vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: OR

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
I am filing a formal complaint against Credit Acceptance Corporation for inaccurate credit reporting under Fair Credit Reporting Act ( FCRA ). I have paid over {$5000.00} toward a {$13.00}, XXXX auto loan and requested a payment ledger multiple times to confirm how my payments were applied. Credit Acceptance refused to provide the ledger and is reporting inflated and inconsistent balances to XXXX  and XXXX  ( {$12000.00} & {$12.00}, XXXX ), while my transaction records show a balance of a only {$11000.00}. 

I have disputed this multiple times, but the credit bureaus continue to verify inaccurate information without proper investigation or disclosure of the method of verification. This has caused a drop of over XXXX points in my credit score. These actions violate FCRA 1681s-2 ( b ) and Consumer Financial Protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MD

Complaint narrative:
I am writing to file an official complaint against Experian, XXXX and Equifax regarding multiple unauthorized hard inquiries on my credit report. These inquiries were made without my knowledge or consent, and I have already contacted Experian, XXXX  and Equifax to demand their immediate removal as required under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ) .The following hard inquiries appear on my report without my authorization or permissible purpose : - XXXXXXXX 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 XXXXUnder the FCRA XXXX a consumer reporting agency must verify the legitimacy of any inquiry made into a consumers credit file. Despite this legal requirement, Experian has failed to produce any documentation bearing my signature or proof of authorization for these inquiries.These unauthorized entries have adversely affected my credit score and present serious concerns about the protection of my personal information. I am requesting that the CFPB investigate Experian 's compliance with federal law and take appropriate enforcement action if Experian is found to be in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
someone fraudulently open a account with sofi i am not sure if it was in my name XXXX  they said they found a XXXX XXXX which is my married name. my school disbursement was illegally deposited into the sofi account in the amount of XXXX $ My school XXXX XXXX  said it was deposited in there.i asked for a refund but they said no. then the account was closed. i filed a complaint with ftc and idnitytheft.gov and made a police report. i don't know any account number or balance or transactions.they would not give it to me and they said licenses is not required or a selfie to open a account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
CFPB Complaint XXXX Account Reported Despite Pay-for-Delete Agreement To whom it may concern, I am filing this complaint to report inaccurate and deceptive reporting practices by XXXX and the credit bureaus ( Equifax, Experian, and TransUnion XXXX regarding a closed account ending in XXXXXXXX XXXX XXXX XXXX XXXX, which was fully paid under a pay-for-delete settlement agreement. 

What Happened : This account was : Paid in full through a settlement agreement Closed as of XX/XX/XXXX Has a balance of {$0.00} on all three bureaus Despite that, the credit bureaus report : Equifax : Status " Open '' with 120 days late Experian & TransUnion : Status " Closed '' but marked as Collection/Charge-off All three bureaus still reflect the account as negative and derogatory Payment history in Experian shows a Charge-Off ( CO ) as recent as XX/XX/XXXX The comments also show : Settlement accepted, Account legally paid, meets FCRA requirements yet the account is still damaging my profile. 

Violations of the FCRA and Consumer Rights : Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), this reporting violates : 1681e ( b ) : Credit reporting agencies must ensure maximum possible accuracy.

1681s-2 ( a ) : Furnishers ( like XXXX  ) must not report information they know is inaccurate.

1681s-2 ( b ) : After receiving notice of a dispute, furnishers must conduct a reasonable investigation and correct or delete inaccurate data. 

1681i ( a ) : The credit bureaus must correct or remove unverifiable or inaccurate information within 30 days of a dispute. 

Additionally, XXXX breached the agreed-upon pay-for-delete settlement. This constitutes a failure to act in good faith, especially since I fulfilled my obligation by paying as negotiated.

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 2025-07-23 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: CO

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: DC

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-07-23 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: CO

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD BANK consistently lies about being an international bank. They pretend that they are if you live in XXXX XXXX, which is a continent td banknot a country. So if you reside in the US, they will be a fake international bank, and you wont get charged foreign transaction fees, even though td bank is XXXX, and I am quite factually not in XXXX. Then you will go to use your credit card to book a hotel for an upcoming trip and youll be charged out the XXXX for a foreign fee. A foreign fee? Meanwhile my entire purchasing history is foreign. So are you telling me as well that if I go to XXXX, I will then be charged a foreign fee? What kind of highway robbery is this? From the bank who has known ties to XXXX organizations and has pleaded guilty to money laundering in the past?!? horrible customer service. horrible cards and bank options. I can not believe they treat their customers this way. Shameful practices full of deceit and lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MOHELA
State: SC

Complaint narrative:
This is in response to case number XXXX. MOHELA sent me a packet to complete end of XX/XX/. The packet was completed and sent certified return receipt requested ( a copy of both the packet and receipt are attached ). It has currently been over a month and I have not received any update regarding the investigation but I did receive an email dated XX/XX/XXXX   from MOHELA stating that payment was due in full ( a copy of said email is attached ). There is supposedly an electronic notification in " my '' MOHELA account that will provide more information. I do not have any account or have set up any type of electronic account that I can sign into to receive this information. Every time I attempt to call, I get put on hold. I am requesting an update as to where we are at with the fraud investigation especially now that MOHELA is requesting full payment.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AAA Collections
State: SD

Complaint narrative:
In XX/XX/year>, {$320.00} was garnished from my paycheck due to a court-ordered garnishment initiated by AAA Collections . My employer, XXXX XXXX, processes payroll through XXXX, and XXXX sent the funds to XXXX XXXX XXXX XXXX in Washington. 

However, the funds were never forwarded to AAA Collections due to AAA failure to file for release of funds. Despite this, AAA has continued to apply interest and late fees to my balance as if I failed to pay. 

The money was removed from my paycheck and has still not been returned or properly applied. I am being financially penalized for a situation that is entirely outside of my control. Ive requested that AAA pause interest and collection activity until the matter is resolved between them and my employer. 

I am requesting that all interest and fees related to this delay be reversed and my account placed on hold. 

In XXXXXXXX XXXX XXXX my balance was down to {$110.00}, and deductions were stopped till summer passed. I wasnt notified untill XXXXXXXX XXXX XXXX i still had a balance, at which time they claimed my balance increased from {$110.00} to {$320.00}. I couldnt make sense as to why it was parked for so long without informing me i still owed for so long. Then after they took the {$320.00}, they didnt file to release the funds, which i still havent gotten back because they were sent to XXXX XXXX XXXX the third largest rerailer in the world. Now theyre saying i owe just over {$400.00}.

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 explanation
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: PA

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 non-monetary relief
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is in response to case number XXXX. XXXX sent me a packet to complete end of XX/XX/year>. The packet was completed and sent certified return receipt requested ( a copy of both the packet and receipt are attached ). It has currently been over a month and I have not received any update regarding the investigation but I did receive an email dated XX/XX/year>XXXX  from XXXX stating that payment was due in full ( a copy of said email is attached ). There is supposedly an electronic notification in " my '' XXXX account that will provide more information. I do not have any account or have set up any type of electronic account that I can sign into to receive this information. Every time I attempt to call, I get put on hold. I am requesting an update as to where we are at with the fraud investigation especially now that XXXX is requesting full payment.

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 2025-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Paid an escrow shortage of {$410.00} on XX/XX/XXXX. Freedom Mortgage paid the wrong taxing authority on XX/XX/XXXX in the amount of {$1600.00}. Received a tax lean notice and called Freedom Mortgage. Spoke to Freedom Mortgage who said they they will pay the correct taxing authority. Received a call and was told that everything was resolved. I received a escrow shortage in XXXX of XXXX again for {$2000.00}. Found that Freedom Mortgage never refunded the amount paid to the wrong taxing authority. Called on XX/XX/XXXX and spoke with someone who said it would be resolved and that I would receive a call confirming within 10 days. Never receive any calls and call back on XX/XX/XXXX. Spoke with the representative who says they just closed the case and didn't do anything. He sends it to escalation department who he says will call me in 24-48 hours. I never receive any call and call again XX/XX/XXXX. This time they connect me with a supervisor from the tax department who said she would stay on top of it and make sure they redo the escrow analysis so I wouldn't have the undue hardship of them trying to increase my Mortgage payment by {$200.00} because of Freedom Mortgages mistake. Supervisor calls me the following Monday XX/XX/XXXX to day they will work on it. I dont hear anything from them again. I call again XX/XX/XXXX and they said they refunded the escrow, but didn't bother to do a escrow reanalysis to fix my payment. Spoke to the tax department who said they would apply the money to my escrow and that it would adjust my payment for XX/XX/XXXX. She stated it would be adjusted within 24 hours. Checked today and my payment is still {$200.00} more and I dont have extra money to pay due to their mistake that dont care to fix.

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 2025-07-23 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: EQUIFAX, INC.
State: FL

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 Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX 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 : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief