vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I assert that the false late payment remarks on my accounts violate 15 USC 1666. I have consistently made my payments on time, and these reporting errors are both unjust and unlawful.

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Community Health Investment Company, LLC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX Subject : Request for Investigation and Verification of Reported Debt with two Credit Bureaus Dear CFPB,. I am requesting that the Consumer Financial Protection Bureau investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ) and ensure the credit reporting agencies fulfill their legal obligations. The item I am disputing is as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX I am formally requesting the following documentation be provided : The original signed contract or agreement bearing my signature showing that I have a legal obligation to this debt. Validation of the debt, including a full itemization of the alleged balance and how the amount was calculated. Proof of ownership, showing that the current entity reporting this debt has the legal right to collect or report this debt. Chain of assignment or transfer, including all documents showing the lawful transfer from the original creditor to any subsequent parties. Bill of sale or purchase agreement, confirming the sale or assignment of the debt to the current reporting party. Despite previous attempts to obtain this information directly from the credit reporting agencies and/or the data furnisher, the requested documentation has not been provided. Reporting an account without proper verification and documentation violates my rights under federal law. Please review this matter and compel the credit bureaus to either : Produce the requested documentation as proof of legal reporting, I appreciate your attention to this matter and request that you keep me informed of the progress of this investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
I obtained my LexisNexis XXXX XXXX  credit report online. There were Tax Liens from XXXX XXXX Recorder of Deeds, and XXXX XXXX Bankruptcy XXXX items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

XXXX XXXX Recorder of Deeds and the Bankruptcy XXXX have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the XXXX XXXX XXXX system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to XXXX XXXX Recorder of Deeds and XXXX XXXX Bankruptcy XXXX confirmed LexisNexis XXXX XXXX has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.

Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
I am filing this complaint under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, because Equifax is inaccurately reporting a 30-day late payment on my XXXX XXXX XXXX account ( XXXX XXXX XXXX XXXX XXXX XXXX  ) in XXXX, while both XXXX  and XXXX  correctly show no late payments for the same period. This inconsistency proves that Equifax is maintaining inaccurate, incomplete, and unverifiable information, in violation of the FCRAs accuracy requirement. In addition, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ), creditors are required to maintain and transmit accurate records of payment history, and under the CARES Act, Section 4021, during the XXXX emergency period, any account in forbearance, deferment, or accommodation could not legally be reported as late. I am attaching supporting documents, including my ID, proof of residence, and a payment history comparison showing that XXXX and XXXX  both report this account as current

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
This company is reporting my balance incorrectly and making false claims regarding my balance and reporting. 

I took out a loan for {$25000.00} XX/XX/XXXX, and made the first payment XXXX ( XXXX principal XXXX XXXXXXXX interest ) before the due date in XXXX which brought my balance to XXXX. 

The company is reporting that my balance is {$25000.00} and is refusing to correct it and continues to report incorrectly. 

After my next XXXX payment of XXXX, they are now stating my balance is {$25000.00}. 
I made a formal dispute and asked for acknowledgement of this dispute in writing and was refused multiple times. The only response is that they will submit an " escalation ''

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 2025-09-02 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: FL

Complaint narrative:
The following disputed accounts are in the amount of {$980.00} opened on XXXX, XXXX  and amount of {$760.00} on XX/XX/XXXX. 
To : EXPERIAN Re : Formal Dispute of Charge-Off Account Reporting Dear EXPERIAN, I am writing to formally dispute the reporting of charge-off accounts appearing on my credit file. This dispute is made pursuant to 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. The following charge-off account ( s ) require immediate investigation : 1. XXXX XXXX XXXX XXXX XXXX. 2. XXXX XXXX XXXX Reporting Issue : Improper charge-off reporting Under the FCRA : Credit bureaus must ensure maximum possible accuracy of credit files ( 1681e ( b ) ). If a consumer disputes an entry, a reasonable reinvestigation must be completed within 30 days ( 1681i ). Any information that can not be verified must be deleted or corrected immediately ( 1681i ( a ) ( 5 ) ). Regarding Charge-Off Reporting : A charge-off is considered a one-time accounting action by the creditor. Continuous or duplicate reporting of a charge-off by multiple agencies may constitute inaccurate or misleading reporting under the FCRA. Accounts that are sold, settled, or beyond the statute of limitations must not continue to be reported as active charge-offs. Under the FDCPA ( if a debt collector is involved ) : Collectors must provide validation of the debt upon request ( 1692g ). Continuing to report or attempt to collect on a disputed, unverified, or obsolete charge-off violates 1692e ( false/misleading representations ) and 1692f ( unfair practices ). Accordingly, I demand that you : 1. Investigate and verify the legitimacy of the charge-off reporting. 2. Provide complete validation of the alleged debt, including original creditor, balance calculations, and documentation supporting the charge-off status. 3. Delete or correct any charge-off accounts that are inaccurate, unverified, obsolete, duplicated, or improperly reported. Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office, as well as the pursuit of all available legal remedies. This notice is sent in good faith and with the expectation that you will honor my rights under federal law. Sincerely, XXXX 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 2025-09-02 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: WA

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

1681c2 ) that you, the TransUnion 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 Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} 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, XXXX as proof from the XXXX 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 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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
On XXXXXXXX XXXX,2025 I purchased a night 's hotel stay at XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  for a total of {$220.00}. This was purchased through XXXX third party travels through Sofi bank debit XXXX XXXX. Hotel was supposed to have a working hot tub as well an many other necessary electrical/utility appliances that did not work as well. Tried to get a different room that night could not. Tried to issue a refund through third party XXXX as we did not end up staying at the hotel due to the dismissal of appropriate room services promised. We resided to stay with nearby family member. XXXX could not issue us a refund due to not being ablet to reach the hotel in which I originally tried to reach out to the hotel myself. There was no luck in getting contact with the hotel of issuing a refund in which I then proceed to get my money back through Sofi. I provided Sofi bank sufficient evidence pertaining to the dispute including evidence of all contacted parties regarding the charge in which no parties involved in the charge could not help out. I been waiting since XXXX to hear from Sofi on behalf of dispute # XXXX. Sofi has been ignoring this matter and has not given me an update on behalf of this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am reporting inaccurate and fraudulent information on my credit report. There are two Capital One accounts being reported in my name that I did not open. one opened in XXXX of XXXX and one in XX/XX/XXXX that i have no knowledge of! I am not the owner of these accounts and have never applied for or opened a Capital One credit card. 

I have only ever been listed as an authorized user on a different Capital One account that is in good standing and current. These other two accounts listed above are not connected to me, and I am not responsible for them.

I have already filed disputes with all three credit bureaus XXXX XXXX XXXX and XXXX  ), but the accounts have not been removed. I also contacted Capital One to notify them that these accounts are fraudulent or misattributed to me, and provided supporting documentation, but have not received a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: KS

Complaint narrative:
They have paid out 4 policies after I cancelled XXXX. XXXX raised their premium by almost double. I notified Freedom Mortgage I was changing insurances. Once I had a policy with XXXX they were notified XXXX  was cancelled and insurance changed. They still sent a payment to XXXX. Then they sent one to XXXX. XXXX dropped me because of my XXXX shepherd and I changed to Kansas XXXX. They were told to not send a payment to XXXX or XXXX  XXXX. They sent them anyway. I was using an insurance agent to handle everything and the first policy is paid by the agent then they are reimbursed. They sent a payment to Kansas XXXX on XXXX and then sent another one on XXXX. The XXXX payment is not showing as having been put back in my account and they are trying to raise my payment to account for all of these payments they have sent out. At one point the payment was over XXXX dollars higher. Most of the money has been accounted for except for XXXX  XXXX and they are trying to tell me its all there. I asked for an escrow statement but they wont send it to me.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im submitting a complaint regarding personal information that Experian is reporting on my credit file. Several details being shown are either outdated, inaccurate, or simply not mine. This includes old addresses, incorrect employer information, and name variations that do not reflect my legal name.

The inaccurate name variations being reported are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My correct legal name is : XXXX XXXX XXXX .

Experian is also showing old or incorrect addresses that should no longer be tied to my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only correct and current address is : XXXX XXXX XXXX XXXX XXXX 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 2025-09-02 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: TX

Complaint narrative:
I am an active-duty servicemember, and my credit report is showing inaccurate late payment entries for the following account : Creditor/Furnisher : XXXX XXXX Account Number XXXX XXXX I was never late on this account. Despite my prior disputes, XXXX XXXX and the credit bureau continue to report late payments without providing proper evidence or verification. Instead, I only received automated template responses, which do not satisfy the requirements of the law.

This reporting violates : 15 U.S.C. 1666b, which prohibits a creditor from reporting a payment as late unless billing statements were mailed or delivered at least 21 days before the due date. No such compliance has been demonstrated.

15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

15 U.S.C. 1681i, which requires that if information can not be verified, it must be deleted within the reinvestigation period. More than 30 days have passed, and the inaccurate late payments remain. 

The continued reporting of these false late payments is damaging my credit and restricting my access to essential credit opportunities. This situation is especially harmful given my status as an active-duty military servicemember, which requires urgent correction.

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 2025-09-02 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:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXX XXXX Account not mine

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 2025-09-02 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
I am extremely frustrated to see that unauthorized inquiry is still appearing on my credit report today, and I can not understand why they havent been removed. Even after refreshing my browser, the issue remains unresolved. I need you to carefully review the documents I submitted so this problem can finally be fixed once and for all.

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 2025-09-02 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:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX Account not mine XXXXXXXX XXXX XXXX XXXX Account not mine

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