vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
I recently reviewed my credit reports and found multiple accounts and inquiries being reported inaccurately. Several accounts are showing incorrect balances, inconsistent dates of first delinquency, and in some cases duplicate reporting of the same debt. A number of charged-off and collection accounts are being updated with misleading or unverifiable information, including continued reporting of past-due amounts after the accounts were closed. Some tradelines appear to have been re-aged to remain on my report longer than legally allowed. In addition, there are hard inquiries that I did not authorize, and no documentation has been provided to show a permissible purpose for them. Despite prior disputes, the companies involved have failed to correct or remove these inaccuracies, and they continue to negatively affect my credit profile.

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 2025-08-13 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: NJ

Complaint narrative:
I recently reviewed my credit reports and found multiple accounts and inquiries being reported inaccurately. Several accounts are showing incorrect balances, inconsistent dates of first delinquency, and in some cases duplicate reporting of the same debt. A number of charged-off and collection accounts are being updated with misleading or unverifiable information, including continued reporting of past-due amounts after the accounts were closed. Some tradelines appear to have been re-aged to remain on my report longer than legally allowed. In addition, there are hard inquiries that I did not authorize, and no documentation has been provided to show a permissible purpose for them. Despite prior disputes, the companies involved have failed to correct or remove these inaccuracies, and they continue to negatively affect my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Received email stating that my account was temporarily reopen for pre existing bank drafts. And I received an email stating my check bounced. Also USAA deducted XXXX fraudulently and I still havent received my check

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 2025-08-13 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$500.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$86.00} XXXX XXXXXXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$1200.00}

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 explanation
Consumer complaint received 2025-08-13 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:
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 2025-08-13 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:
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 explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I requested a home appraisal to potentially remove the PMI from my mortgage holder, Mr. Cooper. They are refusing to provide a copy of the appraisal that they received on XX/XX/XXXX sighting that XXXX has to process it first and it could take some time. 

I formally sent them the follow : Per the Equal Credit Opportunity Act ( ECOA ) and Regulation B, I am entitled to a copy of any appraisal or valuation promptly upon completion, regardless of internal routing to Fannie Mae. I further stated that, " Regulation B requires them to provide the report " promptly upon completion, '' or no later than XXXX business days after receiving it. '' They still are denying me the report sighting their internal review process - " The review itself has not been completed, and Fannie Mae has confirmed a turn around time of 20 days. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
FINAL DEMAND FOR IMMEDIATE CREDIT REPORT CORRECTION EXPERIAN Consumer : [ Your Full Name ] 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. 

I demand same-day deletion of the following accounts and records :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Recovery Specialists, Inc.

Complaint narrative:
I am being harassed by a creditor, went to get the mail today and received the attached, I feel very threatened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-13 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: FL

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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  Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Selene Holdings LLC
State: FL

Complaint narrative:
The complaint XXXX must be reopened because Selene Finance explicitly approved my deferment in writing, instructed me to wire the reinstatement amount, and accepted my wire payment under protest ( plus {$25.00} per wire in fees ). Despite this, they kept my account in foreclosure status and refused to apply the payment a direct contradiction of their own written approval and a clear violation of basic servicing standards.

This conduct has caused ongoing harm to my business operations and credit standing. I request that the CFPB investigate why Selene accepted payment but maintained foreclosure, and compel the immediate removal of all default-related charges, including default interest that would not exist had they honored the deferment. 

Furthermore, all additional interest charges currently buried under global interest payments must be itemized and removed in full.

I request that the CFPB conduct a full investigation into Selene Finances refusal to process agreed payments, mishandling of notices, and enforcement of unlawful charges, and take all necessary actions to ensure compliance with servicing standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
Subject : XXXX XXXX XXXX Credit Bureaus and XXXX XXXX XXXX for XXXX XXXX FCRA and FDCPA To Whom It XXXX Concern, I, XXXX XXXX, am submitting this formal complaint against XXXX XXXX XXXX and the XXXX major credit bureausEquifax, XXXX XXXX XXXXand for multiple violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). 
Disputed Accounts XXXX XXXX  XXXX Account Ending in XXXX CXXXX XXXX Account Ending in XXXX XXXX Account XXXX XXXX Account Dispute History : The XXXX  XXXX accounts were disputed multiple times between XXXX and XXXX through XXXX XXXX XXXX including formal disputes to the Consumer Financial Protection Bureau XXXX XX/XX/XXXX, and XX/XX/XXXX. Despite these disputes, the accounts continue to be reported inaccurately and were allegedly sold to XXXX XXXX XXXX without proper verification or legal authority, violating consumer protection laws. 
Violations : Fair Credit Reporting Act ( FCRA ) Violations : 1. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate.

2. 1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information. 
3. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

4. 1681b Accessing or using consumer reports for impermissible purposes.

5. 1681c Reporting outdated or obsolete information. 
Fair Debt Collection Practices Act ( FDCPA ) Violations : 1. 1692e ( 8 ) Communicating or threatening to communicate false credit information.

2. 1692g ( b ) Continuing collection activities without validating the debt after dispute. 
XXXX. XXXX Engaging in conduct that harasses, oppresses, or abuses the consumer. 
Damages and Legal Action : Due to these violations, I will be seeking the following remedies if accounts are not deleted in the next 15 days. 
Compensatory Damages : Emotional distress and mental anguish caused by inaccurate reporting. 
Denial of credit and increased interest rates due to lowered credit scores. 
Statutory Damages : Up to {$1000.00} per violation under FCRA and FDCPA. 
Punitive Damages : For willful violations under FCRA 1681n, punitive damages may be awarded to deter future misconduct. 
I am currently engaging an FCRA attorney to pursue legal action regarding these violations. This includes the XXXX XXXX XXXX accounts, the XXXX  account, and the XXXX XXXX accountall of which are being reported or collected on in violation of federal 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 2025-08-13 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: KS

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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 kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been 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 non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I was unemployed and had a past due balance of {$560.00} for XX/XX/year>. I contacted XXXX to request enrollment in a hardship program, and was informed that my monthly payments would be reduced to {$420.00} for XXXX, XXXX, and XXXX. I agreed to the terms. 

As part of the arrangement, I was told I needed to pay both the past due amount and the new reduced payment for XXXX. Following the representatives instructions, I paid a total of {$990.00}. However, XXXX misapplied this payment to XXXX and XXXX, even though XXXX payment wasnt yet due. 

Since then, Ive called over XXXX times to resolve the issue. XXXX representative confirmed the adjustment would be made, another said it would be escalated and that a XXXX would follow upbut I never received a call. Despite my efforts, XXXX reported my account as 30 days late to the credit bureaus, which has severely impacted my credit and previously perfect payment history. 

XXXX reaching out because Ive exhausted all other options. My account is now 39 days past due, and it seems no one at XXXX is willing to help resolve this matter..

Company response to consumer: Closed with non-monetary relief