vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Re : Request for Account Information Account Number : XXXX  - XXXX * * * * Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : XXXX. Date the account was opened XXXX. Date the account was closed ( if applicable ) XXXX. Date the account was sold or transferred ( if applicable ) XXXX. Date the account was charged-off ( if applicable ) XXXX. Date of first delinquency reported XXXX. Date of last payment received XXXX. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CBC Companies, Inc.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
I am a consumer working to fix my credit, and I am disputing the following accounts that have been inaccurately reported on my credit reports from the XXXX major credit bureaus ( Equifax, Experian, and TransUnion ). Below are the details of the disputed accounts : CHARGED OFF XXXX, XXXX, XX/XX/year>, Balance : {$120.00} LATE PAYMENTS XXXX, Account # XXXX CAPITAL XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX, Account # 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 2025-11-25 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: FL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of an item listed on my credit report. After reviewing my credit report, I noticed that the account referenced below is inaccurately being reported as charged off every month, which violates the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXXXXXX XXXX XXXX Account Number : * XXXXXXXX XXXX XXXX XXXXXXXX Account Number : * XXXX According to the FCRA, an account can only be charged off once, and it should not reflect multiple charge-offs on my credit report. This repeated reporting misrepresents my credit history and undermines my financial standing. 

I kindly request that you investigate this matter and correct the inaccuracies. Please provide me with written confirmation of your findings and any actions taken to resolve this dispute. Enclosed are copies of my credit report highlighting the disputed account, along with any other relevant documentation. 

Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I refinanced a mortgage that was serviced by Freedom Mortgage. They provided a payoff statement that showed the total amounts of both the payoff and escrow. All of this information was stated to be accurate as of XX/XX/XXXX. The loan was paid off in full on XX/XX/XXXX. All debts and XXXX escrows were funded by me ( the borrower ) and the new mortgage company. The remaining escrow is to be refunded to me. However, Freedom Mortgage used part of the escrow to pay for a mortgage insurance of approximately {$240.00}. This amount should have been included in the closing amount, but Freedom stated that the payment had already been set as processing. 

This amount should have either been voided and pushed into the closing costs, or disregarded as it was paying insurance on a mortgage that no longer exists. In the best case scenario this is a clerical error. In the worst case they double-charged me for the mortgage insurance amount.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Mailed a copy of a request to have unauthorized inquires removed from all XXXX XXXX Experian, Trans Union, & Equifax by XXXX Mail but received no response. Here is a copy of the letters that were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
On XX/XX/XXXX, I applied for a Home Equity Line of Credit ( HELOC ) with Idaho Central Credit Union ( ICCU ). During my initial conversation with loan XXXX XXXX De XXXX XXXX, I was explicitly told the following : The maximum line amount could reach {>= $1,000,000}, depending on credit, income, and property value. 
XXXX would use the county tax-assessed value to determine property value. 
There would be no loan fee or appraisal required because XXXX relies on tax assessment records. 
I confirmed these representations by reviewing ICCUs website, which states : Fees XXXX range from {$0.00} {$1000.00}. Property insurance required. Exact rate dependent on creditworthiness. Rates as of XX/XX/XXXX. This disclosure reinforced the loan officers verbal assurance of a no-cost option. 
I promptly provided all requested documentation, including XXXX years of tax returns. XXXX performed a hard credit inquiry, and after several days of underwriting I was informed that I was approved for the full {>= $1,000,000} line. Only at that pointafter the hard inquiry and completion of underwritingwas I told that an appraisal would be required at a cost of {$1100.00}. 
This {$1100.00} fee : Was never mentioned or disclosed upfront, despite my direct questions about fees. 
Directly contradicts the loan officers explicit representation that tax-assessed value would be used and that there would be no fee. 
Exceeds the maximum fee ( {$0.00} {$1000.00} ) disclosed on ICCUs own website. 
My XXXX XXXX tax-assessed value is $ XXXX than sufficient to support a {>= $1,000,000} line without an appraisal. 
On XX/XX/XXXX, I spoke with XXXX XXXX De XXXX XXXX XXXX, XXXX. She confirmed she had reviewed the recorded call and agreed that the loan XXXX incorrectly stated XXXX would use tax-assessed value and that no fees would apply. XXXX advised that the loan XXXX had been counseled and would now disclose the potential appraisal requirement for lines over {$400000.00}. However, she declined to waive or reimburse the {$1100.00} appraisal fee. 
I have no objection to reasonable fees when they are transparently disclosed at the outset. Requiring payment only after a hard credit pull and full underwritingwhen I had been expressly promised a no-cost productconstitutes a bait-and-switch practice and a clear violation of the representations made by your employee and your published disclosures. 
I respectfully request that ICCU : XXXX. XXXX the original no-cost representation and waive the {$1100.00} appraisal fee, or XXXX. Reimburse me for the fee if the appraisal has already been ordered/paid, and XXXX. Remove the hard inquiry from my credit reports, as it was performed under misleading terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-11-25 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: AL

Complaint narrative:
I am writing to dispute the following accounts, inquiries, and late payments reported by the credit bureaus. These accounts and inquiries are affecting my credit report and I would like them to be reviewed and corrected, if applicable, under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-11-25 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: VA

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer.

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ).

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I am submitting a dispute for the following accounts on my credit report. Please investigate and ensure that all information is accurate and updated. Below are the accounts in dispute, separated by credit bureau : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights 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 2025-11-25 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: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : MAS FINANCIA - XXXXXXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received XXXX. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
* * This XXXX account must be deleted immediately. It is reporting inaccurate, inconsistent, and incomplete information across the bureaus in violation of 15 USC 1681e ( b ). Contradictory data can not be verified, and therefore is not accurate.

Under 15 USC 1681i ( a ) ( 5 ) ( A ), any information that is inaccurate, incomplete, or unverifiable must be deleted during the reinvestigation process. If you can not verify this account with complete, accurate, and uniform documentation at ANY point, you are required by law to delete it immediately.

Federal law ( 15 USC 1681i ( a ) ( 1 ) ( A ) ) allows 30 days to reinvestigate ; however, you may not continue reporting unverifiable or inconsistent information during this time. If accurate verification can not be produced, this account must be deleted as required by federal law. 

XXXX is also furnishing contradictory and misleading information in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1692e . * * ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
* * This XXXX account must be deleted immediately. It is reporting inaccurate, inconsistent, and incomplete information across the bureaus in violation of 15 USC 1681e ( b ). Contradictory data can not be verified, and therefore is not accurate.

Under 15 USC 1681i ( a ) ( 5 ) ( A ), any information that is inaccurate, incomplete, or unverifiable must be deleted during the reinvestigation process. If you can not verify this account with complete, accurate, and uniform documentation at ANY point, you are required by law to delete it immediately.

Federal law ( 15 USC 1681i ( a ) ( 1 ) ( A ) ) allows 30 days to reinvestigate ; however, you may not continue reporting unverifiable or inconsistent information during this time. If accurate verification can not be produced, this account must be deleted as required by federal law. 

XXXX is also furnishing contradictory and misleading information in violation of 15 USC 1681s-2 ( a ) ( 1 ) ( A ) and 15 USC 1692e . * * ---

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 2025-11-25 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation