vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
This complaint is a follow-up to the dispute letter already sent to Equifax on XX/XX/year>. That letter challenged XXXX XXXX  XXXX accounts that should not be reporting at all : XXXX XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX These accounts were supposed to be removed under a previous agreement, yet they are still showing on the Equifax credit file with information that is clearly inaccurate and inconsistent. The dispute letter explained the errors in detail, including incorrect dates, balances, account statuses, and Metro-2 reporting issues. It also pointed out that these XXXX accounts are reporting differently across the different credit bureaus, which is a major red flag that the data isnt reliable. 

Equifax was asked to provide proper verificationsuch as a copy of the original signed application, a full and itemized payment history, proof that they have a permissible purpose to report the accounts, and documentation like a Form 1099-C if the accounts were charged off. None of that has been provided. No meaningful investigation was done. The accounts remain unchanged even though the information is unverified. 

Under the Fair Credit Reporting Act, anything thats inaccurate, incomplete, or cant be verified is supposed to be deleted. Instead, the accounts are still being reported, and the situation is continuing to hurt credit scores, cause denials for better terms, and create ongoing stress trying to fix something that should have been removed already.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
In XX/XX/year>, my mortgage servicer, Mr. Cooper ( Nationstar Mortgage LLC ), advised me that in order to qualify for loss-mitigation or loan-modification assistance, I would first need to become delinquent on my mortgage payments. At that time, my account was current, but I was experiencing financial hardship due to layoffs and reduced income. Acting on the servicers guidance, I allowed payments to lapse so that I could be reviewed for assistance. 

After submitting XXXX full hardship applications and XXXX appeals, the investor declined to participate, leaving me unable to reinstate immediately. Mr. Cooper subsequently reported multiple months of delinquency to the credit bureaus, even though the delinquency occurred only because their representatives instructed me that it was a prerequisite for assistance. These negative reports severely damaged my credit. 

I filed a written credit-correction dispute with Mr. Cooper on XX/XX/year>, explaining that the delinquency was servicer-induced and not an intentional failure to pay. On XX/XX/year>, I received a written denial from their Credit Reporting Research Department stating that no errors were found and that the reporting would remain. Their response ignored the fact that the delinquency resulted from their own instructions and therefore constitutes inaccurate and misleading reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NC

Complaint narrative:
I am requesting that my complaint ( XXXX ) be reopened immediately due to major inaccuracies in XXXX XXXX reporting and their failure to properly investigate. I have now discovered multiple violations involving my 1099-C, the charge-off amount, reporting dates, and the continued furnishing of false information to the credit bureaus. 

XXXX. The creditor issued a 1099-C in XXXX for {$950.00}. 
This means the debt was officially canceled and discharged in XXXX. Under IRS 26 U.S.C. 6050P and FCRA 623 ( a ) ( 1 ), the amount reported to the IRS must match what the furnisher reports to the consumer reporting agencies. 

XXXX. XXXX is reporting a completely different charge-off amount to Experian. 
Experian, XXXX and XXXX show a charge-off balance of {$1300.00}, not the {$950.00} listed on the 1099-C.

This is a material inaccuracy under FCRA 607 ( b ). 

XXXX. They continued reporting CO ( charge-off ) marks for XXXX, XXXX, and XXXX. 
This is years AFTER the debt was canceled in XXXX. 
Continued reporting after a 1099-C is prohibited. It creates a false appearance of ongoing delinquency and damages my credit unlawfully. 

XXXX Credit Report shows the account being updated as recently as recent as XX/XX/XXXX. 

Balance updated : XX/XX/XXXX Past due as of : XX/XX/XXXX This is illegal continued furnishing on a debt that was canceled XXXX years earlier. 

XXXX. The creditor is reporting an active past-due balance of {$1300.00} after cancellation. 

After issuing a 1099-C, the account must reflect : -a {$0.00} balance, -no past-due amounts, OR the tradeline must be deleted entirely. 

Reporting a balance after cancellation violates FCRA 623 ( a ) ( XXXX ) and Metro-2 guidelines.

XXXX. The information XXXX provided in the previous CFPB response was incomplete and inconsistent. 

Because the creditor continues to report : -the wrong balance -the wrong dates -continued charge-off activity and a different amount than what was reported to the IRS it is clear that the previous investigation was not complete or accurate.

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 2025-11-25 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: NC

Complaint narrative:
I am requesting that my complaint ( XXXX ) be reopened immediately due to major inaccuracies in XXXX XXXX  reporting and their failure to properly investigate. I have now discovered multiple violations involving my 1099-C, the charge-off amount, reporting dates, and the continued furnishing of false information to the credit bureaus. 

XXXX. The creditor issued a 1099-C in XXXX for {$950.00}. 
This means the debt was officially canceled and discharged in XXXX. Under IRS 26 U.S.C. 6050P and FCRA 623 ( a ) ( 1 ), the amount reported to the IRS must match what the furnisher reports to the consumer reporting agencies. 

XXXX. XXXX is reporting a completely different charge-off amount to Experian. 
XXXX, Transunion and XXXX show a charge-off balance of {$1300.00}, not the {$950.00} listed on the 1099-C. 
This is a material inaccuracy under FCRA 607 ( b ). 

XXXX. They continued reporting CO ( charge-off ) marks for XXXX, XXXX, and XXXX. 
This is years AFTER the debt was canceled in XXXX. 
Continued reporting after a 1099-C is prohibited. It creates a false appearance of ongoing delinquency and damages my credit unlawfully. 

XXXX Credit Report shows the account being updated as recently as recent as XX/XX/XXXX. 

Balance updated : XX/XX/XXXX Past due as of : XX/XX/XXXX This is illegal continued furnishing on a debt that was canceled XXXX years earlier. 

XXXX. The creditor is reporting an active past-due balance of {$1300.00} after cancellation. 

After issuing a 1099-C, the account must reflect : -a {$0.00} balance, -no past-due amounts, OR the tradeline must be deleted entirely. 

Reporting a balance after cancellation violates FCRA 623 ( a ) ( XXXX ) and Metro-2 guidelines. 

XXXX. The information Synchrony/PayPal provided in the previous CFPB response was incomplete and inconsistent. 

Because the creditor continues to report : -the wrong balance -the wrong dates -continued charge-off activity and a different amount than what was reported to the IRS it is clear that the previous investigation was not complete or accurate.

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 2025-11-25 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: NC

Complaint narrative:
I am requesting that my complaint ( XXXX ) be reopened immediately due to major inaccuracies in XXXX XXXXs reporting and their failure to properly investigate. I have now discovered multiple violations involving my 1099-C, the charge-off amount, reporting dates, and the continued furnishing of false information to the credit bureaus. 

XXXX. The creditor issued a 1099-C in XXXX for {$950.00}. 
This means the debt was officially canceled and discharged in XXXX. Under IRS 26 U.S.C. 6050P and FCRA 623 ( a ) ( 1 ), the amount reported to the IRS must match what the furnisher reports to the consumer reporting agencies. 

XXXX. XXXX is reporting a completely different charge-off amount to XXXX. 
XXXX, XXXX  and Equifaxs show a charge-off balance of {$1300.00}, not the {$950.00} listed on the 1099-C.

This is a material inaccuracy under FCRA 607 ( b ). 

XXXX. They continued reporting CO ( charge-off ) marks for XXXX, XXXX, and XXXX. 
This is years AFTER the debt was canceled in XXXX. 
Continued reporting after a 1099-C is prohibited. It creates a false appearance of ongoing delinquency and damages my credit unlawfully. 

XXXX Credit Report shows the account being updated as recently as recent as XX/XX/XXXX. 

Balance updated : XX/XX/XXXX Past due as of : XX/XX/XXXX This is illegal continued furnishing on a debt that was canceled XXXX years earlier. 

XXXX. The creditor is reporting an active past-due balance of {$1300.00} after cancellation. 

After issuing a 1099-C, the account must reflect : -a {$0.00} balance, -no past-due amounts, OR the tradeline must be deleted entirely. 

Reporting a balance after cancellation violates FCRA 623 ( a ) ( 2 ) and Metro-2 guidelines. 

XXXX. The information XXXXXXXX  provided in the previous CFPB response was incomplete and inconsistent. 

Because the creditor continues to report : -the wrong balance -the wrong dates -continued charge-off activity and a different amount than what was reported to the IRS it is clear that the previous investigation was not complete or accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
Dear Sir/Madam, I am requesting a thorough review of the following accounts reported to TransUnion. These accounts contain inaccurate information, and I believe they violate provisions of the Fair Credit Reporting Act ( FCRA ). I ask that they be corrected immediately to reflect accurate data. 

