vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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:
My account with DEPT OF ED/XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 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. DEPT OF EDXXXX 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! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/year>, I submitted a dispute through XXXX regarding inaccurate or unverifiable information on my credit report. I requested validation and proof of account ownership from the data furnishers associated with the disputed tradelines. 

As of XX/XX/year>, I have not received any notification, results, or resolution from XXXX, and the disputed accounts remain unchanged. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires a response within XXXX XXXX 

I am now submitting this formal complaint requesting CFPB intervention to compel the company to either verify or delete the disputed information in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and XXXX XXXX notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next XXXX XXXX Ive included documents that explain my situation.

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 2025-08-06 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: MD

Complaint narrative:
I am requesting the immediate removal of fraudulent accounts and unauthorized inquiries that are still being reported on my credit file despite my previous disputes and submission of identity theft documentation. 

These items are XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX These are fraudulent accounts and inquiries I did not authorize, open, or approve. I have already submitted : Government-issued ID Social Security card Proof of address FTC Identity Theft Report Under federal law, the credit bureaus and furnishers are required to : Block identity theftrelated data within XXXX business days under 15 U.S.C. 1681c2 Remove inquiries that were not authorized under 15 U.S.C. 1681b ( c ) Reinvestigate and delete unverifiable or fraudulent data under FCRA 1681i ( a ) At this point, failure to act is a willful violation of federal law and XXXX be viewed as aiding aggravated identity theft under 18 U.S.C. 1028A. 

I am demanding the following resolution : Permanent deletion of the XXXX fraudulent accounts and all related inquiries A corrected and updated credit report Written confirmation of the actions taken If this is not resolved immediately, I will escalate this to : CFPB FTC State Attorneys General Legal action under FCRA 616 for statutory and actual damages This is not a new request. This is a final demand to fix an issue that should have already been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
Im following up on my previous request to remove fraudulent items from my credit file. These accounts are not connected to any transactions I made or authorized, and I believe they resulted from identity theft.

Some of these items have already been removed by other credit bureaus, which raises further concerns about their accuracy. The payment history reported is unclear and unfamiliar to me.

Under FCRA 605B ( c ) ( 1 ) ( C ), I understand you may only keep such information if it's proven to be accurate. So far, I havent received any valid proof.

Please review and remove the disputed items from my file as soon as possible.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-06 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: AL

Complaint narrative:
I am filing this complaint against Equifax for continuing to report inaccurate, outdated, and unverifiable information related to a XXXX XXXX XXXX charge-off account ending in XXXX. Despite multiple disputes and the account being settled under protest on XX/XX/year> ( strictly to satisfy a mortgage condition ), Equifax continues to report XXXX late XXXX of which are marked as XXXX days late. These entries are highly misleading and are not consistent with the way this account is reported by Experian ( which has since deleted the account ) or XXXX 

I spoke directly with XXXX XXXX 's Account XXXX team, who confirmed they only have record of a single, outdated dispute from years ago. This means XXXX XXXX has not received or investigated the disputes submitted through Equifax in recent monthsindicating a complete failure to conduct a reasonable investigation. Equifax has also failed to ensure the maximum possible accuracy of the information it furnishes to third parties, violating its duties under the Fair Credit Reporting Act. 

There are further XXXX XXXX compliance concerns, including continued charge-off reporting with no XXXX and conflicting delinquency histories. Equifax is reporting post-closure late payments and an inflated number of XXXX delinquencies with no proper basis. 

This has significantly damaged my credit standing and continues to result in credit denials, including credit limit increases and refinancing offers. I am preparing to take legal action if this is not resolved immediately. 

These actions constitute violations of the FCRA ( 15 U.S.C. 1681e ( b ), 1681s-2 ( b ), and 1681i ) as Equifax continues to verify inaccurate data and refuses to reasonably investigate or correct errors, even after receiving updated documentation. Ive disputed this account multiple times, and Equifax continues to blindly verify based solely on the furnisher 's outdated data. This has caused lasting credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian for continuing to report inaccurate and unauthorized information on my credit report, despite my multiple formal disputes. 

I have disputed two incorrect addresses XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX which do not belong to me. I have never lived at, received mail at, or had any association with these addresses. Their continued presence on my credit file is not only misleading but also raises concerns about potential identity theft or file mixing. Experian has failed to remove these addresses even after previous dispute rounds. 

In addition, there are multiple unauthorized hard inquiries listed on my Experian credit report that I did not initiate or authorize. These include inquiries from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for credit or services with any of these companies on or near the dates of these inquiries. These inquiries were done without my knowledge or permission and are in violation of FCRA 604 ( a ), which states that a consumer reporting agency may only issue a consumer report when there is a permissible purpose and proper authorization. 

