vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Failure to Remove Identity Theft Items from Credit Report in Violation of FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally lodge a complaint against Equifax, Experian, and TransUnion for their failure to comply with federal law under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the timely blocking of information that results from identity theft.

I previously submitted valid documentation to each of the three nationwide credit reporting agencies, including : - A copy of my government-issued identification ; - Proof of my current mailing address ; - A properly completed Identity Theft Report as defined by the FCRA ; - A written statement identifying each fraudulent item and requesting their removal. 
Despite fulfilling all statutory requirements and providing timely documentation, the fraudulent and identity theft-related items continue to appear on my credit reports. According to FCRA Section 605B, the credit reporting agencies are legally required to block this information within four ( 4 ) business days. Your failure to do so is a direct violation of federal law. 
This noncompliance has caused the following harm to me : - Denial of credit and financial services ; - Increased interest rates on loans and credit cards ; - Emotional distress and mental anguish ; - Damage to my personal and financial reputation. 
I demand the immediate and permanent removal of all fraudulent items and inquiries, and request : 1. Written confirmation of the removal ; 2. Notification to any party that received my credit report within the last 12 months ; 3. A written explanation for the delay and noncompliance.

If not resolved immediately, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may pursue legal remedies under 15 U.S.C. 1681n and 16810.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I went to a XXXXXXXX XXXX XXXX XXXX XXXX in XXXX to get tires. I was approved for easy pay finance for a total of XXXX XXXX dollars. Guy was really nice we ended up getting brakes done and got a battery and an oil change. Cool! Great. Pretty low bi weekly payment. Signed some paperwork the guy told me if I pay it off in 90 days it would have like no interest or something. What he didnt tell me and it may be my fault for not reading the fine details but I would be paying a total of XXXX XXXX dollars for a XXXX loan. I have already paid over XXXX towards the loan and today I checked my account and I owe already more than the original loan! After paying XXXX I still owe XXXX. Was not at all aware of the 130 % interest rate! That is beyond crazy and cruel. Should be illegal. I no longer want to pay another dime to this easy pay unless they drastically lower that 130 % interest rate. Please help. Any advice would help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
Dear CFPB Representative, I am filing a formal complaint and dispute regarding an account that has been fraudulently reported on my credit file. The account details are as follows : Account Type : Revolving account Account Status : Closed / Charged off as bad debt Creditor : [ Insert Name of Creditor or Furnisher if available ] Date Opened : XX/XX/XXXX Balance : {$350.00} Credit Limit : {$350.00} Last Payment Reported : XX/XX/XXXX Last Reported : XX/XX/XXXX Comments : Dispute resolved reported by grantor I am asserting that this account does not belong to me and is the result of identity theft. I never applied for, opened, or used this account. Despite previously disputing this with the credit reporting agency, the creditor continues to report the account inaccurately, stating the dispute is resolved without providing any validation of the debt or acknowledgment of identity theft. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that this account be fully removed from all credit reports immediately due to fraud. 


I ask the CFPB to investigate this matter and hold the furnisher and credit bureaus accountable for continued inaccurate and damaging reporting. I am also requesting that any further collection activity cease immediately under my rights provided by federal law. 

Thank you for your prompt attention to this matter.

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 2025-07-21 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Subject : Formal Dispute of Fraudulent Accounts FCRA 611 ( 15 U.S.C. 1681i ) T I am writing to dispute inaccurate and fraudulent information listed in my consumer file. I am a victim of identity theft and have discovered multiple accounts reported under my name that I did not open, authorize, or use. These accounts were fraudulently created without my consent, and I am requesting their immediate removal under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I am disputing the following accounts : XXXX XXXX XXXX  XXXX XXXX : XXXX Account # : XXXX Contribution Ref # : XXXX Incident Date : XX/XX/XXXX Reason : Checking Account Fraud XXXXXXXX XXXX XXXX Routing # : XXXX Account # : XXXX Opened : XX/XX/XXXX | Closed : XX/XX/XXXX XXXX XXXXXXXX XXXX Routing # : XXXX Account # : XXXX XXXX : XX/XX/XXXX Current Status : Dormant/Inactive XXXX XXXX XXXX XXXX Routing # : XXXX Account # : XXXX Opened : XX/XX/XXXX | Closed : XX/XX/XXXX These accounts were not opened or authorized by me, and I am not liable for any transactions, fees, or negative history associated with them. Under FCRA 611, I request a reinvestigation of this data and the immediate removal of any unverifiable or inaccurate information from my file.

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 2025-07-21 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consummer Financial Protection Bureau has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts as experian 's inaction violates federal law and my rights 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 explanation
Consumer complaint received 2025-07-21 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: MO

Complaint narrative:
I am requesting the Consumer Financial Protection Bureaus immediate intervention regarding multiple XXXX  ( XXXX XXXX XXXX  ) accounts that are being reported inaccurately and unlawfully on my credit reports with all three major bureaus. Despite my formal disputes and the submission of documentation, these accounts remain on file with falsified data, including incorrect balances on closed accounts, contradictory payment statuses, and fabricated late payment history after account closure. Furthermore, the bureaus and XXXX have failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i ( a ), and have ignored my prior dispute history by omitting the mandatory Metro 2 Compliance Condition Code ( Field 43 ). Their actions constitute negligent and willful violations of the FCRA, and I have also filed a complaint with the FTC that has been blatantly disregarded. The reporting is damaging, inaccurate, and fraudulent in nature, and has materially harmed my credit standing.

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 2025-07-21 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: NC

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
I reached out to Planet Home Mortgage on XX/XX/year> to ask about options for a mortgage payment I anticipated that I would miss because of an unexpected expense. I reached out via phone and was put in a queue where I was on hold for XXXX minutes before it was disconnected. I used their chatbot to see if I reach them that way and was told to email them. I emailed them and got a response that it would take XXXX business days to response. At XXXX business days I emailed again and got the same response. I called in on XX/XX/XXXX and was told there's nothing they can do for me until I'm 31 days past due. They did not offer any forbearance options initially. They told me the only thing they could do is a loan modification. I asked to speak to a supervisor and the representative transferred me to an entirely different department rather than a supervisor. 

The new department told me about forbearance options after I asked specifically. They told me that they can't protect my credit and that they would go out of their way to report to the credit bureaus. They said they * have to * do that per FHA guidelines. However the guidelines state that it's up to the servicer, so they misrepresented the guidelines. When pressed on this ( after finally talking to a supervisor ) she stated that this is an active choice that they make. They feel it's not a penalty for borrowers who are struggling, despite the impact it makes on their financial stability. The fact that they could, with a straight face, say it's not a penalty speaks volume about their honesty and integrity in this process. 

The reality is that Planet Home Mortgage was not a servicer I selected. I had a lower credit score and they very quickly bought the loan out from my original provider. Their goals are clearly to put customers in a poor financial situation so that they remain trapped in high interest loans and can't refinance to escape them. It is predatory, plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} INQUIRIES : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MS

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

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

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: BYS, LLC. d/b/a Boost Your Score
State: NY

Complaint narrative:
The company has not been correctly reporting the status of my payments for more than 6 months. My credit report only reflects an initial payment and balance, but no updated payments and balance. I called multiple times about this to which they said they are reporting to three credit bureaus ( XXXX XXXX XXXXXXXX XXXX ) but do not have control over reporting. I have checks my credit report for all three, for which there are no updates to the loan/payments. The loan commenced in XX/XX/year>, so no updates for greater than 6 months. They also said I missed an initial payment, and charged late fees, but did not notify me of this until I inquired, despite my report reflecting an initial on time payment. So im concerned about their reporting, notification, and transparency practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
My credit info from the credit bureaus was involve in the XXXX  data breach. And I would like to dispute everything thats on my credit report. Tried to dispute with the credit bureaus but had no luck.

Company response to consumer: Closed with explanation