vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, only information that is accurate, complete, and verifiable should appear on my report. I am requesting verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: PA

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains the following accounts that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose. A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the XXXX XXXX consent. The inclusion of these accounts and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

The XXXX  inquiries associated with these accounts include : XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information. When a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed items, the credit reporting agency must block that information within XXXX ( XXXX ) business days. I submitted such reports to the FTC ( Report Numbers : XXXX and XXXX ), which clearly identify the disputed items. Despite this, Equifax continues to report the accounts and the inquiries, causing ongoing harm. 

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy. Equifax has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation from the furnishers or the agency demonstrates that this legal standard has not been met. 

Personal Impact : I have been denied for legitimate credit applications due to these unauthorized accounts and inquiries. 

When approved for credit, I am forced to pay significantly higher interest rates. 

I was recently denied rental housing because of this negative information. 

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial stress and embarrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
Dear Experian Dispute Department, I am once again disputing the continued and unlawful reporting of the XXXX XXXX  credit card account ( # XXXX, Ref. # XXXX ). This account is fraudulent, the result of identity theft, and its repeated reappearance on my credit file is not only unacceptable but a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Experian has already removed this account XXXX separate times. That fact alone proves your systems and prior investigations have confirmed the account is illegitimate. Yet, it continues to be reinserted, causing irreparable harm to my creditworthiness, privacy, and financial stability. This constitutes a willful violation of : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Requires blocking and permanent deletion of information resulting from identity theft upon receipt of an FTC Identity Theft Report and proper proof of identity. 
FCRA 611 ( a ) ( 5 ) : Prohibits reinsertion of previously deleted information unless the furnisher certifies accuracy, and requires notice to the consumer within XXXX business days. This has not occurred. 
FCRA 616 & 617 : Makes Experian civilly liable for willful and negligent noncompliance, including statutory damages, attorneys fees, and punitive damages. 
Enclosed again are more than sufficient documents proving my case : FTC Identity Theft Report Attorneys letter confirming representation Copy of my drivers license Proof of residence ( utility bill ) Copy of my Social Security card

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 2025-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-09-22 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: OK

Complaint narrative:
On XX/XX/year>, I received a Notice of Data Incident from but Experian confirming unauthorized access to my personal data, including my Social Security Number and Date of Birth. Because my identity was compromised while in their control, my credit report now contains negative, unverifiable, and potentially fraudulent items. 

I disputed these accounts, but Experian failed to remove them within the required 4-day window under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This provision requires immediate deletion of unverifiable items and prohibits reinsertion without proper certification and notice. XXXX  has ignored these protections, leaving me exposed to identity theft harms and unlawful negative reporting.

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 2025-09-22 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: NC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2025-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: American Financial Network Inc.
State: TX

Complaint narrative:
I am submitting this response regarding my complaint against American Financial Network , Inc. ( AFN ). My experience shows AFNs mismanagement in hiring and supervision, as well as serious compliance failures that harmed both consumers and real estate professionals.

AFN employees mishandled appraisal reports, misrepresented values, and failed to protect sensitive information. These actions caused direct financial losses, reputational harm, and the loss of clients and commissions. AFNs lack of oversight created a culture where both Realtors and consumers were left vulnerable.

I respectfully request that the CFPB hold AFN accountable for these violations and require them to compensate for the damages caused.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: OH

Complaint narrative:
This complaint is not a mistake. My credit report contains multiple inaccurate and/or unauthorized entries that have materially harmed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
On XX/XX/year>, I received credit monitoring alerts from XXXX and also from XXXX  regarding a Capitol One credit card application being opened and approved on XX/XX/year>. I have no idea who did this, but it certainly was not me. It appears that the address used was a place in XXXX, IA where my ex-husband lived after our divorce. I have never lived in XXXX, IA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Guild Holdings Company
State: FL

Complaint narrative:
My loan servicer Guild Mortgage informed me in XX/XX/XXXX that I needed to have wind insurance on my property and back dated it to XX/XX/XXXX. They told me I could get my own quote but no insurance company in Florida will backdate insurance because it is fraudulent. They added a policy onto my mortgage for {$7500.00} for the year.This is in addition to the homeowners policy I was already paying. I was able to get a wind and homeowners insurance policy for the year starting XXXX but not backdated. They made a smaill refund of {$2900.00} for the period the new policy covered but my payment still went up by {$990.00} per month. I am a XXXX XXXX and can not afford to pay that high an amount for my mortgage. Before this started, my insurance was {$2500.00} and was affordable. 
This is a form of extortion as it leaves me with no other choice, although the pretend to give me one. 
I would like to file a formal complaint against this company for fraudulent and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was robbed in XXXX XXXX on XX/XX/year> of both my phone and wallet and filed XXXX police reports with XXXX. I tried reporting this to Bank of America that day but they refused to verify my identity or lock my cards until I was able to go in person to a bank branch. There are no branches in Louisiana, so the thieves had plenty of time to accrue charges on my debit card until I returned to my home state. I appealed with the bank after initial denials, both appeals were denied on debit claims for {$1200.00} and {$810.00}. Total fraud amount is {$2000.00}.

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 monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formal dispute of fraudulent accounts currently listed in my credit file. These accounts are not mine, were not authorized in any way, and have been reported in error. Their inclusion has caused serious harm to my credit profile, leading to an inaccurate reflection of my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
How to car loan through by rider in XXXX XXXX, Indiana ask them to provide me with a payoff quote to pay off the car. They asked me if it was for myself or if I was trading the car off. I stated I wanted to trade their car off they said where And I told them I just needed a payoff quote. They did try to give me a payoff quote that was over {$1000.00} more than what was owed and then tracked me in the car and followed me around all day long after that they contacted me and told me to come outside. They want to talk to me. I instructed no that I was go ahead and turning the car over since the car had more problems than it was worth, and they were overcharging me more than what the car was worth. She told me she was not accepting the car. She want me to talk to her about taking the car back, I said no overturned her the key and she told me that she would make sure that she would garnish my way just after stalking me all day. This is not something that they should be able to take advantage of, especially with someone who has never missed a car payment until that day and have always communicated with them. I feel like they abuse their power and take advantage of people and then try to make sure that they cant survive without paying off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
This letter serves as a formal dispute of the account ( XXXX ) listed under my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( A ) and Section XXXX ( a ) ( XXXX ), I am requesting full validation and documentation of the following : XXXX. A copy of the original contract bearing my wet-ink signature with the alleged creditor. 
XXXX. Documentation proving that I granted authorization and permission for this account to be reported to the credit bureaus. 
XXXX. Copies of the original billing statements and a complete record of itemized charges tied to this account. 
Under FCRA XXXX ( A ), I have the right to expect that information on my credit report is accurate and fairly reported. Under FCRA XXXX ( a ) ( XXXX ), I have the right to know the sources of the information being reported about me. 
If you can not provide the above-requested documentation, then you are in violation of federal law and must immediately delete this account from my credit report. Reporting unverified or unauthorized accounts constitutes willful noncompliance with the FCRA. 
This letter is not a requestit is a demand for compliance with federal law. If this matter is not resolved promptly, I will have no choice but to escalate by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for your failure to comply with the law. 
I expect a written response from your office within the XXXX statutory period as required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

Please delete the following 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  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Incorrect XXXX XXXX, XXXXXXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXXXXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business 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