vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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 formally disputing the accuracy, completeness, and reporting compliance of the following accounts under FCRA Sections 1681s-2 ( b ) and 605 ( a ) and requesting immediate removal per Metro 2 compliance : XXXX XXXX Acct Ending XXXX Reporting : Late 60 days, Charge-Off, Balance {$750.00} Violation : Account shows inconsistent late payment cycles not aligned with Metro 2 guidelines for time-based reporting sequences. 
Demand : Permanent deletion due to reporting of obsolete and unverifiable debt. 

XXXXXXXX XXXX XXXX  Acct XXXX XXXX Reporting : Charge-O

ff, 90150+ day late payments Violation : No validation of debt. The account is marked charged off while still showing ongoing balances, which violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Demand : Permanent deletion for misrepresentation of closed status and balance. 

XXXX Acct Ending XXXX Reporting : 60, 90, 120+ day late Violation : Payment status shows Open but 4 months of non-payment are reported while still accruing interest. 
Demand : Delete for failure to follow Metro 2 formatting and FCRA 623 ( a ) ( 1 ) ( B ) obligation of accuracy. 

INACCURATE PAYMENT HISTORIES & CONFLICTS : These items are materially misleading and damaging and must be permanently deleted to comply with FCRA 602 ( a ) and 607 ( b ). 

This is my final notice for these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I made my XXXX payment before the 30 day late period. It was never debuted out of account. I did not get notified by Freedom Mortgage until I logged onto the portal and noticed no mortgage payment had need drafted out. I then made the payment again to avoid being late. They still reported it late. I still have not gotten notified ed. no response to the letter or anything. I fear this will ruin my credit that I worked so hard to build.

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 2025-07-31 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: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-31 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: NY

Complaint narrative:
On XX/XX/2025, I discovered a fraudulent XXXX XXXX XXXX credit card account on my TransUnion credit report, which I did not open or authorize, indicating identity theft or error. The account, reported as 120 days past due with a {$3900.00} balance as of XX/XX/2025, was unknown to me until I reviewed my credit report. I filed a dispute with TransUnion via their online portal on XX/XX/2025, and sent a dispute letter via certified mail, demanding verification and deletion of the account due to its fraudulent nature. TransUnion failed to correct the inaccuracies or provide verification within 30 days, violating the Fair Credit Reporting Act, FCRA, as follows : 1681e.b : Failing to ensure accuracy by reporting an unauthorized account. 1681i.a.1 : Failing to conduct a reasonable investigation. 1681i.a.5 : Failing to delete unverifiable information. 1681c-1 : Failing to handle identity theft reports. CFPA 5536 : Engaging in unfair practices, per the CFPB 's 2025 findings. This account has harmed my credit score and risks further identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
The presence of this late payment on my report is misleading. Ive consistently paid on time and ask for it to be removed to reflect that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: TX

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

1681c-2 ) that you, the Experian Credit XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-31 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:
I am filing this complaint against Experian for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically : Failure to conduct a lawful reinvestigation under 15 U.S.C. 1681i ( a ).

Despite my written disputes which included detailed factual contentions and documentation, Experian failed to perform a reasonable reinvestigation and instead relied on boilerplate responses devoid of substance or legal merit.

Failure to provide proper notice of reinvestigation results under 15 U.S.C. 1681i ( a ) ( 6 ).

Experian did not provide adequate explanation or documentary evidence showing who verified the disputed information or how the investigation was conducted.

Continued reporting of inaccurate information in violation of 15 U.S.C. 1681e ( b ).

Experian continues to report derogatory accounts that are factually inaccurate, outdated, and unsupported by verifiable documentation. 

Failure to provide the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ).

I made a direct request for the method of verification and identification of the furnisher, which Experian ignored, thus denying me my right to know how the information was verified.

Requested Resolution : Immediate removal of all inaccurate or unverifiable information from my credit report. 

A complete and transparent disclosure of the method of verification used.

Monetary relief for damages resulting from the continued reporting of inaccurate data, including credit denials, higher interest rates, and emotional distress.

Full compliance with all FCRA requirements moving forward. 

Supporting Documentation : Attached is my dispute letter dated XX/XX/year>, which details the accounts in question and formally demands compliance under the FCRA. The letter was sent in good faith and with lawful intent, but Experian has not responded as required by federal law. 

Declaration : I certify that the information provided in this complaint is true to the best of my knowledge and that I have attempted to resolve this matter directly with Experian, to no avail.

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 2025-07-31 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX for allegedly violating federal consumer protection laws by illegally re-aging a charged-off credit card account in order to falsely extend the statute of limitations for debt collection and credit reporting purposes. 

The account was charged off and should reflect the original delinquency date in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ), which limits the reporting of negative information, including charge-offs, to seven years from the date of first delinquency ( DOFD ). However, XXXX XXXX has continued to update the account status and payment dates, inaccurately suggesting renewed activity, despite no payment or acknowledgment from me. 

This practice constitutes " re-aging '', which is strictly prohibited by the FCRA, as well as by guidance from the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). XXXX XXXX has falsely manipulated the date of last activity ( DLA ) to make the debt appear more recent, which can unfairly Extend the time the account stays on my credit report, Reset the statute of limitations for legal action, and Mislead third-party collectors and credit bureaus. 
Furthermore, this conduct may also violate : The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 2 ) ( A ), by making false or misleading representations about the legal status of the debt. 

The Truth in Lending Act ( TILA ), if account terms were modified without proper disclosure or consent. 

My states statute of limitations laws, which legally bar any attempt to sue or collect on a time-barred debt. 

I have not made any payments, entered into any agreements, or taken any action that would lawfully reset the DLA or statute of limitations. Therefore, XXXX XXXX 's reporting and actions appear to be deceptive, unlawful, and a serious violation of federal and state credit laws.

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 2025-07-31 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: MA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-07-31 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: FL

Complaint narrative:
I suspect these accounts were added to my credit report through fraudulent means. I request their immediate removal following a detailed investigation. Attached are relevant 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 2025-07-31 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-31 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: PA

Complaint narrative:
please remove these items from my credit report. these items do not belong to me. My information has been stolen and leaked in a breech. please help me i am trying to apply for a home but can not because of this so now i am living in a unsafe living situation. i am uploading my report from the ftc

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 2025-07-31 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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
Consumer complaint received 2025-07-31 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently visited this Bank Of America branch located at XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX. I cashed multiple checks here at this location prior to my visit today. I attempted to cash my check from XXXX XXXX but was denied for unseen reasons. The first representative refused multiple times to elaborate what was stop them from cashing my paycheck. I waited for an hour to speak with the Branch Manager who would not disclose any information besides a red flag was placed on my ID, the same ID/DL I used at this same location two days prior. I feel that I was racially profiled and discriminated against by Bank Of America and it's employees.

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 2025-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I contacted Ally Auto on or around XX/XX/year>, to resolve a charged-off debt originally owed to Ally Auto for approximately {$20000.00}. The Ally Auto representative, XXXX, was unable to assist me because the debt was transferred and sold to XXXX ( Ally XXXX XXXX. When XXXX came on the line, I spoke to the representative who offered me a settlement of around {$16000.00}, then {$12000.00}, then {$9000.00}, then finally {$4100.00}. I offered a lump-sum settlement and requested a written agreement confirming the terms of the settlement, including the payment amount, the account status after payment, and how it would be reported to the credit bureaus. 

The representative verbally agreed to settle the debt but stated they could not provide anything in writing until payment was made. I explained that I was a XXXX veteran with no current income other than VA XXXX, and that I was attempting to resolve this account in good faith to avoid bankruptcy and rebuild my credit. I made it clear I needed documentation to protect myself before making any payment.

Despite multiple requests, the company refused to send a written settlement letter or even a basic payment confirmation email before receiving payment. I believe this is misleading and unfair, as it pressures consumers to pay without any documentation of the agreement.

I am requesting your help to require this company to provide written confirmation of settlement terms before any payment is made. I am prepared to settle the account if I can receive those terms in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
XXXX XXXX  Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification - Loan Type CREDIT_CARD Original Creditor Name XXXX XXXXXXXX XXXX Months Reviewed 40 Activity Designator - Terms Frequency - Term Duration - Purchased From - Sold To - BALANCE AND AMOUNTS Balance {$1000.00} Credit Limit {$600.00} High Credit - Available Credit XXXX XXXXXXXX ACCOUNT DATES Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XXXX XXXX, XXXX COMMENTS AND CONTACT CHARGED OFF ACCOUNT CREDIT CARD For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was not opened by me. It was fraudulently opened. This information was obtained on Equifax credit bureau.

Company response to consumer: Closed with non-monetary relief