vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
I am reporting a wrongful eviction  that appears on my credit report even though it occurred during the XXXX eviction moratorium. 

Under federal and state protections, evictions during that time should not have been filed or reported, and certainly not shared with credit bureaus. This is a violation of my rights under the CARES Act, FCRA, and XXXX orders that were active during that period. 

This inaccurate and potentially illegal item is harming my ability to find safe housing. I am requesting that this eviction be fully investigated and removed from my credit report immediately. 

I have disputed the eviction with Equifax, Experian, and TransUnion, and I am including supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 writing to formally dispute a late payment that has been incorrectly reported on my credit file under the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to the credit report, this account reflects one or more late payments, which is entirely inaccurate and unsupported by my payment history. 

I have reviewed my records and verified that all payments on this account have been made on time. I have never received any notice of delinquency from XXXX or XXXX, nor have I failed to comply with the payment terms. Therefore, I believe this negative item was reported in error. 

Under the Fair Credit Reporting Act ( FCRA ) : Section 1681i requires that credit reporting agencies conduct a reasonable reinvestigation when a consumer disputes inaccurate information.

Section 1681s-2 obligates furnishers ( in this case, XXXX 's XXXX XXXX XXXX report only accurate and verifiable information to the credit bureaus. 

I am formally requesting the immediate deletion or correction of the late payment notation from my credit report and that a written confirmation of this action be provided. Continuing to report this false information after being notified of its inaccuracy may constitute willful noncompliance, subject to legal consequences under FCRA 1681n and 1681o.

Please consider this letter a formal dispute under federal law. I expect resolution within the 30-day period allowed under the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX & XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX, XXXX & XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX Account Name XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: AZ

Complaint narrative:
I am disputing how XXXX XXXX has reported my private student loans to the credit bureaus. Although these loans were disbursed under a single borrowing structure, my credit report now shows 17 separate charge-offs, each listed as an individual default. This exaggerates the appearance of financial mismanagement.

The charge-off balances are also significantly inflated one loan originally around {$2000.00} is listed as over {$5400.00} written off. 

Due to XXXX XXXX refusal to offer flexible repayment terms or work with me on affordable monthly payments, I was forced to refinance through a third-party servicer ( XXXX ), which required me to allow the loans to enter default before they could take over the debt. 

Since refinancing in XX/XX/year>, I have made every payment in full and on time. Ive requested documentation from XXXX XXXX to explain the charge-off amounts and reporting method but never received sufficient detail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AZ

Complaint narrative:
I am disputing how XXXX XXXX has reported my private student loans to the credit bureaus. Although these loans were disbursed under a single borrowing structure, my credit report now shows 17 separate charge-offs, each listed as an individual default. This exaggerates the appearance of financial mismanagement.

The charge-off balances are also significantly inflated one loan originally around {$2000.00} is listed as over {$5400.00} written off. 

Due to XXXX XXXX refusal to offer flexible repayment terms or work with me on affordable monthly payments, I was forced to refinance through a third-party servicer ( XXXX ), which required me to allow the loans to enter default before they could take over the debt. 

Since refinancing in XX/XX/year>, I have made every payment in full and on time. Ive requested documentation from XXXX XXXX to explain the charge-off amounts and reporting method but never received sufficient detail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: AZ

Complaint narrative:
I am disputing how XXXX XXXX has reported my private student loans to the credit bureaus. Although these loans were disbursed under a single borrowing structure, my credit report now shows 17 separate charge-offs, each listed as an individual default. This exaggerates the appearance of financial mismanagement.

The charge-off balances are also significantly inflated one loan originally around {$2000.00} is listed as over {$5400.00} written off. 

Due to XXXX XXXX refusal to offer flexible repayment terms or work with me on affordable monthly payments, I was forced to refinance through a third-party servicer ( XXXX ), which required me to allow the loans to enter default before they could take over the debt. 

Since refinancing in XX/XX/year>, I have made every payment in full and on time. Ive requested documentation from XXXX XXXX to explain the charge-off amounts and reporting method but never received sufficient detail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: KY

Complaint narrative:
On XX/XX/year> I logged in to make my mortgage payment. My payment was {$840.00} which was for XXXX and XXXX. 

I have never been late or missed a payment in over 15 years and this can be reflected by my credit score and report. 

In the month of XXXX Freedom Mortgage 's website did not reflect me logging in or making a payment on their website. 

I would like help requesting Freedom mortgage 's technical difficulties they had with their online portal for the month of XXXX and also correcting the 30 day late payment on my credit that should not be there. 

XXXX completed the dispute and said it was " accurate '' and do not understand how. 

I have perfect payment history and would like help resolving this as it was an error on Freedom Mortgage 's end. I also received countless requests to open a home equity line with Freedom mortgage to the point of harassment. After denying a HELCO and asking Freedom Mortgage to stop harassing me, my account was not accessible through the month of XXXX and the company put a late payment on my 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 2025-07-18 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of 2 personal credit cards opened at XXXX XXXX on XXXX XXXX, XXXX, under the account number XXXX and XXXX XXXX on XXXX XXXX, XXXX, under the account number XXXX, and 1 personal loan at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts reported. The aforementioned accounts on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, hard inquiries related are the 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 non-monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
As of XX/XX/year>, I submitted a CFPB complaint on inaccuracies on my Experian Credit Report case # XXXX, and it was closed shortly after, as basically accurate or verified. So, I contacted XXXX, and their findings were unverified, so how is that possible??? Experian continues to conduct a " XXXX XXXX ''. I have enclosed a copy of a report from XXXX with their findings. I've been trying to explain the inaccuracies on my Experian Credit Report, but they continue to send me that it was verified or accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Reporting XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I'm writing because I noticed some issues with an account from XXXX XXXX thats showing on my credit report, and Id like to formally dispute it. 

After reviewing the details, there are several inconsistencies between the credit bureaus that just dont add up : - The * * date the account was opened * * isnt even the same across all reports one shows XX/XX/XXXX, and another says XX/XX/XXXX. 
- The * * last active date * * is also different some say XX/XX/XXXX, while one lists XX/XX/XXXX. 
- The * * high credit amount * * is showing as * * lower than the current balance * *, which seems off. 
- Each bureau has different wording under the comments section like charged off, auto charge-off, and profit and loss write-off. 

These conflicting details make me question whether the account is being reported accurately at all. Under the Fair Credit Reporting Act, everything on my credit report needs to be fully accurate and verifiable. Since this account has multiple inconsistencies, Im asking that it be investigated and either corrected or removed entirely from my report. 

Please let me know the results of your investigation and thank you in advance for your time. 

Best, XXXX XXXXXXXX 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 2025-07-18 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : DEPT OF EDUCATIONXX/XX/XXXXXXXX Balance {$2500.00} DEPT OF EDUCATIONXXXX XXXX Balance {$840.00} DEPT OF EDUCATIONXXXX XXXX Balance {$2800.00} XX/XX/XXXXXXXX Balance {$650.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding numerous unauthorized credit inquiries that have appeared on my credit report Equifax. I am the victim of identity theft, and I am requesting immediate investigation and action under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. 
I recently reviewed my credit reports and found several hard inquiries that I did not authorize. These inquiries were made by financial institutions and companies with which I have no current or prior relationship. I have reason to believe that these inquiries are a direct result of identity theft. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with 15 U.S.C. 1681c-2, I have filed an identity theft report, which includes a formal complaint and supporting documentation, such as a police report or an FTC Identity Theft Report. Under this statute, credit reporting agencies are required to block any information resulting from identity theft within four ( 4 ) business days of receiving proper documentation.

The following legal provisions have been violated in relation to these unauthorized credit inquiries : 15 U.S.C. 1681b ( c ) Permissible Purpose : Credit inquiries must be made only with the consumers authorization or for a legitimate business purpose. These inquiries were made without my knowledge or consent.

15 U.S.C. 1681c-1 ( a ) ( 2 ) Fraud Alerts : I have placed a fraud alert on my credit file, and creditors must take reasonable steps to verify identity before extending credit. These inquiries indicate a failure to comply.

15 U.S.C. 1681c-2 Blocking of information resulting from identity theft : The credit reporting agencies have failed to block or investigate the unauthorized inquiries despite being informed of the theft.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to reinvestigate : The credit bureaus are obligated to conduct a reinvestigation upon notice of a dispute, which they have failed to do regarding these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: NC

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 XXXXB of the Fair Credit Reporting Act ( 15 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
Experian REPORT NUMBER XXXX I am writing to follow up on my previous dispute regarding inaccurate and unauthorized information being reported under my federally trademarked name, XXXX XXXX XXXX, by Experian. 

Earlier today XXXX, I spoke directly with a live Experian agent named XXXX, who confirmed that my dispute was processed electronically, without human review. Despite Experian marking my dispute as " verified, '' no representative reviewed the supporting documents or claims I submitted. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable and manual reinvestigation of all consumer disputes. 

Applicable Laws Violated : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a proper reinvestigation of disputed items.

15 U.S.C. 1681i ( a ) ( 3 ) : Requires deletion of unverifiable information.

15 U.S.C. 1681b : Limits the circumstances under which a consumer report may be obtained or used. 

Trademark Violation : Additionally, my name, XXXX XXXX XXXX, is a federally registered trademark protected under : 15 U.S.C. 1114 and 1125 of the Lanham Act, which prohibit unauthorized commercial use and misrepresentation of a protected mark. 

Legal Intent : Due to Experians continued and willful unauthorized reporting of tradelines and accounts using my name without any verbal or written consent, I am formally stating my intent to pursue legal damages in the amount of {$50000.00} per item currently being reported without authorization. This includesbut is not limited toany data Experian has received or furnished about me from third-party furnishers without a valid contract, agreement, or signed authorization. 

Requested Action by CFPB : Require Experian to conduct a full manual reinvestigation of all disputed items. 

Provide furnisher verification documents with original signatures. 

Remove all items unverifiable or reported without direct authorization from me. 

Open a formal inquiry into Experian 's use of automated dispute processing in violation of FCRA. 

I have attached copies of my previous disputes. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One closes my accounts because of suspected fraud. I paid them all off. Two accounts showed interest and fees weeks after they were paid off, but no notification was made to me that a balance was due. Now the accounts with an {$8.00} and {$14.00} balance respectively are showing 60 days past due. I paid them both the moment I learned of the issue. Capital one never gave me notification that a balance of interest charge had accrued on the two accounts

Company response to consumer: Closed with non-monetary relief