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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this dispute to request that the following accounts be investigated for accuracy. I believe these accounts are reported inaccurately and do not reflect the true status of my credit history. I kindly ask that each bureau thoroughly review the information provided below and correct any discrepancies that may be present. Thank you for your prompt attention to this matter. 
Charged Off Accounts XXXX XXXX XXXX  XXXX * * * * * * * * * * * * * * * * * * * * * * * * * * * * XXXX XXXX - XXXX * * * * * * * * * * * * * * * * * * * XXXX XXXXXXXX - XXXX * * * * * * * * * * * * * * * * * * * XXXX XXXXXXXX - XXXX * * * * * * * * * * * * * * * * * * * XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * * * * * * * XXXX XXXX - XXXX * * * * * * * * * * * * * * * * * Inquiries XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> Resolution Requested : Please investigate the accuracy of the reported charged-off accounts and inquiries above. If any inaccuracies are found, I request that they be corrected or deleted.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Charged-Off Accounts XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$2900.00} XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$970.00} XXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX Amount : {$950.00} XXXX  XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$600.00} XXXX  XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$450.00} XXXX  Acct # : XXXX Date : XX/XX/XXXX Amount : {$10000.00} XXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX Amount : {$11000.00} XXXX XXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX Amount : {$2600.00} XXXX dispute the accuracy and completeness of these accounts. Please verify all information with the original creditors. Remove or correct any unverifiable accounts. 

Inquiries None currently disputed. 

Late Payments XXXX  Acct # : XXXX XXXX  XXXX Acct # : XXXX & XXXX & XXXX I dispute these late payments and request verification. Any late payments that can not be verified should be removed or corrected.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because my Equifax credit report contains multiple inaccurate and unauthorized entries that are negatively impacting my credit profile. These entries do not accurately represent my financial history, and I am requesting the XXXX XXXX XXXX XXXX assistance in ensuring that Equifax conducts a full and fair reinvestigation in compliance with the Fair Credit Reporting Act. 

The first issue involves XXXX  XXXX, account number XXXX * * * *, which is being reported as a charge-off account. This information is entirely inaccurate, as I have no knowledge of this account ever being charged off. This incorrect reporting has caused harm to my creditworthiness and must be removed immediately. 

The next issue concerns XXXX XXXX, account number XXXX * * * * * * * *, which is being reported with a late payment. This is false and misleading because I have never made any late payments with this creditor. The account should accurately reflect an on-time payment history rather than an incorrect late payment notation. 

In addition, there is an unauthorized inquiry appearing on my Equifax report from XXXX XXXX XX/XX/year>. I never gave permission for this inquiry, nor do I have any relationship with this company that would justify such an action. This inquiry was made without my consent and violates the FCRAs permissible purpose rule. 

These inaccuracies and unauthorized items are damaging my credit profile and must be addressed promptly. I am requesting that the Consumer Financial Protection Bureau ensure that Equifax completes a full reinvestigation of each disputed item and provides proper verification or deletion of unverifiable data. 

My fair resolution request is for Equifax to permanently delete all inaccurate and unauthorized information, including the false charge-off, the incorrect late payment, and the unauthorized inquiry, from my credit report.

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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Charged-Off Accounts I am disputing the following accounts reported by Experian as charged off. I am requesting verification from the original creditors. If Experian can not verify the accuracy and ownership of these accounts, I request that they be deleted immediately. 

XXXX XXXXXXXX XXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX Balance : {$15000.00} I do not believe this balance or status is accurate. Please provide the original contract, payment history, and charge-off documentation from the furnisher. 

XXXX XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Balance : {$240.00} This account is reported as charged off, but I do not recognize it as such. Please verify the accuracy directly with the creditor and remove if unverifiable. 

Inquiries I am disputing the following Experian inquiries as unauthorized. 
I did not apply for credit with these entities or give permission for them to access my report. Please provide proof of permissible purpose under FCRA 604 or remove these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payments I am disputing the late payment reporting on the following Experian accounts. 
I believe the reported delinquencies are inaccurate and request verification with full payment history. If the creditor can not verify, please correct or remove these late payments. 

XXXX XXXX XXXX XXXXXXXX Acct # : XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX Acct # : 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I used to get scammed by a foreign company through XXXX, cause many issues overdrawn accounts caused closure and banks submitted those to chexsystem, some banks ended relationships with me, and I was found a XXXX in my brain since XXXX, I couldnt get chances and couldnt afford the debt and as it right now I cant open any regular bank accounts now.I have come back to work and get decent pay, my personal finances is normal now, I think theres still XXXX or XXXX banks on the report, and I wish I can work with chexsystem to get those resolved and remove the bad bank history that I can open regular banks accounts.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because my credit reports contain inaccurate and inconsistent information that violates my rights under the Fair Credit Reporting Act ( FCRA ) and the CARES Act. I have already submitted a written dispute to the credit bureaus regarding these errors, but I am requesting the CFPBs assistance to ensure a proper investigation and correction are completed. 

The accounts in question are XXXX BANK ( Account XXXX. XXXX * * * * * ) * * and XXXX XXXX XXXX  ( Account No. XXXX * * * * * ) * *. My credit reports show different information across the XXXX bureaus : XXXX Bank : Experian shows a XXXX late payment reported in XX/XX/year>, Equifax shows XXXX XXXX late in XX/XX/year>, while TransUnion does not list XXXX account at all. 

XXXX XXXX XXXX : No late payments are reported on any bureau, but the dates of last activity differ significantly between Experian, Equifax, and TransUnion. 

These inconsistencies clearly indicate that at least XXXX or more of the credit bureaus, or the furnishers, are reporting inaccurate and unverifiable information. This is a violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires the bureaus to conduct a reasonable investigation of disputed information, and FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require furnishers to report accurate information and promptly correct any errors. Additionally, FCRA 623 ( b ) mandates that furnishers investigate disputed data once notified by a bureau. The discrepancies show this process was not properly followed.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because my credit reports contain inaccurate and inconsistent information that violates my rights under the Fair Credit Reporting Act ( FCRA ) and the CARES Act. I have already submitted a written dispute to the credit bureaus regarding these errors, but I am requesting the CFPBs assistance to ensure a proper investigation and correction are completed. 

The accounts in question are XXXX BANK ( Account XXXX. XXXX * * * * * ) * * and XXXX XXXX XXXX  ( Account No. XXXX * * * * * ) * *. My credit reports show different information across the XXXX bureaus : XXXX Bank : Experian shows a XXXX late payment reported in XX/XX/year>, Equifax shows XXXX XXXX late in XX/XX/year>, while TransUnion does not list XXXX account at all. 

XXXX XXXX XXXX : No late payments are reported on any bureau, but the dates of last activity differ significantly between Experian, Equifax, and TransUnion. 

These inconsistencies clearly indicate that at least XXXX or more of the credit bureaus, or the furnishers, are reporting inaccurate and unverifiable information. This is a violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires the bureaus to conduct a reasonable investigation of disputed information, and FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require furnishers to report accurate information and promptly correct any errors. Additionally, FCRA 623 ( b ) mandates that furnishers investigate disputed data once notified by a bureau. The discrepancies show this process was not properly followed.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX  % 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 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: TX

Complaint narrative:
Charged Off Accounts : XXXX  XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1100.00}. Please verify and update this account. 

XXXX  XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1400.00}. Please verify and provide the correct status. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$100.00}. Please verify and provide the correct entry. 

Inquiries : XXXX XXXX XXXX  ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Please remove it from my credit report.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 
Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX Accounts I am disputing the following charged-off accounts and requesting that TransUnion verify each with the original creditor. Any unverifiable, outdated, or incorrect information should be deleted or updated. 

XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX Amount : {$1600.00} XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXXXXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX XXXX  # : XXXX Date : XX/XX/XXXX Amount : {$5100.00} XXXX XXXX XXXX XXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$800.00} XXXX XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$1300.00} XXXX XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$2700.00} XXXX BANK XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$650.00} XXXX XXXX XXXXXXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$1300.00} XXXX XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$830.00} Bankruptcy Case # : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries None currently disputed. Please ensure no unauthorized inquiries remain on file. 

Late Payment XXXX XXXX XXXXcct # : XXXX I am disputing the accuracy of the late payment being reported. Please provide verification from the creditor or remove the negative mark if it can not be substantiated.

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: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS Inaccurate Information : Status Open though account is in collection ; duplicate balances across bureaus. 
Violations : FCRA 607 ( b ) Incomplete data.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of debt character.

Violations : 4

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
Check XXXX and it was on my account.I have no acknowledgment of the accounts.Someone has stolen my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
XX/XX/XXXX, I reached out to several homeowners insurance companies for quotes for insurance for my home. I currently had XXXX. When I reached out to XXXX XXXX for a quote, they sent it to my mortgage company, Selene Finance. I was not interested in the quote that XXXX XXXX sent and I contacted XXXX XXXX at XXXX XXXX XXXX - XXXX Farm on XX/XX/XXXX let my mortgage company know that I would be sticking with XXXX. In the interim, my mortgage company paid two premiums, XXXX XXXX and XXXX, which I was unaware and my homeowners increased significantly. 

XX/XX/XXXX, I noticed that XXXX XXXX was again listed as my insurance when XXXX called to say that they never received the premium. I called and emailed Selene Finance on several occasions to fix the matter. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I could not reach anyone by phone, no one answers the number that they provide for customer service. I finally reached someone in the insurance department who notifice me that I had two insurance companies on file, XXXX XXXX and XXXX and have been making payments to both thru my mortgage payments, which caused my payments to be extremely high. The insurance department at Selene Finance said that I would have to contact XXXX XXXX to cancel and have them send a check to me or Selene to cover the escrow shortage. On XX/XX/XXXX I received a payment of {$1700.00}. I called Selene Finance to let them know that I received it and asked how do I have it applied to my escrow account. I was told that I would be charged a fee of {$230.00} for services becasue I had a shortage. 

My question, is it legal to charge a service fee if the escrow account is short? Also, XXXX actually paid two insurance companies and charged my account, which is why the escrow is short.

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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am filing this complaint because Freedom Mortgage is reporting a 30-day late payment on my mortgage account after the account was paid in full and closed during the sale of my home. 

Account Number : XXXX Balance : {$0.00} ( loan paid off in full ) Account Status : Closed / Paid I disputed this late payment in writing on XX/XX/year>, and I sent a Second Request/ Final Notice on XX/XX/year>. Proof of mailing is attached. 


Proof XXXX Freedom Mortgage did not provide any documentation to verify the late payment. 

Instead, they updated the account remarks to : Dispute Resolved Subscriber Disagrees Consumer Disputes After Resolution However, the actual dispute investigation was never completed, and no verification records were provided, which is required under : FCRA 611 ( a ) ( 1 ) ( reasonable reinvestigation ) FCRA 623 ( b ) ( duty to correct after dispute ) FCRA 607 ( b ) ( maximum possible accuracy ) The late payment continues to negatively affect my credit profile despite the loan being paid in full. If the creditor can not verify the late payment, it must be removed.

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