vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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:
I am submitting this complaint due to severe, ongoing violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards by multiple data furnishers and credit reporting agencies, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX 
Department of Education XXXX XXXX XXXX / XXXX Key Violations Include : 1. Illegal Re-Aging of Student Loan Accounts Accounts over 7 years old ( opened in XXXX and XXXX ) are being re-aged and reported as current, violating FCRA 605 ( a ). 
Conflicting account statuses such as open, closed, deferred, or paid are being simultaneously reported across all three bureaus. 
2. Charge-Offs with Active Balances & IRS 1099C Violations Accounts like XXXX XXXX were charged off yet still reflect a large balance and " profit/loss '' write-off without providing a 1099-C. This not only violates FCRA 1681e ( b ) and Metro 2 but also raises potential IRS fraud concerns.

3. False Eviction Reporting XXXX XXXX XXXX reported an eviction account after court documentation clearly stated it was not to be furnished. Additionally, they falsely inflated the balance by including an extra month of rent. This is a direct violation of : FCRA 1681 FCRA 1681s-2 ( a ) ( 3 ) FCRA 1681e ( b ) FDCPA Retaliation and Misrepresentation Laws 4. Metro 2 and FCRA Discrepancies Across All Reports There are mismatched addresses, payment histories, and account types reported by the same furnishers across different bureaus. For instance, XXXX and XXXXXXXX XXXX are reported as open, closed, secured card, and collection depending on which bureau you look atcreating confusion and negatively impacting my credit profile. 
5. Lack of Verification and Proof of Ownership None of the furnishers have provided any documentation to validate these accounts as required under FCRA 609 ( a ) ( 1 ) and FCRA 604.

6. Failure of the Credit Bureaus to Properly Investigate Despite being previously disputed, the credit reporting agencies have failed to conduct a reasonable investigation, in direct violation of FCRA 1681i ( a ) and the CFPB 's guidelines on dispute handling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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:
I am submitting this complaint due to severe, ongoing violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards by multiple data furnishers and credit reporting agencies, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX 
Department of Education XXXX XXXX XXXX / XXXX Key Violations Include : 1. Illegal Re-Aging of Student Loan Accounts Accounts over 7 years old ( opened in XXXX and XXXX ) are being re-aged and reported as current, violating FCRA 605 ( a ). 
Conflicting account statuses such as open, closed, deferred, or paid are being simultaneously reported across all three bureaus. 
2. Charge-Offs with Active Balances & IRS 1099C Violations Accounts like XXXX XXXX were charged off yet still reflect a large balance and " profit/loss '' write-off without providing a 1099-C. This not only violates FCRA 1681e ( b ) and Metro 2 but also raises potential IRS fraud concerns.

3. False Eviction Reporting XXXX XXXX XXXX reported an eviction account after court documentation clearly stated it was not to be furnished. Additionally, they falsely inflated the balance by including an extra month of rent. This is a direct violation of : FCRA 1681 FCRA 1681s-2 ( a ) ( 3 ) FCRA 1681e ( b ) FDCPA Retaliation and Misrepresentation Laws 4. Metro 2 and FCRA Discrepancies Across All Reports There are mismatched addresses, payment histories, and account types reported by the same furnishers across different bureaus. For instance, XXXX and XXXXXXXX XXXX are reported as open, closed, secured card, and collection depending on which bureau you look atcreating confusion and negatively impacting my credit profile. 
5. Lack of Verification and Proof of Ownership None of the furnishers have provided any documentation to validate these accounts as required under FCRA 609 ( a ) ( 1 ) and FCRA 604.

6. Failure of the Credit Bureaus to Properly Investigate Despite being previously disputed, the credit reporting agencies have failed to conduct a reasonable investigation, in direct violation of FCRA 1681i ( a ) and the CFPB 's guidelines on dispute handling.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
) I am submitting a formal dispute under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance guidelines regarding the unauthorized and inaccurate reporting of a child support obligation on my consumer file.

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 2025-04-24 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency.

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft.

Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that wese opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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 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 2025-04-25 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit report
ing agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have made many attempts to reaffirm, modify and ask for assistance with US Bank Mortgage XXXX in order to save my home after filing XXXX XXXX XXXX US Bank has not tried to assist my situation under the XXXX XXXX. They have continued to only offer a deferral which increased my mortgage, no accommodations as a protected XXXX under federal regulations. There was a modification done in XXXX which was approved before I had to file XXXX XXXX XXXX XXXX XXXX of XXXX, which tacked on an additional $ XXXX for the investor approval. After the Bankruptcy discharge on XX/XX/XXXX, I again called US Bank requesting assistance to reaffirm the loan with Modifications. I was repeatedly told I had to abide by their debt obligations without any assistance under XXXX laws. I have spoken to several representatives at US Bank, and not one has asked what my current financial situation is after bankruptcy in order to assist in financial hardship to retain the home. US Bank is a Financial Bully and is not assisting XXXX 's under the Consumer Financial Protection Bureau ( CFPB ). US Bank does not treat the XXXX fairly. US Bank Mortgage is a XXXX Collector and is NOT helping Americans save their homes.

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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for a Capital One credit card last year and was approved. I made a few purchases in XXXX of XXXX. However, Ive made several attempts to access to my account and have been unsuccessful since XX/XX/XXXX. It is now Thursday, XXXX, XXXX, and until now, Capital One has refused to give me access to my account and continues to lie about their willingness to help. Ive made up three phone calls each month from XX/XX/XXXX till today in attempts to have Capital One help me gain access to my account. These phone calls take about 2 hours or longer. They refuse to accept my payment over the phone bc they claim they can not take information or their computers wont take my information for me to make a payment. I asked them to waive the late fees and update the credit bureaus because being punished and reporting this to the credit bureaus isnt my fault, but theyve refused to help me. This is my last hope in getting this situated other than getting a lawyer. I do not have access to my account there for the attachments on this form two attachments of an email Capital one send me. I can not send a statement bc I have no access to log in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/year> I was victim of identify theft and proceeded to freeze my credit with all 3 bureaus. Experian said that I would receive a code in the mail for the future to unfreeze my credit but I never did. This year I tried to unfreeze my credit to apply for a mortgage and for Experian I must create an account. When I tried to create an account they have a verification code that is being sent to a telephone number or email address that are both not mine, most likely associated with the individual who stole my credit. The website says to then call, which takes you to an automated system that asked for the pin that I never received. Ive then tried requesting my credit report but when I go to the annual credit report website experian refuses to provide me with my report online. It made me print out a form and mail it with XXXX forms of Id which I did XXXX weeks ago. I had yet to receive my report, and when I called back again they denied ever receiving my request in the mail. There is currently no way for me to obtain or correct faulty information on my experian report now due to their negligence

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 2025-04-24 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: FL

Complaint narrative:
Ive reached out to all three credit bureaus that the addresses listed on my credit report are incorrect, I have provided proof on numerous occasions of my license and proof of address but nothing was done. I ask that an investigation be opened so inaccurate information be removed from my credit report before I purchase my home

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 2025-04-24 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: MD

Complaint narrative:
XXXX XXXX is inaccurately reporting a charge-off account to Experian under account number XXXX XXXX XXXX XXXX XXXX with a XXXX balance. I became aware of this during a routine review of my credit report. This account is being reported as charged off despite having a zero balance, which makes the reporting both inaccurate and misleading. I disputed this information directly with the credit bureau, requesting proper verification in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). However, the item was verified without providing any substantiating documentation such as a signed contract or billing records. This failure to adequately verify the account constitutes noncompliance with 15 U.S.C. 1681s-2 ( b ), which requires data furnishers to investigate and correct or remove any inaccurate or unverifiable information. Experians continued reporting of this charge-off despite the absence of verifiable proof has resulted in unfair damage to 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 2025-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Apple Card credit card was open in my name XXXX XXXX but I wasnt even XXXX XXXX XXXX yet. The credit card usage is at 90 % and I was seeing recent usage of the card again 24 days ago. I never authorized usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Auto Loan account opened at XXXX XXXX on XX/XX/XXXX Auto Loan account opened at XXXX XXXX on XX/XX/XXXX Personal Loan account opened at XXXX on XX/XX/XXXX Personal Loan account opened at XXXX  on XX/XX/XXXX Auto Loan account opened at XXXX XXXX on XX/XX/XXXX XXXX as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

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 2025-04-24 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: GA

Complaint narrative:
I have updated my name to the correct name of XXXX XXXX as it appears on my drivers license and social security card. They have updated it and then charged it back to the incorrect name. I have disputed XXXX account with them as well that display incorrect information. They have yet to delete these accounts

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have updated my name to the correct name of XXXX XXXX as it appears on my drivers license and social security card. They have updated it and then charged it back to the incorrect name. I have disputed XXXX account with them as well that display incorrect information. They have yet to delete these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation