vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am submitting this dispute as a consumer seeking to rectify inaccuracies on my credit report. I respectfully request that the following accounts be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Below are the details for each bureau : Charged Off Accounts : XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$5200.00} XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$1000.00} XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$950.00} XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$750.00} XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX Late Payments : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: KS

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-06 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: 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. 

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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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 2025-11-06 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: 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. 

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 seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
I am filing a complaint regarding repeated mortgage servicer changes and ongoing servicing failures by companies under the same corporate umbrella, which have caused confusion, stress, and risk of misapplied payments. 

Timeline of Events : XX/XX/year> : Contacted XXXX XXXX  to report unemployment ; arranged forbearance. 
XX/XX/year> : Servicer transferred to XXXX ; payments remained {$0.00}. Despite this, I received calls and letters demanding the account be brought current. 
XX/XX/year> : Letter claimed {$9000.00} due after forbearance ended ; a call clarified payments were under 3-month forbearance, but calls/letters continued. 
XX/XX/year> : Informed servicer that employment would resume on XX/XX/XXXX ; payments to resume in XXXX. 
XX/XX/year> : XXXX stated servicer would change back to XXXX XXXX effective XX/XX/XXXX. Documentation to underwriting was not submitted until XX/XX/XXXX, causing no resolution for XXXX payment. Delays worsened by reliance on third-party info their own related company. 
XX/XX/year> : Letter stated monthly payment change from {$1800.00} to {$1700.00} due to escrow, even though no payment required during forbearance. 
XX/XX/year> : Trial plan letter received ; agreed to {$1400.00} payments to test modification readiness. 
XX/XX/year> : Letter stated payments would now be {$1700.00} due to escrow. 

Problems : Multiple servicer changes required setting up new accounts and signing new documents each time. 
Companies under the same corporate umbrella fail to communicate internally, causing conflicting instructions, delays, and confusion. 
Phone calls confirm repeated errors ; I have a detailed log including dates, times, representatives, and outcomes.

Risk of misapplied payments or credit reporting errors due to inconsistent instructions.

Preferred contact method : email only, due to difficulty documenting phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
I had my ID and SS stolen I had to XXXX XXXX police report. I have several items that I am not familiar with show what ison all 3 credit bureaus. I have requested that the following account be removed/deleted : XXXXXXXX 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. I have also led a CFPB compliant as well.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-06 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:
Dear Sir/Madam, I am contacting you regarding my Equifax credit report, which I reviewed and found several discrepancies. I am requesting that the following negative information be investigated and corrected : 1. XXXX XXXX Charge-Off o Balance : {$250.00} o Account Status : Charge-Off o I dispute this charge-off status and request verification. If not verified, please delete this account from my credit report. 
2. XXXX XXXX XXXX Collection Account o Balance : {$560.00} o I request that you verify this collection account. If it can not be substantiated, it should be r emoved. 3. Late Payments on XXXX XXXX o I have noted multiple late payments on this account, including 30 days past due and 90 days past due. These late payments need to be verified. If you can not provide documentation to support the accuracy of these payments, I request their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$6800.00} XXXX XXXX XXXX Date of Inquiry XX/XX/year> XXXX  Date of Inquiry XX/XX/year> XXXX  Date of Inquiry XX/XX/year> Therefore, the following accounts must be deleted from my report immediately.

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 2025-11-06 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I am disputing the reporting of late payments on my XXXX account under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 

This account is showing inconsistent and inaccurate information across credit bureaus : Different account types ( XXXX XXXX, Mortgage, and XXXX XXXX ). 
Conflicting Date of Last Activity ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ). 
Varying late payment history between bureaus, even for the same months. 

These discrepancies make the late payment reporting unverifiable and therefore inaccurate. Under FCRA 1681i ( a ) ( 5 ) ( A ), I request that all late payment notations for this account be deleted if they can not be fully verified as accurate. 

Please conduct a reinvestigation and provide me with written confirmation of any corrections or deletions made.

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 2025-11-06 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 am disputing the reporting of late payments on my XXXX account under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 

This account is showing inconsistent and inaccurate information across credit bureaus : Different account types ( XXXX XXXX, Mortgage, and XXXX XXXX ). 
Conflicting Date of Last Activity ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ). 
Varying late payment history between bureaus, even for the same months. 

These discrepancies make the late payment reporting unverifiable and therefore inaccurate. Under FCRA 1681i ( a ) ( 5 ) ( A ), I request that all late payment notations for this account be deleted if they can not be fully verified as accurate. 

Please conduct a reinvestigation and provide me with written confirmation of any corrections or deletions made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
Sallie Mae has repeatedly contacted my co-signer using a spoofed caller ID that displays my personal cell phone number and my name. This has happened more than five times. This is causing my co-signer to ignore my calls because they believe I am Sallie Mae attempting to deceive them. This creates a safety risk because my co-signer may not pick up during a real emergency.

I understand that Sallie Mae has the right to contact the co-signer about the loan. However, they do not have the right to misrepresent their identity or use my personal phone number to call another party. This is deceptive and misleading.

I am requesting immediate investigation and for Sallie Mae to stop using my personal phone number as caller ID when calling my co-signer, and to communicate with both of us only through our correct listed phone numbers, without spoofing or caller ID manipulation.

This practice has created a risk that my family may not answer during a medical or emergency situation because they believe the call is deceptive. This is dangerous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I respectfully request a thorough investigation into the accuracy of the reported charge-off status for this account. Please provide documentation verifying that this account is being reported correctly, including all relevant details related to the charge-off. If this account can not be properly verified in accordance with FCRA guidelines, I request that it be promptly removed from my credit report. 

Charged Off Accounts : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1200.00} Late Payments : XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-11-06 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 submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) in regard to discrepancies on my credit reports. I have reviewed my credit files from the three major credit bureausXXXX  Experian, and XXXXand have found inaccurate and incomplete information. Specifically, I am disputing the charged-off status and late payment entries that are being incorrectly reported by the following accounts. 


Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Current Balance : {$0.00} Dispute Reason : I dispute the accuracy of this charged-off account, as the reporting may be incomplete or outdated. Please investigate this entry to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Late Payment Accounts : XXXX XXXX XXXX  Account Number : XXXX Dispute Reason : This account shows a late payment that may not accurately reflect my payment history. I request that this entry be verified, and if it can not be substantiated, that it 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
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I am formally requesting the removal and permanent deletion of the account associated with XXXX account number : XXXX from all credit reporting and internal records. This account has been paid in full and should no longer reflect any late or delinquent status. Continued reporting of this account as late or open after payment is inaccurate and misleading, constituting an error under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). As you are unable to provide verifiable documentation confirming the accuracy of the current reporting,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: OH

Complaint narrative:
On XXXX XXXX I reported that the loan company Wilshire Commercial Capital illegally gave my personal information without my consent to a collections company when they closed my account by them on XX/XX/XXXX and the collections account was resolved plus removed from my credit report. Wilshire then illegally re-aged my account, reporting that I had opened an account with them in XX/XX/XXXX which is impossible. I then disputed that on XX/XX/XXXX, and it was resolved XX/XX/XXXX. The creditor has rereported it with an impossible open date of XX/XX/XXXX again, on XX/XX/XXXX ( the same day I submitted a dispute ) to TransUnion even though the account was closed in XXXX. This is inaccurate and appears to be reaging. Please investigate and require permanent correction. They are also not responding to my requests for dispute through XXXX, leaving me no choice but to report their illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CBC Companies, Inc.
State: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
My accounts were consistently payed! I possess an excellent payment record, and all payments were arranged on autopay. The transaction was handled incorrectly on their side, which is the reason for this late payment being reported.

I request the update of the reported late payment.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On Tuesday XXXX XXXX, XXXX, I went to the Wells Fargo Branch on XXXX XXXX XXXX In XXXX, XXXX to deposit a check, in the amount of {$3600.00}. The check was made payable to me from XXXX XXXX XXXX, XXXX. The receipt said {$400.00} was Immediately available but the balance would not be available until the next day. When I checked to see if the deposit was credited it was not in my account. I called and talked to a teller around XXXX. She told me I would have to come into the branch. From my receipt, I realized the account number was wrong. I spent over an hour trying to get the problem reversed, as the money had inadvertently put the money in another customer 's account. I left after filing a claim. They informed me it would be in my account in 2 to 10 business days, but they would try to expedite my case.

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