vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 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: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Charge-Off / Late Payment Reporting To Whom It May Concern, I am writing to dispute the accuracy and validity of a charge-off/late payment reported by XXXX XXXX on my account, which has been furnished to the consumer reporting agencies. After reviewing my credit file, I believe this reporting is inaccurate, unverifiable, and in violation of federal law. 

Legal Basis for Dispute Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers of information from reporting data they knowor should reasonably knowto be inaccurate. Unless XXXX XXXX can provide original, documented proof of the alleged delinquency, this entry must be deleted. 

FCRA, 15 U.S.C. 1681s-2 ( b ) requires that once a dispute is received, the furnisher must conduct a reasonable investigation, review all relevant information, and report the results back to the consumer reporting agencies. If the information can not be verified, it must be corrected or deleted.

15 U.S.C. 1666b ( Truth in Lending Act ) requires timely posting of payments. Any failure on XXXX XXXX part to properly credit payments can not legally result in a late payment designation. 

15 U.S.C. 1637 ( b ) requires accurate and complete periodic billing statements. If XXXX XXXX can not produce these original records, then the basis for the alleged late payment/charge-off is invalid. 

Specific Account in Question XXXX XXXX / Number : XXXX Alleged Late Payment/Charge-Off Date : XX/XX/year> Request for Action I formally request that XXXX XXXX conduct a reinvestigation into the reporting of this account. Unless you can provide the following documentation, the late payment/charge-off must be withdrawn from all credit reporting agencies to which you have furnished it : Original signed account agreement.

Complete payment history and billing statements covering the alleged period of delinquency.

Documentation proving proper notice of delinquency was provided to me, in compliance with applicable laws. 

If XXXX XXXX can not produce this documentation, you are legally obligated to immediately notify Experian, TransUnion, and Equifax that the reported information is inaccurate and must be deleted. 

Notice of Compliance Failure to comply with these requirements will be considered willful noncompliance under 15 U.S.C. 1681n, exposing XXXX XXXX to liability for statutory damages, attorneys fees, and costs. 

I respectfully request written confirmation within 30 days of receiving this notice that either : The disputed charge-off/late payment entry has been deleted from all consumer reporting agencies ; or Documentation supporting the validity of the reporting has been provided to me. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: MO

Complaint narrative:
On XX/XX/year>, I submitted a valid request under 15 U.S.C. 1681c-2 ( a ) requiring Equifax to block fraudulent accounts from my credit file within XXXX ( XXXX ) business days. My request included : Government-issued identification, Proof of address, An Identity Theft Report, A written statement specifying fraudulent accounts, Proof my information was compromised in the Equifax data breach. 
Despite receiving everything required by law, Equifax did not block or remove a single fraudulent account. This is a willful violation of the Fair Credit Reporting Act. The statute is clear : once an identity theft report and required documentation are received, the bureau must block the reporting of the fraudulent information within XXXX business days. Equifax has ignored federal law. 
This failure has caused me continued harm, including damage to my creditworthiness, stress, and financial hardship. 
SEE DOCUMENTS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I wanted to reach out to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious concerns for me about the safety of my sensitive data. As a result of the breach, fraudulent accounts and debts have been opened in my name. I would be grateful if you could take this into account when reviewing my credit report and take the necessary steps to address any inaccuracies or fraudulent activities.

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 2025-08-17 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: FL

Complaint narrative:
FINAL DEMAND FOR IMMEDIATE CREDIT REPORT CORRECTION EXPERIAN Consumer : XXXX XXXX Date : XX/XX/year> Report Type : Experian Full File URGENT DEMAND NEGATIVE TRADLINES MUST BE DELETED TODAY Experian and all data furnishers are willfully violating federal law, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and federal CARES Act protections. The repeated inaccurate, misleading, duplicate, and re-aged reporting has destroyed my credit, my ability to work, provide for my children, and access lifesaving medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: FL

Complaint narrative:
FINAL DEMAND FOR IMMEDIATE CREDIT REPORT CORRECTION XXXX  XXXX : XXXX XXXX Date : XX/XX/year> Report Type : XXXX  Full File URGENT DEMAND NEGATIVE TRADLINES MUST BE DELETED TODAY XXXX  and all data furnishers are willfully violating federal law, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and federal CARES Act protections. The repeated inaccurate, misleading, duplicate, and re-aged reporting has destroyed my credit, my ability to work, provide for my children, and access lifesaving medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request that Southwest Credit Systems, L.P. cease and desist all communication with me concerning an alleged debt of {$400.00}, reportedly dated XX/XX/year>. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), you are hereby notified to stop all further contact with me regarding this matter. After receiving this letter, you may only contact me to inform me that : You are terminating your collection efforts ; You may invoke specific legal remedies ; or You intend to invoke specific legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
I am a licensed real estate agent in FL and on XXXX XXXX, I entered into an exclusive buyer-broker agreement with my client, XXXX XXXX , for a defined period. On XX/XX/XXXX, I personally showed XXXX XXXX the property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which I showed to XXXX. I also introduced my client to a mortgage lender, XXXX XXXX from Cross Country Mortgage LLC, on that same day, as my client wanted to put an offer.

During this time, all communications with the buyer, the listing agent, and the lender were documented via emails and text messages, which I can provide as evidence. Despite our clear agreement and ongoing relationship, I was later informed ( XX/XX/year> ) by XXXX XXXX that XXXX XXXX spoke negatively about me behind my back and persuaded her to terminate our working relationship. He convinced her to work with another real estate agent of his choosing, who then closed the deal on the property.

My client only felt able to inform me of this on XX/XX/XXXX, fearing her mortgage approval depended on complying with the lenders demands. She expressed regret and confirmed that the new agent did not do any work, simply collecting a commission. Additionally, the property inspection, referred by the lender and inspector who also received compensation, was inadequate, resulting in approximately {$20000.00} in repairs for XXXX XXXX. 

I believe XXXX XXXX conduct was unethical and deliberately interfered with my contractual agreement, causing me financial harm and damaging my professional reputation. 


XXXX XXXX Originating Branch Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CrossCountry Mortgage, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal XXXX Branch XXXX Company XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX Auto Loans XX/XX/year> TransUnion, XXXX XXXX TO XXXX XXXX, Used XX/XX/year> TransUnion, XXXX XXXX Auto Loans XX/XX/year> TransUnion, XXXX XXXX Credit Unions XX/XX/year> TransUnion 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX : Experian Information Solutions , Inc . 
Issue : Experian failed to safeguard my personal and business information. Despite freezes and fraud alerts, unauthorized accounts and activity in my name continued. Their reporting contains inaccurate and fraudulent data tied to identity theft. Their lack of security controls and inaccurate reporting has caused financial and reputational harm.

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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I deposited a Wells Fargo check from my job into the atm. I was told the check would be made available to me same day XX/XX/XXXX or the XXXX. It wasnt. I called and the hold times are an hour and also they said it will be available on Tuesday which caused me to be late in my bill when I could have deposited it Monday.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
We were alerted that someone tried to open a bank account via XXXX XXXX XXXXXXXX. WE shut it down and tried to freeze our credit at transunion, Experian and XXXX. And since then they have unfrozen my credit and changed my log in!

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 2025-08-17 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: TN

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 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 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 explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX XXXX XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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  List of Unauthorized Inquiries : XXXX - 2024-09-10 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: TX

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 2025-08-18 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: MD

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, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am trying to finance a car and get approval for an apartment. My credit has been negatively affected by these collection reports. I am filing this complaint against JEFFERSON CAPITAL LLC. XXXX XXXX XXXX XXXXXXXX. regarding alleged debts they claim I owe. I have sent them a formal debt validation request dated XX/XX/year> under the FDCPA ( 15 U.S.C. 1692g ) requesting the following : Name of original creditor Complete itemization of the debt Copy of the original contract Legal authority to collect in my state Chain of assignment They have failed to provide any of the required documentation and continue to report this unverifiable debt to credit bureaus. This is a clear violation of the FDCPA and FCRA.

I request the CFPB take action and direct the company to provide full documentation or cease all collection and credit reporting activity. Attached is my validation letter and proof of mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting the immediate removal within XXXX days of this fraudulent account within XXXX days of these fraudulent accounts from my credit report pursuant to 15. U.S.C 1681c-2, which requires immediate removal of fraudulent information resulting from a data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting the immediate removal within XXXX days of this fraudulent account within XXXX days of these fraudulent accounts from my credit report pursuant to 15. U.S.C 1681c-2, which requires immediate removal of fraudulent information resulting from a data breach.

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 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: KY

Complaint narrative:
I put a dispute in with XXXX XXXX over XXXX XXXX Al platform that my daughter authorize without my permission. Then I went to cash app support to tell them to give me my money back they been giving me the run around.

Company response to consumer: Closed with explanation