vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Fresh Holdings Inc
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello Citi XXXX, Im reaching out because Im extremely frustrated with how my Citi XXXX XXXX credit card account was handled. After being approved, I was asked to submit IRS Form XXXX for income verification. I submitted it on time and called several times to confirm it was received and being processed. Each time, your representatives assured me the form was correct and everything was in order, even though I noticed I had accidentally filled XXXX section incorrectly. 

Instead of giving me the opportunity to correct the mistake, it appears the form was processed as-is, and shortly afterward, my account was closed. Im left wondering whether my information was actually verified before the closure or whether an internal erroror worse, intentional mishandlingled to this outcome. Either way, the situation feels deeply unfair and raises serious concerns about potential discrimination against me as an XXXX immigrant. 

This experience also highlights troubling business practices by Citi. Even as a large and well-known bank, the way my account was handledclosed without explanation after full compliancesuggests unfair treatment and poor internal procedures that hurt customers and unnecessarily damage credit reports. In my case, the closure has left an unjust annual fee balance on my credit report, further compounding the harm. 

I am requesting that Citi investigate this matter thoroughly, provide a clear explanation for why my account was closed, and take immediate corrective action. This should include reopening my account if my information was verified or allowing me to correct/reprocess the form if mistakes occurred on XXXX side. 

This situation has caused me significant frustration, and I urge Citi to address it promptly and fairly.

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 monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX, XXXX and XXXX XXXX for the publication, maintenance, and distribution of inaccurate, incomplete, and unverifiable credit information that negatively impacts my consumer credit profile and financial reputation. 

Upon reviewing my consumer reports provided by these agencies, I identified multiple accounts and credit inquiries that contain coding errors, inconsistent balances, incorrect dates, and unverifiable furnishers, in direct violation of FCRA 609, 611, and 623, as well as the Metro 2 reporting standards established by the XXXX XXXX XXXX XXXX ( XXXX  ). 

I am requesting a full reinvestigation and removal of all unverifiable data, as both XXXX and XXXX continue to report obsolete and contradictory information regarding collections, loans, and credit inquiries. These inaccuracies fail to meet the legal requirements of accuracy, completeness, and verifiability mandated under federal law. 

Because these agencies are secondary consumer reporting agencies, they do not have the authority to maintain derogatory information without documentation directly verified by the original creditors. Therefore, I request that the CFPB intervene immediately to enforce compliance and ensure the deletion of all unsupported or unverifiable information from my consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 writing to formally dispute certain entries in my credit report that I believe are inaccurate and require immediate investigation. I believe these entries violate the Fair Credit Reporting Act ( FCRA ), and I also suspect that my personal data may have been exposed due to a potential data breach. Please review and correct the inaccuracies outlined below in accordance with the FCRA. 
Account XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account Status : Closed Date Opened : XXXX Balance : {$1000.00} Past Due : {$1000.00} Account Comments : Unpaid balance reported as a loss by the credit grantor. 
Discrepancy : This account is disputed by me, showing as " Collection '' status, which is inaccurate. 
Possible FCRA Violations : o FCRA 1681i : Failure to correct inaccurate information upon dispute. 
o FCRA 607 ( b ) : Reporting of incomplete or inaccurate information.

o FCRA 611 ( a ) ( 1 ) : Failure of the furnisher to respond to my dispute or provide accurate data. 
o Data Breach : Please confirm that this data was not exposed in a breach. 
Account XXXX : XXXX XXXX ( Automobile Loan ) Account Status : Open Date Opened : XXXX Balance : {$27000.00} Past Due : {$0.00} Account Comments : This account is in good standing, however, the record of late payments is inaccurate. 
Discrepancy : The account has only been 30 days late once. The multiple late payments reported are incorrect. 
Possible FCRA Violations : o FCRA 1681i : Incorrect late payments that do not align with the actual account history. 
o Data Breach : Please confirm that this account information has not been compromised. 
Account 3 : DEPT OF ED/XXXXXXXX XXXX XXXX XXXX  ) Account Status : Open Balance : {$52000.00} Past Due : {$4400.00} Account Comments : Account delinquent over 180 days. 
Discrepancy : The amount reported as past due may be overstated. The last active date was misreported, leading to a discrepancy in delinquency calculations. 
Possible FCRA Violations : o FCRA 607 ( b ) : Incomplete or erroneous reporting of account status. 
o FCRA 611 ( a ) : Incorrect information not verified in dispute.

o Data Breach : Please confirm that this information has not been exposed in any breach.

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 2025-11-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 youhave 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-03 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-03 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: MO

Complaint narrative:
I initially disputed the XXXX ( XXXXXXXX XXXX XXXX. ) tradeline in early XXXX XXXX. Under FCRA, the credit bureaus have 30 days to complete an investigation, with an additional 15 days only if the furnisher provides new information. 

Over six months have now passed. 

TransUnion, Equifax, and Experian have repeatedly responded by sending me my own internal credit report instead of providing actual verification, investigation documentation, or any proof that the furnisher validated the account. That is not an investigation under FCRA standards. 

In addition Experian attempted to re-categorize this as an identity theft matter, which is not accurate, and TransUnion updated the tradeline status as a charge-off without legal validation from the furnisher. 

The original furnisher ( XXXX ) has never properly validated this debt. I have sent certified mail to them directly. Their third-party processor sent incorrect account information that did not match my account, and the furnisher never corrected or validated the data. 

This means the bureaus are continuing to report a tradeline that is not legally verified, well beyond the 30+15 day statutory timeframe.

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 2025-11-03 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: MO

Complaint narrative:
I initially disputed the XXXX ( XXXXXXXX XXXX XXXX. ) tradeline in early XXXX XXXX. Under FCRA, the credit bureaus have 30 days to complete an investigation, with an additional 15 days only if the furnisher provides new information. 

Over six months have now passed. 

TransUnion, Equifax, and Experian have repeatedly responded by sending me my own internal credit report instead of providing actual verification, investigation documentation, or any proof that the furnisher validated the account. That is not an investigation under FCRA standards. 

In addition Experian attempted to re-categorize this as an identity theft matter, which is not accurate, and TransUnion updated the tradeline status as a charge-off without legal validation from the furnisher. 

The original furnisher ( XXXX ) has never properly validated this debt. I have sent certified mail to them directly. Their third-party processor sent incorrect account information that did not match my account, and the furnisher never corrected or validated the data. 

This means the bureaus are continuing to report a tradeline that is not legally verified, well beyond the 30+15 day statutory timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because the credit bureau ( s ) failed to comply with the Fair Credit Reporting Act ( FCRA ) 605B regarding the blocking of information resulting from identity theft.

I submitted a valid identity theft report, government-issued ID, and proof of address as requested. Despite receiving these documents, the bureau did not block the fraudulent accounts within the required 4 business days. Instead, they either forwarded my sensitive identity documents to the original creditors or failed to process my request properly.

Under the FCRA, the bureau is required to block any information resulting from identity theft within four business days of receiving an identity theft report and supporting documentation. The failure to do so has caused continued harm to my credit and violated my rights under federal law.

I am requesting that the CFPB review this matter and ensure that the credit bureau ( s ) immediately : Comply with FCRA 605B and block the fraudulent items.

Provide written confirmation that the fraudulent information has been removed from my file.

Cease further dissemination of my personal information to any creditors or third parties without authorization.

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 2025-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
THEY GAVE US A NEW MORTGAGE FOR 40 YEARS PUT THE PAST DUE PAYMENTS INTO THE NEW MORTGAGE AND RAISED OUR RATE FROM XXXX TO XXXX AND THE PAYMENTS STAYED THE SAME. WE CAN'T AFFORD THE PAYMENTS THAT IS WHY WE GOT BEHIND IN THE FIRST PLACE. WE NEEDED LOWER PAYMENTS AND WE THOUGHT IF WE ADDED 10YEARS TO THE MORTGAGE THAT WOULD HAPPEN NOT KEEP THE SAME PAYMENT AND ADD 10 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
During XX/XX/2020, I requested my mortgage to go into forbearance because I was unable to make my monthly payments due to the XXXX hardship. My request was granted, and the forbearance period lasted 10 months. After the forbearance ended, my mortgage servicer failed to provide any viable options to bring my loan current. Instead of offering the required post-forbearance remedies such as a payment deferral, repayment plan, or affordable loan modification, the servicer demanded a lump-sum payment of all deferred amounts. Because of this, I was forced to take out a second mortgage just to cover a portion of the debt accrued during forbearance. The servicer refused to defer the missed payments to the end of the loan, which is a standard option under federal guidelines. 

Desperate for help, I contacted the U.S. Department of Veterans Affairs ( VA ) to inform them of my situation and to learn about getting assistance from the VA Servicing Assistance Program ( VASP ) .However, my lender sent the VA the wrong documents, containing another borrowers loan information, which caused me to miss the opportunity to participate in the VASP program altogether. This mistake directly harmed my ability to receive authorized veteran mortgage relief.

After their administrative error, the lender presented me with a loan modification offer that would more than double my interest rate from 3.75 % to 7.4 % and extend the term from 240 months remaining to 480 months, raising my payment from {$2800.00} to {$3400.00} per month. This proposal is clearly predatory and unaffordable, designed to exploit my hardship rather than resolve it.

Despite my approved forbearance, the servicer reported my mortgage as over 180 days delinquent to the credit bureaus. This inaccurate reporting caused my credit score to drop by approximately XXXX points. When I disputed the negative mark, the servicer verified the delinquency as accurate, refusing to correct their error even though the missed payments occurred during an authorized forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Experien reported two addresses on my credit report that I have never lived at. These addresses were reported fraudulently as : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. When reported to Experien the addresses were removed, but the information of the reporting entity was not provided. None of the requested actions were taken by Experien to investigate this fraud.

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