vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: MO

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and thattracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the dispute account, as XXXX inaction violates federal law and my rights as a consumer.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
FCRA Violations Not mine Not my Utilitys THE XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$93.00} Status Account charged off. {$93.00} written off. {$93.00} past due as of XX/XX/XXXX. 
never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed not my name XXXX XXXX XXXX XXXX  not my inquiriy 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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
FCRA Violations Not mine Not my Utilitys THE XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$93.00} Status Account charged off. {$93.00} written off. {$93.00} past due as of XX/XX/XXXX. 
never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed not my name XXXX XXXX XXXX XXXX  not my inquiriy XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/year> good leap contacted me and said that they were going to turn off my solar panels if I did not make a payment. I'm only 30 days behind on my payment, they have not sent a notice secure default and they were making many phone calls within a 1 hour period of time and I had to tell them to quit calling me. Now they're threatening me with disconnecting my solar panels and also trying to sell me a warranty on my solar panels because the installer went out of business. I feel like they're very unethical company and there are bordering on harassment now

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: IN

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 2025-10-07 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: FL

Complaint narrative:
RE : Independent Reinvestigation XXXX XXXX XXXX ( Acct ending XXXX ) Equifax reports : Collection Installment Open Placed for collection Balance {$630.00} Date Last Active : XXXX. 
Collections must not be labeled Installment. You also fail to display DOFD, and the use of a recent Date Last Active XXXX XXXX XXXX obsolescence would constitute re-aging ( obsolescence runs from DOFD ).

All late months are disputed. Provide running statements/ledger ( due date receipt posting ) for every late month ; codes are not proof.

Cites : FCRA 607 ( b ) ; 611 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 5 ) ( A ) ; 623 ( a ) ( 5 ) DOFD ; 605 ( a ) / ( c ) no reaging ; Reg V ; Cushman.

Metro 2 fixes : Portfolio/Type = Collection ; Past Due = {$0.00} ; PHP/Payment Rating blank ; valid Special Comment ; DOFD furnished ; Terms/SMPA blank ; confirm obsolescence from DOFD, not 2025 activity. Delete if unverifiable.

Enclosures/CMRRR included. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) acct ending XXXX RE : IXXXX XXXX XXXX ( XXXX ) Equifax shows : Collection Installment Open Placed for collection Balance {$270.00}. 
Remove Installment, furnish DOFD, ensure Past Due = {$0.00} and XXXX blank ; otherwise delete under XXXX1i ( a ) ( 5 ) ( A ).

All late months disputed ; ledgers demanded ; codes proof.

Cites/Enclosures as above.

3 ) Eastern Account System WOW SERVICE acct ending 370612 RE : Independent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax shows : Collection Installment Open Placed for collection Balance {$870.00}. 
Same corrections required ( Portfolio/Type, Past Due = {$0.00}, XXXX blank , DOFD furnished ) ; delete if unverifiable. 
All late months disputed ; ledgers demanded ; codes proof. 
Cites/Enclosures as above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
SYSTEMIC VA LOAN FRAUD & TITLE CONCEALMENT CORE PROBLEM : The servicer, M & T Bank Corporation, is committing ongoing fraud by demanding payment on a mortgage lien that is legally NULL AND VOID. This is a continuous violation of FCRA and RESPA. 

I. IRREFUTABLE TITLE DEFECTS ( XXXX ) XXXX XXXX XXXX : The mortgage originated in XX/XX/XXXX was defective from inception. The Deed ( XXXX ) granted only a XXXX XXXX, not the Fee Simple required, contaminating the entire loan contract. 

LIEN EXTINGUISHED BY LAW : The lien was legally and irrevocably NULL AND VOID by XX/XX/XXXX, following the recorded Lost Note/Mortgage Satisfactions ( XXXX ), as required by S.C.Code29-3-310. 

VA LOAN FRAUD : In XX/XX/XXXX, XXXX XXXX XXXXXXXX committed Fraud Against the U.S. Government by originating the VA-backed loan ( Loan # XXXX ) and securing a federal guaranty on a mortgage that was already void. This fraud was compounded when XXXX filed a corporate admission of satisfaction days later ( XXXX ). 

XXXX. CONTINUOUS RACKETEERING AND FAILURE TO COMPLY ( XXXX PRESENT ) The current servicer, M & T Bank, and its predecessor, XXXX, are perpetuating this fraud by Collection of Unlawful Debt ( XXXX ) : FCRA VIOLATION ( Proof of Ongoing Fraud ) : I formally disputed the account with the Credit Reporting Agencies. M & T Bank 's decision to continue reporting the loan as a " valid, secured obligation '' is willful non-compliance with 15U.S.C.1681s-2 ( b ) ( FCRA Duty to Investigate ), as the bank ignores the public record proof that the lien is void. 

TILA/RESPA Violations : The Enterprise failed to provide TILA Assignment Notices and RESPA Servicing Transfer Notices when the debt was XXXX  through XXXX, obstructing my legal right to dispute the non-existent obligation. 

Institutional Concealment : The servicer 's refusal to correct the error after triple formal notice ( QWR, FCRA dispute, SettlementDemand ) provides evidence that this is a systemic, coordinated attempt to conceal the initial fraud. 

XXXX. RELIEF DEMANDED CESSATION : Immediately cease all servicing, foreclosure efforts, and collection activities. 

CORRECTION : Delete this account from all credit reporting agencies ( CRAs ) as the XXXXen is void, and correct the status to reflect " Lien Extinguished/Null and Void. '' INVESTIGATION : Conduct a full investigation into the legal validity of the lien, addressing the XXXX XXXX defect and the XXXX recorded Satisfactions, and provide documents proving legal standing, including the recorded assignment from XXXX to M & T Bank.

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 2025-10-07 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: CA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXXXXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-07 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: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2025-10-07 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: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I am submitting this complaint to formally report Citizens Mortgage for repeated mishandling of my mortgage account, failure to provide consistent support during financial hardship, and practices that have caused direct financial harm. 

My household has been affected by the ongoing government shutdown, which has significantly impacted our income. When I reached out to Citizens Mortgage for assistance, I was told that a packet would be mailed to me, which I would need to complete and return. After that, the company allows up to 45 days to review the submission before providing any decision. During this time, my account continues to be reported negatively to credit bureaus even though I am actively seeking help and following their process. This delay is unreasonable and punitive, especially given the urgency of the situation. 

In addition to the lack of timely support, Ive encountered serious inconsistencies in communication. I have called Citizens Mortgage five separate times, and each representative has given me conflicting information about the hardship process, the timeline, and my options. This lack of clarity and coordination has made it nearly impossible to navigate the situation effectively.

Furthermore, my monthly mortgage payment has been fluctuating without clear explanation. Citizens Mortgage has allowed my escrow account to go negative, which in turn has caused my monthly payment to increase even further. This has placed an even greater financial burden on me, and I have not received any proactive communication or resolution regarding the escrow shortfall. Also not flexible with biweekly and or split payments. 

The combination of delayed hardship support, inconsistent customer service, unexplained payment changes, and negative credit reporting during a national crisis is unacceptable. I am requesting that the CFPB investigate Citizens Mortgages servicing practices, particularly their handling of hardship cases and escrow management. I also ask that my account be protected from further negative credit reporting while this matter is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

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

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>

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