vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: NJ

Complaint narrative:
I am formally disputing the following accounts, which have been reported inaccurately and without verified lawful authority : XXXX XXXX XXXX  XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2, and in accordance with Metro 2 compliance standards, I demand the permanent deletion of these accounts from my credit file unless you can provide : Full factual validation of the debt, including a signed contract bearing my wet signature.

Proof of a permissible purpose for reporting or accessing my credit information, under FCRA 1681b.

A full breakdown of account ownership, payment history, and itemization of charges that complies with Metro 2 reporting guidelines.

A notarized affidavit from a person with firsthand knowledge of the alleged debt, stating the legal origin and legitimacy of the claim.

If you can not provide this documentation within 20 calendar days of receipt of this letter, I demand the immediate and permanent deletion of all related data from all consumer reporting agencies and any third-party data furnishers.

Failure to comply constitutes willful noncompliance with federal law, subject to civil liability under FCRA 1681n, and may result in legal action for defamation, financial injury, and violations under 18 U.S.C. 1001 and 18 U.S.C. 1341 ( fraud by wire/mail ).

This is a final opportunity to correct and delete these unverified, inaccurate, and damaging entries. I expect written confirmation and an updated credit report reflecting the removal of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FIRST ADVANTAGE CORPORATION
State: WA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act due to an adverse employment decision taken by XXXX XXXX, based on a background check prepared by First Advantage ( Case ID XXXX ). 

On XX/XX/year>2025, I received a pre-adverse action notice from XXXX. That same day, I submitted documentation from my defense attorney clarifying that the charge referenced was resolved through a deferred adjudication meaning no conviction or guilty plea was entered. Under FCRA, this should not be treated as disqualifying. 

Despite submitting this evidence promptly, XXXX issued a final adverse action on XX/XX/year>2025, without any acknowledgment of my dispute or individualized assessment. 

This violated FCRA ( 15 U.S.C. XXXXb ( b ) ( XXXX ) ), which requires employers to provide a meaningful opportunity to respond before taking adverse action. First Advantage failed to update the report contextually or flag the dispute in its updated version. 

I am seeking enforcement action and remedies due to reputational harm, loss of employment opportunity, and procedural violations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
We received a letter dated XX/XX/XXXX from XXXX XXXX of XXXX telling us that Mr. Cooper, our mortgage company, did not pay the XXXX XXXX XXXX which was due in XXXX, XXXX. They were requiring us to pay the tax and late fee before XX/XX/XXXX. We immediately forwarded this letter to Mr. Cooper who told us they would look into it. After requesting an update a few times in XXXX, XXXX, and XXXX without receiving any confirmation as to whether Mr. Cooper would pay the tax bill, on XX/XX/XXXX we paid the tax bill and late fee out of our pocket by check in order to pay before XXXX XXXX refused to accept payment by check. In XXXX, XXXX, we received the XX/XX/XXXX letter from Mr. Cooper explaining what occurred and that they would pay our tax bill with the late fee coming out of a separate account owned by Mr. Cooper. I called XXXX XXXX XXXX XXXX requesting that my payment be reimbursed to me and was told that the check from Mr. Cooper had already been sent back to them because we paid the taxes first. We contacted Mr. Cooper in XXXX, XXXX with this information. They said they would look into it ; yet it is the end of XXXX and we have heard nothing. We are requesting our Payment in the amount of {$2200.00} be reimbursed plus interest as we have done everything we can to get our money back and Mr. Cooper just keeps stalling. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, 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 2025-06-26 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: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, 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 non-monetary relief
Consumer complaint received 2025-06-26 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: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC XXXX. 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 explanation
Consumer complaint received 2025-06-25 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: KY

Complaint narrative:
There are multiple accounts on my credit reporting that have fraudulent charges on them. I have disputed these charges and sent documentation proving I could not have used or had access to my accounts for the past 3 years. They did nothing to honor my disputes when clearly one can see that I was XXXX XXXX XXXX XXXX during the time my credit cards were being used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: CA

