vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: MS

Complaint narrative:
I am submitting this complaint because Experian is reporting inaccurate and incomplete information on my credit file. I have attempted to resolve these issues directly with the bureau and the furnishers, but the information remains uncorrected. I am requesting the CFPBs assistance to ensure my rights under the Fair Credit Reporting Act ( FCRA ) are honored, including accurate reporting and proper reinvestigation. 

1. Charged-Off Accounts Reporting Incorrectly The following accounts are being reported inaccurately. These accounts show a {$0.00} balance, yet they are still listed as charged-off without proper validation or updated reporting from the furnishers. I am requesting that Experian confirm the accuracy of these entries or remove/modify them in accordance with FCRA requirements. 

XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX. Hard Inquiry Reporting in Error The following inquiry appears without my authorization or permissible purpose : XXXX XXXX XX/XX/XXXX I am requesting verification of permissible purpose and removal if none is provided. 

XXXX. Incorrect Late Payment Reporting The following account is showing late payments that I dispute as inaccurate. Please request verification from the furnisher and correct or delete as required : XXXX XXXX Acct : XXXX I am requesting a lawful reinvestigation and correction of all inaccurate entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CMG Financial Services, Inc.
State: ME

Complaint narrative:
Servicer Refusal to Recognize Court-Appointed Special Administrator and Authorized Third Parties Blocking Processing of a Court-Approved Short Sale I am submitting this formal complaint regarding a creditor/servicer who is refusing to recognize a legally-appointed Special Administrator, Attorney XXXX XXXX, and the third-party representatives he has lawfully authorized to act on behalf of the estate in a pending real estate transaction.

Under Maine Probate Law ( Title 18-C ), a Special Administrator has full authority to act on behalf of an estate, including authorizing real estate brokers, attorneys, and title agents to obtain payoff information, negotiate, and complete a short sale approved for the benefit of the estate and its heirs. 
The creditor/servicer has been provided with : Court appointment order naming Attorney XXXX XXXX as Special Administrator Documentation outlining his authority under Maine probate law Signed third-party authorization executed by XXXX XXXX  authorizing : XXXX XXXX, Designated Broker , Your Real Estate Company XXXX XXXX XXXX XXXX XXXX , Your Real Estate Company Despite XXXX legally valid documents, the servicer refuses to acknowledge the Special Administrators authority and is refusing to process the short sale, including refusal to provide required communication, payoff information, lien confirmation, or documents necessary to complete the transaction. 
This refusal : Has no legal basis under Maine probate law Directly obstructs the processing of a court-approved short sale Results in avoidable financial harm to the estate and heirs Violates federal expectations for loss-mitigation cooperation and transparency Creates risk of increased debt, foreclosure, and loss to all parties involved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I was not notified of this collections debt prior to seeing it report to my credit. When I became aware of the debt, I paid it with the understanding that the account would be removed from reporting. I was led to believe this account was to be fully deleted from reporting to my credit XXXX  settled. Please delete the account from reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-26 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: AR

Complaint narrative:
I am writing to dispute the following items on my credit report, as I believe they are inaccurate or incomplete. Below are the accounts in dispute, separated by bureau. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I dispute the following accounts as they are either incorrect or outdated. I request that they be reviewed and corrected immediately. If they can not be verified, I expect them to be removed from my credit report. 

Charged Off Accounts 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 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-26 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MA

Complaint narrative:
am writing to dispute several accounts that appear on my credit report which I did not open and did not authorize. I am the victim of identity theft, and I have taken the necessary steps to report this incident to law enforcement. 

On XX/XX/XXXX, I filed an official Identity Theft Report with the XXXX XXXX XXXX XXXXXXXX XXXX. The report number is XXXX XXXXXXXX. A copy of the police report is attached for your review. 

Fraudulent Accounts I Am Disputing : XXXX XXXX XXXX XXXX A past-due rent account for {$12000.00}. 
I have never lived at the property connected to this account, nor have I ever owed this debt. 
XXXXXXXX XXXX XXXXXXXX A telephone bill for {$570.00} dated XX/XX/XXXX. 
I have never had an account with this company or authorized any service. 
XXXXXXXX XXXX XXXXXXXX Credit Card A credit card account showing a balance of {$2500.00}. 
I did not open this credit card, have never had a XXXX XXXX  XXXX credit card, and did not authorize anyone to open XXXX in my name. 

These accounts were created fraudulently by an unknown individual who used my personal information without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: OK

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: AL

Complaint narrative:
The original merchant informed me that my account would be placed in dispute status and that I would be contacted to set up payment arrangements. I was never contacted again, and I did not receive any verification, follow-up, or opportunity to resolve the matter. 
Despite the merchant agreeing to place the account in dispute, the account was later reported to the credit bureaus as a collection without proper notice or validation. This has negatively affected my credit. I am requesting that the company review this matter, provide full verification of the debt, explain why the account was reported to collections while in dispute, and correct or remove the inaccurate reporting from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report as outlined below. The accounts listed below are under dispute with the respective credit bureaus, and I request that they be reviewed and corrected according to the Fair Credit Reporting Act ( FCRA ). Please see the details separated for each credit bureau. 

CHARGED OFF Account Name : XX/XX/XXXXBANK Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES Account Name : XXXXXX/XX/XXXX Date : XX/XX/XXXX Account Name : XX/XX/XXXX Date : XX/XX/XXXX Account Name : XX/XX/XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XX/XX/XXXX Date : XX/XX/XXXX Account Name : XX/XX/XXXXDate : XX/XX/XXXX Account Name : XXXX XXXXXX/XX/XXXX Date : XX/XX/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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: GA

Complaint narrative:
Following up : COMPLAINT ID XXXX Please add the following to my complaint as a response to the banks letter : XXXX XXXX response does not address the core issues raised in my complaint and is factually incomplete. 

The bank states that my bonus category selection was not effective until XX/XX/year>. This explanation is both incorrect and misleading based on the evidence I provided : XXXX. The XXXXXXXX XXXX mobile app displayed that I was enrolled before I made the qualifying transaction. 
There was no message, warning, or disclosure on the app indicating that activation would be delayed or subject to additional processing time. 

2. I received an enrollment confirmation email prior to the transaction.

The email did not clearly state that the enrollment would not be effective immediately.

Any text referencing delay was buried in small, non-prominent body text, which contradicts the clear enrolled status shown in the app.

3. The bank is using an internal processing date that is never disclosed to consumers.

Customers can not see or verify this internal date, and it is not referenced during the enrollment process.

Consumers rely on what the app visibly shows and the app indicated that I was successfully enrolled.

4. The banks explanation is inconsistent with its own user interface and customer experience.

A promotion should not display as active or enrolled if the bank internally considers it inactive.

5. U.S. Bank did not acknowledge or respond to the evidence I submitted, including screenshots and the timestamp of the enrollment confirmation showing that I acted in good faith based on the information provided by the bank.

The combination of unclear disclosures, non-visible internal processing dates, and contradictory app information creates confusion and results in financial harm to consumers. The bank represented that the offer was active while internally denying the reward.

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 monetary relief
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation