vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
Im writing to dispute a serious and unacceptable error on my credit report. An account that does not belong to me is currently being reported under my name, and it needs to be removed immediately.

After reviewing my credit file, its clear that this is a case of mixed credit information meaning, this account belongs to someone else entirely but is being wrongly associated with me. I dont know who this other individual is, but I can tell you with complete certainty : this account is not mine, Ive never had any connection to it, and I refuse to allow someone elses debt or activity to damage my credit.

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 2025-06-20 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: NY

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 ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXXXXXX XXXX XXXX  ] Account Number : [ 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-06-20 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 submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: 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 XXXX 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 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 2025-06-20 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: Freedom Mortgage Company
State: MA

Complaint narrative:
I am filing a complaint regarding a 30 day late payment reported by Freedom Mortgage in XX/XX/2025. The account is now closed and fully paid off. I contacted Freedom Mortgage to request a goodwill adjustment based on a one-time error caused by unique and verifiable closing delays, including IRS-related buyer issues, late arrival to closing, delayed recording, and a short wire that had to be corrected the next business day. 
I had also set up bi-weekly payments, and in XX/XX/, there was a third debit that I did not realize required me to contact the servicer to apply it to a future payment another technicality that contributed to this unusual circumstance. 

I have had nearly perfect credit for almost 20 years and have never missed a mortgage payment before. My attorney has provided a letter confirming the timeline and verifying that the delays were entirely outside of my control. I submitted a formal goodwill letter to Freedom Mortgage outlining all of this. 

Their response was to reject my request, stating that we must report factual data and that Freedom Mortgage does not change credit reporting as a courtesy or facilitate the restoration of credit. 

I believe this misrepresents the Fair Credit Reporting Act ( FCRA ). The FCRA does not require creditors to report negative information it only requires that what is reported be accurate. Freedom Mortgage is choosing not to exercise discretion, even though the account is paid, closed, and no longer presents any risk. 

As a result of this isolated event, I am being denied both home loans and rental opportunities due to one late payment on an otherwise perfect record. I am requesting that this complaint be reviewed, and that Freedom Mortgage be encouraged to reconsider the removal of this derogatory mark as a goodwill exception.

I am attaching the original letter I sent to Freedom Mortgage, supporting documents from both attorneys, and their written refusal to consider the 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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: GA

Complaint narrative:
Kikoff Inc responded to my dispute that the account information they allege is true and correct. I disagree with this claim. Even if the account is reporting accurate as a consumer I have a right to privacy and selling my information to XXXX  is a violation of my right to privacy. This also makes me open to identity theft.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: SC

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-20 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: IA

Complaint narrative:
MY CREIT PROFILE HAS ACCOUNTS, COLLECTIONS AND INQUIRIES THAT ARE NOT MINE. I HAVE NOT BEEN FOCUSING ON MY CREDIT UNTIL RECENTLY AND NOTICED ALL THE FRAUDULENT ACTIVITY HAPPENING IN MY NAME OR IN SOMEONE'S ELSE NAME AND IS APPEARING ON MY CREDIT REPORT. I HAVE DISPUTED ITEMS AND NOW I KNOW UNDER THE FCRA MY RIGHTS AS THE CONSUMER, I CAN DISPUTE INACCURATE INFORMATION. 
LISTED ARE THE ACCOUNTSTHAT IS AM ASKING TO BE REMOVED FOR ACCURACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM DEMANDING THESE ACCOUNTS TO BE REMOVED DUE TO FRAUDULENT MOVEMENTS.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Your Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL XXXX Date : XX/XX/year> To : [ Insert Credit Bureau Name & Address listed below ] Subject : Request for Investigation and Removal of Inaccurate Information Under the FCRA Dear [ Experian / TransUnion / Equifax ], I am writing to formally dispute and request the immediate deletion or correction of the following inaccurate and outdated information from my credit report, as allowed under the Fair Credit Reporting Act ( FCRA ) : XXXX. Personal Information : Please remove all old/incorrect addresses and retain only the following : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, remove any name variations or misspellings associated with my file. My full legal name is : XXXX XXXX XXXX. Accounts : I request the permanent removal of all : Closed accounts Derogatory accounts ( late payments, charge-offs, collections, etc. ) Any inaccurate or unverifiable information These items are negatively impacting my credit score and are not accurate, complete, or verifiable. 



XXXX. Dispute Codes to Include ( for internal handling or submission via XXXX XXXX portals ) : Code XXXX : Not my account Code XXXX : Information is incorrect Code XXXX : Account paid in full please update Code XXXX : Remove due to obsolete information Code XXXX : Delete address not mine Code XXXX : Name is incorrect Enclosed : A copy of my government-issued ID A copy of a utility bill or other official mail confirming my correct address Please conduct an investigation as required by the FCRA and send me an updated copy of my credit report when your investigation is complete. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2025-06-21 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:
Dispute of Inaccurate Late Payment Violation of 15 U.S.C. 1681e ( b ) and 1666b To Whom It May Concern, I am filing this complaint because I noticed some accounts listed on my credit report are inaccurately reporting a late payment that I believe is erroneous or unverifiable. Under * * 15 U.S. Code 1666b * *, billing statements must allow adequate time before reporting a missed payment.

Additionally, under * * 15 U.S. Code 1681e ( b ) * * of the FCRA, credit reporting agencies and furnishers are required to report only complete and accurate information. 
Details : XXXX XXXX XXXX  XXXX Account XXXX Account type : Credit card Responsibility Individual Date opened XX/XX/XXXX XXXX CARD Account number : XXXX Account type : Credit card Responsibility Individual Date opened : XX/XX/XXXX XXXX XXXX  Account number : XXXX Account type : Mortgage Responsibility Individual Date XXXX XXXX XXXX XXXX Account XXXX Account type : Home Imp Loan Responsibility Individual Date opened : XX/XX/XXXX I previously contacted the furnisher but have not received satisfactory verification or correction of this inaccurate information. This reporting is harming my credit profile and was not properly validated or corrected as required under the FCRA. 
I am requesting : XXXX. A formal investigation into the reported late payment XXXX. Documentation validating its accuracy XXXX. Removal or correction if the furnisher can not prove the payment was late

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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-06-20 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: FL

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 non-monetary relief
Consumer complaint received 2025-06-20 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:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit report, I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint. A copy of the XXXX report showing my information being exposed in a national data breach and a validation of debt letter.

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 2025-06-20 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: NJ

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Account COMENITYCAPITAL/XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization my privacy rights under federal law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data. After you use that templatizing my financial security at risk. And unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
With Experian credit agency, I have been a victim of multiple breaches within various companies and back in XXXX. I realize that my information has been compromised. I reached out to Experian multiple times from XXXX until last year XXXX I believe and nothing was done even when I provided a police report from XXXX that I found back in XXXX XXXX  when I first realized things were not what they were supposed to be and Ive been denied for multiple things because I wanted to do it because things just kept popping up on my credit report. I got XXXX collection accounts that do not belong to me, but it isnt has not been taken down still to this day, and Im trying to figure out why not when I provided the information and the evidence that I was a victim of identity theft, and I still was not accommodating and so its been affecting me very much to where I cant get a place to live. I was homeless for a while for at least a year. This issue with these credit reports in my identity DEF has been very distressing, and I would like for there to be in depth investigation into every account that is on my credit report, which I will provide that its coming from Experian credit agency and I will provide the police report and the FTC report for the identity DEF that I made. And I am attaching the final demand That I will be sending to Experian credit agency by certified mail.

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