vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: NH

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the XXXX business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating XXXX 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX Bank XXXX New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
This issue stems from the transfer of my disputed student loan account from XXXX to the XXXX Department of Education. Following the XXXX. XXXX accounts now appear on my credit report : the original ( closed ) Edfinancial account, and a new account reported by the XXXX Department XXXX XXXX. The Department of Education did not preserve the original date opened, instead reporting a new, inaccurate open date, violating credit reporting accuracy XXXX. This has caused the account to appear as a newly acquired debt, resulting in : - Artificially increased account balances- Reduced credit age - A substantial and unjustified drop in my credit XXXX. I properly disputed the loan as fraudulent prior to the transfer, and XXXX XXXX XXXX resolve the matter before the loan was XXXX. Despite repeated disputes and documentation sent to Experian, the inaccurate information continues to be reported, in violation of both the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX XXXX laws. 
XXXX Violations XXXX : - FCRA, 15 U.S.C. 1681e ( b ) Failure to maintain accurate and complete consumer credit information- FCRA, 15 U.S.C . 1681s-2 ( b ) Furnishers duty to correct and update inaccurate information- FCRA, 15 U.S.C. 1681i Failure to properly reinvestigate disputed information- Consumer Financial Protection Act, 12 U.S.C. 5531 Unfair, deceptive, or abusive acts or practices ( UDAAP )

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 2025-08-06 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:
I reviewed my credit report and this account on my credit report is being reported inaccurately and unfairly. The account is with XXXX XXXX, account number XXXX. 
There are several issues with how this account is being reported. 
The account was charged off, but the balance is still being updated monthly as if its active and thats not allowed. 
The last payment was made in XX/XX/XXXX, yet it shows as last reported in XX/XX/XXXX, which looks like illegal re-aging. 
The date opened does not even match between bureaus. 
One bureau reports a high credit of {$390.00}, another says {$0.00} thats clearly inaccurate. 
Because of these inconsistencies, Im asking that this account be deleted from my credit report. Its not being reported accurately, and it shouldnt continue to hurt my credit for something thats clearly wrong. 
I request that for this account to be removed from my credit report due to these reasons listed above. Please investigate and remove this account, I would appreciate a response once the deletion has been complete.

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 2025-08-06 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 reviewed my credit report and this account on my credit report is being reported inaccurately and unfairly. The account is with XXXX XXXX, account number XXXX. 
There are several issues with how this account is being reported. 
The account was charged off, but the balance is still being updated monthly as if its active and thats not allowed. 
The last payment was made in XX/XX/XXXX, yet it shows as last reported in XX/XX/XXXX, which looks like illegal re-aging. 
The date opened does not even match between bureaus. 
One bureau reports a high credit of {$390.00}, another says {$0.00} thats clearly inaccurate. 
Because of these inconsistencies, Im asking that this account be deleted from my credit report. Its not being reported accurately, and it shouldnt continue to hurt my credit for something thats clearly wrong. 
I request that for this account to be removed from my credit report due to these reasons listed above. Please investigate and remove this account, I would appreciate a response once the deletion has been complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: VA

Complaint narrative:
Predatory text messages about debt collection with hyperlinks they want you to click on. I have multiple screenshots that I took that show different amounts owed as well before I blocked the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: 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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/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 2025-08-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX ] Account 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 2025-08-06 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: TX

Complaint narrative:
These accounts were created through fraudulent means. I request their immediate removal from my credit record as required by USC 1681g within XXXX  days. Documents are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: Self Financial Inc.
State: IL

Complaint narrative:
Dear CFPB, I am filing a complaint regarding inaccurate late payment information being reported on my credit report by XXXX XXXX, also Selfinc/Lead These late payments are not accurate and have not been properly verified. I have disputed this information directly with both the credit bureaus and the data furnisher ( XXXX XXXX ), but the negative items remain on my report without any valid documentation or proper validation. 

Under 15 U.S. Code 1681s2 ( a ), furnishers are required to report accurate information. Additionally, under 15 U.S. Code 1681i, the credit bureaus are obligated to conduct a reasonable investigation within XXXX XXXX of a dispute. To date, neither the furnisher nor the bureaus have provided sufficient evidence to support the continued reporting of these late payments. 

I respectfully request that the CFPB investigate this matter and take appropriate action to ensure the inaccurate information is removed from my credit report. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In XXXX I received funds from my insurance company to fix my residence from XXXX XXXX. The check was made out to me and the mortgage company. The mortgage company would not release funds to me to allow my XXXX to start work on my home. They kept $ XXXX at the time. In XXXX I received additional funds from an insurance claim to fix my residence from hurricane XXXX. I sent the check to the mortgage company, and they have kept the funds and released nothing to me. They now have over {$280000.00} in funds that they will not release to me to fix my house nor will they apply these funds to my mortgage to pay off the balance. $ XXXX is owed on the home with $ XXXX sitting to be paid off for 5 years now. The company gives me the run around, transferring me to multiple departments, hanging up on me, failing to return phone calls or answer emails, they withhold supervisors names and will not transfer you to a supervisor when requested, they will not send me documentation that I request, they do not answer my complaints that are filed, they tell me to wire funds and when I wire $ XXXX to them and send the letter to apply the loss draft funds to my mortgage they still will not do so. Nothing has been resolved with this situation for 5 years now. They will not give me the written policies or statues where it is lawful for them to hold my money XXXX and not apply to my mortgage. Meanwhile I can not fix my house because I can not get a loan to fix the repairs because my debt-to-income ratio is too high, and I can not show the $ XXXX sitting to fix the house as an asset or cash to reduce the ratio. This is unfair and downright criminal. Their customer service depart is no help. They will not assist and constantly say that their " XXXX '' will not allow them to do anything for me, and I am their customer. It is beyond frustrating, and I am having to pay my mortgage to maintain from being foreclosed on while my house is unlivable and the mortgage company will not release my money to either fix the house or pay off the house. They are not paying me the interest that they are collecting on my money for the past 5 years, so they have stolen my insurance proceeds and left me homeless. I have been forced to hire an attorney and sue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Andrews & Cox, P.C.
State: TN

Complaint narrative:
XX/XX/year>, received mail indicating I owe {$15000.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

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 2025-08-06 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: OK

Complaint narrative:
Ive disputed this account and other inaccuracies with Equifax a total of XXXX XXXX now over the period of XXXX. XXXX times for the charge off & inquiries, and once for personal info. They failed to process those disputes in a timely manner or in the time frame the law allows, according to the FCRA. These disputes were sent with months in between each other XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They responded to the personal info dispute in XX/XX/XXXX but ignored the charge off and inquiries disputes up until XX/XX/XXXX only to say the account was verified, after over a year, disputing this account and asking for validation and verification documents, but ignored and still havent received them. Ive also talked to Equifax via telephone with multiple supervisors with no results. The dates that Equifax has in there system for receiving the disputes dont match the dates I sent them or that my return receipt says they signed for them. This further proves they were not processing these disputes as they should have and as the law requires. I also received XXXX letters from Equifax on XX/XX/XXXX on stating they were treating my dispute as frivolous ( a result of not being processed in time ) and another letter stating they were unable to locate a credit file or verify my identity, which with every dispute I sent included my state ID, my Social Security card, bank statement, and proof of address, which was confirmed on a recorded phone call with an Equifax representative. Its just a bunch of stalling tactics and failure to follow the law. They also responded to my CFPB complaint saying again that they could not verify my identity after being in contact with me and sending letters out saying accounts were verified, which has to mean they could verify my identity. I still have not received any validation or verification documents that I specifically asked for in the dispute letters sent in the account has been updated and is still reporting inaccurate information as of XX/XX/XXXX Equifax still has failed to provide me with an updated credit report as required by law, I stay up to date on my consumer reports status by my own credit monitoring services. I would like for this account to be removed and this whole ordeal behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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 have previously disputed XXXX, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: 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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2000.00} TXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00}

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 2025-08-06 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: 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 XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX BANK XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief