vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: MN

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXXXXXX, PA XXXX Re : Dispute of Inaccurate Reporting SELF/LEAD ( Account # XXXX ) To Whom It May Concern, I dispute the accuracy of SELF/LEAD Account # XXXX, appearing on my credit report dated XX/XX/XXXX. Although the account shows {$0.00} balance, it is reported as 60 days past due, which is contradictory and misleading. 

Under 15 U.S.C. 1681e ( b ), XXXX  must assure maximum possible accuracy. Pursuant to 15 U.S.C. 1681i, I demand reinvestigation and validation. Please provide all supporting records from the creditor. 

If this account can not be verified, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: NJ

Complaint narrative:
My credit report is showing multiple bankruptcy records ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). 

Under the Fair Credit Reporting Act, specifically 611 ( 15 U.S.C. 1681i ), any item on a credit report that can not be verified must be deleted. Credit reporting agencies are also required under 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to ensure maximum possible accuracy. Reporting duplicate bankruptcies or inconsistent filing dates is a clear violation of this requirement.

I request that the company investigate the source of these bankruptcy entries and remove any that are inaccurate, duplicate, or can not be verified directly with the court

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 2025-08-16 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: NJ

Complaint narrative:
My credit report is showing multiple bankruptcy records ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ). 

Under the Fair Credit Reporting Act, specifically 611 ( 15 U.S.C. 1681i ), any item on a credit report that can not be verified must be deleted. Credit reporting agencies are also required under 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to ensure maximum possible accuracy. Reporting duplicate bankruptcies or inconsistent filing dates is a clear violation of this requirement.

I request that the company investigate the source of these bankruptcy entries and remove any that are inaccurate, duplicate, or can not be verified directly with the court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRIAD FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
This is in regard to a manufactured home loan serviced by Triad Financial closed in XX/XX/XXXX. In our closing documents, we optioned for only having property insurance deducted from our escrow account, and that we will pay the property taxes ourselves. however, in XX/XX/XXXX Triad Financial began deducting property taxes in addition to insurance without our authorization and we could not convince them that this was not our signed agreement. Effective XX/XX/XXXX, we started paying property taxes added to our monthly payment. We then started receiving multiple notices from the XXXX XXXX that no property taxes have ever been paid on our property. We notified Triad of this, and they indicated that they paid a much higher property tax for another property by mistake. We have been in contact with Triad Financial multiple times and each time they have indicated that they will take care of this and that they are responsible for all penalties. We have been in contact with them by phone many times and even spoke to a supervisor whose name is, XXXX, and he indicated to us that it will be taken care of. Our escrow account has a negative balance because of Triad paying higher taxes to another property in error. We now have received a two-week notice from XXXX XXXX of XXXX of intent to file a certificate of lien or summary judgement and our escrow money we paid is gone from our account and that we have a negative balance of {$2100.00}. For almost XXXX years, no property taxes have been paid. We are very frustrated with the actions taken by Triad and would like a resolution to this immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Name XXXX XXXXXXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  XXXX  Requested On XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX  XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1400.00} XXXX  XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Closed. 
Status Updated XXXX XXXX Balance {$300.00} Balance Updated XX/XX/XXXX Monthly Payment {$49.00} Credit Limit {$300.00} Highest Balance {$360.00}. 


XXXX XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Closed/Never late. Status Updated XX/XX/XXXX Balance {$230.00} Balance Updated XX/XX/XXXX Monthly Payment {$32.00} XXXX XXXX {$300.00} Highest Balance {$460.00} XXXX  XXXX XXXX  Account Type Credit card Date Opened XX/XX/XXXX Status Closed. Status Updated XX/XX/XXXX Balance {$200.00} Balance Updated XX/XX/XXXX Monthly Payment {$30.00} Credit Limit $ XXXXHighest Balance {$520.00}

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 2025-08-17 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: CA

Complaint narrative:
I want to report XXXX XXXXXXXX XXXX for charging me fees without my identity verification. Not only do they harass me with daily phone calls, they also won't let me use their credit card. I opened a credit card with them, but I can't use it because my identity verification failed. They asked me to upload my ID. I uploaded my rental agreement and my ID, but they still won't let me use my credit card. Their negligence has cost me {$39.00} in annual fees. I paid that {$39.00} annual fee, only to have my credit card blocked. They harass me daily, calling me from either the XXXX number or the bank 's number. I don't owe them any money, and I haven't used their credit card, yet they're saying I owe them money. Now there's a " past due balance '' on my credit report. I'm suing them ; it's fraud. Is it possible to use their credit card when my identity verification failed? I didn't use their credit card, so why are they saying I owe them a {$100.00} payment? There's something wrong with XXXXXXXX XXXX XXXX I called customer service to get the {$39.00} back. I didn't use this credit card, so why should I pay it? The identity verification process failed!

