vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
Hi XXXX  purposely never changes my account balance once i pay my credit card off they do not update they report within a reasonably amount of time. This has been an ongoing issue with XXXX  for a year now my XXXX XXXX Credit Card balance have been the same and have been change to a XXXX balnce in months .this is not an oversite they just dont do thier job keeping my score to not show a favorable score rating

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 2025-08-21 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:
These faulty records must be discovered and eliminated within 15 days in compliance with USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-21 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:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and XXXX XXXX reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA XXXX ( b ) and XXXX, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA XXXX and XXXX, which entitles me to statutory, actual, and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
I am filing a complaint against Experian Information Solutions , Inc. and multiple furnishers for violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting guidelines. 

My Experian credit file ( Report # XXXX, dated XX/XX/year> ) contains inaccurate, incomplete, and unverifiable information despite prior disputes. The following accounts are reported improperly : XXXX XXXX XXXX charged off and purchased by another lender with a {$0.00} balance. Metro 2 prohibits simultaneous charge-off and transfer reporting. 

XXXXXXXX XXXX XXXX XXXXXXXX Marked paid/closed but continues to report delinquencies ( 3060 days past due ). Unverifiable. 

XXXX XXXX Reports both closed at consumers request and past due/balance owed. Contradictory and misleading. 

XXXX XXXX Reports charge-off with balance still due. If debt was sold, balance can not be reported. 

XXXX XXXX XXXX Reports charge-off with {$0.00} balance while marked purchased by another lender. Improper. 

XXXX XXXX XXXX Reports charged off / {$1400.00} written off while still showing {$1400.00} past due balance. This is materially misleading.

These tradelines violate : FCRA 607 ( b ) ( reasonable procedures for maximum accuracy ) FCRA 611 ( duty to reinvestigate and delete unverifiable information ) FCRA 623 ( furnisher duty to report accurate, complete data ) FDCPA 807 ( false or misleading representation of debt ) Metro 2 ( prohibition of reporting charge-off + transferred/sold status concurrently ) I have disputed these items with Experian multiple times. Instead of correcting or deleting them, Experian continues to update the same inaccurate data, effectively re-verifying unverifiable accounts. This constitutes willful noncompliance with federal law.

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 2025-08-21 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: LA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent all the information that they asked for they have barley XXXX speaking customer support agents in a very loud call center they still have not unlocked my online account where I can see my score and report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Citizens Bank mortgage is not applying payments to interest to correctly. I tried to speak to them about it on XX/XX/year> but what told that is the way we do it. I advised them that if this is the way they are calculating interest it can result in a class action suit but it had no impact. I spoke to a representative who transferred me to a supervisor by the name of " XXXX '' ( who says she is the only person that works for Citizens with that name ). 
Specifically, on XX/XX/year> I made a payment after determining that the accrued interest is {$270.00} ( via a loan payoff quote obtained from Citizens ). The amount applied to interest from the payment is {$410.00}. This creates an overcharge of interest month after month, year after year, for up to 30 Years ( given the loan term ) on all loans because the principal is not reduced accurately allowing them to charge interest on the higher principal balance. Over the life of the loan this can equate to XXXX XXXX XXXX  per loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-08-21 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 summary of my credit history is misleading and not reflective of reality.

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 2025-08-21 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
Dear XXXX XXXX, I hope this email finds you well. I am writing to respectfully request your attention to a goodwill adjustment regarding my account with OneMain Financial. Attached is a formal letter outlining my situation and request for consideration. 

Over the years, I have made substantial payments on this loan, which was taken under urgent health circumstances. Unfortunately, the high interest rate and lack of refinancing options have made this burden difficult to manage, and it is now impacting my ability to secure a home for my growing family. 

I would be truly grateful for your review of my request and any support you can provide. 

Warm regards, XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX This was sent to the president 's office in which they denied me. I was charged over 30 % interest in which I had been paid off XXXX more than what it should have been or more. I should not have to pay anything instead of working with me they only did a settlement which I'm not truly satisfied with. 

Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me XXXX  because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

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 2025-08-21 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: MD

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 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 2025-08-21 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: TX

Complaint narrative:
Per USC 1681g, these false accounts must be recognized and cleared within 15 days of being notified.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax data breach XXXX first I never got a notice of the data breach from you to fill a claim,. i filed a FTC report identity theft XXXX there are individual Fraud i filed fraud reports on first 4 account listed and now again identity theft I filed FTC and Through the CFPB both government agencies on this matter 15 USC 1681c-2 block of information resulting from identity theft please respond through the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NV

Complaint narrative:
The financial picture painted here is inconsistent with my real credit habits.

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 2025-08-21 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: CA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint because my credit report with TransUnion contains multiple inaccuracies in my personal information that must be corrected immediately, as required under the Fair Credit Reporting Act ( FCRA ). Despite providing valid documentation, my file continues to show incorrect name variations, outdated or unauthorized addresses, and inaccurate employer information. 

Name Correction : The correct and only legal spelling of my name is XXXX XXXX XXXX. Any other name variations, misspellings, or incorrect entries must be permanently deleted. ( Proof attached : [ provide appropriate ID, e.g., Social Security Card ] ) Address Correction : The only valid address associated with me is : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Any other outdated, incorrect, or unauthorized addresses should be deleted accordingly. Some addresses listed no longer belong to me, and I simply seek for my personal information to reflect maximum accuracy. ( Proof attached : Proof of Address ) Employer Correction : The employer information currently reported is incorrect. My only valid employer is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and any other listed employer must be removed immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the maximum protection and accuracy regarding the personal information reported on my credit file. Specifically : 15 U.S.C. 1681e ( b ) : Requires that consumer reporting agencies follow reasonable procedures to assure the maximum possible accuracy of the information they report. Failure to maintain accurate records, such as listing incorrect names, outdated addresses, or inaccurate employment information, violates this obligation and can seriously impact a consumers financial standing.

15 U.S.C. 1681i ( a ) : Mandates that upon receiving a dispute, credit bureaus must conduct a prompt and thorough reinvestigation to verify the accuracy and completeness of the disputed information. If the information can not be verified, it must be corrected or deleted without delay. This ensures that consumers are not burdened by incorrect or unverifiable data. 

15 U.S.C. 1681b : Limits the furnishing of consumer information strictly to those who have a permissible and authorized purpose. Any inclusion or reporting of unauthorized information such as outdated addresses or inaccurate employer records not only compromises consumer privacy but also constitutes a breach of this federal requirement.

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 2025-08-21 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: MS

Complaint narrative:
I am requesting a reinvestigation of every item on my current credit report pursuant to Section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). Under this section, you are federally mandated to obtain verification of the accuracy and completeness of all information in my file. If any portion of my credit reportsuch as accounts, judgments, balances, payments, late payments, or account historycannot be verified as 100 % accurate and complete, I am requesting that it be deleted or modified immediately. The disputed items are listed in the attached document.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
I was trying to buy a house and realize I had damages on my credit report and according to 15USC and 1681g there should be be no damages on my credit report its a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the reporting of a fraudulent account that has been mistakenly included in my credit file. I have no connection to this account, and its presence is entirely unauthorized and false.

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