vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because Equifax has failed to remove a fraudulent XXXX account from my credit report, despite multiple disputes and written confirmation from XXXX that the account is not mine. 

Over a year ago, I identified the XXXX account as fraudulent and promptly filed a dispute with Equifax. XXXX conducted an investigation and confirmed in writing that the account was opened without my authorization and should be removed. They also assured me that they had notified Equifax to delete the account. 

Despite this, Equifax continues to report this account, which is damaging my credit profile and causing me emotional distress and financial harm. I have submitted XXXX  fraud confirmation directly to Equifax multiple times, and I have followed all proper dispute procedures, yet Equifax continues to ignore the evidence and uphold inaccurate reporting. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct reasonable investigations and delete information that is found to be inaccurate or unverifiable. Equifaxs failure to act on verified documentation and remove fraudulent data from my report is negligent, unacceptable, and unlawful. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter immediately, compel Equifax  to permanently delete the fraudulent XXXX account, and ensure they cease all future reporting of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: WA

Complaint narrative:
I am the victim of identity theft. On XX/XX/year>, I submitted legal demands to Experian and Equifax via certified mail, requesting immediate deletion of multiple fraudulent accounts, inaccurate addresses, and unauthorized employment data. Despite invoking my rights under FCRA 605B and RCW 19.255, both companies have either failed to correct or ignored my dispute entirely.

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 2025-07-25 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This bankruptcy does not belong to me. I have never filed for bankruptcy, and this appears to be a case of identity theft or a reporting error.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This bankruptcy does not belong to me. I have never filed for bankruptcy, and this appears to be a case of identity theft or a reporting error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1.To dispute certain information in my credit file ; and 2.To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1.To dispute certain information in my credit file ; and 2.To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have submitted multiple FTC Identity Theft Affidavit attached reporting 2 separate accounts appearing on my consumer Innovis credit report which I do not recognize as reported and which are the result of identity theft and fraud. This formal complaint challenges the reinvestigation with the help of the CFPB of the disputed item ( s ) XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX on my XXXX  credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), including Sections 623, 611, and 605B ( 15 USC 1681c-2 ). Therefore, XXXX  claim of verification through the creditors either was demonstrably false and constitutes either a serious error or a willful misrepresentation. Under the FCRA and related statutes, I am asserting my rights as follows : -15 USC 1681i ( 611 ) Reinvestigation of disputed information -15 USC 1681c-2 ( 605B ) Blocking of information resulting from identity theft -15 USC 1681b ( 2 ) Permissible purposes for accessing consumer reports- 15 USC 1681q Unauthorized disclosures of consumer information -15 USC 1681a ( 4 ) Definition of consumer report - 18 USC 1028A as it was not obtained or verified for a permissible purpose. Innovis continues reporting of this inaccurate information violates the FCRA and subjects Innovis to potential statutory damages of up to {$1000.00} per violation, including defamation and negligent enablement of fraud. Finally, I was included in the recent XXXX  Class Action Lawsuit, which further highlights the pattern of improper reporting and failure to comply with federal consumer protection laws. I am demanding : - Immediate reinvestigation of the disputed bankruptcy record - Permanent removal of the record from my credit report - Written confirmation of the actions taken Please consider this letter as formal notice that I am maintaining detailed records of all correspondence and actions related to this matter. Failure to comply with the FCRA and remove this fraudulent information promptly will result in further pursuit of my legal rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

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 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
am submitting this complaint because XXXX XXXX XXXX has failed to respond to three official written notices I mailed regarding an alleged debt. 

The letters were sent to : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX, GA XXXX Here is a summary of the letters I sent : First letter ( XXXX ) : I asked that all future correspondence be sent exclusively to my correct address at : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX Second letter ( early XXXX ) : I made a good-faith settlement offer of {$600.00} to resolve the matter. 
Third and final letter ( dated XX/XX/XXXX ) : I stated that if I receive no response within 10 business days, I would consider the matter closed and request that all further communication cease under the FDCPA. I also warned that continued mail to the wrong address would be treated as a violation of my rights.

As of today, I have not received a response to any of these letters, nor has the company acknowledged or corrected the mailing address. I have proof of mailing with USPS tracking and return receipts.

I am concerned this may be a violation of the Fair Debt Collection Practices Act ( FDCPA ), especially regarding lack of communication, failure to validate the debt, and sending mail to the wrong address despite repeated correction requests.

I request that CFPB investigate this matter and ensure that XXXX XXXX XXXX  either responds properly or ceases communication per my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1.To dispute certain information in my credit file ; and 2.To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXXXXXX 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 2025-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We purchased our home in XXXX still living in the home which is almost paid for, we had a financial set back due to an injury that I had to have XXXX for and loss of income from my husbands business. I reached out to PPH in XX/XX/XXXX to see if they can give us a fresh start with putting the 3 months that we owed to the back of the note {$4400.00} as they claim " Helping Homeowners is what we do ''. Gave the information was told they would look at all available resources and send documents. 
They had my property evaluated which added more fees to my account, received a letter today that we were not approved for mortgage assistance and in order to keep my home we would have to pay the back payments in full. In question the agent who barely spoke English stated that we have paid to much of the loan and the best option to keep from foreclosure is to make the payments. Basically because my property values 3x what I owe of $ XXXX and I have a 1 % interest rate they rather have the house then help their home owners stay in their homes with their family. This is a disgrace do not advertise you help home owners when the reality of it is you rather have the property so you make a whole lot of money off of people that's just trying to stay in their homes and make ends meet in todays economy.

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 2025-07-25 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: NY

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: ID

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
These accounts are not mine and appear to be fraudulent in nature. I urge you to investigate and take action by deleting them from my credit report. Attached are necessary documents.

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 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Had XXXX XXXX XXXX XXXX FOR 20+ years, canceled before policy renewed in XX/XX/XXXX giving the proper notice of 45 days. Called in to XXXX XXXX  in Illinois, they told me to call the local office also. I did and also left a message. Then sent in an email to the agent to make sure it was done properly as I have a XXXX balance and am cancelling as I am going to XXXX XXXX. 
I get a letter 4 weeks later and calls reminding me that my renewal was due. I told the agent I CALLED you and emailed you. I spoke to the agent XXXX. He said he must have missed the email and will take care of it. A few days later I get another call from XXXX XXXX reminding me again about the renewal and payment. I said I canceled timely and emailed and spoke to XXXX .I then forwarded the email that i sent to them on XX/XX/year> attaching the XXXX XXXX pages so it shows I had no lapse in coverage. 
XXXX XXXX then emails me back saying he received and will take care of it and thanked me. 

If I owed any money XXXX NEVER mentioned it, they saw a XXXX balance as I did and I canceled timely. 
XX/XX/year> I get a notice from CCS collecting on XXXX bill for canceling without notice. and also dumping this on my credit report!! 
I have called CCS, They said its from XXXX and i owe it... very harsh. I gave them same info and timeline and they are unwilling to delete from my report and keep harrasing me with a statement and updating my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation