vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: MI

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) and for failing to resolve multiple disputes I have submitted over the past XXXX months. Despite sending numerous letters, each containing proper documentation, proof of identity, and detailed dispute information, the bureaus have continued to ignore their legal obligations and instead send back generic verified responses without providing the required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). 

This is the second consecutive month I have attempted to resolve these issues. In every letter I have sent, I have made it clear that I submitted these disputes myself and included all necessary supporting documents. Yet, the bureaus continue to falsely claim that an unauthorized third party is involved, a baseless and obstructive response that prevents the proper handling of my disputes. 

The following items remain inaccurate, unverifiable, or incomplete on my credit reports : Incorrect personal information : Multiple outdated or inaccurate addresses and employers. 

Collections and charge-offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Late payment records : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 

The bureaus have failed to provide : The specific method and process used to verify each disputed item. 

The full name, title, and contact details of the data furnishers. 

Documentation relied upon to confirm the accuracy of the disputed information. 

This failure violates 15 U.S.C. 1681i ( a ) ( duty to reinvestigate disputed information ) and 1681e ( b ) ( duty to ensure maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: MS

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) listed on my credit report. As per FCRA and FDCPA regulations, you are required to provide proof of debt validation within 30 days or remove the account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
The following account ( XXXX ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts.

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 2025-08-12 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: FL

Complaint narrative:
The following account ( XXXX ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following accounts were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. XXXX bureau found the information to be incorrect and removed the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXX XXXX XXXX XXXX : {$26000.00} 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 explanation
Consumer complaint received 2025-08-12 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:
The following accounts were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. XXXX bureau found the information to be incorrect and removed the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXX XXXX XXXX XXXX : {$26000.00} XXXX XXXX XXXX XXXX XXXX : -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed 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 disputed 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 2025-08-12 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: TX

Complaint narrative:
I discovered multiple hard inquiries on my credit report that I did not authorize, initiate, or have any knowledge of. These inquiries appear to be the result of fraudulent activity and identity theft. The institutions listed below show hard inquiries on my credit file that I never requested and for which I never applied for credit : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX XXXX/EQUIFAX XXXX XXXX XXXX, XXXX XXXX MA XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ) XXXX I have no relationship with these companies in connection with the inquiries shown. I have never applied for any credit or services from them on the dates in question. I believe someone used my personal information without my knowledge or consent to attempt to obtain credit in my name. 

I have contacted the banks and the credit reporting bureaus to dispute these inquiries, but no corrective action has been taken. These inquiries are damaging my credit and are the result of fraud. I am filing this identity theft report to have them removed and to prevent further misuse of my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc.
State: MI

Complaint narrative:
Was offered {$500.00} XXXX, accepted and now owe twice the original amount. Agreed to pay on the first of XXXX, they tried on the first day, then kept trying to get {$460.00} every day, multiple times a day on the first, then got their money on the XXXX of XXXX, and put my bank account in the negative.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX. DOB : XX/XX/XXXX. SSN : XXXX. Experian membership email : XXXX. Im unable to log into my experian membership. I tried clicking on forgot password and forgot username. It does not allow me to input my security question answer or PIN. When I input the one-time passcode I receive to my email address, it doesnt work and I get a message to call Experians membership department. I called Experian on XX/XX/XXXX, on or about XXXX XXXX. PDT. The IVR goes in circles and does not transfer to a membership agent upon request. The IVR will then disconnect. I called experian on a business day during hours of operation. I then called the dispute department and spoke to a female agent in Texas by the name of XXXX. I told her about the problems Im having with Experians IVR and despite that, she refused to warm transfer to membership. She then transferred to the IVR and it went in circles and disconnected. Please correct your IVR so I can speak to a membership agent or I will retain an attorney and file legal action. See Experian escalation ticket no. : XXXX. This is not a credit dispute. Do not file a dispute. This is not a request for my credit report. Do not send my credit report. In addition, do not reply with a canned response. 
cc : CFPB, FTC 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 2025-08-12 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment entries reported on my TransUnion credit file by XXXXXXXX XXXX XXXX XXXX ( account ending in XXXX ), XXXX XXXX XXXX ( account ending in XXXX ), and XXXX XXXX XXXX ( account ending in XXXX ). These entries include late dates ranging from XX/XX/XXXX to XX/XX/XXXX. I firmly dispute these entries, as they are not the result of any failure on my part to make timely payments. Instead, they stem from internal reporting errors by the furnishers themselves. 

I formally raised this dispute with TransUnion, citing my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, under 1681i, TransUnion is required to conduct a reasonable reinvestigation of disputed information and delete or correct any data found to be inaccurate, incomplete, or unverifiable. Additionally, under 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, TransUnion has not removed the erroneous entries or provided sufficient verification. 

In my dispute, I requested that TransUnion delete all inaccurate late payment entries, disclose the name and credentials of the individual who verified the entries, explain the exact method of verification used ( including access logs or documents reviewed ), and provide copies of any records that support the claim that my payments were actually late. To date, these requests have not been adequately addressed. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion and the furnishers comply with the FCRA. These entries are unverifiable and must be deleted. If this inaccurate reporting is not corrected within the statutory period, I intend to pursue all available remedies under FCRA 1681n and 1681o, including monetary damages for willful or negligent noncompliance.

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 2025-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
" The assertion that the mortgagor failed to pay monthly installments due under the note, with the loan becoming due on XX/XX/XXXX, and an outstanding principal balance of {$140000.00}, is contested. The following chronology of events demonstrates otherwise : XXXX - XX/XX/XXXX : XXXX XXXX statements for XXXX, XXXX, and XX/XX/XXXX ( attached as XXXX WellsFargo.pdf ' ) show the mortgage as current during this period. 

XX/XX/XXXX : XXXX XXXX issued a 'Goodbye Letter ' ( attached as XXXX XXXX ' ), informing the mortgagor that Specialized Loan Servicing ( SLS ) would be the new loan servicer. 

XXXX - XX/XX/XXXX : XXXX XXXX granted the mortgagor forbearance due to the XXXX pandemic. XXXX subsequently honored and extended this forbearance, as confirmed by an email dated XX/XX/XXXX ( attached as 'forebearance.pdf ' ). 

XX/XX/XXXX : Upon exiting forbearance, XXXX instructed the mortgagor to apply for a mortgage loan modification. The mortgagor was approved for this modification and directed by XXXX to make XXXX payments ( attached as XXXX ' ), which were duly made, completing the requirements for the modification. 

Subsequent Months : Following completion of the modification requirements, XXXX ceased communication, failed to send final modification documents, and subsequently initiated foreclosure proceedings on a property the mortgagor had consistently paid on for nearly 20 years. ''

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 2025-08-12 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have an XXXX XXXX XXXX issued by Synchrony Bank. On [ XX/XX/year> ], I attempted to purchase a [ XXXX XXXX ] on XXXX and was offered a financing option at checkout : $ XXXX for 12 months with my XXXX Secured XXXX XXXX 

When I tried to use this option, I was told by XXXX XXXX XXXX customer service that it was not available. This contradicts the clearly advertised benefit and constitutes false advertising and misrepresentation. 

This practice misleads consumers into believing the card includes financing benefits that are then denied at point of use. It is unfair, deceptive, and damaging to consumers who make purchasing decisions based on the advertised terms. I am requesting investigation and enforcement action.

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 2025-08-12 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: TX

Complaint narrative:
I discovered multiple hard inquiries on my credit report that I did not authorize, initiate, or have any knowledge of. These inquiries appear to be the result of fraudulent activity and identity theft. The institutions listed below show hard inquiries on my credit file that I never requested and for which I never applied for credit : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX XXXX/EQUIFAX XXXX XXXX XXXX, XXXX XXXX MA XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX ) XXXX I have no relationship with these companies in connection with the inquiries shown. I have never applied for any credit or services from them on the dates in question. I believe someone used my personal information without my knowledge or consent to attempt to obtain credit in my name. 

I have contacted the banks and the credit reporting bureaus to dispute these inquiries, but no corrective action has been taken. These inquiries are damaging my credit and are the result of fraud. I am filing this identity theft report to have them removed and to prevent further misuse of my personal 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 2025-08-12 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: NY

Complaint narrative:
I recently obtained copies of my credit reports from Experian, Equifax, and TransUnion. Upon review, I found several inaccuracies, including unauthorized accounts and incorrect information being reported. These errors have had a negative impact on my credit health and personal life. 

Despite prior attempts to resolve these issues directly with the reporting agencies, the matter remains unresolved. Under my rights provided by the Fair Credit Reporting Act ( FCRA ), I am formally requesting : An immediate reinvestigation of all disputed items. 

The removal or correction of all inaccurate, incomplete, or unverifiable information from my credit file. 

Enclosed are copies of documents supporting my dispute, including proof of identity and any relevant account records. 

Please provide me with : Written confirmation of your investigation results. 

A copy of my updated credit report reflecting the changes. 

The FCRA requires that you complete this investigation within XXXX days of receiving my dispute. Failure to comply may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

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 explanation
Consumer complaint received 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following accounts were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. XXXX bureau found the information to be incorrect and removed the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXX XXXX XXXX XXXX : {$26000.00} 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