vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXXDate of Birth: XXXXLAST 4 OF SSN: XXXXExperian XXXX XXXX XXXX XXXX  TX 7XXXX  Formal Dispute of Inaccurate 90-Day Late Payment Reporting  Request for Correction\nTo Whom It May Concern,\nI am writing to formally dispute the reporting of a 90-day late payment for the student loan account listed below. This derogatory mark is inaccurate, misleading, and must be corrected under the Fair Credit Reporting Act (FCRA).\nAccount Name: XXXX XXXXAccount Number: XXXXReported Error: XXXX XXXX XXXX 90-Day Late Payment\n\n\nThis loan was previously under administrative forbearance during the federal student loan payment pause, and I was under the good faith belief that it remained in deferment or forbearance status at the time the reported late payment occurred. \nI did not receive any communication, billing statements, or past-due notices from the loan servicer informing me that payments had resumed, were due, or that the loan was no longer deferred.\nUp until this error my Credit Report has shown On Time payment, even in the month prior to the 90 Day Late Payment status, which directly contradicts the claim that I was 90 days delinquent in March 2025. Logically, if I was truly 90 days past due in the months prior. This discrepancy proves that the account reporting is factually inconsistent and should be corrected immediately.\nI am requesting that the 90-day late payment notation for XXXX XXXX be updated to On Time or removed altogether, as it is the result of a servicer communication failure, inconsistent data, and misreporting.\nPlease conduct a reasonable investigation into this matter. If the furnisher cannot verify that I was properly notified of due dates and delinquency, and if the timeline of late payments cannot be supported by factual documentation, the derogatory mark must be corrected or deleted.\nPlease provide me with a written response detailing the outcome of your investigation, including the method of verification used and any documentation reviewed.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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because Equifax is continuing to report multiple inaccurate items on my credit file despite several previous disputes. This is my fourth round of disputes, and the fact that the same errors remain shows that Equifax has failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ). These ongoing inaccuracies are harming my credit score, damaging my credibility with lenders, and limiting my financial opportunities. 

XXXX major issue is the reporting of XXXX # XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$0.00} XXXX XXXX as a charge-off. This account has never been verified with proper documentation from the furnisher, yet it continues to appear on my report. Under FCRA 611 ( a ), if Equifax can not provide credible proof of its accuracy, the item must be deleted. 

Equifax is also inaccurately reporting two XXXX XXXX XXXX  accounts. The first is XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX showing late payments that I dispute as false. The second is XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX XXXX which also shows late payments that are not accurate. I have repeatedly requested verification, but Equifax has not provided the name, address, and phone number of the furnishers or the method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

Additionally, there is an unauthorized inquiry from XXXX dated XX/XX/XXXX on my credit report. I never applied for credit with this company, nor did I authorize this inquiry. Under FCRA 604 ( a ), inquiries may only be placed on a credit report for a permissible purpose with the consumers consent. The continued reporting of this unauthorized inquiry violates that provision and further damages my credit score. 

Equifaxs repeated failure to remove or correct these inaccurate items after multiple disputes violates both FCRA 607 ( b ), which requires maximum possible accuracy, and FCRA 611, which requires deletion of unverifiable information. This ongoing reporting shows either a lack of a proper investigation or a willful disregard of my rights. 

I am requesting that the Consumer Financial Protection Bureau investigate Equifaxs handling of my disputes, require them to permanently delete these inaccurate accounts and the unauthorized inquiry, and ensure full compliance with all provisions of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: 21ST MORTGAGE CORP.
State: MN

Complaint narrative:
Was XXXX XXXX XXXX.from XXXX to XXXX. Called as a friend was going to help me left message for representative to take payment and call me back if any issues. No payment taken and no call back now trying to foreclose when I sent a payment and will be sending another the XXXX to bring account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TX

Complaint narrative:
Bank errors in billing and reporting are negatively impacting my credit standing. Under the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ), creditors are required to accurately record all payments and credits. However, the following violations have occurred : Payments I made were not properly credited to my account.

Clear calculation errors appear in the reported balances.

I was not provided the legally required 21-day notice before a payment was due, rendering any late payment marks invalid. 

These inaccuracies are in direct violation of federal law and have caused unjust harm to my credit profile.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed several accounts with Equifax that are inaccurate or can not be verified. Equifax failed to remove these accounts despite not providing proof that they are XXXX XXXX  accurate and compliant with the Fair Credit Reporting Act ( FCRA ). Leaving these unverifiable accounts on my report is a clear violation of my consumer rights and is continuing to harm my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am formally disputing XXXX unauthorized electronic withdrawals from my bank account made by Discover Bank : {$500.00} on XX/XX/2025 {$180.00} on XX/XX/2025 According to Discovers own customer service correspondence ( attached ), my credit card account was permanently closed on XX/XX/2025, allegedly for inactivity. However : XXXX. I never received the required notice of impending closure via email or mail prior to these withdrawals. 
XXXX. My account was not inactive I had been making payments and using my card prior to closure. 
XXXX. These payments were processed after the account was set for closure and without a valid, active account to apply them to. 
XXXX. Discovers own representative admitted in writing that the account closure letter has yet to be sent out and that the closure was due to a payment review, contradicting their claim of inactivity. 

Under Regulation XXXX of the Electronic Fund Transfer Act, I am requesting : Immediate reversal of these unauthorized transactions. 
A provisional credit while the investigation is ongoing, as required within XXXX business days of my dispute. 

I have attached : Bank statements showing both withdrawals. 
Screenshots of my Discover account activity confirming payment dates. 
Screenshots of my chat with Discover confirming the account closure date and lack of prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I demand a deletion and unauthorized use of my consumer report, because I have not had an agreement with Equifax. According to 15 usc 1681, any company pulling or reporting my background information, must have permissible purpose. I never gave permissible purpose for either company to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ) regarding multiple unauthorized hard inquiries and XXXX inaccurate addresses in my credit file. 

On XX/XX/year>, Experian reported hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX In addition, Experian reported inquiries from XXXX XXXX on XX/XX/year>, and XXXX XXXX  XXXX on XX/XX/year>. 

I never applied for credit, financing, or any service with these companies on or around these dates, and I never gave them written, verbal, or electronic authorization to access my credit file. Under 15 U.S.C. 1681b ( a ) ( 3 ), a consumer reporting agency may only furnish a credit report to a third party when there is a permissible purpose initiated by the consumer. These inquiries have no permissible purpose and are therefore unauthorized. 

I disputed these inquiries with Experian and requested proof of my consent, as allowed under 15 U.S.C. 1681g. Experian failed to provide any signed applications, contracts, or digital consent records. Under 15 U.S.C. 1681i, any disputed item that can not be verified must be deleted, yet these inquiries remain. 

In addition, Experian is reporting XXXX wrong addresses XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I have never lived at or been associated with. Reporting these addresses violates 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. I have disputed these addresses, but Experian has not removed them. 

XXXX refusal to remove these unverified items after my disputes is a violation of 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). This has caused me financial harm, credit damage, and emotional distress. 

I am requesting that the CFPB require Experian to : Delete all unauthorized hard inquiries listed above Remove the XXXX inaccurate addresses Provide a corrected copy of my credit report I have attached my dispute letters and Experians responses as supporting evidence.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: United Accounts, Inc.
State: MO

Complaint narrative:
I did not consent, nor did I authorize and nor did I benefit from the following accounts. They are fraud and remove them immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a victim of identity theft. Fraudulent accounts and inquiries were placed on my credit file without my knowledge or authorization. I have filed an FTC Identity Theft Report and am invoking my rights under US 1681c-2 ( FCRA 605B ) to have these items blocked from my credit report. 

Next Step Litigation & Class Action If these violations of US 1681c-2 ( FCRA 605B ) are not remedied, I intend to pursue litigation to enforce my rights, including claims for statutory damages, actual damages, and attorneys fees. I am also exploring participation in an active class action against the credit reporting agency for systemic noncompliance with identity theft blocking requirements.

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft, confirmed by the Florida Department of Law Enforcement ( Case # XXXX ) and the FTC ( Report # XXXX ). A fraudulent XXXX account was previously reported by XXXX XXXX XXXX but was removed from all credit bureaus after they failed to validate the debt. Now, XXXX XXXX XXXX XXXX XXXX is reporting the same debt again, which is double reporting and a violation of my rights under the FCRA. I already sent them a certified dispute and debt validation request with all supporting documents, including police reports and ID theft records. I am requesting the CFPB to investigate this company and ensure this account is permanently removed from my credit report.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service International Corp
State: LA

Complaint narrative:
I am writing to formally dispute the information in my credit report under the provisions of 15 USC 1681c-2 of the Fair Credit Reporting Act ( FCRA ), particularly in light of the recent National Public Data Breach which may have compromised my personal information.

I have reviewed my credit report and found discrepancies that I believe are inaccurate due to unauthorized access to my personal data. As a result of this breach, I am concerned that my credit report may contain information that does not accurately reflect my credit history.

According to 15 USC 1681c-2, it is required for consumer reporting agencies to take additional precautions when a data breach occurs that affects personal information. I would like to formally request a reinvestigation of the entries on my credit report related to this incident, as they may no longer be valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: WV

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

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