vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: NC

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 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 explanation
Consumer complaint received 2025-11-07 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: PA

Complaint narrative:
It is so upsetting to keep seeing these inaccurate accounts remain on my credit report despite everything Ive done to fix this. I am asking, please, to look through the documents I attached carefully so I can stop stressing and finally move forward without this burden.

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 2025-11-07 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: CA

Complaint narrative:
I am submitting this complaint to follow up on my previous disputes regarding inaccurate information on my credit report concerning my XXXX account ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$23000.00} ). Despite previous requests, this account continues to show incorrect late payments for XX/XX/year>XXXX  ( 30 days late ) and XX/XX/year>XXXX  ( 60 days late ), which do not reflect my actual payment history.According to my records, there were no late payments for these months. This inaccurate reporting has caused significant harm to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), and 611 ( a ), I have the right to request the correction of incomplete or inaccurate information and for the credit bureau to reinvestigate.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
United Wholesale Mortgage is refusing to adjust my taxes that I pay to them ( using a traditional escrow account ). XXXX XXXX in California has completed my VA Benefits reducing my taxes I owe on my primary residence but UWM continues to take the full amount of taxes from me on a monthly basis. I have asked them to adjust the amount to align with XXXX XXXX but they refuse to adjust the taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NV

Complaint narrative:
I am reporting inaccurate and incomplete information on the XXXX collection account. The account is reported differently across all three bureaus. The Date of Last Activity is different on each bureau ( TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX, Equifax : XX/XX/XXXX ), which is a major inconsistency. The Data Furnisher also reports different creditor types to each bureau ( Collection Services, Bulk Purchase Finance, Factoring Companies ). 

Equifax does not report a balance at all, while TransUnion and Experian show {$500.00}. The payment status field displays a system error code ( NotsatisfyingF20_TR ) instead of a valid payment status. In addition, no payment history or delinquency history is reported on any of the XXXX bureaus, which is required to validate a collection. 

This reporting is inconsistent, incomplete, and unverifiable, violating FCRA 602 ( A ), 607 ( B ), and 611. I am requesting that the CFPB require the furnisher and credit bureaus to correct all errors or delete the tradeline entirely if the information can not be verified accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX  Account number XXXX Account type XXXX XXXX Date opened XX/XX/XXXX Balance {$16000.00} Account name XXXX XXXX Account number XXXX Account type XXXX XXXX Date opened XX/XX/XXXX Balance {$33000.00} Account name XXXX  Account number XXXX Account type XXXX  XXXX  Date opened XX/XX/XXXX Balance {$31000.00} Account name XXXX XXXX Account number XXXX Account type XXXX  Date opened XX/XX/XXXX Balance {$20000.00} Account name XXXX Account number XXXX Account type XXXX  Date opened XX/XX/XXXX Balance {$38000.00} Account name XXXX XXXX  Account number XXXX Account type XXXX  Date opened XX/XX/XXXX Balance {$90000.00}

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 2025-11-07 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: GA

Complaint narrative:
I am sending to formally dispute several items currently being reported on my credit file that are inaccurate, incomplete, or unverifiable. The presence of these entries has caused harm to my creditworthiness and does not accurately represent my credit history. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these matters reinvestigated. Each item below contains serious reporting XXXXXXXX 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: MO

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by 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 non-monetary relief
Consumer complaint received 2025-11-07 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2025-11-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
This complaint is submitted by XXXX XXXX XXXX, XXXX, through its authorized representative XXXX XXXX, on behalf of XXXX XXXX, against TOYOTA MOTOR CREDIT for violating the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, including a formal second notice dated XX/XX/year>, TOYOTA MOTOR CREDIT continues to report an account without providing any proof of ownership or supporting documentation. Marking the account as verified without evidence is a willful and negligent act that disregards federal law. The companys refusal to comply has caused serious harm to the consumers credit, reputation, and financial standing.

The complainant demands that TOYOTA MOTOR CREDIT immediately provide full verification of the alleged account or permanently delete it from all credit reports. The CFPB is urged to take swift enforcement action to ensure compliance and hold TOYOTA MOTOR CREDIT accountable for its continued violations of the FCRA.

TOYOTA MOTOR CREDIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: NC

Complaint narrative:
This complaint is filed by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, the authorized representative for XXXX XXXX, against the Missouri Higher Education Loan Authority ( MOHELA ) for willful violations of the Fair Credit Reporting Act ( FCRA ). Despite receiving two formal dispute letters, MOHELA has failed to provide verifiable documentation or proof establishing ownership and accuracy of the disputed account ( # XXXX ). Instead, it continues to report unverifiable information to the credit bureaus, constituting negligent and willful non-compliance under FCRA 611 and 623. 

The consumers repeated requests for original signed documents and verification results have been ignored, showing MOHELAs disregard for federal obligations and consumer rights. Therefore, through authorized representative XXXX XXXX, the consumer respectfully requests that the CFPB compel MOHELA to provide full evidentiary proof or immediately delete the disputed tradeline from all credit bureaus. The consumer further demands written confirmation of compliance within 15 days, reserving the right to pursue civil remedies for continued non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I am sending to formally dispute several items currently being reported on my credit file that are inaccurate, incomplete, or unverifiable. The presence of these entries has caused harm to my creditworthiness and does not accurately represent my credit history. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these matters reinvestigated. Each item below contains serious reporting XXXXXXXX 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 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 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

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 2025-11-07 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: FL

Complaint narrative:
I am filing this complaint because TransUnion is reporting inconsistent and inaccurate information regarding a closed and fully paid account. The account shows a XXXX late payment, but the reporting dates and last activity dates do not match across the credit bureaus. TransUnion reports a last activity date of XX/XX/year>, while XXXX  and XXXX  show different dates. This inconsistency indicates that TransUnion can not accurately verify the date of last activity or the date the alleged late payment occurred, violating FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ).

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 2025-11-07 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: CA

Complaint narrative:
This complaint is being filed by XXXX XXXX XXXX, XXXX, represented by XXXX XXXX, on behalf of XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, California XXXX, against Experian for serious violations of the Fair Credit Reporting Act ( FCRA ). Experian has continued to report false and misleading information regarding an account reported by XXXX XXXX XXXX Account XXXX. XXXX ), which is shown as a Charge-Off with a {$0.00} balance and a remark stating Purchased by another lender. This reporting is inaccurate and deceptive. Once an account has been sold or transferred, the original creditor can not continue to report it as a charge-off, nor can a {$0.00} balance appear under derogatory status. Despite a formal written dispute submitted on XX/XX/year>, Experian has failed to correct or delete the erroneous tradeline, violating FCRA Sections 607 ( b ) and 611 ( a ), which require credit reporting agencies to ensure maximum possible accuracy and to reinvestigate disputed information within XXXX  days. 

Experians continued publication of this inaccurate data has caused material harm to the consumers credit profile, financial credibility, and opportunity to obtain credit. The agencys failure to properly investigate and correct this misleading information constitutes gross negligence and willful noncompliance with federal law. The authorized representative requests that the Consumer Financial Protection Bureau ( CFPB ) compel Experian to immediately correct or delete the inaccurate reporting of the Comenity Capital/ULTA account and update the record to show Transferred/Sold {$0.00} Balance, or delete it entirely if it can not be verified. Furthermore, Experian should provide written proof of the reinvestigation results, furnish an updated credit report to the consumer, and ensure compliance with FCRA procedures moving forward. This complaint is filed under the authority granted by the Consumer Authorization and Limited Assignment Agreement signed by XXXX XXXX on XX/XX/year>, authorizing XXXX XXXX XXXX, XXXX and XXXX XXXX to act on her behalf in filing disputes and complaints with federal regulators.

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 2025-11-07 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: IL

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 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