vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: CT

Complaint narrative:
I am filing this complaint because my XXXX XXXX XXXX XXXX XXXX, has reported multiple student loan delinquencies to the credit bureaus despite my loans being placed in administrative forbearance due to a XXXX XXXX consolidation process. 

I received an official letter from XXXX dated XX/XX/XXXX, stating that my loans were in forbearance while my consolidation is being processed. This letter also confirmed that an administrative forbearance had been applied to bring my account current. Nevertheless, I received XXXX new delinquent account notifications from the credit bureaus, resulting in a drop of my credit score from approximately XXXX to XXXX. This happened on XX/XX/XXXX so 6 days after my forbearance letter. 

These delinquencies were reported after the forbearance had been initiated, which I believe constitutes either a misreporting or a failure to update the credit reporting agencies properly. 

I have attempted to contact XXXX and am submitting a goodwill removal request. However, given the severity of the impact to my credit profile and the timing of the reporting during active forbearance, I am requesting the CFPB 's assistance in ensuring : The removal or correction of all inaccurately reported late payments from my credit history. 

Confirmation from XXXX that forbearance was properly applied to all of my loans. 

Assurance that my credit profile is restored to reflect timely payments during this consolidation period. 

I am attaching a copy of the XXXX forbearance notice for reference. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-14 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: TX

Complaint narrative:
These inquiries appear to be permitted, and I don't recognize them. I respectfully ask that this matter be resolved as soon as possible. Additional details can be found in the documents that are attached.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Central Portfolio Control Inc. has contacted me over 40 times, by phone ( XXXX ), about a debt collection for an individual named XXXX. I have explained to them multiple times by phone that I have owned this phone number for XXXX years and I don't know XXXX, have never even know anybody by that name. I have asked them to remove my phone number but they continue to contact me after multiple attempts with asking them to stop. This has been going on for well over a year. They have now resorted to not only calling me but texting my number. They call doing work hours, after work hours, and late into the evening. At this point I have exhausted all measures to get them to remove my information from whatever collection database they are using. I have no outstanding debt with any creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
Please delete this unauthorized account from my credit report, as it is not associated with me. I also request a prompt investigation to identify and correct any other errors.

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 2025-05-14 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: SC

Complaint narrative:
Account showring for # XXXX from XXXX XXXX XXXX and I have no knowledge of this account and or is fraud and is not mine needs to be removed immediately. 
Creditor said its a medical bill from XXXX which I have no knowledge of as well is medical and under XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
In XXXX of XXXX I was approved for 12 months forbearance. On XX/XX/XXXX I received notification that I have 6 accounts that are 120+ days late. I called on XX/XX/XXXX and they told me they made a mistake and didn't put my end date into the system for the forbearance. They took ownership of the mistakes and retro activated my forbearance from back in XXXX. However, they have still not reported to removed the 6 late payment remarks from my credit. I have called every 30 days once in XXXX, XXXX, and again on the XXXX of this month, XXXX. I was put on hold and hung up on and got nowhere. Please help as this mistake affected and dropped my credit score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. Someone has opened some car loans, personal loans and a credit card. Ive never gave anyone permission or authorization to open these accounts. This is really affecting my ability to obtain credit of take care of my family the way im supposed to. I cant get the dream job i want so all these negative things have set me back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

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 2025-05-14 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: OH

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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 non-monetary relief
Consumer complaint received 2025-05-14 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:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in to be removed.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
This morning, I discovered some incorrect accounts on my credit report, and Im unsure of the reason. I checked my report like I normally do, but unexpected discrepancies appeared. I even refreshed my browser thinking it might be a temporary issue, but the incorrect information remained. Due to this, Im requesting a careful review of the documents I submitted to prevent this from happening again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bounce AI, Inc.
State: SC

Complaint narrative:
Account Bunce AI inc # XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-14 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: MO

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: AZ

Complaint narrative:
I am disputing the inaccurate reporting of XXXX collection/charge-off accounts on my Experian credit report. These include XXXX XXXX XXXX ( Account Number : XXXX ) with a balance of {$3000.00} and XXXX XXXX ( Account Number : XXXX ) with a balance of {$220.00}. These accounts have been listed without proper verification, raising serious concerns about the accuracy and completeness of my credit file. Given the sensitive nature of my financial data, this misinformation could be the result of a data breach, potentially compromising the integrity of my personal information and financial reputation. These inaccuracies can significantly harm my credit standing, restrict my access to fair financial opportunities, and cause unnecessary financial distress. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681n, 15 U.S.C. 1681c ( 2 ), and 15 U.S.C. 1692g ), Experian is legally required to ensure that all reported information is accurate, complete, and fully verified. Reporting inaccurate collection or charge-off accounts without proper validation violates these federal protections, exposing the bureau to potential liability for statutory and punitive damages. Ignoring these requirements is a clear violation of federal law, which must be addressed 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 2025-05-14 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: AZ

Complaint narrative:
I am disputing the inaccurate reporting of a collection/charge-off account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with a balance of {$220.00} on my Equifax credit report. This account has been listed without proper verification, raising serious concerns about the accuracy and completeness of my credit file. Given the sensitive nature of my financial data, this misinformation could be the result of a data breach, potentially compromising the integrity of my personal information and financial reputation. This kind of careless reporting can severely damage my credit standing, unfairly restrict my access to financial opportunities, and cause unnecessary financial harm. 

Additionally, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifax 's failure to conduct proper investigations, violating its obligations under the FCRA. Specifically, the CFPB lawsuit alleges that Equifax engaged in sham investigations, failing to meet its obligations under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), which requires a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any inaccurate, incomplete, or unverifiable information must be promptly deleted or corrected. Ignoring these requirements is a direct violation of federal law, exposing Equifax to significant liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I disputed an auto loan account from Capital One Auto Finance being inaccurately reported to XXXX. The account shows a last payment date of XX/XX/year>, even though it was closed in XX/XX/year>. Also, the account is charged off despite no history of XXXX or XXXX day delinquencies, which is inconsistent with industry standards for auto loans. XXXX verified the account, but the inconsistencies remain and may reflect illegal re-aging. Im requesting that Capital One provide documentation or correct/remove the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
This morning, I discovered incorrect accounts appearing on my credit report, and Im unsure of the reason behind it. I reviewed my report like I normally do, but unexpected discrepancies showed up. I even refreshed my browser to rule out a technical issue, but the errors remained. Given this, Im requesting a detailed review of the documents I submitted to prevent this issue from recurring.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I was double billed XXXX dollars on XX/XX/XXXX. I called them to inform them I was doubled billed. I was assured that it would be fine and they would refund my account. I told them the second bill will bounce back. They assured me nothing would happen and it would be fine. Well I called back on the XXXX to insure that my account was in good standing and nothing to worry about. They closed my account on the XXXX because the second payment bounced back like I informed them it would. They said there's nothing they can do it was their system. I informed them I did what I was supposed to do. It was a glitch in their system and they closed my account. They agreed it was their fault and that I did everything I was supposed to do but it was their system.

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