vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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 2025-05-07 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: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ Account Number ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Company - date ] XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important 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 2025-05-07 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Private student loan was taken out 2005. Stopped paying on it 8yrs later. After the reporting time limit expired they showed a new account opened and late. The second account never existed and both are past the reporting limit period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am filing a complaint regarding a late mortgage payment reported by Freedom Mortgage for XX/XX/year> payment. At the time, we were actively awaiting the outcome of an escrow analysis or adjustment, and I had been in communication with the servicer regarding our account. Despite our good faith efforts to resolve the escrow matter and maintain timely payments, the company reported the payment as late. 

I requested a goodwill adjustment, citing our consistent payment history and the circumstances surrounding the escrow issue. However, the company declined, stating that the reporting was factually accurate and therefore would not be changed. 

I believe this rigid stance fails to consider the context and may represent poor servicing practicespossibly even a violation of proper notice under the Real Estate Settlement Procedures Act ( RESPA ). I am requesting the CFPBs assistance in reviewing this matter and urging [ Mortgage Company Name ] to take the full context into account and reconsider the negative credit reporting. 

I am happy to provide documentation or correspondence related to this issue upon request.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hi there, I am writing to file a formal complaint against Equifax for inaccurate credit reporting that has negatively impacted my credit profile. 

Equifax is incorrectly reporting that I no longer have any revolving credit accounts since XXXX, XXXX. However, this is inaccurate. I have attached a copy of my credit report, as provided by my credit card company, which clearly shows that I do continue to maintain at least XXXX active revolving account. 

I have already attempted to dispute this issue directly with Equifax, but the inaccurate reporting remains unresolved. This misrepresentation affects my credit score and may interfere with future credit decisions. 

I am requesting that the CFPB investigate this matter and require Equifax to update my credit file to accurately reflect my open revolving account. The attachment included provides supporting evidence of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-05-07 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: FL

Complaint narrative:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ Account Number ] for my [ credit card, auto loan, and/or mortgage ] to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized f
or late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my [ credit card, auto loan, and/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Company - date ] XX/XX/year> I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 
I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 
Thank you for your attention to this important 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 2025-05-07 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: VA

Complaint narrative:
See attached. Remove accounts. Send to Experian. Equifax. And Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
See attached. Remove accounts. Send to Experian. Equifax. And Transunion.

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 2025-05-07 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:
I am reaching out to EQUIFAX to highlight my serious concern about certain details in my credit profile. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information reporting the fraudulent accounts and unauthorized inquiries : PLEASE REMOVED ALL THE LATE PAYMENTS ON THE FOLLOWING ACCOUNT : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} ; XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance {$3500.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00} Balance : {$5000.00} and PLEASE DELETE ALL THE ITEMS LISTED BELOW IN MY CREDIT REPORTS : XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date XXXX Balance {$4500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX DATE OPENED XX/XX/XXXX Balance : {$6200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened XX/XX/XXXX XXXX : {$2400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$590.00} ; XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Opened : XX/XX/XXXX Balance : {$33000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$490.00} ; XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance XXXX {$720.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$14000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Date Opened : XX/XX/XXXX XXXX : {$730.00} The following list of Fraudulent Inquiries to be blocked from my credit report for Non- Permissible Purpose : NAME OF COMPANY DATE OF INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4700.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$430.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : 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
Consumer complaint received 2025-05-07 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: GA

Complaint narrative:
I am filing this complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my report. Despite my submissions, Transunion consistently responds within stating the account is accurate, without providing any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. S1681i which mandates a reasonable investigation of disputes. Furthermore Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. S5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that action is taken an these inaccuracies are 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

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 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Date of inquiry : XX/XX/year> -Transunion . I am unaware of this inquiry on 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
I am formally disputing inaccurate and potentially unverifiable information listed on my Equifax credit report, as protected under the Fair Credit Reporting Act ( FCRA ). 

Despite a prior dispute, you marked the item ( s ) as " verified '' without providing sufficient evidence. Therefore, I am invoking the following consumer protection statutes and demanding full compliance : FCRA 611 ( a ) ( 7 ) Method of Verification ( MOV ) Please provide the complete method used to verify the disputed item ( s ), including : The name, address, and telephone number of the furnisher that verified the information ; The manner in which the information was verified ( manual records, electronic database, etc. ) ; The date the information was verified ; A copy of any documentation used to substantiate the account 's accuracy.

A generic verified response does not meet the legal standard of MOV and is noncompliant with federal law.

FCRA 609 ( a ) ( 1 ) & ( a ) ( 2 ) Right to Full File Disclosure I formally request all documentation used in the verification process, including but not limited to : A copy of the original signed contract or application authorizing the alleged account. 
Full billing statements, payment records, and transaction history associated with the account. 
The name and contact information of the individual at the creditor or agency who verified the account.

FCRA 623 ( a ) ( 3 ) Duty to Report Accurate and Verifiable Information I am disputing the accuracy and completeness of this information. If the data furnisher can not provide verifiable, original documentation, you are obligated to delete or correct the information on my file. 

Failure to Comply If you fail to produce the requested documentation and XXXX, or refuse to remove unverifiable information within 30 days : You will be in violation of FCRA 611, 609, and 623 ; I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General ; I will also consider pursuing civil remedies under FCRA 616 and 617 for willful noncompliance, including statutory and punitive damages.

Disputed Account ( s ) 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 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 2025-05-07 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and found a collection account that I do not recognize. I contacted the company managing the account and was informed that someone used my personal information to rent an apartment without my knowledge or authorization. 

This is a clear case of identity theft. I have no association with this account and did not initiate or approve the rental. I am requesting a full investigation and the removal of this fraudulent account from my credit report, as it is negatively impacting my credit score. 

Additionally, I ask that appropriate measures be taken to prevent this type of incident from happening again in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX # XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal 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