vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX XXXX all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-07-31 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: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the XXXX timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NJ

Complaint narrative:
I am formally requesting the immediate deletion and permanent blocking of the following fraudulent accounts and inquiries from my consumer file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including 1681c2 and 1681b ( c ), and in light of the enclosed FTC Identity Theft Report : Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Action Demanded : Block and remove all the above-referenced fraudulent accounts and inquiries from my report Send me a confirmation of the deletions and an updated credit file within 15 business days of receipt of this letter and identity theft documentation If you are unable to comply, provide a written explanation of the legal basis for refusal, which will be forwarded to regulatory authorities Failure to act within the timeframe allowed under 15 USC 1681c2 will trigger additional complaints to the CFPB, FTC, XXXX and appropriate state Attorney General offices , and may result in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-31 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:
This record of late payments is erroneous and does not accurately reflect my regular payment patterns. I have consistently made my payments on time, and I ask that it be deleted to guarantee that my account is reflecting correct 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-31 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: IN

Complaint narrative:
I found multiple inaccurate and harmful entries that I have already disputed several times without receiving proper validation or correction. For example, an installment account from XXXX XXXX XXXX, reported under two different account numbers, reflects derogatory status and alleged late payments, yet no documentation has ever been provided to verify the debt or explain the duplicate reporting. Similarly, two XXXX XXXX accounts are showing late payments and charge-off statuses, despite the fact that I have documentation indicating that payments were made as agreed. Additionally, a lease account from XXXX is being reported negatively without a copy of the original lease or a breakdown of payments. Several collection accounts, including those from XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, remain on my report even though no original agreements or proper validation of the debts have been provided. I also identified inconsistencies in personal information, including numerous incorrect variations of my name, and a number of unauthorized inquiriesparticularly from auto lenders and credit card companiesthat I never initiated or approved. Despite multiple rounds of dispute, these issues have not been resolved or substantiated. I am now requesting a reinvestigation and permanent removal of any items that can not be fully validated according to 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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
On the XXXX there were XXXX declines from XXXX play for XXXX on the XXXX there were XXXX of the same declines. Later that day on the XXXX there was a charge for XXXX XXXX for XXXX that charge was canceled. Then there's a charge for XXXX XXXX XXXX for XXXX. Also a charge for SP Laced up for XXXX. These last XXXX charges were immediately disputed. I canceled the card. Changed password and whatever else I needed to do. The people at Cash app support acted like is was just another day in the park. The charge for XXXX came to be resolved on the XXXX. The email stated that it was resolved and I was refunded {$1.00}. All of these charges are fraud. I went to cash app support as soon as I seen it and asked how. The advocate I was chatting with asked what the problem was with it. Then finally at the end says that he can not discuss disputes on chat. Everywhere you look for contact info it says cash app support on the app. So I was told I'd be emailed a reason for the decision. I got a email stating I needed to submit all the information so they could find the dispute. So I did. Now they say they can not tell me why as I disputed it again. They also have stated that it will be on the XXXX of XXXX that they will have a answer. That's just a couple days over the 10 day period that law allows. Everytime I speak with them they give me run arounds or have a smart mouth. Customer service sucks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: MI

Complaint narrative:
On XX/XX/year>, before we even started the credit application process, I clearly told XXXX XXXX XXXX XXXX XXXX XXXX that I only wanted my credit pulled from two specific lenders : XXXX XXXX and XXXX. I even wrote it down still on the credit application in comment section that stated I only authorize XXXX and XXXX XXXX to be pulled ONLY. Despite this explicit instruction, the finance staff insisted that limiting credit pulls to only those two was not possible or not allowed. Regardless, multiple unauthorized lenders ended up pulling hard inquiries on my credit report. After written and multiple verbal demands then he started saying things about a class action lawsuit and how now that credit inquires have to be off the credit report within 45 days. He was very misleading on purpose and he claimed that we were on a recorded line and if we were, you will see how condescending he was, and that he even claimed to be doing this a long time and claimed that we were on a recorded line, so I want those records because I remember exactly what he said to me and the conversation was definitely misleading, but regardless of the fact, I told him only those two When I confronted the finance representative over the phone, he falsely claimed that because the inquiries were made within a 45-day period, all lender pulls would roll into one hard inquiry and only count as one hit on my credit. He insisted he had been doing this for years and that it was standard practice. This statement is factually incorrect and misleading, as under the Fair Credit Reporting Act, each lender must have explicit authorization to pull a credit report, and multiple unauthorized inquiries are violations regardless of timing. The reps attempts to deny these misrepresentations despite being recorded show clear bad faith. I requested immediate removal of the unauthorized inquiries and a copy of the recorded phone call, but my concerns were dismissed. This conduct is a willful violation of the FCRA, causing potential and actual damage to 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 explanation
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
I am writing to formally file a complaint against my current mortgage servicer, CrossCountry Mortgage, for failure to fulfill their obligation to pay property taxes from the escrow account they manage on my behalf. 

On XXXX, I received an overdue property tax notice from the XXXX XXXX XXXX  Department of Finance , stating that my property taxes were more than one month past due. This was alarming, as I consistently make monthly mortgage payments that include escrow specifically for the payment of property taxes.

When I contacted CrossCountry Mortgage, they initially denied responsibility but later admitted that they are indeed responsible for settling the tax payment. However, they failed to provide a timeline for when the payment would be made.

I followed up again today after four business days and was told that they still have no clear information or resolution. Furthermore, they refused to open an internal service request or provide written confirmation that the matter is being handled.

Given that the taxes are more than one month overdue, I now believe this issue may have originated while my mortgage was still being serviced by XXXX XXXX, before the loan was transferred to CrossCountry Mortgage. Regardless of origin, the current servicer has not demonstrated any urgency or transparency in addressing the issue.

This situation raises serious concerns about the ethical handling of escrow funds and may reflect a broader systemic issue affecting other borrowers. As a homeowner, I should not be at risk of penalties or credit harm due to negligence or mismanagement by my mortgage servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: TX

Complaint narrative:
XX/XX/XXXX Loancare doubled my Mortgage loan payment from XXXX to XXXX a month. They added property taxes which I dont own since I am 100 % XXXX Veteran in Texas dont pay property taxes. I called every week, month and they kept giving me the run around for over a year. Now I own {$49000.00} to reinstat my loan and they have {$9000.00} of XXXX property taxes plus XXXX soon. This has not helped me at all by a modification payment from XXXX to XXXX thats a {$800.00} increase because they said since its a VA loan they cant add this debt to the end of my current loan. My interest rate it under 6 %. I am a student due to being unable to work and kids who live in my home. I have tried to contact my Mortgage company but they have not helped at all.

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 2025-07-31 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: VA

Complaint narrative:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX card-opened XXXX XX/XX/XXXX PORTFOLIO XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  -collection -opened in XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) -collection -opened in XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) -collection -opened in XX/XX/XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) -collection-opened in XX/XX/XXXX And the following inquiries were XXXX never authorized by me and are fraud too : XXXX inquiried on XXXX XXXX XXXX XXXX inquiried on XX/XX/XXXX AMERICAN XXXX inquiried on XX/XX/XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried XXXX XX/XX/XXXX FIRST XXXX inquiried on XX/XX/XXXX These items were added to my credit report without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief