vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

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 2025-11-27 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: WA

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 non-monetary relief
Consumer complaint received 2025-11-26 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CO

Complaint narrative:
To Whom It May Concern : I am disputing inaccurate reporting on my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX under EOSCAR and METRO2 standards. The account activity is fraudulent and was impacted by the TransUnion data breach, which exposed my personal information without my consent. 

I am a protected servicemember under the SCRA ( 50 U.S.C. 39014043 ), and this law prohibits negative reporting on obligations during my XXXX XXXX service. This account reporting is inaccurate, unauthorized, and in violation of applicable law. 

I have attached my FTC Identity Theft Report supporting this dispute. I request : XXXX. Immediate investigation and correction of this account. 
XXXX. Removal of all fraudulent or unverifiable information from my credit file. 
XXXX. Written confirmation of your findings and actions. 

I reserve the right to pursue legal action for damages caused by fraudulent reporting, SCRA violations, and the data breach. 

Sincerely, XXXX XXXX Attachments : FTC Identity Theft 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 2025-11-27 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: AR

Complaint narrative:
I am submitting this letter to formally dispute multiple inaccuracies appearing on my credit report, specifically regarding late-open accounts reported by your bureau. These errors are materially misleading, misrepresent my actual payment history, and negatively impact my creditworthiness. I am requesting a thorough reinvestigation and correction of these accounts under the Fair Credit Reporting Act ( FCRA ), including but not limited to 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which collectively require credit reporting agencies to maintain accurate, complete, and verifiable consumer information, provide consumers with access to their files, reinvestigate disputed information, and ensure furnishers report only accurate data. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$46.00}

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 2025-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
In XXXX, I was notified by my mortgage company that I potentially qualified to have my escrow account for my property taxes cancelled. I formally requested them to research this. On XX/XX/XXXX, I received a response letter saying that I qualified for my escrow to be cancelled and a check for any remaining funds in the account would be mailed to me. I called every few weeks to see what the follow up was and the agents stated it was in process. On XX/XX/XXXX I received a letter stating my escrow account was fully paid, no shortages, no overages and that everything was fine. From XX/XX/XXXX to XX/XX/XXXX it was more than 30 days and 2 customer service calls and still no response about my escrow cancellation and refund. Since XX/XX/XXXX I received new property tax bills that showed an increase in my property taxes since the paperwork for my homeowners exemption was never filed. The mortgage company paid the higher tax bill and said I owe them for the shortage and that the escrow account will not be cancelled until the shortage was paid back. I have since filed a certificate of error with the county tax assessor and hopefully they will send a refund of the overpayment. I have also paid the mortgage company for the shortage in full. I need to know why they never did my escrow cancellation since the process started in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MI

Complaint narrative:
I am filing this complaint against EXPERIAN because they are reporting inaccurate and harmful information on my credit report and have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting is negatively affecting my ability to obtain employment and credit. 

I previously submitted a dispute under FCRA 611 ( a ) ( 6 ). I received the results of that investigation ; however, the results did not resolve the inaccuracies. Under my rights granted by FCRA 611 ( a ) ( 7 ), I submitted a request asking EXPERIAN to provide a description of the investigation procedures used in their 611 ( a ) ( 6 ) reinvestigation. 

EXPERIAN has failed to properly address the issues I raised and has not provided the legally required description of the investigation procedure within 15 days, as required by 611 ( a ) ( 7 ).

Accounts Inaccurately Reported by EXPERIAN XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  The late payment dates and payment history reported by EXPERIAN are inaccurate and unverified. I specifically requested the description of the investigation procedure for this account. EXPERIAN has failed to correct the inaccuracies or provide documentation supporting the reporting. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Reported Balance : {$20000.00} This account contains fraudulent charges, and under the XXXX XXXX Liability Policy, I am not legally liable for these transactions. Despite this, EXPERIAN continues to report an incorrect balance and an inaccurate charge-off status. This account was also reinserted into my credit report on XX/XX/XXXX, without proper notice, in violation of FCRA reinsertion rules. 

I requested correction or deletion of this account because it is unverified, inaccurate, and fraud-related, yet EXPERIAN continues to report it without proper documentation.

Violations of Federal Law ( FCRA ) EXPERIANs actions violate multiple sections of the FCRA : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 6 ) : Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 7 ) : Failure to provide the description of investigation procedures within 15 days FCRA 623 ( a ) ( 1 ) ( A ) : Reporting information they know ( or should know ) is inaccurate EXPERIANs mishandling of my disputes and reinvestigations does not comply with federal law and continues to harm my creditworthiness.

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 2025-11-26 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perry Law Office, P.C.
State: IN

Complaint narrative:
XXXX XXXX, my XXXX mother, made a payment on our behalf for the debt that was owed to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX We sent a cease and desist letter to Perry Law Office in XXXXXXXX XXXX XXXX  stating that fact and that we only get Social Security ... XX/XX/year> against the XX/XX/year> Letter we sent to Perry Law Office, they filed a XXXX XXXX XXXX case against me and my wife XXXX XXXX. The email that was submitted is my XXXX  mother 's ... and since I was a Debt Collector for a law firm, the rules were that the person that made the payment was responsible for the debt. ( Debt was transferred to XXXX 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CA

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 2025-11-26 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:
These accounts are being mixed with my credit information and do not belong to me. They are being reported under my name without my authorization or awareness, and I have never opened, authorized, or managed these accounts. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unknown and unauthorized accounts has caused me significant concern. I need immediate clarification as to why accounts that belong to someone else are appearing on my report and who is responsible for this erroneous 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 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
By accident when paying my bill online, I overpaid my bill to capital one XXXX XXXX by {$15000.00}. I have called numerous times I get bounced around and told give it XXXX  days on XX/XX/XXXX. The check will be cut. I have never received my refund check of {$15000.00}. I cant pay my mortgage. I cant buy food. They refuse to cooperate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, Equifax and TransUnion will investigate this account for me to ensure accuracy. 

Here is the personal information I am asking you to correct because it is inaccurate and incorrect : NAME : XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS : XXXX XXXX Here is the correct personal information : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYERS :

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 2025-11-26 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: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: GA

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: TX

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 non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 2025-11-26 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
A fraudulent XXXX XXXX credit card account, now being collected by Absolute Resolutions, has appeared on my Experian credit report even though I did not open or authorize this account. I recently filed an FTC Identity Theft Report ( # XXXX ) confirming the account is fraudulent. 

Experian began reporting this account without validating the information or verifying my identity, which violates FCRA 602 ( A ), 607 ( B ), 611, and 605B. The information is inaccurate, unverified, and is causing immediate harm during an active mortgage refinance.

I am requesting that Experian block and remove this fraudulent account under FCRA 605B and provide written confirmation of deletion.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
found someone on XXXX selling the camera i wanted but was out of state. we agreed that i would send him half upfront once he sends the item then the other half once i received it. i did further digging into the website he supposedly used to ship the item and it was a fake website. and when i confronted him about it he blocked me. and XXXX cant guarantee that i can get a refund even if i provide proof that they scammed me. which i will provide here

Company response to consumer: Closed with explanation