vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, and TransUnion for their failure to correct inaccurate and unverifiable information on my credit reports after multiple disputes. 

As a consumer with credit compliance knowledge, I have clearly documented the following issues : XXXX  XXXX ( XXXX & XXXX ) All three CRAs report different delinquency dates and statuses. This inconsistency proves at least one bureau is not reporting accurately, violating FCRA 1681e ( b ). 

XXXX XXXX XXXXXXXX Continues to show 30/60/90-day late payments from XXXX  on Experian and Equifax, despite closure and lack of validation documentation. 

XXXX XXXX Still reports as a charge-off on multiple reports despite being settled in XXXX  and no activity since. Reporting a charge-off beyond resolution date violates 1681c ( a ) ( 4 ). 

XXXX XXXX Experian shows it as a charge-off sold to another lender. TransUnion and Equifax are silent. Continued reporting by Experian is misleading. 

XXXX XXXX Listed as paid/closed, but I dispute the legitimacy of the account due to possible identity error. No verification has been provided. 

Each bureau either failed to verify the information properly or ignored inconsistencies across agencies, violating FCRA 611 and 623. My second dispute letters include legal citations and demands for specific verification documentation, but the CRAs continue to respond with vague status updates like verified or remains. 

I am requesting the CFPB : Require the CRAs to furnish proof of investigation and verification. 

Demand deletion of all unverifiable accounts. 

Enforce penalties for systemic noncompliance. 

I have attached documentation for review, including side-by-side comparison tables and CRA dispute response letters .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting and immediate removal of unauthorized inquiries that are placed on my consumer report, I want Transunion XXXX  to look into this and remove with immediate effect because they are not mine and it violated my consumer right. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
These inquiries were not made by me, and I have no relationship with the listed creditors. I kindly request their swift removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
Call initiated XX/XX/year>. Took XXXX minutes to fool the XXXX into letting me talk to a real person and had to choose a lie in order to do that. Then I was shuffled through three different departments before I got to a person who told me that the loss and medication people didn't want to talk to me because there are no short sales or modifications available for my bridge loan If it does not sell by XX/XX/XXXX. At least this person gave me a current payoff amount and promise she would send an email with the added interest included by XX/XX/XXXX. It's been XXXX minutes since I made the call and I still have not received that email however. Don't know if I ever will.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CO

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX Thanks, XXXX XXXX XXXX in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$470.00} 2. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$110.00} Inquiries Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXXXXXX XXXX  XXXX Amount XXXX : XX/XX/XXXX Account name : XXXX XXXX  Amount Opened : XX/XX/XXXX 5.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXXXXXX XXXX Amount Opened : XX/XX/XXXX 7.Account name : XXXX Amount Opened : XX/XX/XXXX 8.Account name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX 9.Account name : XXXX Amount XXXX XXXX XX/XX/XXXX XXXXAccount name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXXAccount name : XXXX Card Amount Opened : XX/XX/XXXX XXXXAccount name XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXXAccount name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : 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 2025-05-16 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: EQUIFAX, INC.
State: MD

Complaint narrative:
To Whomever This May concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX Thanks, XXXX XXXX XXXX in Need of Deletion : Collections/ Charge offs 1. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$470.00} 2. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$110.00} Inquiries Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXX XXXX  Account Opened : XX/XX/XXXX Account name : XXXXXXXX XXXX  XXXX Amount XXXX : XX/XX/XXXX Account name : XXXX XXXX  Amount Opened : XX/XX/XXXX 5.Account name : XXXX XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXXXXXX XXXX Amount Opened : XX/XX/XXXX 7.Account name : XXXX Amount Opened : XX/XX/XXXX 8.Account name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX 9.Account name : XXXX Amount XXXX XXXX XX/XX/XXXX XXXXAccount name : XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXXAccount name : XXXX Card Amount Opened : XX/XX/XXXX XXXXAccount name XXXX XXXX XXXX Amount Opened : XX/XX/XXXX XXXXAccount name : XXXX Amount Opened : XX/XX/XXXX XXXX name : XXXX XXXX Amount Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am disappointed that my personal information is not correct on my consumer report. This is promoting neglect and inaccuracy. Please correct this issue. The ONLY address I have is listed on the form attached to this complaint. I was apart of identity theft years ago and I am just now able to read my report to see the incorrect information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Subject : Request for Debt Validation and Assignment Contract Pursuant to 15 U.S.C. 1692c- Account Number-zzz Dear Sir/Madam, I am writing to formally request, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, that you provide validation of the debt associated with the account number [ Account Number ] that your company is claiming. As per this statute, I am entitled to receive sufficient documentation to verify the legitimacy and accuracy of the debt.

Please provide the following : Purchase Agreemntt A copy of the original assignment contract between the original creditor and your company, showing your right to collect on this debt.

Transferof Assignment Documentation showing the chain of assignment from the original creditor to your company, including all entities that have owned or serviced the debt prior to your company.

If these two documents, or any other relevant documentation validating this debt, are not included in your files, or if you can not provide them, I request that you delete this account from my credit report immediately. This deletion should be reflected across all major credit bureaus, including XXXX XXXX XXXX XXXX 
Please provide this information within the 30-day period as stipulated by the Fair Debt Collection Practices Act. If I do not receive the requested documentation within that time frame, I will consider the debt invalid, and I will expect your company to cease reporting this information to the credit bureaus.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MA

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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Regulation E does not permit a financial institution to base its determination on speculation, assumptions, or subjective beliefs. A denial of reimbursement must be supported by objective, verifiable evidence. To date, XXXX XXXX  has failed to provide any such documentation, despite multiple requests. 

On XX/XX/2024, a check in the amount of {$18000.00} was issued to me as the result of a dispute I won. On XX/XX/2024, that checkalong with an additional check for $ XXXXwas fraudulently cashed in the name of another individual. I did not receive these funds, nor did I authorize or participate in their negotiation. 

I spoke with XXXX XXXX  escalations team, who confirmed that the checks were cashed by a womanclear, objective evidence that I was not involved. Nevertheless, I have been informed that XXXX XXXX believes I was complicit. To date, no evidence has been provided to support this claim.

Under 12 CFR 1005.11 ( d ), I am legally entitled to receive, upon request, all documents and materials relied upon in XXXX XXXX  determination. I have made multiple good-faith requests for this documentation, and XXXX XXXX continued failure to produce it constitutes noncompliance with federal banking regulations. So I ask can these materials be presented. Once again, As outlined in 12 CFR 1005.11 ( d ), I am entitled to receive : the results of [ the ] investigation and, upon request, the documents which the institution relied on in making its determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AL

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 XXXX 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 a 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 seven 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
I didnt understand that the payment terms were so high and that the interest isnt really an interest rate but a statement fee. I will never pay this off. Its over XXXX a month when I understood it to be XXXX or so a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

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 a 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 am disputing a XXXX late payment reported for XX/XX/XXXX on my XXXX  account on my Experian credit report. However, there is no XXXX late payment reported in the month prior ( XX/XX/XXXX ) or before. It is not possible to be XXXX  days late without first being XXXX  days late, which makes this reporting factually inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), which requires information to be accurate and complete. 
I submitted a dispute to Experian, but they " verified '' the inaccurate information without correcting it or explaining how a XXXX late payment can exist without a prior XXXX delinquency. 
I am requesting that this error be investigated thoroughly and that the XXXX late mark be removed from my report due to its clear inaccuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with 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