vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION 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! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth:XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax 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 Credit Card Date opened XX/XX/XXXX Balance {$10000.00} Account name XXXX  XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$420.00} Account name XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$18000.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$17000.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PR

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

( I never signing any documentation with my hand and letters giving any permissions for XXXX XXXX used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : XXXX. Full validation and documentation proving this account was lawfully established and charged off. 
XXXX. Copies of the original signed contract or agreement bearing my signature. 
XXXX. A detailed payment history, including how the balance and charge-off status were calculated. 

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required XXXX  days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year>, I went to XXXX XXXX in XXXX  XXXX because I was in severe pain and had not been to the dentist in years. I trusted them because of their online rating. I was told verbally that I needed a XXXX in a time deep cleaning and that the cost for everything would be {$4600.00}. I was never told that the deep cleaning itself was around {$1400.00} and that the rest of the amount came from applying XXXX antibiotics to almost every tooth. No one explained the per-tooth cost, alternatives, risks, or that this was optional. 

I was stressed, in pain, and I relied 100 % on what the staff told me. I only signed the forms because they told me the entire procedure was XXXX price. I did not understand the breakdown until much later. Because of this, I ended up paying the full {$4600.00} plus interest on CareCredit, which caused financial hardship and forced me to borrow money from family. 
I am also attaching the response XXXX XXXX sent to the Florida Attorney General. In that letter, they claim all costs were clearly discussed, but that is not accurate. Their own treatment plan shows multiple XXXX  charges on almost every tooth, which was never explained to me before the procedure. Their letter supports my complaint because it shows they are repeating the same inaccurate information rather than acknowledging that I was not properly informed.

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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: FL

Complaint narrative:
I am filing a complaint against Experian for failing to respond to my dispute requests in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Experian via certified mail ( Tracking # XXXX ), requesting an investigation into inaccurate items appearing on my credit report, as well as the correction of incorrect personal information. To verify my identity, I enclosed the following supporting documents : A copy of my government-issued identification A copy of my Social Security card A recent utility bill showing my current address Despite providing all necessary documentation, I did not receive any response or the results of an investigation from Experian. 
On XX/XX/year>, I mailed a second dispute letter, yet as of today XX/XX/year>, I have still not received any response, update, or acknowledgment of my dispute. 
Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), Experian is legally obligated to conduct a reasonable reinvestigation of disputed information when a consumer notifies the agency of inaccuracies. By failing to properly investigate my dispute Experian is legally obligated to conduct a reasonable reinvestigation of any disputed information. Experians failure to respond or investigate indicates a violation of my rights as a consumer. 
I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) assist in addressing this matter and ensuring that Experian fulfills its obligations under 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 2025-12-03 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: IL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FREEDOM FINANCIAL NETWORK
State: OH

Complaint narrative:
Receiving daily calls from " Freedom Debt '' since XX/XX/year> ( at least ), I have asked them on every call I have answered to remove me from their call list as I am not interested in their services & they hang up on me. They call from local phone numbers so I am not able to identify who they are when they call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account 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 2025-12-03 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: AL

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
TD Bank mismanaged my escrow account and created a large and improper shortage. In XXXX, TD performed an inaccurate escrow analysis because they failed to clear an estimate after a partial property-tax payment was made and then refunded. As a result of this error, TD lowered my escrow payment from {$1200.00} to {$470.00} and issued an incorrect {$990.00} surplus refund. 

When TD ran the next annual escrow analysis in XX/XX/XXXX using the correct tax amounts, it created a {$20000.00} escrow shortage ( which had been over {$25000.00} prior to XXXX ). This shortage was not caused by me. It was caused entirely by TD Banks internal servicing error. 

XXXX XXXX  XXXX XXXX XXXX XXXX acknowledged in writing that the shortage resulted from their internal process failure. Their email states that the issue occurred because the estimate field was not cleared when a partial tax payment was made and that their team did not have a thorough understanding of what updates needed to be done. 

Despite admitting fault, TD has refused to correct the financial harm and has only offered to spread the shortage over XXXX  months. This forces my family to absorb more than {$20000.00} in liability that TD created through its own servicing mistake. 

This issue has caused significant financial stress and uncertainty for my wife and me. We relied on TDs escrow calculations to budget responsibly, and their error created an unexpected and unreasonable financial burden. 

Based on TDs own admission and the facts, this appears to be a violation of RESPA / Regulation X ( XXXX XXXX XXXX and XXXX ), including failure to properly manage escrow accounts and failure to correct a known servicing error. 

I am attaching : - TD Banks written admission from the Head of Loan Servicing, - The escrow analyses showing the improper surplus and shortage, - My correspondence requesting correction, and - TDs final refusal to remediate the error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
After applying for a mortgage with Freedom Mortgage and receiving approval, my household began receiving a high volume of unsolicited mail and phone calls from multiple companies. These companies claimed to be affiliated with or acting on behalf of Freedom Mortgage, and several attempted to offer refinance products using our recent mortgage approval as a pretext. The timing was immediate and directly followed the completion of our loan approval. We received calls at all hours of the day, including as late as XXXX XXXX, and numerous letters referencing our mortgage status. We did not authorize Freedom Mortgage or any third party to share or sell our information for marketing or solicitation purposes. It appears that our mortgage application information, or data associated with our inquiry, was shared through industry channels without our clear consent or understanding. This has resulted in persistent, unwanted contact, misleading representations from third-party companies, and significant privacy concerns. I am requesting that the CFPB investigate how my information was shared, whether proper disclosures and opt-out mechanisms were provided, and whether Freedom Mortgage or its partners allowed or enabled misleading solicitations related to my mortgage.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit 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 2025-12-03 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Adverse information to be blocked INQUIRIES Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX On Behalf Of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX A PART OF XXXX  On Behalf Of : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX. 
Inquiry Date : XX/XX/XXXX Inquirer : XXXX XXXX XXXX 
Inquiry Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation