vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NJ

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

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2024, Balance : {$400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
XXXX has had multiple ongoing service failures that have negatively impacted my credit, caused significant emotional distress, and undermined my efforts to stay in good standing with my loans. 

Despite multiple attempts to enroll in autopay ( prior to any delinquency ), the autopay inexplicably turned off without my knowledge or consent. I was not informed of this change and received no proper notification. When I discovered the issue, I attempted to log in and resolve XXXX XXXX  website repeatedly prompted me for incorrect credential formatting ( asking for my birthdate as mm/dd/yyy when it required yyyy, with no indication ). This error locked me out of my account and made it impossible to pay the outstanding balance. 

When I contacted customer support, I was told my case would be escalated and that I would receive a callback in XXXX hours. That call never came. XXXX weeks later, I received a follow-up call promising a second escalation and an inquiry into why my auto-pay inexplicably cancelled but since then, I have not heard back. It has now been nearly XXXX months without resolution. 

As a result of their failure to process payments and communicate, my account was marked delinquent and reported to credit agencies a serious blow to my credit and financial wellbeing, despite my active efforts to resolve the issue. 

Both the XXXX and the XXXX signup links on my account homepage lead to the " XXXX XXXX XXXX '' error page screenshot you'll see below. 

I believe this servicer is failing to meet the standards required of a federal contractor. Their systems are inaccessible, confusing to navigate, their customer support is unresponsive, and their actions have caused direct financial and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
XXXX XXXX. The amount was {$12000.00}. I had drove through the XXXX XXXX  XXXX drive thru to deposit a check in the morning. The employee tried to deposit the check and minutes later said it did not go through supposibly because of insufficient funds. Then after we went inside the XXXX XXXX XXXX to see what went wrong. The employee said they had called and they got told they could not verify and also that there were insufficient funds. So we went to another XXXX XXXX XXXX and we tried to deposit the check and we got told that the employee before them did a mistake and they had also not stamped it. Therefore they said the employee from the XXXX XXXX  had made an error and she had also tried to make it seem like it was fraud. I was going to pay the owing amount from my account balance but i got told that my bank account was closed as to suppose that i was trying to do fraud. I had contacted XXXX  times to try to fix the problem but they told me i could not do anything as to the reason that the account was already in the process of being closed. I asked if i could pay it and they told me that i could not because the account was frozen. In the end i was able to cash out the check but from XXXX XXXX  since the check is originally from there and they had no problem cashing it they had also verified it completely and made sure everything was okay. But my XXXX XXXX account issue was not able to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: IL

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 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 2025-07-28 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provide
d at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
Hi, To Whom It May Concern, I am contacting you regarding fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and my personal information was compromised during the Equifax data breach.

Under the authority of 15 U.S. Code 1681c-2, I am formally requesting that you block and remove from my credit report all information that resulted from this identity theft, including any fraudulent accounts, inquiries, or collections that do not belong to me. 
As required by law, I am providing the following documentation to support my request : The following accounts were opened or affected fraudulently and must be removed immediately : XXXXXXXX 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 XXXXXX/XX/XXXX please also remove following inquiries from my Credit report immediately : XXXXXXXX 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 This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, which obligates consumer reporting agencies to block identity theft-related information within four business days of receiving the necessary documentation. 
Please confirm in writing that the fraudulent data has been blocked from my file. 


Thank you for your cooperation and immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: PA

Complaint narrative:
I had a Credit Builder loan account with MoneyLion, originally opened in XXXX. On XX/XX/XXXX, I contacted MoneyLion customer service via phone to resolve the account. The representative confirmed that the only issue was a rejected payment from XX/XX/XXXX, in the amount of {$19.00}, which prevented the loan from being marked as completed. 

On the same call, I provided my updated debit card ( ending in XXXX ) and successfully submitted the payment for {$19.00} to close the loan in full. I was told that the account was now complete and that I would receive an email confirmation. However, I never received any written confirmation of payment or settlement from MoneyLion.

Despite this, MoneyLion continues to report the account to the credit bureaus as a Profit and Loss Write-Off, which is false and inaccurate. The account was paid in full, not charged off. I have submitted disputes to the credit bureaus, but MoneyLion has continued to verify the account with the inaccurate charge-off status. 

I have supporting documentation, including a screenshot of the MoneyLion app showing the account status, and bank statements confirming the payment of {$19.00} on XX/XX/XXXX. 

I have reached out multiple times for written confirmation and for MoneyLion to update the credit bureaus with the correct status that the loan was paid in full and they have not taken action. 

This inaccurate reporting is damaging my credit history and limiting my ability to qualify for better financial products, despite the fact that I resolved the balance in good faith.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NY

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

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against SOFI Bank for inaccurately reporting a 30-day late payment in XX/XX/XXXX on my credit report with XXXX XXXX XXXX XXXX This is completely false and a violation of the Fair Credit Reporting Act ( FCRA ). 

I made on-time payments every month since the account was opened on XX/XX/XXXX, and I continued to make on-time payments until the account was paid in full and closed in XX/XX/XXXX. My final payment was made on XX/XX/XXXX, as documented. 

Key Issues : False Late Payment XX/XX/XXXXXXXX XXXX XXXX XXXX both show a 30-day late payment in XX/XX/XXXX. 

This reporting is inaccurate, as no payment was ever missed or late.

There is no late fee, no past due amount, and the account was paid as agreed through final payoff.

Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy SOFI failed to meet this standard by reporting false payment history.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information Furnishing knowingly inaccurate data is a violation of this section. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Duty to Investigate Disputes If this late payment was previously disputed, SOFI has failed to reasonably investigate and correct the error.

This reporting has damaged my credit score and financial reputation despite my perfect payment history with this account. 

Prepared to Take Legal Action I am prepared to contact XXXX XXXX XXXX, who specializes in suing creditors and credit bureaus for violations of the FCRA. Their assistance will be sought if this matter is not corrected immediately. 

Escalation : Harassment and Possible Fraud If SOFI Bank does not take immediate corrective action, I will escalate this matter to include : Harassment : Knowingly publishing false derogatory information is a form of consumer harassment. 

Fraud : Damaging a consumers credit based on fictitious payment behavior may meet the criteria for fraudulent reporting.

This is especially egregious considering I paid this account perfectly on time for over three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
XX/XX/2025, my monthly mortgage payments increased from {$2200.00} to {$3600.00}!!!! I called several times to find out why this massive increase of {$1400.00} per month!!!!!! I was told that it was escrow shortage and was given the amount of taxes. I asked had my XXXX XXXX been applied? Initially I was told no, but after a few more calls, they confirmed that it had been. I contested utilizing XXXX, won the protest which decreased appraisal by small amount but should see about {$260.00} decrease in taxes. I've called the mortgage company several times asking when would that decrease be reflected in my monthly payments, with no answer. They suggested I contact their concierge insurance representative that can research cheaper home insurance. I was quoted a price, said okay that sounds good, but XXXX days later, I received an email from the insurance company with estimate double what I was Initially quoted, which was also more than my current XXXX insurance. I immediately called to cancel, I had never signed anything, but they had already submitted to the mortgage company and was paid!!!! So now im having to fight that issue. My current insurance had them already in XXXX, and they sent another payment to another insurance on XX/XX/XXXX. So that's my next dilemma. 
My main concern is how was my escrow shortage that much!!!!! I realize the initial one is an estimate and can increase. This is my XXXX house I've had built, and never has my payment increased that much!!!!! My realtor suggested they underestimate the escrow, but that is waaaayyyy too much of a difference. My escrow analysis shows {$9400.00} shortage which is why my mortgage increased almost $ XXXX. I am struggling and afraid im going to lose the house. If I could afford that type of mortgage, I would have chosen a different house and area. Did they lowbell to get the loan approved!!!!! That's got to be illegal!!!! Please, please research this issue and let me know what can be done. I am taking care of my elderly mother, and I just cant lose our home. 
Your time, attention and consideration in this matter will be greatly appreciated. 

Thank you, 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 2025-07-28 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$23000.00} INQUIRIES : XXXXXXXX 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 XXXXXX/XX/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 2025-07-28 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: GA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$320.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-28 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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