vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below appear to be in violation of my federally protected consumer rights to privacy and confidentiality, as outlined under 15 U.S. Code 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Upon reviewing my consumer reports, I noticed inaccurate late payment entries on accounts for which I have always made timely payments. I have never missed a payment on the following accounts. Reporting Agencies have a responsibility to ensure the accuracy of the information they report, and it is essential that this standard is upheld. 

I am requesting a full investigation into these discrepancies. Please provide documentation such as account statements supporting the reported late payments. 

If you are unable to produce such evidence, I insist that the records be corrected immediately to reflect the accurate, on-time status of these payments, as I have consistently met my payment obligations without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
reviewed my credit reports from all three credit bureaus and found that the Freedom Mortgage account is reporting inconsistent late payment information across XXXX XXXX XXXX XXXX Specifically, the months reported as delinquent do not match across the bureaus. For example, XX/XX/year> is reported as no data by one bureau while others show activity. The comment section also contradicts the payment history by listing only a few late months, while the actual history shows additional months marked as late. 

On XX/XX/year> and XX/XX/year>, I submitted a formal dispute to XXXX requesting an investigation and correction. The result was marked as updated, but no corrections were made to resolve the discrepancies. The account continues to show inaccurate and conflicting data, which negatively impacts my credit score. 

I am requesting that the credit reporting agencies and Freedom Mortgage either correct the information consistently across all three bureaus or remove the tradeline entirely if the correct data can not be verified and substantiated.

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 2025-05-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, is trying to collect XXXXXXXX XXXX which is incorrect value. This company has tour package that they offered me to buy online which eventually pays off on its own. This claim is false. On the first day, I was told that to use their package I will have to pay XXXX XXXX  for the month I need to travel. The month I do not need to travel I dont have to pay. Seemed alright to me and I agreed. They started collecting following month. I was in shock and asked why are you collecting, I am not planning on travelling. They said, I will have to pay monthly installment for the package that I bought from them in order to keep the membership. I said I do not want to keep this membership. They said, it is not an option now since XXXX XXXX XXXX already paid for my package worth of XXXXXXXX XXXX now I have to pay them back. I was like I never agreed to this package. I was told monthly payment of XXXX XXXX which I will choose to pay if I need or want to travel. They said not I signed agreement for the package. I was so lost. They said I was on the video agreeing to this. I do not recall agreeing to this package. To not get my credit affected I started paying them ended up paying total of XXXXXXXX XXXX that included XXXXXXXX XXXX for principal and XXXXXXXX XXXX for interest. I have not used their service or website for a single thing. I steered clear and tried to tell XXXX XXXX that this company is fraudulent but they didnt take action. Because they are the head company probably for XXXX XXXX XXXX XXXX XXXX Now they are saying I owe them XXXXXXXX XXXX!!! And they put derogatory on my credit. Please Help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: MO

Complaint narrative:
I discovered that a bankruptcy is listed on my credit report, but I recently contacted the U.S. Bankruptcy Court for the Eastern District of Missouri and received written confirmation that they do not report any bankruptcy information to the credit bureaus. 

This raises serious questions about how this information was obtained and whether it is being reported accurately, in violation of the Fair Credit Reporting Act ( FCRA ). 

I am filing this complaint because I believe my consumer rights under FCRA Section 623 are being violated by the continued reporting of inaccurate and unverifiable bankruptcy information on my credit report.

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 2025-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: VA

Complaint narrative:
I am submitting this complaint regarding an inaccurate and unresolved delinquency reported by EdFinancial Services on my student loan account ( # XXXX ). 

In XX/XX/XXXX, EdFinancial reported my loan as delinquent. However, I was fully eligible for an Economic Hardship Deferment at the time, as I was receiving qualifying public assistance. Although my deferment request was submitted after the delinquency, it was approved and retroactively applied to begin on XX/XX/XXXX, covering the full period of the reported delinquency. 

