vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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:
Hello. I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize, nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It did a lot of damage to me. I need these fraudulent inquiries to be removed from my credit report ASAP in order to prevent further fraudulent activity under my account. Do anything necessary to remove them from my report. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am submitting this formal complaint regarding Newrez, my mortgage servicer, for its ongoing failure to process my valid escrow removal request in accordance with its own stated policies. 

On XX/XX/year>, I submitted a formal request for escrow removal, which was denied without sufficient explanation. Since that time, I have made numerous follow-up calls to Newrez in an effort to resolve the matter. On XX/XX/year>, I was informed by a representative that my case had been escalated to a supervisor. However, during a follow-up call on XX/XX/year>, a different representative claimed no such escalation had occurredrevealing a breakdown in XXXX internal processes. 

At that point, another agent statedon behalf of a supervisorthat I would need to obtain a new home appraisal. I complied and paid {$600.00} out of pocket for a certified appraisal, which confirmed a property value of {$700000.00}. With a current mortgage balance of {$480000.00}, my loan-to-value ( XXXX ) ratio is XXXX XXXX %, significantly below XXXX stated threshold of XXXX % ( or {$670000.00} ) required for escrow removal. 

On my most recent call on XX/XX/year>, I was told by another Newrez representative to start the process over again and resubmit my request from scratch. I have made multiple requests to speak with a supervisor, all of which have been ignored or denied. 

This ongoing lack of transparency and accountability is unacceptable. I am requesting the CFPBs assistance in ensuring Newrez honors its policy and promptly removes the escrow account from my mortgage. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The law clearly states A creditor may not treat a payment on a credit card under an open consumer credit plan as late for any purpose unless they have mailed it 21 days before payment is due. The original creditor deleted this debt due to identity theft. I have been harassed by email and phone calls about a debt I simply do not owe. I was a victim of robbery from one of my care providers. I had this person XXXX XXXX sent to jail for stealing my wallet and the contents of my wallet. I am requesting this debt not owed by me to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of certain inaccuracies that require immediate attention. 


Please verify thee two accounts with MIDLAND CREDIT MANAGEMENT. 
If you can not verify them within XXXX days you have to delete this inaccurate information. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Experian has been reporting several accounts on my credit report with blatantly inaccurate and misleading information that is seriously damaging my credit score and directly preventing me from accessing safe housing. 

Specifically : I have multiple charged-off credit card accounts that are showing XXXX day delinquencies months or even years after they were charged off some showing late payments through XXXX even though the accounts were closed in XXXX. 

XXXX account that was closed and placed in collections in XX/XX/XXXX is showing a recent delinquency in XX/XX/XXXX, which is impossible and violates reporting rules. 

Another account has collections reported every month for XXXX months in the payment history, instead of a single collection entry again, this misrepresents the debt and artificially harms my credit. 

I found a collection account marked as open, even though the balance is paid and no payments are being accepted. This contradicts credit reporting standards. 

Across multiple accounts, Experian appears to be re-aging the debt or extending delinquencies far beyond the last activity date, which violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 
I have attempted to dispute these errors directly with Experian, but : Their automated phone system hangs up on me and blocks me from speaking with a live agent. 
The online dispute process repeatedly dismisses my disputes with no explanation and continues to leave the incorrect information on my report. 

This has left me in a situation where I am being locked into unsafe housing conditions due to a falsely suppressed credit score, despite having paid off or long-closed debts. I am physically ill from this situation and need immediate access to fair housing, which is being denied to me because of false and damaging credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CO

Complaint narrative:
Experian has been reporting several accounts on my credit report with blatantly inaccurate and misleading information that is seriously damaging my credit score and directly preventing me from accessing safe housing. 

Specifically : I have multiple charged-off credit card accounts that are showing XXXX day delinquencies months or even years after they were charged off some showing late payments through XXXX even though the accounts were closed in XXXX. 

XXXX account that was closed and placed in collections in XX/XX/XXXX is showing a recent delinquency in XX/XX/XXXX, which is impossible and violates reporting rules. 

Another account has collections reported every month for XXXX months in the payment history, instead of a single collection entry again, this misrepresents the debt and artificially harms my credit. 

I found a collection account marked as open, even though the balance is paid and no payments are being accepted. This contradicts credit reporting standards. 

Across multiple accounts, Experian appears to be re-aging the debt or extending delinquencies far beyond the last activity date, which violates the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines. 
I have attempted to dispute these errors directly with Experian, but : Their automated phone system hangs up on me and blocks me from speaking with a live agent. 
The online dispute process repeatedly dismisses my disputes with no explanation and continues to leave the incorrect information on my report. 

This has left me in a situation where I am being locked into unsafe housing conditions due to a falsely suppressed credit score, despite having paid off or long-closed debts. I am physically ill from this situation and need immediate access to fair housing, which is being denied to me because of false and damaging credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
I am submitting this complaint as a follow-up to CFPB Case # XXXX, which was closed despite Equifax failing to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ).

Equifax claims to have verified that certain debts belong to me, but did not provide any of the required documentation or explain how the investigation was conducted, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Specifically, Equifax failed to provide : 1. A signed contract or application proving I am legally responsible for the alleged debts. 


2. A chain of custody or legal assignment, showing transfer of the debt from the original creditor to the current reporting party.

3. An itemized account history, including balances, fees, interest, payments, and adjustments.

4. A clear explanation of how the reinvestigation was performed, including what data or documents were reviewed.

Instead, Equifax provided generic statements such as this item has been updated or verified, which do not satisfy legal standards under : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation.

FCRA 1681s-2 ( b ) Furnishers failure to correct or delete inaccurate information.

Equifax is also misreporting forgiven or discharged debts ( e.g., those associated with 1099-C filings ) as active accounts, which is both misleading and unlawful under : 15 U.S.C. 1681c ( a ) ( 4 ) Obsolete or misleading data. 15 U.S.C. 1681s-2 ( a ) ( 1 ) Duty to report accurate and updated information. The continued reporting of these unverifiable and disc
harged accounts is damaging my credit, obstructing business and personal financing efforts, and undermining my ability to secure housing and expand operations for my family.

I am respectfully requesting the CFPB : Reopen or escalate this matter, Require Equifax to produce all documentation supporting the accounts, And compel them to delete any item that can not be fully verified under federal law.

I am also exercising my right to request full disclosure of how the investigation was conducted, as outlined in FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After reviewing my recent credit report, I was shocked to discover several accounts that I did not open or authorize. These unauthorized accounts are clear evidence of identity theft and are causing serious complications, particularly as I am in the process of purchasing a new vehicle for my family. I urgently request that these fraudulent accounts be removed from my credit report immediately to prevent further damage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: IL

Complaint narrative:
On XX/XX/XXXX I reported a fraudulent account ( Creditor : XXXX XXXX/ Account Number : XXXX ) to Equifax, which is listed on my credit report. I explained to Equifax that I am a victim of identity theft and have reason to believe that the account was opened without my authorization during the Equifax data breach. I provided an FTC Identity Theft Report along with my identification to Equifax. They removed the account from my credit report ; however, they added the account back to my report without explanation. As a result, I submitted an initial complaint to the CFPB on XX/XX/year> ( XXXX ). The company responded on XX/XX/year> by stating that they deleted the account from my credit file ; however, the account remains on my credit report & was never removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: NY

Complaint narrative:
I have been using Klarna for a few years now. I have usually only used my debit card as payment but in the month of XXXX I accidentally chose to use my bank account as payments. When I have used it, it usually clears within a few days. Well this time my balance never updated. The {$400.00} was paid on XX/XX/XXXX, and taken out of my bank account. I took a screen shot of my account balance on Klarna XX/XX/XXXX because underneath the balance it still said processing the {$400.00} underneath the balance and I wanted to show proof that it had not been cleared. I needed to make another payment that day for a different purchase, and I did, with my debit card. The balance automatically changed with a deduction of ( I believe it was XXXX ), from my of the most recent payment, but not the {$400.00} bank account payment. I did take a photo that day. I have kept track of all my payments and have not used the app except twice after the incident. So I have no new purchases. But my payments do not match up to my current balance. I have spoken to many Klarna agents. Over the course of time theyve told me to wait for it to update. And then saying it was updated. I just want my balance to reflect what Ive paid. I was sent a transcript of all my purchases with what how many payments are left on each, and of messages sent. But nothing showing the exact balance of XXXX with my payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
I have XXXX late payment from XXXX XXXX on my credit report from XX/XX/year> on a personal line of credit with account number starting in XXXX. I have been on time for 99 % of my payments. The month that report a late payment was due to an ACH payment issue with my bank and I was never notified about it. I would like to ask if upper management could submit a request to the credit reporting agencies to remove the late payments. It is stopping me from getting approved for a mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: KS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: ME

Complaint narrative:
On XX/XX/year>, I submitted an official discharge application through Sallie Maes secure document upload portal in response to their CFPB-provided resolution to my initial complaint ( Complaint ID : XXXX ). I included a formal cover letter requesting email confirmation of receipt. As of today, I have received no written acknowledgment, case number, or confirmation that the application is under review. Meanwhile, Ive received multiple payment demand emails and missed callssuggesting Sallie Mae is actively monitoring my account activity, yet deliberately avoiding confirmation of a discharge request that could reduce my debt. 

My original complaint also detailed Sallie Maes troubling loan servicing behavior, including interest capitalization following the denial of an extended repayment term, and balances that have grown by over {$11000.00} above the original disbursed amount despite years of payments. Sallie Maes response ignored these issues entirely and only provided a school misconduct application. 

This complaint is being filed to prompt confirmation of receipt, highlight the lack of transparency, and hold Sallie Mae accountable for continued collection activity during an active dispute. It also expands on my broader experience with their predatory and harmful servicing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Multiple calls per day including weekends from different phone numbers. At this point its getting to the point of harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: AZ

Complaint narrative:
XXXX XXXX - Account number XXXX I have continuously reported this account as I am the victim of severe identity theft.I do not recognize How this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account High balance Nor do I recognize the late payments being associated With it. This information is completely inaccurate and incorrect reporting and is hurting my ability to obtain credit for my family.Everything reported here does not MEET the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: 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 XXXX XXXX XXXX. 

XXXX XXXXXXXX XXXX XXXX  {$480.00} XXXX XXXX XXXX {$290.00} XXXX XXXXXXXX XXXX {$390.00} XXXX XXXX. XXXX Section XXXX A, states I have the right to privacy. 

XXXX XXXX. XXXX Section XXXX A section XXXX, states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX. XXXX. ( a ) ( XXXX ) 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 and crimes which antedates the reports by XXXX years.

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