vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
On XX/XX/2025, I discovered multiple fraudulent accounts on my credit report that were opened without my knowledge or authorization. I filed FTC Identity Theft Report # XXXX and a police report with the XXXX XXXX XXXX XXXX XXXX ( Temp Case # XXXX ). I have provided all documentation required under FCRA 605B and FACTA requesting these fraudulent accounts be blocked. These accounts are the result of identity theft, not my financial behavior. Any negative information related to them is inaccurate and should not be considered in evaluating my creditworthiness.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
We've been in direct contact with my lender, and as of now, they have approved a payment arrangement for {$5200.00} due by XX/XX/year>. Making this payment will update your mortgage due date to XX/XX/year>, with ongoing monthly payments of {$1500.00} thereafter. 

We also submitted an appeal letter on your behalf ; however, it was denied. The lender stated that they previously offered you a forbearance twiceonce in XXXX and again later in the year. Due to this, they are not offering any additional loss mitigation options at this time. 

I can not afford to pay the {$5200.00} due by XX/XX/XXXX 9

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and in accordance with 15 U.S. Code 1681b Permissible purposes of consumer reports, which governs the legal access and use of consumer credit information. 

I believe that EXPERIAN, XXXX, and TRANSUNION are currently in violation of the FCRA due to the inaccurate reporting of late payments on my consumer credit report. These derogatory marks are not only erroneous, but they also negatively impact my creditworthiness and financial stability. 

The FCRA mandates that consumer reporting agencies maintain the accuracy, fairness, and privacy of information in the files of consumers. According to 15 U.S. Code 1681b, a consumer report may only be provided for certain permissible purposes, and any use or distribution of inaccurate or unverifiable dataespecially without a valid permissible purposecan constitute a violation. 

The current reporting of these late payments is inaccurate and appears to be inconsistent with the standards and protections afforded to consumers under the FCRA. If such information was reported without proper validation or outside of the scope of permissible purpose, this represents a serious breach 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 2025-09-23 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ AM XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
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 2025-09-23 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: NV

Complaint narrative:
I am submitting this formal complaint regarding the continued reporting of inaccurate, incomplete, and unverified information by EQUIFAX on multiple accounts. These errors constitute clear violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ), 1681i, and 1681s-2, which require consumer reporting agencies to ensure maximum possible accuracy and to remove unverifiable or erroneous data upon dispute. Additionally, these practices violate Nevada Revised Statutes ( XXXX ), including XXXX, XXXX, XXXX, and XXXX, which prohibit deceptive trade practices and the furnishing of false or misleading credit information. 

The following accounts are in dispute : XXXX XXXXXXXX Reported as open mortgage with a balance of {$470000.00} and XXXX late XX/XX/XXXX. No substantiating documentation has been provided, rendering this entry inaccurate and misleading. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX open credit card with a balance of {$1000.00} and XXXX late XX/XX/XXXX. This late payment is unverifiable and remains improperly listed. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX open credit card with multiple XXXX late payments in XXXX and XXXX. These derogatories are excessive, unsupported, and violate accuracy standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Reported as collection with a balance of {$2000.00}. This account has not been validated or properly verified. 

XXXXXXXX XXXX XXXXXXXX XXXX Reported as closed mortgage with {$0.00} balance and XXXX late XX/XX/XXXX. Reporting derogatories on a closed account is inaccurate and misleading. 

XXXX XXXX XXXX Reported as closed/charged off with balance {$3500.00}. XXXX status has not been verified, violating the FCRAs reinvestigation requirement. 

XXXX XXXX XXXX XXXX Reported as closed auto with multiple XXXX lates in XXXX and XXXX. These lates are unsubstantiated and harmful to my credit profile. 

XXXXXXXX XXXX XXXXXXXX XXXX Reported as closed credit card charged off with balance {$520.00}. The chargeoff status remains unverified. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Reported as closed collection with balance {$370.00}. This account has not been validated with proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX * * Subject : Request for Investigation and Removal of Inaccurate Late Payments on XXXX XXXX XXXX * * Dear CFPB Representative, I am writing to formally dispute the inaccurate reporting of late payments associated with my XXXX XXXX XXXX. This issue has substantially impacted my credit report, and I believe it violates my rights under * * 15 U.S.C. 1681a * *, which defines consumer rights regarding credit reporting, and * * 15 U.S.C. 1666b * *, which stipulates that creditors must accurately report information regarding account payments. 
Despite fulfilling my payment obligations on time, my credit report inaccurately reflects several late payments for this account. As specified under * * 15 U.S.C. 1681i * *, I have the right to dispute information in my credit report, and the credit reporting agency is required to investigate the items in question. In addition, under * * 15 U.S.C. 1666a * *, consumers are entitled to accurate account information from creditors, which directly relates to the impact of any reported late payments on my creditworthiness. 
I kindly request that the Consumer Financial Protection Bureau initiate an investigation into the inaccurate reporting of late payments regarding my XXXX XXXX loan. It is imperative that these erroneous entries be corrected and removed from my credit report to ensure compliance with federal laws that protect consumers from unfair and inaccurate credit reporting practices. 
I am ready to provide all necessary documentation, including payment history, correspondence with XXXX XXXX, and any additional materials that will assist in resolving this matter swiftly. The removal of these late payment entries is not only justified but necessary to uphold the integrity of my credit report. 
Thank you for your attention to this matter. I look forward to your prompt response and a resolution that ensures my rights as a consumer are protected. 
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 non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I am writing to dispute the late payment currently reflected on my credit report. This entry is inaccurate and does not accurately represent my payment history, which has been consistently on time. Allowing it to remain is misleading and damaging.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and in accordance with 15 U.S. Code 1681b Permissible purposes of consumer reports, which governs the legal access and use of consumer credit information. 

I believe that EXPERIAN, EQUIFAX, and TRANSUNION are currently in violation of the FCRA due to the inaccurate reporting of late payments on my consumer credit report. These derogatory marks are not only erroneous, but they also negatively impact my creditworthiness and financial stability. 

The FCRA mandates that consumer reporting agencies maintain the accuracy, fairness, and privacy of information in the files of consumers. According to 15 U.S. Code 1681b, a consumer report may only be provided for certain permissible purposes, and any use or distribution of inaccurate or unverifiable dataespecially without a valid permissible purposecan constitute a violation. 

The current reporting of these late payments is inaccurate and appears to be inconsistent with the standards and protections afforded to consumers under the FCRA. If such information was reported without proper validation or outside of the scope of permissible purpose, this represents a serious breach of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and in accordance with 15 U.S. Code 1681b Permissible purposes of consumer reports, which governs the legal access and use of consumer credit information. 

I believe that EXPERIAN, EQUIFAX, and TRANSUNION are currently in violation of the FCRA due to the inaccurate reporting of late payments on my consumer credit report. These derogatory marks are not only erroneous, but they also negatively impact my creditworthiness and financial stability. 

The FCRA mandates that consumer reporting agencies maintain the accuracy, fairness, and privacy of information in the files of consumers. According to 15 U.S. Code 1681b, a consumer report may only be provided for certain permissible purposes, and any use or distribution of inaccurate or unverifiable dataespecially without a valid permissible purposecan constitute a violation. 

The current reporting of these late payments is inaccurate and appears to be inconsistent with the standards and protections afforded to consumers under the FCRA. If such information was reported without proper validation or outside of the scope of permissible purpose, this represents a serious breach 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 non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I bought counter top from XXXX back in 2023 for {$2000.00}. The counter top wasnt installed and a refund issued XX/XX/year>. 
Now Ive been contacted by midland collection agency that I owe {$2200.00}. After much back and forth they refused to rescind this debt, I guess because they bought it from corrupt XXXX. 
Now Im being sued by midland collection company, could you please look into this matter for me. 
For more information, please do not hesitate to contact me. Thank you very much indeed have a great day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
All time are in XXXX. 
On XX/XX/XXXX, I want to know the status of a collection account in Transunion. 
That afternoon XXXX, an agent submitted an erroneous dispute request ( XXXX request ) WITHOUT MY PERMISSION via online chatting. 
I asked an agent cancel that request that day XXXX via online chatting. 
At XXXX, I submitted a correct dispute request ( XXXX request ) online in its official webpage. 

On XX/XX/XXXX, I was noted via email that my XXXX request was CANCELLED by the SYSTEM due to the cancellation of the XXXX request. 

On XX/XX/XXXX, I contacted the first agent via online chatting who says dispute system malfunctioned and need to wait for XXXX hours. 

XXXX hours later, I contacted the second agent via online chatting who asked me to submit the XXXX dispute request. I said since XX/XX/XXXX many of the dispute material will be lost soon. She said she had nothing to do. 

Their systematic errors cause dispute information lost, and time wasted, causing uncertainties in credit repairments.

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 2025-09-23 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
Victim of Data Security Breach : Equifax XXXX XXXX, XXXX, XXXX. & XXXX XXXX Violations are : XXXX. Failed to Maintain the Maximum Possible Accuracy : 15 USC 1681 ( s-2 ) b 2. Late Payments : 15 USC 1681 a2Xi 3. Permissible Purpose 15 USC 1681b I, XXXX XXXX XXXX XXXX ), declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct to the best of my knowledge, information, and belief. 

XXXX. Identity Theft and Fraudulent Reporting a. All accounts listed below were opened without my authorization, consent, or signature, either electronic or wet-ink. 
b. The data breaches exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit file. 
III. Identified Fraudulent Accounts I have personally reviewed my consumer credit report ( s ) prepared and distributed and I have identified the following fraudulently information. I will hire a lawyer due to violations. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I formally contest the reporting of unauthorized accounts under my profile. Kindly examine closely and remove them. Supporting records are enclosed.

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