In their written communication to me, EdFinancial themselves stated : Negative credit reporting may be removed if during the period of delinquency, you : were eligible for an Economic Hardship Deferment ( receiving public assistance or serving in XXXX XXXX )... 
This applies directly to my situation. I was eligible during the delinquency period, and my deferment has been officially approved and backdated to include that timeframe. 

This late mark is unjustly harming my credit profile and violates EdFinancials own policy. I am requesting that the CFPB intervene to ensure EdFinancial honors their written commitment by : Removing the XX/XX/XXXX delinquency from all credit bureaus, and Correcting the inaccurate reporting tied to this account. 
I am happy to provide : A copy of my deferment approval letter, Documentation confirming my eligibility for Economic Hardship Deferment at the time ( public assistance ), My credit report showing the reported delinquency, and The portion of EdFinancials policy quoted above from their official response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I contacted Experian after they failed to update my credit report to reflect a confirmed student loan forbearance from my loan servicer, XXXX. I submitted official documentation from XXXX dated XX/XX/year>, clearly outlining an active forbearance through XX/XX/year>. I have eight loans total with XXXX Direct Loans and four XXXX XXXX and all are currently in approved forbearance. None of these loans should appear as duplicate entries or show past-due status. 

The Experian representative initially acknowledged that the documents were valid and confirmed they were on official XXXX letterhead. She even stated she didnt understand why the accounts hadnt been updated. However, after speaking with her manager, she changed the story and claimed XXXX had 'rejected ' the documentation. When I asked for written proof of that rejection, she admitted there was none only a vague note on the file. This is misleading and inconsistent with FCRA requirements. 

I have also experienced repeated errors from Experian in the past, including the reporting of duplicate XXXX accounts and incorrect balances on other tradelines. For example, my XXXX account showed an open balance even after I confirmed with a representative that it had been updated to {$0.00}. I also had to dispute and escalate a paid utility collection from XXXX XXXX that remained on my report despite resolution. 

Experian has shown a pattern of negligence, inaccurate reporting, and inconsistent dispute handling. This is causing significant harm to my credit profile, personal time, and financial well-being.

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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Consumer Relations, I am writing to formally dispute fraudulent accounts and inquiries that have appeared on my credit report due to identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S. Code 1681c-2 ) and the Fair Credit Billing Act ( FCBA ), I am requesting that these fraudulent items be blocked, investigated, and permanently deleted from my credit report. 
I recently became aware of fraudulent activity on my credit report on XX/XX/year>, when I attempted to apply for an auto loan. Upon review, I discovered unauthorized accounts and hard inquiries linked to my personal information. I have never applied for, authorized, or conducted any transactions related to these accounts. Additionally, I have received official notice that my personal data was compromised in the Equifax data breach, which further supports my claim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to you under my rights as outlined in the Fair Credit Reporting Act ( FCRA ) to dispute incorrect and conflicting information being reported on my credit report concerning my XXXX mortgage account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Despite multiple requests to correct this information, the discrepancies outlined below continue to persist : Account Status Conflicts : TransUnion shows the account as Closed, Experian shows Paid, while Equifax incorrectly reports it as Open with an active balance. 

Balance Inconsistencies : TransUnion and Experian correctly report a {$0.00} balance, yet Equifax inaccurately reports a balance of {$100000.00}. 

Opening Dates Mismatch : TransUnion lists the opening date as XX/XX/year>, whereas Experian and Equifax show XX/XX/year>XXXX 

This conflicting data is misleading, damaging, and violates my rights under FCRA Section 607 ( b ), which mandates that consumer reporting agencies must maintain maximum possible accuracy of the information they report. 

I am formally requesting : Immediate deletion of this closed account from my consumer report. 
A complete reinvestigation under FCRA Section 611 ( a ) and proof of verification from the original creditor.

Written confirmation of deletion within 15 days of receipt of this letter.

Should this inaccurate item not be resolved promptly, I will consider taking legal action for damages as allowed under FCRA Sections 616 and 617 for negligent and willful noncompliance. 

Please consider this my final attempt to resolve this matter amicably. 

Sincerely, 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 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-16 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} XXXXXXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} UNAUTHORIZED INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-05-16 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: Westlake Services, LLC
State: TX

Complaint narrative:
Upon reviewing my XXXX  credit report dated XX/XX/XXXX, I noticed multiple hard inquiries that I did not authorize or do not recognize. Specifically, several inquiries were made on XX/XX/XXXX, from companies I have no record of applying for credit with, including : XXXX XXXX XXXX XXXXWESTLAKE FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, other inquiries such as those from XXXX XXXX ( XXXX XXXX ) XXXX XXXX, and XXXX XXXX on earlier dates ( e.g., XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ) were also not initiated by me. 

To my knowledge, I only applied for credit with a select few institutions during this time and believe the number and timing of these inquiries may indicate either : Unauthorized credit pulls, Improper handling of my application by dealerships or finance companies who shared my information without consent. 

These inquiries are negatively affecting my credit score and were not all authorized. 

Requested action : Please investigate and remove any unauthorized or incorrect hard inquiries from my report. I request verification of each companys authorization and proof of my consent for the inquiries

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 2025-05-16 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Upon reviewing my XXXX  credit report dated XX/XX/XXXX, I noticed multiple hard inquiries that I did not authorize or do not recognize. Specifically, several inquiries were made on XX/XX/XXXX, from companies I have no record of applying for credit with, including : XXXX XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, other inquiries such as those from XXXX XXXX ( XXXX XXXX ) XXXX XXXX, and XXXX XXXX  on earlier dates ( e.g., XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  ) were also not initiated by me. 

To my knowledge, I only applied for credit with a select few institutions during this time and believe the number and timing of these inquiries may indicate either : Unauthorized credit pulls, Improper handling of my application by dealerships or finance companies who shared my information without consent. 

These inquiries are negatively affecting my credit score and were not all authorized. 

Requested action : Please investigate and remove any unauthorized or incorrect hard inquiries from my report. I request verification of each companys authorization and proof of my consent for the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-16 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: CA

Complaint narrative:
I am disputing the completeness and accuracy of the payment history for the accounts listed below. Upon reviewing my credit report, I noticed multiple errors in the payment history that clearly fall under billing errors as defined by 15 USC 1666 ( b ) Billing Error. I do not recall being late on any of these accounts, and I request that the payment history be updated to reflect on-time payments.

The creditor has failed to meet their obligations under : - 15 USC 1666 ( b ) Billing Error : - ( 4 ) The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

- ( 5 ) A computation error or similar accounting error by the creditor on a statement. 

Additionally, I was not provided with a statement 21 days prior, as required by law. Therefore, there should be no late payments recorded on these accounts. 

I am requesting documentary evidence showing that I was late in making these payments. If such proof can not be provided, please update these late payments to " Paid on Time. '' 1. Late Payment ( Open ) XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This notice will also be submitted to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX, and my State Attorney General. 

I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have submitted a picture attached files with all the account that I have in dispute and a credit bureau did not conduct a proper investigation with my credit accounts, and I would like for those accounts to be deleted and removed from my credit, including the hard inquiries and all inquiries That I have disputed within my credit. Please mail a copy of a deleted information that was removed from all of my accounts to the following address that I placed on my dispute form and thank you for your cooperation.

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 2025-05-16 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 asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXXXXXX XXXX XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute & Request for Immediate Removal of Fraudulent Accounts Under FCRA Dear Experian, TransUnion, and Equifax I am writing to formally dispute fraudulent accounts and negative items that have appeared on my credit report as a result of Equifax data breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), you are required to block and remove fraudulent accounts within four ( 4 ) business days upon receiving proper notification.

Accounts are listed in document files uploaded.

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 2025-05-16 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: FL

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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