vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-18 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AR

Complaint narrative:
I am filing a complaint regarding an account from XXXX XXXX XXXX  reporting on my TransUnion credit file as of XX/XX/XXXX. 

The account is closed and paid in full as of XX/XX/XXXX, with a {$0.00} balance and {$0.00} past due. However, it continues to report a 60 days past due status as of XX/XX/XXXX without displaying any Payment History Profile or context for the delinquency. This violates both the Fair Credit Reporting Act ( FCRA ) 611 and XXXX XXXX data reporting standards. 
A closed and paid account can not reflect a 60-day delinquency without a full Payment History Profile ( FHP ) justifying it.

Reporting a derogatory status without a past due balance misleads lenders and consumers.

The monthly payment field lists 100 %, which is inaccurate or system-generated filler.

No supporting delinquency timeline is shown, which makes it impossible to verify the accuracy of this negative mark.

I am requesting the immediate deletion or correction of this inaccurate derogatory account to ensure accurate and fair 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 non-monetary relief
Consumer complaint received 2025-07-18 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
I called RoundPoint Mortgage on XXXX to ask for a courtesy late fee waiver. I was late this month due to my pay schedule. I only get paid on the XXXX Friday of each month, and since the XXXX of XXXX was on a Friday this year, the pay system was a week behind and I did not receive my paycheck until XXXX, and I made the payment at XXXX as soon as my direct deposit hit my account. 
When I spoke to the supervisor at RoundPoint, they advised they will not waive a late fee unless it is their wrongdoing. I have over XXXX credit score and have never been late on any payments in the XXXX years we have had this mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: LA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I'm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-07-18 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-17 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: LA

Complaint narrative:
I am filing this complaint against Equifax regarding the inaccurate and unlawful reporting of a XXXX XXXX account ( # XXXX ). The account contains false derogatory information showing a XXXX late payment in XX/XX/year> and a XXXX late payment in XX/XX/year>. However, XX/XX/year> is reported as paid on time which makes it mathematically and logically impossible for the subsequent months to reflect those levels of delinquency. 

I have disputed this account multiple times, yet Equifax continues to return it as verified without providing any actual documentation, validation, or correction. This constitutes willful noncompliance with : FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate information FCRA 1681s-2 ( b ) failing to correct inaccurate information after being notified FCRA 1681i failure to conduct a reasonable reinvestigation FDCPA 1692e ( 8 ) reporting false information to credit bureaus FDCPA 1692g ( b ) failure to validate a disputed debt before further collection or reporting XXXX  XXXX has already agreed to a cease-and-desist. Despite that, Equifax continues to damage my creditworthiness by allowing this false account history to remain on my file. I have suffered emotional distress, denials of credit, increased interest rates, and financial harm due to XXXX continued reporting of incorrect information. 

I am demanding immediate correction of the account history or full deletion of the XXXX XXXX tradeline from my credit report. I am also requesting that Equifax provide written confirmation of its action. If this matter is not resolved within XXXX  days, I will pursue legal action and seek {$2500.00} in damages under applicable federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: Chime Financial Inc
State: MI

Complaint narrative:
I do not acknowledge this debt and have not received any documentation proving its accuracy or charge-off details. 

I submitted a dispute directly to the creditor requesting full validation, but have not received an adequate response. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), any inaccurate or unverifiable information must be removed from my credit report.

I request the CFPB assist in having this account fully verified or deleted from all credit reporting agencies. 

Please see my attached dispute letter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am writing to formally request your assistance in investigating and removing an inaccurate and/or unverifiable debt that appears on my credit report. XX/XX/XXXX. 2022 this debt was purchased from a debtor as a charge off, in the amount of {$440.00}. I have attempted to resolve this issue with the reporting entity and/or collection agency, but the matter remains unresolved.In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that the CFPB investigate this matter and, if appropriate, request removal of the inaccurate item from my credit file.This inaccurate listing is negatively affecting my credit and overall financial well-being. I respectfully request that the CFPB investigate this matter and take the appropriate action to ensure that the item is removed from my credit report in compliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
I am filing this complaint due to Sofi 's repeated mishandling of my income verification during the loan application process. I submitted all required documentation, including my XXXX W2 and XXXX, which clearly reflect earned income of approximately {$95000.00}. Despite this, the loan processor split my XXXX income into two separate categories and rejected my W2 under the inaccurate reasoning that I " no longer work there, '' even though this documentation is valid for the tax year in question and officially filed with the IRS. 
I additionally provided : XXXX paystubs covering XXXX to XXXX A signed job contract showing my daily minimum earnings A detailed explanation of my recent relocation for professional reasons When I contacted customer service to resolve the discrepancies, the agent was unable to explain the reasoning behind the income split or the rejection of IRS-approved documentation. I was told she would resubmit my income for recalculation, yet I later received a generic message requesting paystubs from the last 30 daysdespite having already submitted extensive pay documentation earlier in the process. 
The loan processor once again disregarded my verified XXXX income and suggested adding a co-borrower, even though my income clearly qualifies me independently. I was not given a transparent explanation or meaningful resolution, nor has Sofi acknowledged the documentation Ive already provided multiple times. I filed complaints on XX/XX/XXXX and XX/XX/XXXX. The application was denied without the SoFi loan processor providing an explanation of internal validation standards for reported prior tax year income.

Resolution Requested : I am requesting that Sofi : Review and properly classify my submitted IRS income documentation Recognize my job contract and pay history for XXXX as valid current employment evidence Provide a clear explanation of the processing error and ensure it is corrected Expedite and fairly process my loan application without unnecessary delays or inaccurate eligibility assessments Impact : This ongoing issue has caused significant stress, delayed financial planning, and has not been met with appropriate transparency or corrective action by Sofi.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was a victim of identity theft as a result of a data breech. In continuously getting items on my consumer report that I do not recognize or authorized. Please delete and block these. Thank you!!!

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 2025-07-17 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: CA

Complaint narrative:
Do you have any idea how XXXX  it is to work hard, do everything right, and then check your credit reportonly to find it filled with inaccurate information thats damaging both your credit score and your life? My credit is my lifeline in emergencies, and when every paycheck feels like one, this kind of error is not just frustratingits harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
NOTE : This is not about my loan, but I felt this information was too important to keep quiet I filed another CFPB complaint about Power Finance Texas, but in the course of looking at their previous complaints, I found something disturbing. While researching them, I knew that they had to close many of their Credit Access Businesses ( all with the XXXX Power Finance ) in XXXX. XXXX XXXX XXXX XXXX was one of them. I was surprised to see them mentioned in complaints from XXXX and XXXX. From the Texas XXXX of XXXX site, I was able to obtain their Certificate of Termination from XXXX. Ive also attached a document with their surrendered license from the Texas XXXX and their expired Texas XXXX listing for their surety account. Im asking the CFPB to reopen the complaints for XXXX, XXXX, and any other complaints for XXXX XXXX XXXX XXXX from XXXX onwards. I was truly sickened to see one of these complaints was from someone elderly. The company did not correct their complaint, so it is very likely that the loan documents were for XXXX XXXX XXXX and not one of their other CABs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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 late payment notation currently reflected on my credit report for the account associated with [ Account Name or Number ]. I have thoroughly reviewed my payment history, and I can confirm that this payment was made on time in accordance with the agreed terms. This inaccurate late payment entry not only misrepresents my financial behavior but also negatively impacts my credit score, despite my demonstrated consistency in fulfilling financial obligations. I take pride in maintaining responsible credit habits, and this erroneous mark undermines my years of effort and diligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
I reported these accounts as fraudulent, submitting a police report and an FTC report. These accounts were removed and blocked by the bureaus in XX/XX/XXXX because they could not validate the debt and did not send proof, as requested, of the original instrument of indebtedness to include my signature. These accounts have recently been added back to my credit report as of XX/XX/XXXX, with all new account numbers, name changes from the original name that was on these accounts back in XXXX, which were the fraudulent name. The amounts in XXXX were around {$46000.00}, and now in XXXX, these accounts are reporting {$82000.00}. I have reached out to these creditors on several occasions, and they have failed to comply with my disputes of fraud and my requests for an Identity Theft Affidavit. XXXX of the reporting companies is no longer in business, and I am getting the run-around from everyone I speak with at other companies, including the bureaus, who now have me filing a new police report and FTC forms, although I have my original complaints and police report from XXXX. The companies involved are as follows : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Equifax.

Company response to consumer: Closed with explanation