vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am submitting this complaint against Freedom Mortgage for inaccurate credit reporting related to the final payoff of my mortgage loan, as well as for their failure to properly investigate the matter despite multiple escalation attempts. 

I paid my mortgage in full during an escrow closing. Prior to the payoff, a representative of Freedom Mortgage advised me that although the final payoff posting might be delayed, no late payment would be reported because the account reflected that the property was in escrow and scheduled to close. I relied on this information and proceeded with the payoff as instructed. 

Despite this assurance, Freedom Mortgage reported a 30-day late payment to the credit reporting agencies. This reporting is inaccurate and misleading. The delay was solely related to the escrow closing and payoff processing timeline and was not the result of any failure or refusal on my part to make a payment. I acted in good faith and followed the lenders guidance. 

After discovering the inaccurate reporting, I contacted Freedom Mortgage multiple times and spoke with several representatives, including members of their Escalations Department. Despite explaining the circumstances and requesting a review, Freedom Mortgage has refused to update or correct the credit reporting. More concerning, they have declined to meaningfully investigate the matter or review the payoff and escrow documentation, instead maintaining the inaccurate reporting without justification. 

By reporting this account as late and refusing to conduct a proper investigation, Freedom Mortgage has failed to ensure the accuracy of information furnished to the credit bureaus, as required under the Fair Credit Reporting Act. This incorrect reporting has negatively impacted my credit profile and does not accurately reflect the true status of my account at payoff. 

I am requesting that the Consumer Financial Protection Bureau require Freedom Mortgage to conduct a proper investigation and correct this inaccurate reporting by removing the 30-day late payment from all credit reporting agencies, ensuring my credit file accurately reflects a properly paid and closed account. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-12-22 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: AZ

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 explanation
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-12-22 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:
I am writing to dispute the accuracy of the information reported on my credit report with regard to the following accounts. These accounts are showing inaccurately as charged off, and I request that they be reviewed and corrected as soon as possible. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$56000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: VA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( XXXX ), AS WELL AS THE XXXXXXXX XXXX  XXXX ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-12-22 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: GA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX Account Number XXXX XXXXXXXX Date Opened XXXX XXXXXX/XX/year> Balance : {$2200.00} Inquiries [ No inquiries listed for Equifax ] Late Payments XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and XXXX  that you couldn't put on the FTc report ). Please see the attached file.

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 2025-12-22 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: NY

Complaint narrative:
I disputed inaccurate and unverifiable information reported by TransUnion concerning an account furnished by XXXX XXXX. My dispute was specific and centered on XXXX issue : the absence of any signed authorization or consumer-executed agreement supporting the reporting. 

TransUnion closed the dispute as verified without producing or referencing any documentary proof that I authorized the account activity being reported. No signed document, agreement, or authorization was provided to me at any stage. 

An investigation that relies solely on furnisher confirmation, without independent verification of the underlying documentation, does not meet XXXX obligations under the Fair Credit Reporting Act. Verification requires evidence, not repetition. 

Because the reporting can not be substantiated with proof of authorization, the tradeline remains inaccurate and unverifiable. XXXX investigation failed to correct this error and instead perpetuated it.

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 2025-12-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
As I was preparing to meet for my closing this past XXXX, I was sent an email telling me my application was denied and there was nothing that could be done about it. Basically a you got scammed, too bad, deal with it email. During my initial recorded call with XXXX XXXX from XXXX, you can clearly hear him telling me I would not need to make mortgage payments while the mortgage was being renegotiated. Following his instructions, according to the loan team, resulted in my denial. 

I have spent XXXX hours of my life, before work, every lunch break, after work, gathering documents, tracking down debts from my deceased father, submitting payoff statements, etc. I have been robbed of time, energy, and furthermore, now my life is in complete shambles, because after sending payoff statements for my vehicle and credit accounts, I have seized making payments to avoid making duplicated unnecessary payments for accounts I was informed would be paid off in full. 

Now, my credit is destroyed, I face foreclosure, and my vehicle is going to be repossessed. My only vehicle, and my only mode of transportation to my job. This process has effectively ruined my entire life. 

There was ample time to establish the fact that I would be denied for the reason that was outlined to me, if this truly is the case. However, as previously stated, the reason I was denied is in complete contradiction to what I was originally told. I would have never missed a payment had that information been accurately communicated to me. Waiting until moments before meeting up for the closing to send me an email stating my application has been denied is unethical and an absolute disgrace. All during a XXXX week, nonetheless. I am truly shocked. Please correct this egregious mistake. 


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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NE

Complaint narrative:
I am filing a complaint against Columbia Debt Recovery ( dba Genesis ) for a direct violation of 12 C.F.R. 1006 ( a ) also known as " debt parking '' rule under regulation F. 

According to my records, the company furnished information to my credit report on XX/XX/year>. However, the company did not send the initial notice out in the mail until XX/XX/year>. ( see evidence ) Under federal law, a debt collector is strictly prohibited from reporting a debt to credit bureaus until they have first communicated with the consumer and waited a XXXX reasonable period. By reporting the debt, a full day before even sending Initial notice, Columbia Debt Recovery bypassed my legal right to dispute the debt before impacting and damaging my credit score. 

Furthermore, any physical mail was sent to the very apartment I was no longer a resident at ; the very apartment when I allegedly acquired the debt from, making this notice ineffective and a bad-faith attempt at communication. This illegal reporting has directly prevented me from securing housing and transportation. I request an immediate and permanent deletion of this trade line.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Up until XX/XX/XXXX of this year, I was leasing a XXXX for my wife via Ally Financial. On XX/XX/XXXX, we traded the XXXX in for a XXXX XXXX at XXXX XXXX of XXXX, Florida. 

On XX/XX/XXXX, Ally conducted an auto pay from our account taking {$620.00} because the cancellation hadn't made its way through the system. 

Ally mailed us a check for the {$620.00} a few days later but when we went to the bank to cash the check, the check bounced. 

When I contacted Ally to ask why the check didn't clear, I was told someone at Ally cancelled the check ( without telling me or my wife ) because they thought the check should go to XXXX XXXX. This was incorrect on behalf of Ally Financial because the {$620.00} came from MY account, not XXXX XXXX. 

I've used the " contact us '' section of the Ally website and received no correspondence back. I've also emailed the XXXX XXXX with no response. 

I've called numerous times and spoken with the call center to whom I assume Ally outsources customer relations and I've been told each time that I have to contact XXXX XXXX to find my check and then the Ally call center hung up on me each phone call. 

I've bothered the XXXX XXXX XXXX people numerous times and they assure me they have received a check on my behalf for the {$620.00} drawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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