vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: IN

Complaint narrative:
I am writing to request your help in investigating these accounts, which are inaccurately listed on my credit report. As outlined under USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all pertinent documents for your careful review. Moreover, the account information differs significantly among the credit bureaus and contains several errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-15 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: RoundPoint Mortgage Servicing LLC
State: MI

Complaint narrative:
I did not approve the sale of my mortgage to this servicer. My spouse has been able to utilize the webpage easily until round point became by mortgage servicer for three months. She has been unable to login whenever she can not. She goes through the whole process of trying to reset the password to make her login active. The website has not allowed for this all three times when she tries to call the wait times are extreme. I suspect because everybody is having difficulty with the website because its garbage. I tried to set up access to the account via the app and it would not let me create a password. I tried to call and no surprise, There were XXXX  people waiting ahead of me. I submit this company should not be allowed to arbitrarily purchase peoples mortgages and then not have the willingness or ability to service them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$590.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5000.00}

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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at XXXX  that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-07-15 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: FL

Complaint narrative:
b'I sent a certified letter to Experian on XXXX via XXXX  mail with a tracking number of   XXXX XXXX XXXX XXXX XXXX XXXX . The letter was delivered to Experian in XXXX,TX on XXXX at XXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. Experian ignored my request and I proceeded to send another letter on XXXX. They also ignored my 2nd letter. The accounts that were included in both letters were.\n\n1. XXXX XXXX the balance is $XXXX with account number  XXXX\n\n2. XXXX the balance is $XXXX with 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am an authorized signer on a credit card at XXXX ending in XXXX. XXXX says they have been reporting to all three bureaus since XX/XX/year>. They say my social security number and name and address are correct. 

But none of the XXXX credit bureaus will give me a free credit report. XXXX says no history. Experian is HORRIBLE. It is impossible to get a human on the phone, and when you do they say call the bank, they have no idea why it was not reported. I have not tried XXXX  on the phone, but online they will not allow me to order a free credit report. 

Please have the four companies involved ( XXXX, Experian, XXXX XXXX XXXX ) research my account and provide to me my updated score, a copy of the free credit report and a letter of apology. 

The best way to reach me is via email. 

Thanks

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am an authorized signer on a credit card at XXXX ending in XXXX. XXXX says they have been reporting to all three bureaus since XX/XX/year>. They say my social security number and name and address are correct. 

But none of the three credit bureaus will give me a free credit report. Equifax says no history. XXXX  is HORRIBLE. It is impossible to get a human on the phone, and when you do they say call the bank, they have no idea why it was not reported. I have not tried XXXX on the phone, but online they will not allow me to order a free credit report.

Please have the four companies involved ( XXXX XXXX  Equifax and XXXX XXXX research my account and provide to me my updated score, a copy of the free credit report and a letter of apology.

The best way to reach me is via email. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-15 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX XXXX XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Credit Report XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Equifax, I am writing to formally dispute an item on my credit report that I believe is inaccurate and should be removed. I recently reviewed my credit report through \ [ XXXXXXXX ], and I noticed the following account still appears on my report XXXX XXXX Creditor : XXXXXXXX XXXX XXXX XXXX Account Number ( partial ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXXXXXX XXXX Reported Closed : XX/XX/XXXXXXXX XXXX  Balance : {$0.00} * High Balance : {$17000.00} I do not believe this account should be reported negatively on my file. The account shows no late payments over the last five years, reports a {$0.00} balance, and reflects as closed. Yet, it seems to remain on my credit file in a way that continues to lower my score.

As you can see in the attached screenshot of the payment history, there are XXXX XXXXXXXX late payments recorded for the last five years at least *, and the account is marked as paid and closed as of XX/XX/XXXX. I kindly request that you investigate this account with the creditor and, if it is verified to be paid and in good standing, to remove any negative or derogatory reporting associated with it. 

Please let me know if you require additional documentation from me to support this dispute. 

I look forward to your response and a resolution to this matter within the 30 days required by the Fair Credit Reporting Act ( FCRA ). 

Thank you very much for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: CO

Complaint narrative:
Amsher, I never received or activated the two mobile devices I paid for at a XXXX XXXX. XXXX used the wrong address when setting up my account and sent one of the two devices I purchased to my old address as well. I spent hours on the phone trying to figure it out and also found that the services and prices I was promised at the store were not accurate. I decided to cancel everything. XXXX told me on the phone to return the one Device I did receive, to the store and so long as the devices were returned and nothing activated I would not be charged. I went to return the one unopened devise at the store and they told me I had to return it to XXXX  and that they could not help me with the return or cancellation. I returned and confirmed the return of both devices. I never activated or used any services from XXXX. I called XXXX and they confirmed this was their mistake and that they would call AmSher to cancel the debt but apparently they never did. This is the third time I have explained this to Amsher. 

For the third time, please contact XXXX, as I have, and confirm, as I have, that I never actually activated, used, or received service from XXXX  I timely cancelled this transaction because it was a bait and switch, which has now cost me many hours of my life. If, for some crazy reason, XXXX tells you differently than they told me, then let me know, and I will file a fraud claim and/or identity theft because I never activated or used their services. I have recordings of my calls with XXXX and Amsher to verify these things, including Amsher 's continued attempts to collect from me after my first dispute and before any verification.

I do not need you to verify that XXXX has a debt out there for me I need you to verify that it is wrong and I never activated or used their service. Back in XXXX or XX/XX/year>, when I first received notice by telephone of all these issues I called XXXX and they gave me Reference Number XXXX at the start of their investigation. 

Amsher 's website will not allow me to upload the audio recordings I have with XXXX and Amsher. Please provide a site where I can upload these things as well. 

The full recordings from beginning to end with Amsher and XXXX are more than 10MB. I can provide them by some other means if and as needed. Please advise.

Thank you for any help or direction you might have for me. After my second request to verify the debt, Amsher verified only that the debt was there, but not as I requested, that it was accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
On XX/XX/XXXX, I submitted a formal dispute to Equifax through its online Dispute Center, disputing multiple fraudulent accounts and adverse items that resulted directly from identity theft linked to both the Equifax Data Breach and the XXXX XXXX XXXX. 

With my dispute, I provided all required documentation under the Fair Credit Reporting Act ( FCRA ) 611 and 605B : An FTC Identity Theft Affidavit, Documented proof that I was a confirmed victim of the Equifax Data Breach via screenshot and reference number, A government-issued ID and proof of current address.

Under the FCRA, Equifax is required to : 1. Block reporting of any information resulting from identity theft within 4 business days of receiving proper proof of identity theft ( FCRA 605B ).

2. Complete a reasonable reinvestigation within 30 days ( FCRA 611 ) and remove unverifiable or fraudulent accounts.

3. Provide timely, written results of the investigation and access to my updated credit report.

As of today : Equifax has failed to block or remove the fraudulent items as required by law.

Equifax has failed to provide any proof that the disputed accounts were verified with my creditors.

Equifax has now restricted my access to my credit report entirely, preventing me from monitoring the status of my credit and dispute.

Meanwhile, the exact same dispute with the same documentation was accepted by XXXX XXXX XXXX, which removed the fraudulent accounts within a few days demonstrating that Equifaxs inaction is unreasonable and unjustified.

This is a clear violation of the FCRA and the FACTA identity theft provisions. I should not continue to suffer damage to my credit caused by Equifaxs own data breach while Equifax ignores its federal obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$970.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief