vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TX

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 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am an Equifax XXXX XXXX consumer, and I am filing this complaint because inaccurate and unverifiable information continues to be reported on my credit file despite multiple formal disputes. The furnishers and credit reporting agencies have failed to comply with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. 

Specifically, the following accounts are being willfully and inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX Both accounts contain false, misleading, and unverifiable data, including contradictory reporting across bureaus, inconsistent payment histories, and incorrect derogatory statuses. Despite several disputes and requests for validation, the furnishers have continued to report this information without providing any proper verification or evidentiary documentation. 

Additionally, my credit file contains incorrect personal information, including wrong names, addresses, and dates of birth, which I have repeatedly demanded be deleted. These errors violate my consumer rights and raise serious concerns about data integrity and identity contamination especially given that my personal information was compromised during the Equifax XXXX XXXX. 

This pattern of noncompliance and disregard for FCRA obligations demonstrates negligence and willful misconduct by both the furnishers and the reporting agencies. Their continued furnishing of unverifiable data is causing ongoing harm to my creditworthiness, financial opportunities, and reputation.

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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Outsourcing, Inc.
State: OH

Complaint narrative:
I have received a bill for {$51.00} from receivables outsourcing and I am requesting for the name in the address of the original creditor. It is from receivables outsourcing LLC. The phone number is XXXX. I need to know the date of service of this, and I am disputing it until I am able to have full information that it belongs to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Freedom Mortgage has failed to provide my escrow surplus refund of {$200.00} since XX/XX/year>. I have contacted their customer service and escrow department multiple times via secure messaging and call. They have issued XXXX replacement checks around XXXX and only because I had to call and ask for it since it was way delayed. When I tried to cash it, my bank verified it and I was not able to cash out- my bank provided written letters confirming that neither could be cashed or deposited due to Freedom Mortgages check-issuance errors. Written letters were sent via message to Freedom Mortgage as well and they deny to acknowledge them. 

Despite providing proof and written documentation from my bank, Freedom Mortgage refuses to issue a valid refund or apply the funds to my mortgage account. I would like to add my bank was contacted as well multiple times and was told it was an issue from Freedom Mortgage. This has been ongoing for several months, and I have not received the money owed to me. It has been an extremely frustrating ongoing situation.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is in regards to the initial complaint to CFPB XXXX that I submitted on XX/XX/XXXX. Transunion 's response is completely unacceptable. After over XXXX months, TransUnion has failed entirely to address the substantive dispute regarding the false late payment entries on my student loans serviced by XXXX. 

Instead of conducting a proper, good-faith investigation as required under the Fair Credit Reporting Act ( FCRA ), TransUnion has done nothing except append a frivolous note to my credit report stating that I have an active dispute. This is not a resolution, it is a sham. I submitted clear written evidence from XXXX confirming that all of my loans were in forbearance in XXXX, making it impossible for these late payments to exist. TransUnions failure to act on this evidence is blatant negligence and bad faith. 

To be clear : the issue is not the existence of a dispute, the issue is that the false late payments remain on my credit report, causing ongoing, real harm to my creditworthiness. Their so-called investigationa three-day turnaround resulting in no correctionis a gross violation of their obligations under the FCRA. 

I demand that the CFPB immediately : Force TransUnion to remove all false late payment entries for XX/XX/XXXX and any other affected periods on all my student loan accounts. 

Ensure a lawful and thorough reinvestigation under the FCRA that properly considers the documentation I submitted. 

Hold TransUnion accountable for its bad-faith handling of my dispute and failure to correct provably inaccurate information in a timely manner.

This matter is urgent. TransUnions response is insulting, inadequate, and legally insufficient. I expect the CFPB to intervene immediately to protect my rights and prevent further damage to my credit.

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I DISPUTED CHARGES ON MY CAPITAL ONE CREDIT CARD FOR CHARGES FROM XXXX I DID NOT AUTHORIZE. XXXX CAME BACK SHOWING AN ACCOUNT FROM SOMEONE ELSE, WHO DID NOT HAVE MY CREDIT CARD NUMBER OR AUTHORIZATION TO USE MY CREDIT CARD. I CONTACTED XXXX AND THEY WERE UNABLE TO PROVIDE PROOF OF MY AUTHORIZATION, BUT CAPITAL ONE REFUSED TO SIDE WITH ME, DESPITE THEIR LACK OF EVIDENCE, AND REVERSED OVER {$3000.00} IN CHARGES BACK TO MY CARD. THIS IS RIDICULOUS AND I WANT TO CLOSE MY ACCOUNT, BUT THEY WILL NOT LET ME CLOSE MY ACCOUNT. THEIR REPRESENTATIVES WERE NOT PROPERLY TRAINED TO HANDLE MY DISPUTES AND THE LAST PERSON I TALKED TO TREATED ME WITH COLD BLOODED DISRESPECT LIKE IF I WAS SOME XXXX. I AM DONE WITH THEM. PERIOD.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing the accuracy and completeness of the information you are reporting regarding the following account : Creditor Name : XXXX XXXX Card Services Account Number ( Partial ) : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Status : Charge-Off / {$610.00} Past Due Date Closed : XX/XX/XXXX Last Payment Reported : XX/XX/XXXX Upon careful review, this account contains inaccurate and/or unverifiable information. Specifically, the status, balance, and date-related reporting are inconsistent and incomplete between bureaus. Pursuant to 15 U.S.C. 1681i ( a ), I am requesting a full reinvestigation of this item.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Reporting unverifiable or inconsistent data violates that standard. If the original creditor can not verify every element of this accountincluding date of last payment, balance owed, and charge-off statusyou are required to promptly delete it. 

In addition, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or reasonably should know to be inaccurate. I am asserting that this information is unverifiable, and therefore must not be retained or re-reported without substantiation.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX USC XXXX. I suspect these inquiries were made in error and am requesting their removal.

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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 's 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 that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, my XXXX XXXX XXXX account is being reported with XXXX late payments on my credit reports from [ Experian / TransUnion ], which I believe is factually incorrect. Also says the account was close XX/XX/2021, when it was close XX/XX/2021. However, XXXX  is reporting this same account with no missed or late payments, which aligns with my records. I have never been 30 or more days late on this account. The late payments listed on your report appear to be erroneous. Under the FCRA, credit reporting agencies and furnishers are required to : Conduct a reasonable investigation into any disputed information ( 1681i ), Correct or delete any information that is found to be inaccurate, incomplete, or unverifiable ( 1681c-2 ), Respond within 30 days of receiving a dispute ( 1681i ( a ) ( XXXX ) ( A ) ). Please conduct a thorough investigation of this account and verify the reporting with XXXX XXXX XXXX. I am requesting that all inaccurate late payment entries be removed from my credit report and that the account reflect accurate, on-time payment history, consistent with what XXXX  is reporting. Enclosed Documentation : Copy of my credit report showing the inaccurate reporting ( Experian/TransUnion ) Copy of XXXX  report showing no missed payments

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: American Credit Acceptance, LLC
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of the above-referenced account, which is being reported by American Credit Acceptance . I have discovered that your company has illegally altered the Date of Last Derogatory and Date Charged Off on my credit file, effectively re-aging the account in violation of the Fair Credit Reporting Act ( FCRA ). 

This change causes the derogatory information to appear more recent than it truly is, which artificially extends the time that this account negatively affects my credit report. Such action constitutes false and misleading reporting. 

Legal Basis FCRA Violations FCRA XXXX ( a ) ( XXXX ), 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : A data furnisher is required to accurately report the Date of First Delinquency ( XX/XX/XXXX ) and ensure that any subsequent reporting is consistent with that date. Altering related fields such as the date of last derogatory activity or charge-off date to make an account appear newer violates this section by misrepresenting the true status and age of the account. 

FCRA XXXX ( b ), 15 U.S.C. XXXX ( b ) : Consumer reporting agencies and furnishers must ensure maximum possible accuracy in the information they report. Re-aging by changing the date of last derogatory or charge-off clearly violates this duty. 

FCRA XXXX ( a ), 15 U.S.C. XXXX ( a ) : Negative accounts, including charge-offs, can not be reported for more than XXXX years from the original delinquency that led to the charge-off. By altering these dates, American Credit Acceptance is unlawfully extending the reporting period.

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: EQUIFAX, INC.
State: VA

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

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation