtained a copy of my credit report after an adverse action notice in XX/XX/year> at which time I noticed a collection account had been added to my bureau. I contacted the original credit to ask for an accounting of the debt as I was unaware of any outstanding balance. The original creditor informed me the debt had been referred to a collection agency and they no longer have any accounting of the debt and I would have to contact the collection agency. I have attempted to verify a debt reported to my XXXX  credit bureau by Columbia Debt Recovery LLC to which I have received no response after multiple months and attempts to verify the accuracy and validity of the debt.

I sent my initial verification request via certified mail on XX/XX/year>. After 30 days I received no response. I sent a second verification request on XX/XX/year> and as of XX/XX/year> I have received no response from the company. The debt is not accurate or valid and I am requesting the debt be removed from my credit bureau immediately unless the collection agency can provide written validation of the debt with a full accounting of the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX U.S.C. XXXX ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA XXXX and XXXX for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-31 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-31 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: FL

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding inaccurate address information currently listed on my credit report. The addresses listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are incorrect and do not reflect my residence. I have never lived at, used, or had any financial, legal, or personal connection to any of these addresses. Their presence on my credit report is erroneous and XXXX result from a clerical error, file merging, or identity confusion. Despite my prior dispute, these inaccuracies remain on my file, and I have not received any verification results or explanation from the credit bureau. This constitutes a violation of the FCRAs requirement for consumer reporting agencies to conduct a reasonable reinvestigation and ensure the accuracy of information ( FCRA 611 ( a ) ( 1 ) ( A ), 609 ( a ) ( 1 ) ).

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