vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: MA

Complaint narrative:
I am submitting this complaint to bring to your attention several inaccuracies in my credit report that misrepresent my true payment history and request that they be corrected to reflect accurate information. Upon reviewing my credit file, I noticed that several accounts are reflected with late payments and balances that do not match my records. 
For example, my account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX shows a XXXX late status with a balance of {$370.00} as of XX/XX/XXXXXXXX XXXX XXXX  and my XXXX XXXXXXXX XXXX XXXX XXXX XXXX is reported as 60 days late with balances of {$1400.00}, with reported late days of XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, and XX/XX/XXXX 30 days late. My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX is reported as 90 days late with a balance of {$800.00}, and late activity on XX/XX/XXXX 30 days late and XX/XX/XXXX 60 days late. Similarly, XXXX XXXXXXXX XXXX XXXX XXXX XXXX reflects 60 days late with a balance of {$360.00}, with late days on XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, and XX/XX/XXXX 30 days late. My XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account shows multiple late days, including XX/XX/XXXX 30 days late, XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, and XX/XX/XXXX 90 days late, with a balance of {$1200.00}. Lastly, XXXX XXXX is reported with a balance of {$37000.00} and late days of XXXX 30 days late, XXXX 60 days late, XX/XX/XXXX 60 days late, and XX/XX/XXXX 30 days late. 
These reported late days and balances do not accurately reflect my true payment history, and I am concerned that these inaccuracies are adversely affecting my creditworthiness. Under FCRA 607 ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. FCRA 609 ( a ) ( 1 ) grants me the right to request all information in my file, and FCRA 611 ( a ) ( 1 ) provides that I can dispute incomplete or inaccurate information and have it reinvestigated. Additionally, FCRA 623 ( a ) ( 2 ) and 623 ( b ) impose a duty on furnishers to promptly correct and update inaccurate information after a reasonable investigation. FCRA 602 ( a ) emphasizes Congress purpose to promote fairness, accuracy, and integrity in credit reporting, and FCRA 615 ( a ) prohibits adverse actions based on inaccurate information. 
I have included copies of statements and supporting documentation for your review to assist in verifying the correct payment history.

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 2025-11-14 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to conduct a proper reinvestigation and verify the accuracy and completeness of the information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX. 

I submitted a written request for a full file reinvestigation, yet the bureau did not provide the required verification, documentation, or proof that the reported information was confirmed by the original furnishers. Without this information, I can not determine whether the data in my credit file is accurate, which violates my rights under federal 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Planet Home Lending has not paid the property taxes on my home, resulting in liens being placed on my property. My escrow account shows a year-to-date balance of {$11000.00}, but none of this money has been used to pay the property taxes. Planet Home Lending has refused to allow me to close my escrow account, and they deflect all my attempts to resolve this issue. I believe this behavior is intentional and motivated by spite, as it appears to be an attempt to push my property towards foreclosure. My account has been flagged by their personnel, and any further efforts to resolve the matter have been taken out of my hands. Their process will take 60 days, and nothing will be done. 

XXXX XXXX shows the following : XXXX XXXX XXXX. : XXXX Fiscal Year : XXXX Installment : Penalty : XXXX Installment : Penalty and Cost : XXXX {$4900.00}, Open ( Delinquent after XX/XX/XXXX ) {$490.00} {$4900.00}, Open ( Delinquent after XX/XX/XXXX ) {$510.00} Homeowners Exempt : None Code Area : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-14 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: MA

Complaint narrative:
I am submitting this complaint to formally dispute several inaccuracies I have identified on my credit report. Upon reviewing my recent credit report, I noticed that certain personal information and account details do not accurately reflect my identity or my financial obligations. These inaccuracies have caused confusion and could unjustly harm my creditworthiness. 
My credit report lists variations of my name, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have never used these names in any official capacity, nor are they associated with my financial accounts. Under FCRA 609 ( a ) ( 15 U.S.C. 1681g ), I am entitled to request a complete disclosure of the information in my file, and any inaccuracies must be removed promptly. 
My report lists addresses that are not valid for me, including,XXXX GREW XXXX XXXX & XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX and XXXX XXXX, XXXX XXXX MA XXXX. I have only resided at my current address : XXXX XXXX XXXX XXXX XXXX, MA XXXX. The presence of these incorrect addresses violates FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ), which obligates furnishers to ensure that the information they report is complete and accurate. 
There is a reported charge-off account with XXXXXXXX XXXX XXXX  Balance Owed : {$1000.00}, for which I believe a Form 1099-C ( Cancellation of Debt ) may have been issued. I dispute the accuracy of this reporting because the issuance of a 1099-C may indicate that the debt was forgiven, discharged, or incorrectly reported. According to FCRA 611 ( a ) ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. The credit bureau must conduct a reasonable investigation and remove any unverifiable. 
I am deeply concerned that these inaccuracies both in personal identifiers and financial accounts may negatively affect my credit opportunities, including loans, employment verifications, and housing applications. These errors are not reflective of my true financial history, and I request that all inaccurate names, addresses, and account information be removed 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 2025-11-14 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
I went to buy a XXXX $ google play card from dollar tree on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, i took the card home, i tried to activate it, it automatically says to fill out a form, i fill it out, the response i get from my XXXX  from google LLC is we have identified some inconsistencies with your account we are unable to fix this issue with your transaction, and now i cant get my money back and i feel hopeless, XXXX $ down the drain

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 2025-11-14 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: MD

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my TransUnion credit file.

These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the Metro 2 credit reporting standard.

This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code 103 Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
I am writing to formally dispute and request the immediate deletion and permanent blocking of fraudulent, inaccurate, and unverifiable data currently being reported on my TransUnion credit file.

These entries are the result of identity theft and were not authorized by me. My dispute falls under the guidelines of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and the Metro 2 credit reporting standard.

This dispute should be processed electronically using your automated systems. This includes classification under Dispute Code 103 Fraudulent, and application of structured fraud suppression logic for entries that were never initiated or authorized by me. As a consumer, I am specifically requesting that your system perform an automated suppression review, and that the data elements I detail below be processed as a factual dispute without escalation to manual review unless statutorily required.

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 2025-11-14 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: SC

Complaint narrative:
I am submiiting to formally dispute certain inaccurate late payment reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to challenge and request the correction of information that I believe to be incomplete or inaccurate. Upon reviewing my credit report, I noticed the following accounts reporting late payments that I believe are incorrect. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} late 30 days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5500.00} late 30 days XXXX XXXXXXXX Under FCRA 623 ( a ) ( 2 ), you have a duty to ensure that all information in my credit report is accurate and up to date. Additionally, under FCRA 623 ( b ), the furnishers of this information are required to conduct a reasonable investigation into my dispute. The FCRAs Congressional Findings and Purpose ( 602 ) clearly state that consumer reports must maintain integrity, fairness, and confidentiality to protect consumers like myself from inaccuracies that could unjustly impact their financial standing.

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 2025-11-14 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: PA

Complaint narrative:
Dear Transunion Dispute Department, Im writing to formally dispute late payment ( XXXX ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 



Account Details : 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 2025-11-14 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: WA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-14 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: VA

Complaint narrative:
Although the account has been paid in full, late payment remarks are still appearing.

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 2025-11-14 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of these fraudulent acts in my name resulting in collections and hard inquiries reporting on my credit report. Advantage CrediXXXX 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 2025-11-14 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 sending to bring several serious inaccuracies on my credit report to your attention. I make it a priority to monitor my credit file regularly, and during my most recent review, I identified multiple entries that have absolutely no connection to my personal history or financial activities. Discovering these errors was unsettling, as they create confusion about my identity and potentially expose me to identity-related issues that I have never experienced before. Because accuracy and integrity are essential to my credit profile, I must request immediate action in accordance with federaXXXX 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 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 2025-11-14 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: GA

Complaint narrative:
I am sending to bring several serious inaccuracies on my credit report to your attention. I make it a priority to monitor my credit file regularly, and during my most recent review, I identified multiple entries that have absolutely no connection to my personal history or financial activities. Discovering these errors was unsettling, as they create confusion about my identity and potentially expose me to identity-related issues that I have never experienced before. Because accuracy and integrity are essential to my credit profile, I must request immediate action in accordance with federaXXXX 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 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 explanation
Consumer complaint received 2025-11-14 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: MS

Complaint narrative:
1. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 2. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 3. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXXXXXX XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 4. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 5. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS Thank you for your cooperation

Company response to consumer: Closed with explanation