vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Carrington Mortgage is incorrectly reporting late payment of my mortgage account for the months of XXXX & XX/XX/XXXX. This is affecting my credit score and is preventing me from obtaining financing. 

I applied for mortgage assistance in late XX/XX/XXXX. In XX/XX/XXXX I contacted Carrington attempting to make a payment. The CMS representatives I spoke with stated they were unable to take payment since I was under mortgage assistance review. The website and app itself barred me from making payment ( see photo ). On XX/XX/XXXX payment was made and second payment on XX/XX/XXXX was also tendered ( photo attached ). Subsequently in XX/XX/XXXX my account was paid off. 

Ive requested Carrington Mortgage Services remove the negative or late payment reporting and return my account to good standing with the credit bureau 's. This has been an ongoing issue with this mortgage servicer, the information or instructions they provide are incorrect or misrepresented by them. Ive contacted them in good faith to attempt to resolve this but continue being transferred to different representatives with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
I did not authorize my credit to be pulled this many times. I only authorized XXXX credit inquiry for the purpose of obtaining auto financing. Instead, my credit report now shows more than XXXX separate hard inquiries from different lenders and dealers, which I never individually consented to. 
This is inaccurate and misleading reporting. Under the Fair Credit Reporting Act ( FCRA 1681i and 1681s-2 ), furnishers and credit reporting agencies are required to ensure maximum possible accuracy and to reasonably investigate disputed information. Additionally, Metro 2 reporting guidelines require that inquiries be reported correctly and not in a way that unfairly damages a consumers credit profile. 
Auto loan inquiries within a 1445 day period are supposed to be treated as a single inquiry for scoring purposes. Reporting each one separately is improper and has caused significant harm to my credit score. 

Inquires being disputed ( Auto Loan Shopping ) : 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit standing and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and these inquiries remain. This failure to act is unacceptable. The continued presence of these fraudulent entries is alarming and strongly indicates possible identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-02 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: IL

Complaint narrative:
This letter serves as a formal dispute of the charge-off account being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, 1681i, and 1681e ( b ), all information furnished to consumer reporting agencies must be accurate, complete, and verifiable.

The charge-off account in question is inaccurate, misleading, and unverifiable as currently reported. To comply with the FCRA, you are required to conduct a reasonable investigation and provide documented evidence that substantiates the accuracy and legitimacy of this account. If you can not provide such verification, you must delete this account from my credit report immediately. 

Failure to properly investigate and correct or remove unverifiable information constitutes a violation of federal law and my consumer rights. I demand this matter be resolved promptly in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-02 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: WA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT 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 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 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: AZ

Complaint narrative:
In XX/XX/year>, I requested my report from LexisNexis XXXX XXXX. I received the report ; there are several items that are not correct and the report is not all the information that they have collected and sell to others. I wrote LexisNexis and copied the identification that they request. I paid {$11.00} on XX/XX/year> to send my documents to LexisNexis via USPS Priority mail. THE PACKAGE WAS RETURNED " XXXX XXXXXXXX CLOSED ''. I called LexisNexis who insured me that the XXXX XXXX was working. IT IS NOT. I spoke with XXXXXXXX GA USPS they stated this XXXX XXXX XXXX IS CLOSED. 

Maybe LexisNexis should pay their own bills. I believe they should reimburse me the {$11.00}. Also they should not be able to report any information that they have requested since the public can not dispute the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

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 2025-10-02 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: MS

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Complaint Regarding Inaccurate and Misleading Credit Reporting Practices Dear CFPB Representative, I am submitting this complaint regarding multiple furnishers and collection agencies that are reporting inaccurate, misleading, and non-compliant information on my TransUnion credit report. 
Summary of Issues : XXXX ( Auto Loan ) : Improperly reports repossession with ongoing delinquency notations, suggesting unlawful re-aging ( FCRA 605 ( a ) ( 4 ) ). 
XXXX XXXX : Continues to update charge-off status monthly years after closure, violating Metro 2 standards for frozen charge-off balances. 
XXXX XXXX XXXX : Improperly reports Past Due amounts on a collection and fails to maintain accurate dispute markings ( FCRA 623 ( a ) ( 3 ) ). 
XXXX XXXX XXXX : Reports collection balances as Past Due, a Metro 2 violation. XXXX has prior enforcement history with CFPB. 
XXXX XXXX XXXX : Reports collection balances with Past Due status, misrepresenting debt obligations. XXXX has been sanctioned by the CFPB before for misleading reporting and debt collection practices. 
Legal References : FCRA 605 ( a ), 623 ( a ) : Accuracy and re-aging provisions.

FDCPA 807 : Prohibits misrepresentation of debt. 
Metro 2 Reporting Standards : Require accurate status coding and prohibit Past Due in collections.

I respectfully request that the CFPB investigate these furnishers for systemic non-compliance and require correction or removal of inaccurate tradelines from my credit report. 
Thank you for your attention to this matter and for safeguarding consumer rights in the credit reporting system. 
Sincerely, 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 2025-10-02 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: MS

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Complaint Regarding Inaccurate and Misleading Credit Reporting Practices Dear CFPB Representative, I am submitting this complaint regarding multiple furnishers and collection agencies that are reporting inaccurate, misleading, and non-compliant information on my TransUnion credit report. 
Summary of Issues : XXXX ( Auto Loan ) : Improperly reports repossession with ongoing delinquency notations, suggesting unlawful re-aging ( FCRA 605 ( a ) ( 4 ) ). 
XXXX XXXX : Continues to update charge-off status monthly years after closure, violating Metro 2 standards for frozen charge-off balances. 
XXXX XXXX XXXX : Improperly reports Past Due amounts on a collection and fails to maintain accurate dispute markings ( FCRA 623 ( a ) ( 3 ) ). 
XXXX XXXX XXXX : Reports collection balances as Past Due, a Metro 2 violation. XXXX has prior enforcement history with CFPB. 
XXXX XXXX XXXX : Reports collection balances with Past Due status, misrepresenting debt obligations. XXXX has been sanctioned by the CFPB before for misleading reporting and debt collection practices. 
Legal References : FCRA 605 ( a ), 623 ( a ) : Accuracy and re-aging provisions.

FDCPA 807 : Prohibits misrepresentation of debt. 
Metro 2 Reporting Standards : Require accurate status coding and prohibit Past Due in collections.

I respectfully request that the CFPB investigate these furnishers for systemic non-compliance and require correction or removal of inaccurate tradelines from my credit report. 
Thank you for your attention to this matter and for safeguarding consumer rights in the credit reporting system. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citibank business account and deposited a cashiers check from an investor. Although I was informed it might take time to clear, the funds appeared as available the next business day. No notice was provided that these funds could later be restricted or reversed. These funds were designated for urgent business operating expenses and payments. 

The following week, Citibank flagged my account for fraudulent activity after I used my personal debit card for legitimate expenses. I did not receive any phone calls, and although the bank claims to have sent an email, I never received or saw it. Because I did not respond within an unspecified timeframe, Citibank blocked my accounts, which then escalated to full termination of both my business and personal accounts. 

It took multiple transfers between departments to reach a live representative, and even then, no one could give me a clear answer on how or when I could access my funds. As of now, Citibank has retained my business and personal funds without resolution. 

I have also seen multiple consumer reports online indicating that Citibank has held customer funds for XXXX  days or longer without release. I am concerned that Citibank will continue to hold my funds XXXX for an extended period of time, causing further financial harm. 

I believe Citibanks conduct may constitute unfair or deceptive acts or practices ( UDAP ) under the Consumer Financial Protection Act, given : Failure to clearly disclose the conditions under which deposited funds could be restricted. 

Retaining customer funds indefinitely without clear justification or communication. 

Blocking and terminating accounts without providing timely or effective notice. 

This action has directly harmed my business operations and my ability to meet personal financial obligations.

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