vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: MA

Complaint narrative:
I am submitting this complaint regarding XXXXXXXX XXXX XXXX, whose inconsistent and erroneous reporting has directly harmed my credit profile and caused undue emotional and financial distress.

According to my credit reports : XXXX  reflects my payment history as " OK '' throughout XXXX, with no issues noted in the payment history from XXXX to XX/XX/XXXX. However, it also indicates " NO '' payment records for much of XXXX, which is inconsistent with my on-time payments and misleading. 

XXXX  shows " 30 '' ( 30 days past due ) in XX/XX/XXXX, although my payments have been made on time, and the balance was cleared, which contradicts the " Paid Satisfactorily '' status on other reports.

Equifax shows " 30 '' ( 30 days past due ) in XX/XX/XXXX, although my payments have been made on time, and the balance was cleared, which contradicts the " Paid Satisfactorily '' status on other reports.

This reporting is factually inconsistent, misleading, and damaging. If the account was paid on time and shows a {$0.00} balance with no outstanding delinquencies, how can it simultaneously be reported as late? Furthermore, the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ) requires furnishers to ensure maximum possible accuracy of the information they report.

Additionally, under : 15 U.S. Code 1681s-2 Furnishers of information must not report information they know or have reasonable cause to believe is inaccurate.

15 U.S. Code 1681e ( b ) Consumer reporting agencies must maintain procedures to ensure accuracy.

15 U.S. Code 1692d and 1692e ( FDCPA ) The continued reporting of false or misleading information constitutes harassment and deceptive practices.

This erroneous reporting has lowered my credit score, affected my ability to secure affordable housing and financial products, and caused unnecessary stress and anxiety. These consequences violate my consumer rights and are grounds for : Immediate deletion or correction of the inaccurate information from all credit bureaus.

Compensatory damages for the harm caused, including emotional distress and lost financial opportunity. A full investigation and verification under Section 611 of the FCRA.

I am demanding : Immediate deletion or correction of the derogatory marks from Equifax and XXXX. 

Written confirmation of the investigation and results from both XXXX XXXX XXXX  and each credit bureau. 

Compensation of {$9000.00} paid via check and acknowledgment of the harm caused by these violations. 

Formal regulatory review of XXXX XXXX XXXX  reporting practices for recurring inconsistencies. 

Please find attached copies of the relevant credit report screenshots, identification, and supporting documents. I request this matter be handled with urgency as allowed under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
On XX/XX/21 I was charged XXXX for a fraudulent purchase. Cant get them to acknowledge the fraud and return the money to my account. Plus theyre charging me interest on that money, just stealing!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
Subject : Credit Reporting Inaccuracy Violation of FCRA and Metro 2 Guidelines by XXXX XXXXXXXX Details of the Issue : I am submitting this complaint regarding inaccurate and misleading reporting of my XXXX XXXXXXXX credit card account ( Account Number : XXXX... ) on my credit report. Despite multiple disputes, the data furnishers have failed to correct clear violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

Specifically : - The * * Date of Status * * is shown as XX/XX/XXXX, yet the account is marked Charged Off through XX/XX/XXXX, contradicting Metro 2 timelines.

- The * * High Balance * * is listed as {$740.00}, which exceeds the original credit limit of {$500.00} without a clear explanation or breakdown of fees.

- The account continues to reflect CO status monthly for nearly two years post charge-offMetro 2 guidelines do not permit this. 
- * * Monthly Payment field * * is not reported at all ; it should reflect {$0.00} for a charged-off account. 
- Previous disputes were labeled investigation complete yet no corrections have been made, suggesting lack of genuine reinvestigation in violation of FCRA 611.

I am requesting the CFPB investigate this ongoing inaccurate reporting. I have exhausted disputes through the credit bureaus and continue to receive updates that ignore key compliance requirements. 

Impacted Parties : XXXX XXXX XXXXit Bureaus ( Experian, Equifax, XXXX  ) Outcome Requested : - Immediate reinvestigation in compliance with FCRA and Metro 2 guidelines. 
- Removal or correction of any data that violates industry standards. 
- Assurance that future disputes are handled fairly and legally. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-10 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:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: AL

Complaint narrative:
I was in XXXX car accidents with in XXXX. Both determined total loses and both determined to be the OTHER motorist was/are at fault. Two finance companies reported false information to the credit bureaus numerous times. Even when they would verbally acknowledge these errors of inaccuracy the companies continued to report errors '. Please I can't fight these conglomerates ' alone. I am a working class, tax paying citizen. The things that have been done to myself in regards to my credit or lack there of is against Federal consumer laws. PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 

You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. 

I LOOK FORWARD TO YOUR RESPONSE

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 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-10 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3800.00} INQUIRIES : XXXX XXXX  XXXX : XX/XX/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I do not recognize any of these purchases made on this card, therefore the balance reflected on my card is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
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 Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Ive made multiple attempts over the past few months to raise concerns about the inaccuracies on my credit report, yet they remain unresolved. I want to make it clear that this complaint is legitimate and not submitted in error. These ongoing discrepancies are contributing to an already difficult situation and continue to negatively affect both my credit standing and overall well-being.

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 2025-07-10 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: TX

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 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 2025-07-10 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted Equifax multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
Experian allowed a collection account from XXXX XXXX XXXX ( Original Creditor : XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX to show up on my credit report without ever verifying it with me. I never gave permission or written consent for this to be added, and yet its there, damaging my credit. Ive already asked for validation in the collection agency by filing also here in the CFPB last XX/XX/year>, but they havent provided anything. No signed contract, no breakdown of the alleged balance, no proof of who even owns the debt or has the legal right to collect it.

This completely violates 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which says Im supposed to get proper verification when I ask for it. On top of that, I never even got a real chance to dispute this, which is a violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ). And yet Experian still reported this to my credit file like its accurate, thats not just unfair, its illegal under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the FCRA. 

Also, how can I even trust Experians report when this same account isnt the same information reported by the other credit bureaus? Thats a major red flag. If the information isnt consistent across CRAs, then it clearly doesnt meet the maximum possible accuracy standard under 15 U.S.C. 1681e ( b ). It makes me seriously question how Experian verifies anything or if theyre just blindly accepting whatever gets submitted without checking with the consumer at all. 

At this point, I want this account permanently removed from my Experian credit file. It was reported without consent, without verification, and without following proper procedures. Its causing damage that shouldnt be happening, and Experian needs to be held accountable. This entire situation has been frustrating, stressful, and completely avoidable if they had just followed 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 2025-07-10 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 am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: SC

Complaint narrative:
Having several issues with escrow account and analysis. I sent a QWR via USPS and it was received on XXXX XX/XX/year> at XXXXXXXX XXXX  As of yesterday I have not received acknowledgement of the request. Today will be the XXXX business day. I have had to call them so many times since XXXX with problems and on each occasion was told everything was good and then eventually they placed lenders insurance and reopened my escrow, charged the escrow account, sent a new analysis, had a refund, sent a statement for XXXX with a much higher payment than owed, and never did a new analysis after previous Lender-Placed Insurance was canceled and refunded. Attached is screenshot from USPS, cover letter ( will not attach ), qualified written request, and sequence of events.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief