vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: OH

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-01 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 
These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: MI

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX  ] [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$3700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
My property in XXXX XXXX California ( Address XXXX XXXX XXXX XXXX XXXX CA XXXX ) is on loan from CMG financial loans for over 4 years. 
I have been paying property taxes by myself and on time. 
I paid last property tax also in full to XXXX XXXX on time and I have a receipt of that too. 
All a sudden CMG Financial started charging me more ( over XXXX $ more than my regular amount ), They say they are paying the property taxes, while it has already been paid my me and I have receipt of that. 

I have been trying to reach CMG Financial and after waiting over and over hours, no onw is explaining me clearly. 
My mortage is locked at lower rate back in XXXX, I feel they want to get rid of me and not keeping heir promise of 30 years fixed and giving me trouble. 

Please help me here, I can not keep paying XXXX $ more for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-01 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: WA

Complaint narrative:
It does not accurately illustrate my financial discipline.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX -- XXXX XXXX XXXX XXXXXXXX - XXXX XXXX  XXXX - XXXX XXXX  XXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 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 non-monetary relief
Consumer complaint received 2025-10-01 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: DC

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 2025-10-01 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am disputing a collection account being reported by XXXX XXXX XXXX from an apartment complex in XXXX. My personal information was shared with this third-party collector without my consent or authorization. This raises serious privacy concerns and I believe it constitutes an unauthorized disclosure of my personal data. 

Under the Fair Credit Reporting Act, consumer reporting must be accurate and verifiable. Since this account stems from questionable data sharing, its accuracy and legitimacy can not be guaranteed. I am requesting that this collection be removed from my credit profile unless XXXX XXXX XXXX can provide documented proof of my consent and lawful authority for their involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, have repeatedly disputed an account reported on my credit reports : XXXX XXXX XXXX XXXX ( Account No. XXXX ), opened XX/XX/XXXX and closed XX/XX/XXXX. I have requested, in writing and via certified mail, the Method of Verification ( MOV ) and full validation documentation from both the furnisher ( XXXX XXXX XXXX XXXX XXXX ) and the credit reporting agencies ( CRAs ) for months. 

My disputes specifically requested validation and XXXXXXXX XXXX XXXXXXXX under the FCRA : the original signed agreement, a complete accounting of the debt, the exact records XXXX provided to the bureaus, and the procedure/person used to verify the tradeline. 

In multiple certified letters to each CRA, I explicitly stated this is not a disputethis is a Method of Verification ( MOV ) request under FCRA 611 ( a ) ( 7 ). Despite that, the CRAs processed my MOVs as ordinary disputes, simply forwarding them to XXXX, then closing them as verified without providing the required description of the verification procedure, the information reviewed, or who was contacted. XXXX also failed to produce the underlying documents to me or to the CRAs. 

On XX/XX/XXXX, Self responded to my prior CFPB inquiry ( Case # XXXX ) complaint by providing only a generic, unsigned Cardmember Agreement ( Pricing Schedule ) and a narrative ; which I have attached to this complaint. On XX/XX/XXXX, they sent me a direct email followed up with an internal payment ledger. Neither of these are legally sufficient. 

These documents are not the original signed contract nor are they the full set of documents necessary to substantiate the accuracy of the tradeline. 

Despite this, the CRAs continue to report the tradeline as verified, relying only on XXXX incomplete information. Payment logs are not proof, and boilerplate agreements are not proof. Continuing to furnish and publish unverifiable data violates FCRA 623 ( a ) and ( b ), 611 ( a ) ( 7 ), and 607 ( b ). I have acted in good faith, sending multiple certified letters and disputes. XXXX and the CRAs have repeatedly failed to provide the legally required documentation. Their investigation did not fix the error on my report and has caused me financial harm, credit denials, and reputational damage. 

I am requesting that CFPB require Self and the CRAs to either ( 1 ) produce the original signed agreement, accounting, and full MOV records, or ( 2 ) delete the tradeline from all three bureaus immediately and certify no reinsertion without full compliance.

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 2025-10-01 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: PA

Complaint narrative:
I, XXXX XXXX XXXX, have repeatedly disputed an account reported on my credit reports : XXXX XXXX XXXX XXXX ( Account No. XXXX ), opened XX/XX/XXXX and closed XX/XX/XXXX. I have requested, in writing and via certified mail, the Method of Verification ( MOV ) and full validation documentation from both the furnisher ( XXXX XXXX XXXX XXXX XXXX ) and the credit reporting agencies ( CRAs ) for months. 

My disputes specifically requested validation and Method of Verification under the FCRA : the original signed agreement, a complete accounting of the debt, the exact records XXXX provided to the bureaus, and the procedure/person used to verify the tradeline. 

In multiple certified letters to each CRA, I explicitly stated this is not a disputethis is a Method of Verification ( MOV ) request under FCRA 611 ( a ) ( 7 ). Despite that, the CRAs processed my MOVs as ordinary disputes, simply forwarding them to XXXX, then closing them as verified without providing the required description of the verification procedure, the information reviewed, or who was contacted. XXXX also failed to produce the underlying documents to me or to the CRAs. 

On XX/XX/XXXX, Self responded to my prior CFPB inquiry ( Case # XXXX ) complaint by providing only a generic, unsigned Cardmember Agreement ( Pricing Schedule ) and a narrative ; which I have attached to this complaint. On XX/XX/XXXX, they sent me a direct email followed up with an internal payment ledger. Neither of these are legally sufficient. 

These documents are not the original signed contract nor are they the full set of documents necessary to substantiate the accuracy of the tradeline. 

Despite this, the CRAs continue to report the tradeline as verified, relying only on XXXX incomplete information. Payment logs are not proof, and boilerplate agreements are not proof. Continuing to furnish and publish unverifiable data violates FCRA 623 ( a ) and ( b ), 611 ( a ) ( 7 ), and 607 ( b ). I have acted in good faith, sending multiple certified letters and disputes. Self and the CRAs have repeatedly failed to provide the legally required documentation. Their investigation did not fix the error on my report and has caused me financial harm, credit denials, and reputational damage.

I am requesting that CFPB require Self and the CRAs to either ( 1 ) produce the original signed agreement, accounting, and full MOV records, or ( 2 ) delete the tradeline from all three bureaus immediately and certify no reinsertion without full compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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, XXXX XXXX XXXX, have repeatedly disputed an account reported on my credit reports : XXXX XXXX XXXX XXXX  ( Account No. XXXX ), opened XX/XX/XXXX and closed XX/XX/XXXX. I have requested, in writing and via certified mail, the Method of Verification ( MOV ) and full validation documentation from both the furnisher ( XXXX XXXX XXXX XXXX XXXX XXXX and the credit reporting agencies ( CRAs ) for months. 

My disputes specifically requested validation and Method of Verification under the FCRA : the original signed agreement, a complete accounting of the debt, the exact records XXXX provided to the bureaus, and the procedure/person used to verify the tradeline. 

In multiple certified letters to each CRA, I explicitly stated this is not a disputethis is a Method of Verification ( MOV ) request under FCRA 611 ( a ) ( 7 ). Despite that, the CRAs processed my MOVs as ordinary disputes, simply forwarding them to XXXX, then closing them as verified without providing the required description of the verification procedure, the information reviewed, or who was contacted. XXXX also failed to produce the underlying documents to me or to the CRAs. 

On XX/XX/XXXX, Self responded to my prior CFPB inquiry ( Case # XXXX ) complaint by providing only a generic, unsigned Cardmember Agreement ( Pricing Schedule ) and a narrative ; which I have attached to this complaint. On XX/XX/XXXX, they sent me a direct email followed up with an internal payment ledger. Neither of these are legally sufficient. 

These documents are not the original signed contract nor are they the full set of documents necessary to substantiate the accuracy of the tradeline. 

Despite this, the CRAs continue to report the tradeline as verified, relying only on XXXX incomplete information. Payment logs are not proof, and boilerplate agreements are not proof. Continuing to furnish and publish unverifiable data violates FCRA 623 ( a ) and ( b ), 611 ( a ) ( 7 ), and 607 ( b ). I have acted in good faith, sending multiple certified letters and disputes. XXXX and the CRAs have repeatedly failed to provide the legally required documentation. Their investigation did not fix the error on my report and has caused me financial harm, credit denials, and reputational damage. 

I am requesting that CFPB require Self and the CRAs to either ( 1 ) produce the original signed agreement, accounting, and full MOV records, or ( 2 ) delete the tradeline from all three bureaus immediately and certify no reinsertion without full compliance.

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