Complaint narrative:
Company violated the privacy act of 1974 also IRS code for creating a hindrance for me and my family by reporting a property on my credit profile

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 2025-06-25 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: CA

Complaint narrative:
Company violated the privacy act of 1974 also IRS code for creating a hindrance for me and my family by reporting a property on my credit profile

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX I sent a letter requesting validation of an alleged debt by Aidvantage. Proof that the debt was never settled, transferred, assigned, sold, or securitized. Proof that funds originated from Aidvantage and not the note drawn by the principal/borrower. Proof of ownership of the note, with chain of title/custody. GAAP accounting records including origination, funding, and all relevant accounts, sub-accounts, ledgers, and proceeds. Proof that I authorized Aidvantage to report or publish private educational records. Copies of signed privacy policy and opt-in notice. Request to correct credit reporting information and opt-out of publishing future private educational records with any third party or affiliate of Aidvantage. I also sent copies to XXXX, XXXX, and XXXX  dispute addresses with correspondence requesting the bureaus to remove the protected information from my profile/report. 

After 30 days I received no response from any of the companies addressed, and no update to my credit reporting information. So I called AIDVantage and was passed around multiple departments and extensions before I was hung up on. I called back, and had the exact same experience. 

After 45 days I sent a follow up letter to the office of the president demanding the documents and accounting previously requested. This time I sent certified mail so they can not ignore my letters, but now they are refusing service of my mail and not signing for it or allowing it to be delivered. 

Please help me enforce my rights and all relevant codes and regulations concerning this matter, and have AIDvantage and XXXX  respond to my demands, correct the inaccurate credit reporting of private educational records, and pay statutory damages due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-25 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: GA

Complaint narrative:
I recently received a copy of my credit report and noticed many inaccuracies and unauthorized accounts/information to my credit report. These remarks have been ruinous to my life and credit health.

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 2025-06-26 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:
Please accept this letter as a formal dispute regarding multiple accounts reported on my credit file that I did not open or authorize. I believe these are fraudulent entries that may have resulted from identity theft.

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 2025-06-25 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 accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. 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 to be removed/updated. 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. 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!

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 2025-06-25 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: MD

Complaint narrative:
I am a victim of identity theft, and there are numerous unauthorized hard inquiries on my credit report that I did not initiate or consent to. These inquiries were made by various lenders and institutions without my permission. 

I have submitted an official identity theft report to the FTC, along with my government-issued ID, Social Security card , and a bill to Equifax, Experian, and TransUnion. Despite providing all required documentation and referencing my rights under FCRA Section 605B, Equifax, Experian, and TransUnion has refused to block or remove the fraudulent inquiries. They continue to claim the FTC report is unclear, although I have clearly identified each inquiry as unauthorized. 

Here is the list of fraudulent inquiries that I am requesting to be removed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting that the CFPB investigate Equifaxs noncompliance with FCRA 605B and require them to block these unauthorized inquiries as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
I am submitting this complaint against XXXX XXXX XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding an account they are reporting to the credit bureaus. 

I formally requested that XXXX XXXX XXXX verify the validity of an account they are reporting on my credit report. Under Section 611 of the FCRA, if a consumer disputes the accuracy of any item on their credit report, the furnisher of the information must conduct a reasonable investigation and verify the account. If they can not verify it, they are required to remove it. 

Despite my written dispute and request for verification, XXXX XXXX XXXX has failed to provide proper documentation or validation of the debt. Furthermore, they have continued to report the account to the credit bureaus without taking corrective action. This is a clear violation of the FCRA and has caused undue harm to my credit standing. 

I am requesting that the CFPB investigate this matter and compel XXXX XXXX XXXX to either : Provide complete and accurate validation of the alleged debt, including the original creditor, proof of ownership, and a breakdown of the amount owed, or Remove the account entirely from all consumer reporting agencies if they can not verify the accuracy of the 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