vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 2025-05-06 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: FL

Complaint narrative:
This complaint is not submitted in error. My credit report contains multiple inaccuracies and unverifiable information that are clearly impacting me negatively. I am extremely concerned and stressed by the consequences this is having on my financial well-being, and I demand immediate attention to investigate and correct these 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 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-05-06 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 reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the continued reporting of an account on my Experian & Equifax credit report that was previously disputed and falsely marked as verified. The account in question has already been deleted by TransUnion following a successful Consumer Financial Protection Bureau ( CFPB ) complaint, indicating a clear inconsistency in the verification process between credit reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the following : 1. A full and complete description of the method used to verify the accuracy of this account pursuant to 15 U.S.C. 1681i ( a ) ( 7 ).

2. A copy of any documentation provided by the data furnisher that you used to verify the information.

3. If the account was reinserted after deletion, provide the certification of accuracy and the required notice to me under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 
Since the account could not be verified by TransUnion and was removed from my credit file after a formal review, I request that you take the same action 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 2025-05-06 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: Fay Servicing, LLC
State: NY

Complaint narrative:
On or about XX/XX/year>, a servicing employee informed me, during a recorded phone call, that if I paid {$40000.00}, my mortgage would be reinstated and brought to good standing. However, shortly thereafter, on XX/XX/year>, I received a letter indicating that I owed {$46000.00}. Given the imminent foreclosure conference, I anticipated being able to resolve the matter at that time. 

A subsequent conference was scheduled for XX/XX/year>, and I was under the impression that I would be able to make the necessary payment that day. To my dismay, I was informed that the reinstatement offer had expired the day before, on XX/XX/year>. As a result, a new conference date was set for XX/XX/year>, with a revised reinstatement amount of {$60000.00}. 

I must emphasize my objection to the {$8800.00} in fees that have been added to my account. I believe these charges are unjust, as I have made every effort to pay my mortgage since XXXX, but have been unable to do so due to what I consider negligence on the part of Fay Servicing, particularly regarding my denied access to the online portal. 

This situation has caused me undue stress and financial hardship, and I urge you to take immediate corrective action including access to my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: LA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-06 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: NY

Complaint narrative:
On XX/XX/XXXX, I discovered that someone has been using my name to open vehicle financing accounts without my permission. These accounts are not mine, and I never authorized them. This is a clear case of identity theft. The following accounts appear to have been fraudulently opened and need to be reviewed and addressed as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Installment Auto Loan Opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CHILD SUPPORT ENFORCEM Installment Opened in XXXX, XXXX and the following inquiries were also never authorized by me and are fraud as well : XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX 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 2025-05-06 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:
On XX/XX/XXXX, I discovered that someone has been using my name to open vehicle financing accounts without my permission. These accounts are not mine, and I never authorized them. This is a clear case of identity theft. The following accounts appear to have been fraudulently opened and need to be reviewed and addressed as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Installment Auto Loan Opened in XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CHILD SUPPORT ENFORCEM Installment Opened in XXXX, XXXX and the following inquiries were also never authorized by me and are fraud as well : XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
This account is paid in full. I am requesting that ( Capital One ) update or remove an account that has been paid in full as of [ XX/XX/year> ]. Despite payment in full, the account is still being reported with a negative status ( e.g., " charged off, '' " collection, '' or " past due '' ) and/or a balance that is no longer accurate. 

I have contacted the creditor to request correction or removal, but they have not updated the reporting or provided a valid reason for continuing to report the account this way. This is causing unnecessary harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Text message received XX/XX/2025 at XXXXXXXX XXXX from a XXXX XXXX, a debt collector regarding a CITIBANK/XXXX account ( for which XXXX XXXX, XXXX is current creditor ). 

The text message contained the following information : XXXX XXXX XXXX XXXX XXXX License number : XXXX I DO NOT have CITIBANK or XXXX accounts and have not ordered anything from 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 explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
b'Have two insurance claims on my report that are being reported incorrectly. XXXX XXXX- shows as At-Fault. Was not at fault, called USAA to verify. USAA rep said to reach out to XXXX  to resolve. XXXX- year of XXXX- shows as at-Fault when I was not at fault. Car-wash damaged truck.'

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 2025-05-06 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: NM

Complaint narrative:
b'DISPUTED ACCOUNTS & VIOLATIONSXXXX XXXXXXXX XXXX  Account Ending in XXXX XXXX XXXX- Inaccuracies\n- Monthly charge-offs falsely reported as new delinquencies.\n- Incorrect "Date of Last Activity" (DLA) and "Date of First Delinquency"\n- Re-aging of derogatory status to circumvent the 7-year reporting limit.\n- Violations\n- 5 U.S.C.  1681c(a)(4) Reporting obsolete information exceeding 7 years).\n-15 U.S.C.  1681e(b) Failure to ensure accuracy; monthly updates misrepresent account status.XXXX XXXX XXXX XXXX XXXX  Deceptive trade practices through misleading reporting.\n- Metro 2 Guidelines Charge-offs must not be updated monthly absent new delinquency.XXXX XXXX XXXX  Account Ending in XXXX XXXX XXXX XXXX-Inaccuracies\n- Duplicate tradeline with conflicting DLA, DOFD, and payment history. Violations\n- 15 U.S.C.  1681e(b) Failure to prevent duplicative reporting.\n- 15 U.S.C.  1681i Unreasonable reinvestigation of prior disputesXXXX XXXX XXXX XXXX XXXX  Material misrepresentation via redundant derogatory entries.\n- Metro 2 Guidelines Prohibits duplicate accounts unless reconcilable.XXXX XXXX XXXX XXXX  Account Ending in XXXX XXXX  Inaccuracies\n- Conflicting DOFD and DLA to unlawfully extend reporting (exceeding 7-year limit). Violations\n- 15 U.S.C.  1681s-2(a)(2) Furnishers duty to report accurate DOFDXXXX XXXX XXXX XXXX XXXX Falsifying dates constitutes unfair practice.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRAs must correct inaccuracies, not defer to\nfurnishers.'

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 2025-05-06 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: TX

Complaint narrative:
Subject : Demand for Deletion of Non-Compliant Account ( Metro 2 Violations ) * * * * Account Name : * * XXXX XXXX XXXX XXXX * * Account # : * * [ XXXX * * ( as listed ) ] I am writing to formally dispute the * * XXXX XXXX XXXX XXXX * * account referenced above. This account fails to comply with * * Metro 2 Format * * requirements under the Consumer Data Industry Association ( CDIA ) guidelines and violates the Fair Credit Reporting Act ( FCRA ). I demand its * * immediate deletion * * from my credit file for the following reasons : -- - # # # * * Metro 2 Compliance Violations * * 1. * * Incomplete Reporting ( Missing Data ) * * - * * Issue : * * TransUnion and Equifax fields ( Account #, Balance, Status ) are * * blank * *, violating Metro 2s requirement for complete and consistent data across all bureaus.

- * * FCRA Basis : * * 611 ( a ) ( 1 ) ( A ) Information must be verified as accurate and complete.

2. * * Non-Standard Status Codes * * - * * Issue : * * Experian uses vague terms like " Derogatory '' instead of Metro 2 codes ( e.g., " Chargeoff '' or " Collection '' ).

- * * Metro 2 Rule : * * Status codes must follow standardized definitions ( e.g., " CO '' for Chargeoff ). 

3. * * Invalid " Last Reported '' Date * * - * * Issue : * * The date * * XX/XX/year> * * is in the future, making the entry inherently unverifiable. 
- * * FCRA Basis : * * 607 ( b ) Information must be complete and up to date.

4. * * Unverifiable Payment History * * - * * Issue : * * No 24-month payment history is provided, violating Metro 2s requirement for a full payment timeline.

- * * Metro 2 Rule : * * Payment history must include 24 months ( use " ND '' for missing data ). 

5. * * Promotional Content in Comments * * - * * Issue : * * The comment field includes a URL ( " identityiq.com '' ), which violates Metro 2s prohibition on non-essential text.

6. * * Mismatched Balances * * - * * Issue : * * A Past Due amount of {$1500.00} conflicts with the " Chargeoff '' status ( should be {$0.00} if closed ).

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 2025-05-06 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: MO

Complaint narrative:
I received communication from XXXX XXXX attempting to collect on an alleged debt. Under the FDCPA ( 15 USC 1692g ( a ) ) and Regulation F ( 12 CFR 1006.34 ), they were required to send me a written notice of the debt within five ( 5 ) days of that initial contact. 

I did not receive that written notice. As a result, I was not informed of the amount of the debt, the name of the creditor, or my right to dispute the debt within 30 days. This is a direct violation of federal law. 

Despite this failure, they have proceeded to report this debt to one or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete. 

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the 5-day notice requirement, their reporting and collection activity is unlawful.

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 2025-05-06 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:
I received communication from XXXX XXXX attempting to collect on an alleged debt. Under the FDCPA ( 15 USC 1692g ( a ) ) and Regulation F ( 12 CFR 1006.34 ), they were required to send me a written notice of the debt within five ( 5 ) days of that initial contact. 

I did not receive that written notice. As a result, I was not informed of the amount of the debt, the name of the creditor, or my right to dispute the debt within 30 days. This is a direct violation of federal law. 

Despite this failure, they have proceeded to report this debt to one or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ) because the information is unverified and incomplete. 

I have sent a formal dispute to the credit bureaus and demanded that the debt collector validate the debt. Since they failed to meet the 5-day notice requirement, their reporting and collection activity is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
This policy was placed in administrative forbearance by Navient over and over while they were in a law suite where they kept increasing my interest rate and principal amount due to issues they had and were causing and I ended up still having to pay my loan in full because I was not behind as they never let me get to payment status and kept putting my in forbearance before I could even have a chance to pay them. They ended up not settling on my loan in anyway because I was never behind. 

I do feel this was something that Navient did on purpose so I could not fall behind on my loan if I never had a chance to even owe anything.

Company response to consumer: Closed with explanation