vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted XXXX XXXX to report that the auto loan I had with them is appearing twice on my credit report. The representative informed me that there was nothing they could do and advised me to contact the credit bureau directly. I filed disputes with Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but despite the information being incorrect, the duplicate account continues to be verified and has not been removed. Additionally, Experian is reporting a charge-off on my account for XXXX, XXXX, and XXXX of XXXX, followed by a repossession for XXXX, XXXX, and XXXX of the same year. Then returned back to a charge off for XXXX XXXX XXXX I was never notified of a repossession, and there was no formal process or communication indicating that one occurred. It is highly concerning that the report reflects XXXX months of repossession listings, which is misleading and incorrect. 

According to my credit report, the last payment on this account was in XX/XX/XXXX, which is inaccurate. I no longer had the vehicle after XX/XX/XXXX, and my final payment was actually made in XX/XX/XXXX. Im working hard to improve my credit, but these reporting errors are making it very difficult.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting that the credit bureaus permanently delete the inaccurate late payment notations associated with the following accounts : XXXX. XXXX XXXX Account Number : XXXX These late payments were reported without proper notice from the furnishers, which is a direct violation of the Fair Credit Reporting Act. I am asking the credit bureaus to : Conduct a full reinvestigation as required by FCRA 1681i.

Require the furnishers to provide proof that I was notified of the due date and given an opportunity to resolve the account before the late payment was reported. 

Permanently delete the late payment from my credit report if such documentation can not be produced. 

Provide written confirmation of the deletion and send me a corrected and updated copy of my credit file within 15 business days. 

I believe this is a fair resolution based on the legal obligations outlined under the FCRA and my right to an accurate and fairly reported credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I disputed a collection account reported by XXXX XXXXXXXX XXXX ( account beginning with XXXX ) through Experian in [ XXXX, 2025 ]. I requested full verification of the debt, including documentation proving the validity, amount, origin, and my responsibility for the debt. 

Experian responded stating that the account would remain on my report, but they did not provide any supporting documentation or validation from the furnisher, as required by the Fair Credit Reporting Act ( FCRA ). I was not given any proof of the debt, billing records, dates of service, or any legally binding agreement. 

This violates my rights under the FCRA, which entitles me to a reasonable investigation and verification. Because no proof was presented, I am formally requesting that this account be deleted from my credit report. The failure to validate this debt or correct the inaccurate reporting is materially harming my creditworthiness and financial opportunities.

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 2025-08-07 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: UT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-07 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: GA

Complaint narrative:
A collection account from XX/XX/XXXX appeared on my credit report with a reported date of XX/XX/XXXX. I do not recognize this debt, was never notified about it, and have never received any communication or validation fromXX/XX/XXXX or any collection agency acting on their behalf. 

I did not receive a written notice of this collection, nor was I given the opportunity to validate or dispute the debt within the required 30-day timeframe under the Fair Debt Collection Practices Act ( FDCPA ). I have never opened or knowingly defaulted on any account withXX/XX/XXXX. 

On XX/XX/XXXX. I reviewed my credit report and saw this account for the first time. Since then, I have not received any explanation or proof of the debts validity. I am requesting that the company provide full validation of the account, including the original creditor, itemized charges, and proof that the debt belongs to me. If they can not do so, I am asking that the account be removed from all credit reporting agencies. 

I believe this may be an error or possible case of mistaken identity, and I am exercising my rights under the FCRA and FDCPA to dispute this item. Please investigate this matter and ensure that companies reporting inaccurate or unverifiable information are held accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I am requesting the permanent deletion of all fraudulent accounts and unauthorized inquiries listed in my dispute. These include multiple hard inquiries and accounts I did not authorize or open, as documented in my FTC Identity Theft Report. I am also requesting a corrected credit report reflecting the removal of all identity theftrelated information and written confirmation that these deletions have been completed. This should be done in accordance with FCRA 1681c2, which requires blocking such information within 4 business days. I expect full compliance within 15 business days of receipt. 

XXXX XXXX Date of inquiry : XX/XX/year> XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX Account Number : 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 2025-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Central Research Inc
State: FL

Complaint narrative:
Follow up to complaint XXXX XXXXXXXX ; my loans were transferred to Central Research Inc. XXXX XX/XX/year> from XXXX. I have been trying to set up my account with Central Research Inc since being advised by XXXX that my account was being transferred by XXXX XXXX XXXX XXXX I still have not been allowed to create my account with which to pay my outstanding student loans. Central Research Inc 's website is blocking account creation and calls to them are not going thru as I do not have an account set up with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXXI Did Not Consent To The Following Inquires That Im About To Provide I Had No Knowledge At The Time That Inquiries Was MadeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I Reached Out To Credit Breau And They Didnt Respond In A Timely Matter'

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 2025-08-07 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: DISCOVER BANK
State: FL

Complaint narrative:
I am filing this complaint regarding Discover Bank 's continued credit reporting and contradictory response concerning an account ending in XXXX, with a reported balance of {$16000.00}. Their written response dated XX/XX/year>, contains material contradictions, documentation gaps, and legal violations under both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information Under 15 USC 1681e ( b ) and 15 USC 1681i I am entitled to an accurate credit report I am requesting a review of these entries and if they can not be verified as accurate they should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NV

Complaint narrative:
These items in my credit fi les are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out inmy name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I am entitled to a fair opportunity to dispute this account before it is reported. Your failure to provide me this opportunity is a direct violation of my rights under the law.

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 2025-08-07 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
a collection agency reported a account that is not mine for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I made a lump payment on XX/XX/XXXX of 2024 and the ford credit company shut off my auto pay without notifying me. They stopped sending me bills and emails for payments. I did not pay the last 4 months of my lease in advance incase I turned vehicle in early. I received an alert a year later from credit karma stating ford reported a 30 day past due payment. I contacted them and they stated they turned off my auto pay because I paid a whole year in advance without notification. Then they did not send me invoices showing I when next payment was due according to the ford credit representative. I made payment again for the past due amount and the next month in advance. I also opened a dispute with them and they have not resolved it and removed it off my credit report. Lowering my credit from XXXX to XXXX for a XXXX payment. XXXX lease I did the same but they send me invoices and notifications every month and never turned off my auto pay. How was I supposed to know the exact day if they shut off my auto payment with my knowledge and stop sending me bills. Until today I still have yet to receive a bill even after speaking with them. I have never been late on a payment ever and Im always ahead. I need this to be removed and fixed since ford credit is not doing their job and fixing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I am filing a complaint against Freedom Mortgage for reporting inaccurate late payment information and failing to provide proof of the alleged delinquency, in violation of the Fair Credit Reporting Act ( FCRA ) XXXX. On XX/XX/year>, I filed a formal dispute with XXXX XXXX XXXX XXXX  regarding late payment reporting on my Freedom Mortgage account ( ending in XXXX ). The bureaus responded that Freedom Mortgage verified the late payment but did not provide any supporting documentation or records. Under FCRA 623 ( a ) ( 8 ), furnishers are required to conduct a reasonable investigation and provide evidence of the accuracy of the information they furnish. Freedom Mortgage has failed to provide such documentation, nor have they demonstrated compliance with XXXX XXXX reporting standards. I am requesting that the CFPB compel Freedom Mortgage to either : Provide verifiable proof of the alleged late payment ( e.g. payment ledger, internal account records, or correspondence ) ; or Remove or correct the inaccurate late payment from my credit reports. Failure to provide this documentation indicates a violation of FCRA 623 ( b ) for failing to conduct a reasonable investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NV

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Furthermore, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 1 am entitled to a fair opportunity to dispute this account before it is reported. Your failure to provide me this opportunity is a direct violation of my rights under the law.

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 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
b'I Did Not Consent To The Following Inquires That Im About To Provide I Had No Knowledge At The Time That Inquiries Was Made:\nXXXX 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 non-monetary relief
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent account on my credit reports, which have resulted from identity theft. This account were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These account in question are : XXXX XXXX High Balance : {$3700.00} Account Number:XXXX Date : XX/XX/year> Duration : 7 years

Company response to consumer: Closed with non-monetary relief