Despite notifying Experian of these unauthorized inquiries in previous disputes, they failed to remove them or provide proof of permissible purpose. I believe Experian is in violation of the Fair Credit Reporting Act ( FCRA ) for continuing to report unverifiable and damaging information, failing to conduct a reasonable reinvestigation, and not ensuring the maximum possible accuracy of my credit file as required under FCRA 607 ( b ) and 611 ( a ).

This is now my third attempt to have these matters corrected. The inaction by Experian has caused me financial and emotional distress, and I am requesting the CFPB to assist in compelling Experian to : Permanently delete the two inaccurate addresses Remove all unauthorized hard inquiries Provide documentation proving any permissible purpose if they intend to continue reporting any of the disputed items Thank you for your assistance in helping resolve this matter fairly and lawfully.

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 2025-08-06 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-06 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 filing this formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and systematic inaccurate reporting on my credit file.Please see attached files

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
XXXXI have submitted multiple formal disputes to TransUnion, Equifax, and Experian concerning multiple accounts reporting negatively on my consumer reports. These accounts appear as collections, charge-offs, or assignments, yet the credit bureaus failed to provide proper validation of consideration (value given), which is a legal requirement under UCC  3-303(b).\n\nDespite my certified requests and follow-up letters (latest USPS Tracking #: XXXX XXXX XXXX XXXX XXXX XXXX, I received either generic template responses or no meaningful investigation at all. This violates my rights under:\n\n15 U.S.C.  1681i(a)(6)(B)(iii)  failure to provide reinvestigation results,\n\n15 U.S.C.  1681e(b)  failure to ensure maximum accuracy of consumer information,\n\n15 U.S.C.  1681b  lack of permissible purpose to share my private information,\n\nUCC  3-303(b)  failure to show consideration/value given for any alleged debt,\n\n18 U.S.C.  1028  unauthorized possession and use of my personally identifiable information (PII),\n\nXXXX XXXX XXXX XXXX  use of deceptive and inaccurate credit information under Georgia law.\n\nEach bureau continues to report alleged debts where the original creditor has charged off the debt and has likely issued IRS Form 1099-C. However, no such documentation has been produced to confirm:\n\nWho owns the alleged debt,\n\nWhether any consideration was paid for assignment,\n\nWhether I provided written consent to share or report such information.\n\nThis is misleading and damaging to my credit and legal standing.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for their failure to respond to a certified dispute letter requesting for a reinvestigation and validation I sent on XX/XX/year>, which was received by their office on XX/XX/year>, per USPS Tracking number and Return Receipt. The following accounts in fact are : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To datemore than 45 days laterTransUnion has not responded, which is a direct violation of the Fair Credit Reporting Act ( FCRA 611 ( a ) ). This inaction is causing harm to my creditworthiness and livelihood.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Benuck & Rainey, Inc.
State: TX

Complaint narrative:
Someone used my identity to purchase equipment for XXXX  Benuck Rainey came in control of the debt and is requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate personal information regarding past addresses that do not belong to me. I formally disputed this data under the Fair Credit Reporting Act ( FCRA ) and provided all required supporting documents, but the incorrect information remains. 

Specifically, the following addresses are inaccurately associated with my profile : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are not and have never been associated with me. 

I have submitted : A copy of my government-issued ID showing my legal name and DOB A recent utility bill verifying my current and correct address A copy of my Social Security card for identity confirmation My correct personal information is as follows : Full Name : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date of Birth : XX/XX/year>XXXX  SSN : XXXX  Despite submitting this dispute, the bureau failed to : Conduct a thorough investigation Remove the inaccurate address data Update my file with the correct information Provide any written confirmation of action taken This violates multiple sections of the FCRA, particularly those requiring accurate personal data reporting and a proper dispute resolution process within the required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a formal appeal regarding a loan modification offer dated XX/XX/year>. My appeal was sent via both certified mail and email to XXXX Mortgage, requesting a written response by XX/XX/XXXX. No written response has been received to date. 

I specifically requested : A breakdown of a sudden {$65000.00} principal increase Justification for the 6.625 % interest rate Clarification of the {$120000.00} HUD partial claim A reconsideration of the plan based on my medical and financial hardship Instead of a response, I later learned that XXXX claimed to have denied my original appeal on XX/XX/XXXX, XXXX I never received that letter, and their online portal continued to show Appeal Under Review as of XX/XX/year>. I believe this letter was backdated, which raises serious concerns about deceptive practices and potential mail fraud. 

I am XXXX and rely on clear, timely communication for housing stability. XXXX 's failure to respond has created undue harm, and XXXX requesting CFPB intervention under XXXX C.F.R. XXXX ( servicing standards ) and to investigate possible misrepresentation and noncompliance with XXXXrelated mortgage relief programs. 

Attachments include : XX/XX/XXXX appeal letter Certified mail delivery confirmation Screenshot of the portal showing Appeal Under Review on XX/XX/XXXX Copy of the backdated XX/XX/XXXX denial letter

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