vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX  XXXX XXXX XXXX, XXXX, GA XXXX To Whom It May Concern : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify delinquent accounts. Accounts which in fact shows I have late payments. No agency can report me until my account is 30 days past due, not 27 days. I have never missed any payments past my due date on the account ( XXXX ) listed below. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent information concerning my payment history. 

I demand to see Verifiable proof you have on file of the accounts ) listed below that my payments were past due. Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must update my late payments to XXXX, XX/XX/XXXX, XX/XX/XXXX and/or XXXX/XXXX IMMEDIATLEY of the accounts listed below. 


XXXX. LXXXX XXXX  XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX FIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all non-account holding inquiries over 30 days old. 

Please add a Promotional Suppression to my credit file. 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: KY

Complaint narrative:
Iam writing to formally dispute an account that has been reported to my credit file by your agency. The account in question is not mine and was opened or used fraudulently without my authorisation. Iam a victim of identity theft. In accordance with my rights under 15 U. S. code 1681c-2 ( blocking of information Resulting from Identity Theft ) of the Fair Credit Reporting Act, Iam requesting that you 1. immediately delete this account from my credit file 2.Cease all collection activity on this account 3.Provide written confirmation that this account has been removed from your records and all credit reporting agencies.

Pursuing collection on a debt that you know or should know is not valid constitutes a violation of 15 U.S.code 1692j of the FDCPA and may result in legal consequences.

thank you for your prompt attention to this urgent matter

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 2025-07-08 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: CITIZENS FINANCIAL GROUP, INC.
State: AZ

Complaint narrative:
We asked for a forbearance period with citizens bank after my husband was placed on XXXX due to long XXXX XXXX The company never explained to us till today that if we used more than 6 months it would permanently hange the terms of our loan. They said the payments would be put at the end of our loan and we could discuss loan modification if needed. We started making payments several months ago and last week we got documents in the mail, with XXXX discussion of loan modification options, of our " new loan terms " which adds XXXX to our principal balance and 11 years to our loan term. When I called to ask questions and explain that this was never explained to me they said if we didn't sign the papers by the XXXX of this month our loan would be put into foreclosure. They're taking financial advantage of our unfortunate situation. Is there anything that can be done on our end to prevent this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: ADP Inc.
State: DC

Complaint narrative:
I closed my IRA account with XXXX, and I did not receive my IRA check for {$160.00} The check was supposed to be mailed. 
I called XXXX at XXXX on XX/XX/year> to change my address, and the person on the phone used my phone as a pretext to reject my change of address. My " phone number '' was not a prequsite to open the IRA account. I no longer have a phone. Not everyone needs or has a phone! I can no longer get mail at the address, so I want the check cancelled and remailed to my new address.

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 2025-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I want to have access this website to grow my new business

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 2025-07-08 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: DC

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 2025-07-08 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 submitting this complaint to dispute inaccurate late payment reporting on my TransUnion and Experian credit reports for XXXX accounts that are listed as paid and closed but are still displaying derogatory late payment notations. These accounts are with XXXX XXXX XXXX XXXX ( account number ending in XXXX ) with a reported late payment dated XX/XX/XXXX, and XXXX XXXX XXXX ( account number ending in XXXX ) with a reported late payment dated XX/XX/XXXX. Both accounts are now showing a past due balance of {$0.00}, and yet the late payments remain as damaging negative marks on my reports. 

I have worked tirelessly to maintain accurate and responsible credit behavior. I resolved these accounts, closed them properly, and made sure there were no outstanding balances. There is no justifiable reason for these accounts to continue reflecting derogatory payment historiesespecially when there is no delinquency or money owed. These lingering late payment remarks are misleading, outdated, and ultimately punitive. 

Every time I try to move forwardwhether it's applying for new credit, securing better loan terms, or even qualifying for housingthese entries come back to haunt me. It's demoralizing and deeply frustrating to know that despite doing everything by the book, my credit profile still tells a story that isnt true. These mistakes weigh heavily on me emotionally, financially, and professionally. 

These types of reporting failures erode confidence in the credit reporting system. I am not alleging fraud or identity theft, but I do believe these errors could stem from data inaccuracies or even residual impact from broader data breaches or poor information sharing between creditors and bureaus. It is unacceptable that such derogatory information remains active and harmful when the accounts are clearly marked as paid with no past due amounts. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit bureaus have a legal responsibility to maintain maximum possible accuracy in all consumer reporting. Furthermore, once I dispute these inaccuracies, both TransUnion and Experian are obligated under 15 U.S.C. 1681i to conduct a timely and reasonable reinvestigation. If they can not verify the accuracy of the reported information through reliable and current documentation, they are required to delete or correct it.

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 2025-07-09 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:
I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. I did not provide consent for my credit information to be accessed by the named company, nor did I apply for any form of credit that would justify this inquiry.

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 2025-07-08 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: AZ

Complaint narrative:
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 30 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 non-monetary relief
Consumer complaint received 2025-07-08 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: AZ

Complaint narrative:
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 30 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute an inaccurate late payment that was reported on my student loan account managed by XXXX. According to my credit report, a late payment was reported as of XXXX, XXXX, which is incorrect and misleading. 


My student loans are currently in deferment status until XX/XX/XXXX, as reflected in my XXXX account. As such, no payments were due at the time of the alleged delinquency. Reporting a late payment while the account is in deferment is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. 


I have attached a screenshot and/or documentation from my XXXX account clearly showing the deferment period and the fact that payments are not due during this time.

This incorrect reporting has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was reported.

Summary of Complaint : Servicer : Department of Education/ XXXX Loan Type : Federal Student Loan Date of Incorrect Reporting : XXXX, XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the incorrect late payment from all credit reporting agencies. 

I appreciate your attention to this matter and look forward to your help in resolving this issue promptly. Please let me know if additional documentation is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint to dispute an inaccurate late payment that was reported on my student loan account managed by XXXX. According to my credit report, a late payment was reported as of XXXX, XXXX, which is incorrect and misleading. 


My student loans are currently in deferment status until XX/XX/XXXX, as reflected in my XXXX account. As such, no payments were due at the time of the alleged delinquency. Reporting a late payment while the account is in deferment is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting of consumer information. 


I have attached a screenshot and/or documentation from my XXXX account clearly showing the deferment period and the fact that payments are not due during this time.

This incorrect reporting has caused harm to my credit profile, and I respectfully request that the CFPB assist in having this late payment removed from all credit bureaus where it was reported.

Summary of Complaint : Servicer : Department of Education/ XXXX Loan Type : Federal Student Loan Date of Incorrect Reporting : XXXX, XXXX Account Status : Deferred through XX/XX/XXXX Relief Requested : Immediate removal of the incorrect late payment from all credit reporting agencies. 

I appreciate your attention to this matter and look forward to your help in resolving this issue promptly. Please let me know if additional documentation is needed.

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 2025-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
Freedom debt relief lied and stated that they were collecting debt and also going to help with credit repair but didnt do so on top of that stated they were going to give me a full refund but didnt not do so. In an email it also states that they were going to but it went to a settlement that does not exist and or was canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

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 non-monetary relief
Consumer complaint received 2025-07-08 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: MoneyLion Inc.
State: MI

Complaint narrative:
I recently received a copy of my credit report & noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life & credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have submitted to you Transunion that I did not in fact give any permission for hard inquiries on my credit report submitted the proper affidavit, ID and bill. However your response was it's not correct. I will submit the my affidavit again and demand to have the hard inquiry removed from credit report for the company of Factual data from XX/XX/year> 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 2025-07-09 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: AL

Complaint narrative:
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 30 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