CHARGED OFF XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX LATE PAYMENT XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RS Clark and Associates, Inc.
State: NC

Complaint narrative:
Your message still avoids the main issue. You keep repeating the same statements about the balance, the original creditor, and your internal notes, but none of that shows that I ever gave consent for R S Clark to handle or receive my personal information. You can not call my complaint frivolous when you have never provided the XXXX thing I requested, which is proof of authorization. I already reviewed my records and there is no agreement with my name that gives your company permission to access, store, or report anything under my profile. You keep relying on the original creditors records instead of showing your own documentation, which is not proper verification. This has caused damage to my credit and you have still not produced anything that ties me to your company by consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GUARANTEED RATE INC.
State: NV

Complaint narrative:
The mortgage loan lender and servicer, Guaranteed Rate, did not pay county property taxes, resulting in county tax penalty. We have been making monthly payments on time and the loan is in good standing. My loan originator called and confirmed with me today that the servicer/lender were supposed to pay as part of the mortgage, as the taxes were calculated and rolled into the mortgage. In addition, Guaranteed Rate escrow account office told me on the phone erroneous/deceptive information that I am supposed to pay the XXXX year new development property taxes out of pocket. My loan originator verified this information I was told to be completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 am disputing the following items on my Experian credit report. The information appears to be inaccurate and/or unverifiable. I request that these items be fully investigated and removed if they can not be validated according to FCRA regulations. 

CHARGED-OFF ACCOUNTS ( EX ) EDFINANCIAL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
I don't really know any information about this.It was a XXXX XXXX  account that I had XXXX or XXXX years ago.And I know I paid all my bills to them.I had nothing left when I left their company and I don't know why this is coming out XXXX or XXXX years after the fact.And never, ever tried to contact 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 non-monetary relief
Consumer complaint received 2025-11-25 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: TN

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$830.00} XXXX XXXX - XX/XX/XXXX - {$0.00} Hard Inquiries : XXXX XXXX - XX/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 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Subject : Citibank/Home Depot False Returned-Payment Allegation & Unlawful Account Closure Consumer : XXXX XXXX XXXX Account Ending : XXXX Complaint : Citibank/Home Depot Credit Services closed my Home Depot Consumer Credit Card account based on an inaccurate and misleading reason, stating there were two returned payments in the last 6 months.

This adverse action is false.

My bank confirms : Payments were successfully deducted.

No payment was ever returned, rejected, or reversed on the bank side. 
All reversals occurred within Citibank/Home Depots internal system, not by the consumer.

The exact same bank account used for over a year was later accepted again by Home Depot without issue.

Always been current on payment and XXXX ( XXXX ) balance as of the closure of the account. 
Therefore, the reasons provided in the adverse action notice are materially inaccurate and constitute violations of : ECOA 15 U.S.C. 1691 ( d ) ( Defective and inaccurate adverse action notice ) FCRA 15 U.S.C. 1681s2 ( Inaccurate information furnished internally ) FCBA 15 U.S.C. 1666 ( Failure to maintain accurate account/payment records ) TILA 15 U.S.C. 1637 ( b ) ( Inaccurate periodic account reporting ) UDAAP 12 U.S.C. 55315536 ( Unfair, deceptive, and abusive conduct ) Requested Relief : Investigation by CFPB Written proof of alleged returned payments Correction of the adverse action notice Removal of all false internal notations Reinstatement of my account Assurance of no negative credit reporting

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: SC

Complaint narrative:
On XX/XX/year>, a state court issued a certified order fully expunging and sealing my misdemeanor XXXX  in the XXXX  Degree conviction ( Case # [ put case number here ] ). The order states the conviction is deemed never to have occurred and must be removed from all records. 
On XX/XX/year> ( XXXX  days after the court order ), I sent formal FCRA disputes with the certified expungement order attached to Checkr, XXXX XXXX, XXXX, and XXXX  the XXXX largest background-check companies used by employers. 
I have an immediate job offer that requires a clean background check to be completed by XX/XX/year>. The continued reporting of this legally expunged conviction is preventing me from starting work and is costing me wages I desperately need. 
These companies have known about the expungement for weeks ( Checkr and the others received my dispute and documents on XX/XX/year> ) yet have not yet removed the record. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), consumer reporting agencies must maintain reasonable procedures to assure maximum possible accuracy and must complete reinvestigations within XXXX  days. Reporting a legally expunged conviction is inaccurate on its face and is causing real financial harm. 
I am filing this complaint now because the delay in updating an expunged record even within the XXXX window is actively blocking employment and perpetuating the exact harm the expungement process is supposed to end.

Company response to consumer: Closed with explanation