vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: TN

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, Subject : Formal Dispute of Inaccurate and Potentially Fraudulent Information Request for Immediate Deletion Under FCRA 15 U.S. Code 1681c2 I am writing to formally dispute multiple negative items listed in my credit report with your agency. Under 15 U.S. Code 1681c2, I am invoking my right to request the permanent deletion of adverse information resulting from identity theft, inaccurate data reporting, and potential data breaches that may have compromised the integrity of my credit file.

Upon my recent review of my credit reports, I identified multiple erroneous and damaging entries that I believe are either inaccurate or the result of identity compromise. Specifically : XXXX. XXXX XXXX XXXX Multiple accounts reflecting excessive delinquency, despite these accounts being in deferment or marked with inconsistent comments such as Affected by natural disaster and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX late payment reporting, despite resolution attempts and documented payment activity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX which I do not recognize and believe to be fraudulent or misreported. 

Additionally, a security alert was placed on my XXXX  file ( as of XX/XX/year> ), indicating potential identity misuse and reinforcing the need for immediate corrective action. 

Pursuant to the FCRA Section 605B / 15 U.S.C. 1681c2, I am requesting the immediate deletion of the above-mentioned and any related negative accounts from my credit report. This request is based on : - Inaccurate reporting - Potential fraud and identity misuse - Failure of furnishers to provide verifiable data - My legal rights under FCRA to block and remove unverifiable or fraudulent entries I am requesting this action be completed within four ( 4 ) business days, as allowed when disputed data is unverifiable or associated with a breach or identity theft. 

Included with this letter : - A copy of my government-issued ID ( drivers license ) - A copy of my Social Security card - Copies of both credit reports with disputed items clearly marked Please provide written confirmation that these items have been deleted or corrected. If additional documentation is required, I am available at the contact details provided. 

If this issue is not resolved promptly, I will escalate it with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your time and immediate attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: EdFinancial Services
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, Subject : Formal Dispute of Inaccurate and Potentially Fraudulent Information Request for Immediate Deletion Under FCRA 15 U.S. Code 1681c2 I am writing to formally dispute multiple negative items listed in my credit report with your agency. Under 15 U.S. Code 1681c2, I am invoking my right to request the permanent deletion of adverse information resulting from identity theft, inaccurate data reporting, and potential data breaches that may have compromised the integrity of my credit file.

Upon my recent review of my credit reports, I identified multiple erroneous and damaging entries that I believe are either inaccurate or the result of identity compromise. Specifically : XXXX. EDFinancial Services LLC Multiple accounts reflecting excessive delinquency, despite these accounts being in deferment or marked with inconsistent comments such as Affected by natural disaster and Payment Deferred. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX late payment reporting, despite resolution attempts and documented payment activity. 
XXXX XXXX XXXX XXXX XXXX XXXX  I Collection accounts for XXXX and XXXX XXXX XXXX XXXX XXXX which I do not recognize and believe to be fraudulent or misreported. 

Additionally, a security alert was placed on my XXXX  file ( as of XX/XX/year> ), indicating potential identity misuse and reinforcing the need for immediate corrective action. 

Pursuant to the FCRA Section 605B / 15 U.S.C. 1681c2, I am requesting the immediate deletion of the above-mentioned and any related negative accounts from my credit report. This request is based on : - Inaccurate reporting - Potential fraud and identity misuse - Failure of furnishers to provide verifiable data - My legal rights under FCRA to block and remove unverifiable or fraudulent entries I am requesting this action be completed within four ( 4 ) business days, as allowed when disputed data is unverifiable or associated with a breach or identity theft. 

Included with this letter : - A copy of my government-issued ID ( drivers license ) - A copy of my Social Security card - Copies of both credit reports with disputed items clearly marked Please provide written confirmation that these items have been deleted or corrected. If additional documentation is required, I am available at the contact details provided.

If this issue is not resolved promptly, I will escalate it with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your time and immediate attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-15 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
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 non-monetary relief
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, Subject : Formal Dispute of Inaccurate and Potentially Fraudulent Information Request for Immediate Deletion Under FCRA 15 U.S. Code 1681c2 I am writing to formally dispute multiple negative items listed in my credit report with your agency. Under 15 U.S. Code 1681c2, I am invoking my right to request the permanent deletion of adverse information resulting from identity theft, inaccurate data reporting, and potential data breaches that may have compromised the integrity of my credit file.

Upon my recent review of my credit reports, I identified multiple erroneous and damaging entries that I believe are either inaccurate or the result of identity compromise. Specifically : XXXX. XXXX XXXX XXXX Multiple accounts reflecting excessive delinquency, despite these accounts being in deferment or marked with inconsistent comments such as Affected by natural disaster and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX late payment reporting, despite resolution attempts and documented payment activity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX which I do not recognize and believe to be fraudulent or misreported. 

Additionally, a security alert was placed on my XXXX  file ( as of XX/XX/year> ), indicating potential identity misuse and reinforcing the need for immediate corrective action. 

Pursuant to the FCRA Section 605B / 15 U.S.C. 1681c2, I am requesting the immediate deletion of the above-mentioned and any related negative accounts from my credit report. This request is based on : - Inaccurate reporting - Potential fraud and identity misuse - Failure of furnishers to provide verifiable data - My legal rights under FCRA to block and remove unverifiable or fraudulent entries I am requesting this action be completed within four ( 4 ) business days, as allowed when disputed data is unverifiable or associated with a breach or identity theft. 

Included with this letter : - A copy of my government-issued ID ( drivers license ) - A copy of my Social Security card - Copies of both credit reports with disputed items clearly marked Please provide written confirmation that these items have been deleted or corrected. If additional documentation is required, I am available at the contact details provided. 

If this issue is not resolved promptly, I will escalate it with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your time and immediate attention. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-15 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: OH

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXXXXXX 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 2025-07-15 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: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: MORTGAGE SOLUTIONS OF COLORADO
State: WA

Complaint narrative:
XX/XX/XXXX I inquired about a HELOC so I could do home improvements to my home. I was told my my mortgage company that the best option would be to refinance. I wasn't sure about refinance because I was at 3.75 % interest rate and the new loan would be at 6.25 % interest rate. My mortgage payment was at {$2300.00} and it would increase to {$3000.00}. I really wasn't sure because with my current income {$3000.00} would be a stretch for me, but they talked me into it. I refinanced in XX/XX/XXXX. Then six-months later, I received a notice from my Mortgage company that they have to increase my monthly payment to {$3200.00} because during refinancing they didn't figure my escrow money correctly. I contacted my mortgage company in XX/XX/XXXX and told them I'm at a mtg payment I can't afford and was told to apply for a loan modification. So, in XX/XX/XXXX, I applied for loan modification, but was denied because I hadn't missed any payments. So I applied again in XX/XX/XXXX letting them know I couldn't afford my monthly payment, but was denied again because I hadn't missed a payment. So I missed a payment, so I could be approved for loan modification. And I applied again for loan modification in XX/XX/XXXX with a missed payment and still was denied. I kept telling them my monthly payment is so high I can't afford it. I've been in contact with the mortgage company still today and they won't assist me. I really regret refinancing. I shouldn't have had them talk me into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2025-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To whom it may concern I am writing this letter to formally dispute from an capital one account that was opened without my consent. I would like to report this dispute to XXXX XXXX XXXXUnder FCRA 605B, you are legally required to block the reporting of this fraudulent information within 4 business days of receiving this request and documentation. You must also notify Capital One and any other furnishers that the information has been blocked.

Please confirm in writing that the Capital One account has been removed or blocked from my credit report. If further documentation is required, please inform me immediately. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: August Real Estate Investments, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding my mortgage servicing companys gross mismanagement of my escrow account, which resulted in a lapse in homeowners insurance coverage for over two years. Despite making full and timely mortgage and escrow payments during this period, my servicer failed to pay for homeowners insurance as required.

I was never clearly notified that the insurance was not being paid. I only discovered the issue when I needed to file a claim for roof damage and found out I had no active policy. I was forced to pay thousands of dollars out of pocket to replace my roof due to this lapse in coverage a loss that would have been covered had my escrow funds been properly applied to insurance premiums.

To make matters worse : The company continues to blame me for the lapse, despite maintaining possession of my escrow funds during the entire period. 

They have delayed issuing a surplus escrow refund check, even though my bank has already confirmed the payment cleared on my end. 

I have been charged a late fee despite making timely payments. 

Funds have been sitting in a " reserve balance '' instead of being applied to my mortgage principal with no explanation. 

This is not only negligent it borders on deceptive and unethical. I am requesting the CFPB investigate this company 's handling of my escrow account and take appropriate action to ensure accountability. I am also seeking assistance in recovering my financial losses caused by their failure to maintain my homeowners insurance as required. 

Please let me know if any further documentation is needed. I have all relevant emails, escrow statements, proof of payments, and receipts related to the roof replacement.

Company response to consumer: Closed with explanation