vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I am writing to formally dispute certain accounts that appear on my credit report, which I believe to be inaccurate, incomplete, or unverifiable. These entries violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation V ( Metro-2 ). I am requesting a full investigation and removal of any entries that can not be verified with proper documentation. Please see the following accounts in dispute : Accounts in Dispute 1. XXXX XXXX XXXX {$2100.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( inaccurate reporting ), FCRA 611 ( a ) ( 1 ) ( A ) ( failure to investigate ), FCRA 623 ( b ) ( 1 ) ( C ) ( failure to correct after dispute ).

2. XXXX XXXX XXXX {$860.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( incorrect payment history ), FCRA 611 ( a ) ( 1 ) ( A ) ( failure to verify ), FDCPA 807 ( 8 ) ( false representation of debt status ).

3. XXXX XXXX XXXX {$110.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( incorrect reporting ), FCRA 611 ( a ) ( 1 ) ( A ) ( failure to investigate ), FCRA 623 ( b ) ( 1 ) ( C ) ( failure to update or correct ). 4
. XXXX XXXX XXXX {$1100.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( failure to report accurately ), FCRA 611 ( a ) ( failure to investigate dispute ), Reg V ( Metro-2 ) ( incorrect status codes ).

5. XXXX {$19.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( incorrect reporting of account status ), FCRA 623 ( b ) ( 1 ) ( C ) ( failure to update information ).

6. XXXX XXXX XXXX XXXX {$260.00} ( Opened XX/XX/XXXX ) Violations : FCRA 607 ( b ) ( incorrect payment status ), FCRA 623 ( b ) ( 1 ) ( C ) ( failure to correct after dispute ), FCRA 611 ( a ) ( 1 ) ( A ) ( failure to investigate ).

Legal References & Basis for Dispute 1. FCRA 607 ( b ) : Requires that the credit reporting agency maintain maximum accuracy in reporting and rectify any incomplete information.

2. FCRA 611 ( a ) ( 1 ) ( A ) : Requires CRAs to perform a reasonable investigation after a dispute and correct or remove the data if it is found to be inaccurate.

3. FCRA 623 ( b ) ( 1 ) ( C ) : Requires furnishers to correct any inaccurate information within 30 days after being notified of a dispute.

4. FDCPA 807 ( 8 ) : Prohibits collectors from reporting false or misleading information about a debt.

5. Reg V ( Metro-2 ) : Mandates that CRAs report accurate status codes and update account information following dispute resolutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX please tell me if my email XXXX is fully still active and isnt restricted and still can be used at any other banks for Zelle I got a called today about cfbp complaint XXXX from XXXX at line number XXXX and the lady who was helping me I don't remember her name saying she couldn't provide me the information and she didn't understanding what I was saying or sound like she didn't know what she was doing and because she say the name on the zelle profile don't match the name on the cfbp complaint and I need her to be investigative and punishment and listen to our call and precord call and recording call because i just need to know if XXXX is restricted or no its is active and i can us it etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
After contacting you, the next morning - ( after almost 4 weeks of me trying on my own ) Mr Cooper called and assigned a person to follow the process through- she was able to email me a copy of the recoded deed. I was promised one in the mail which I have not received ( it may be in transit ) The problem I have is with the resolution letter - they state my first payment to pay off the mortgage was returned insufficient funds- this is impossible as I had just sold my home and had twice as much as the wire to Mr Cooper in my bank account. At that time Mr Cooper was having trouble with a cyber incident. I want this corrected in all documents I have NEVER had a payment returned to me and I would not have sent this to them this way.

Mr Cooper has been very difficult to work with and insinuating that it was my fault it was coded insufficient and then the cyber issue is not true. I want all my records to reflect the correct information and I want copies mailed and emailed to me to prove they did it.

I also feel I am entitled the the {$1000.00} fine that is their responsibility to pay me because they were 100 % at fault for not recording this. As I stated I have about 30 hours of my time on the phone trying to correct this, 2 afternoon trips to XXXX XXXX Register of Deeds and paid for parking besides my time and frustration there ( though XXXX XXXX never made me feel this was my fault and searched thoroughly to be sure it wasn't misplaced on their end. ) I also now have to set up time to go back and redo my home equity loam - the credit union put it through as a second lien - higher interest rate, and now they are willing to redo it. But bottom line non of this should have happened and I am very insulted that Mr Cooper is NOT owning their mistakes and lack of communication until you got involved. I should never had had this happen and I truly would have been more understanding if Mr Cooper would have acknowledged everything in the beginning and not make me go through a third party for help- which I truly appreciate. Bottom line fix the records and now they can pay me for my time and their mistakes. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
I am writing to formally dispute the following accounts listed on my credit report. I believe these accounts contain inaccurate information that is negatively impacting my creditworthiness. Below is a breakdown of the accounts I am disputing, separated by each bureau. 

Equifax ( XXXX ) Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I am writing to formally dispute the following account information. After reviewing my credit report, I believe there are inaccuracies and incomplete reporting that need to be addressed. The details of my dispute are as follows : CHARGED OFF : XXXX, XXXX, XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} LATE PAYMENTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: OR

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently paid on time, and any errors in this reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX XXXX is illegally re-aging a XXXX XXXX account ( about {$680.00} ). The original service ended in XX/XX/XXXX when I moved from XXXX XXXX XXXX, but XXXX XXXX continues updating the Date Reported ( most recently XX/XX/XXXX ) to make the debt appear current. 

This violates the Fair Credit Reporting Act ( FCRA 605 ( c ) ), which requires the 7-year reporting period to begin at the original Date of First Delinquency with the original creditor. Re-aging the account misrepresents its true age and damages my credit. 

Ive filed disputes with TransUnion, XXXX XXXX XXXX asking them to verify or delete the account. Im requesting CFPB oversight to ensure XXXX XXXX and the credit bureaus correct or delete this inaccurate information if the true DOFD can not be verified.

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 2025-10-31 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: CO

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
This is for my business account with AMEX with 0 % promotional interest until XX/XX/year>. 

For the XXXX XXXX statement, with due date of XXXX, min payment due= {$150.00}, I made two payments : payment 1 on XXXX in the amount of {$8000.00} payment 2 on XXXX in the amount of {$7700.00} The second payment was made with the intent to pay full balance on the account, however, I had entered the wrong account number and the second payment got returned. This resulted in a {$39.00} returned check fee + the account being removed from 0 % promotional interest and {$350.00} charged in interest. 

Although, payment was submitted as expected for the month in the amount of XXXX ( min due was {$150.00} ), Amex is claiming they must charge interest as I haven't fulfilled my obligation due to returned check ( which was for an attempt to make a second payment for that same month ).

This is unfair, misleading consumer practices. I have made the min payment and on time and according to contract but the contract terms are not honored and I am being charged {$400.00} for an error regarding an extra payment I wanted to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MS

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 non-monetary relief
Consumer complaint received 2025-10-31 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: OneMain Finance Corporation
State: TX

Complaint narrative:
ONEMAIN FINANCIAL Inaccurate Information : Conflicting open/closed statuses, missing proof of delinquency, and inconsistent balances.

Violations : FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ) FDCPA 807 ( 2 ) ( A ) 15 U.S.C. 1681s-2 ( a ) Violations : 5

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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 because my Experian credit report contains multiple inaccurate and unauthorized items that have caused harm to my credit profile and financial reputation. Despite maintaining a responsible credit history, several accounts, inquiries, and even an incorrect address are being reported without proper verification or authorization. 

The first issue is with the address XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, which is being reported on my Experian file. This is not my address, and I have never lived at or been associated with that location. This false address must be removed immediately. 

The account XXXX  XXXX, account number XXXX XXXX XXXX XXXX XXXX, is being reported as a charge-off. This is inaccurate and misleading because I have no knowledge of this account ever being charged off. This incorrect reporting has damaged my credit score and does not reflect my true payment history. 

The account XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is showing a late payment. This information is also inaccurate because I have never made a late payment on this account. The late payment notation is false and should be corrected immediately. 

In addition to these inaccurate accounts, there are multiple unauthorized credit inquiries listed on my Experian report that I never approved or initiated. These include XXXX XXXX dated XX/XX/XXXX, XXXX XXXX  dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX, XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. These inquiries were made without my consent and violate the Fair Credit Reporting Acts requirement for consumer authorization or permissible purpose. 

These inaccurate and unauthorized items are negatively impacting my creditworthiness and peace of mind. I am requesting that the Consumer Financial Protection Bureau review this matter and ensure that Experian conducts a full reinvestigation of all disputed items in compliance with the Fair Credit Reporting Act. 

My fair resolution request is for Experian to permanently delete all unverifiable, inaccurate, and unauthorized information from my credit report, including the wrong address, the false charge-off, the incorrect late payment, and all unauthorized 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 2025-10-31 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information listed on my credit report. I request that you investigate the following accounts and provide a resolution as soon as possible. 

Charged Off Accounts XXXX XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$4100.00}. 

XXXX XXXX, Account XXXX : XXXX, Date Open : XX/XX/XXXX, XXXX : {$7500.00}. 

Inquiries XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX I request that you verify the accuracy of the above information and promptly correct any inaccuracies. Kindly provide a resolution as soon as possible, and update me on the progress of your investigation.

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 2025-10-31 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: SC

Complaint narrative:
Equifax violated the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) by failing to block and delete fraudulent information within four business days after receiving my identity theft documentation. I provided Equifax with a Police Report ( XXXX Police Department # XXXX ) and an FTC Identity Theft Report ( # XXXX ) identifying fraudulent accounts with XXXX XXXX and XXXX XXXX XXXX. 

Instead of following the FCRA requirement to block first and investigate later, Equifax improperly conducted a reinvestigation and verified the accounts as valid based only on payment data or account history. This was not legitimate evidence of ownership. Ongoing evidenceincluding an admission by a former girlfriend responsible for opening the fraudulent accounts and proof of continued bank hacking activityshows that any transaction or payment records tied to these accounts were unauthorized and part of the identity theft scheme. 

Despite receiving proper documentation, Equifax has failed to remove or block these fraudulent accounts and continues to report them, causing ongoing harm to my credit and financial reputation. Equifaxs refusal to apply the four-business-day block violates both federal law and South Carolina consumer protection standards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MI

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-31 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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