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 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am disputing an account being reported/collected by Jefferson Capital Systems XXXX This account is inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my written requests for validation, Jefferson Capital Systems has not provided a signed agreement, itemized statement, or proof of ownership. Continued reporting and collection attempts are causing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: PA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : From Experian, Transuinoin, and Equifax. 

XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$12000.00} XX/XX/XXXXXXXX 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 2025-08-16 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-16 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: MS

Complaint narrative:
They violated my right as a consumer under 15US1681B and I need these items blocked and deleted from my credit report 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 2025-08-16 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: IL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-16 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: SC

Complaint narrative:
i AM A VICTIM OF THE EQUIFAX DATA BREACH THIS SITUATION HAS COSTED ME MY JOB AND OTHER THINGS FROM MY LIVELY HOOD. IVE BEEN TRYING TO HAVE THESE PEICES OFN INFORMATION ON MY CREDIT REPORT CORRECTED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX XXXX ACCOUNT # XXXX * * This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 1. A debt collector/buyer must be bonded and licensed by the National Mortgage Licensing Service .

2. The debt must be legally collectible within the states jurisdiction where the creditor resides.

3. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

4. A debt purchase must have an assignment number and be registered with the National Mortgage Licensing Service.

5. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

6. This company has posted one or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX XXXX and XXXX XXXX respectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
I am filing this complaint because Experian has continued to report inaccurate and harmful information on my credit report, despite my repeated disputes. Several accounts are being reported incorrectly and are damaging my credit standing. For example, XXXX XXXX  Account # XXXX * *, Date Opened XX/XX/year>, XXXX {$0.00} * * is still showing late payments even though the account is at a XXXX balance and should not reflect derogatory marks. Similarly, XXXX Account # XXXX * *, Date Opened XX/XX/year>, XXXX {$420.00} * * is being reported as a charge-off, which is not accurate and does not reflect the true status of the account. 

In addition, Experian is also listing wrong personal information tied to my report, such as XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, which is not and has never been my address. This creates confusion and makes it appear that I have connections I do not. 

These errors are violations of the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 609, which require Experian to maintain maximum possible accuracy and to properly verify disputed information. By continuing to publish these false accounts and addresses, Experian is causing direct harm to my ability to obtain credit, housing, and fair financial opportunities.

I am asking the CFPB to investigate Experians handling of my disputes and require them to conduct a full reinvestigation. I want the inaccurate late payment reporting on XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  removed, the false charge-off on XXXX  # XXXX * * * * corrected, and the wrong address XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX deleted from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grow Credit Inc
State: NV

Complaint narrative:
I've signed up with XXXX XXXX on multiple occasions in order to help my credit score improve, but instead of reporting my account is opened, they've instead reported it is closed which caused a precipitous decrease in score of XXXX points which could take up to a year or more to recover from. That is not what I paid for. I expect for my account to be reported as open, I'm paying a monthly fee of {$13.00} per month, and grow credit must do their job a reporting my account is active and open and the balance to be reported that I'm paying for as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am disputing the XXXX account that Experian and TransUnion continue to report as verified. XXXX  has already deleted this account after their investigation, proving the information is inaccurate and inconsistent across the credit bureaus. I have attached proof of XXXX deletion for your review. Under FCRA 607 ( b ) and 611, THIS IS NOT THE FIRST TIME I DEMENAD DELETION AND BY JUST UPDATING TO VERIFIED ISNT ENOUGH

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 2025-08-16 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: FL

Complaint narrative:
Subject : Dispute of Inaccurate Personal Information in Credit Report I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by XXXX. 
Details of the Dispute : 1.Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX XXXX but it is incorrectly listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that my name be updated to reflect the correct information. 
2.Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX Fl XXXX, while my credit report shows an outdated address of : XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX 
I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license and Social Security A recent bank statement showing my current address. 
Request for Confirmation : I request that XXXX  investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me by email at XXXX. 
Thank you for your prompt attention to this 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 non-monetary relief