vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My address is wrong and i want only one address reporting on my report. I have sent this request several times. ATTENTION DISPUTE DEPARTMENT I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/year> 5. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 
Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. 
As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. 
Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXX XXXX SS # : 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 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am the victim of identity theft and am disputing a fraudulent American Express account totaling {$27000.00} that is being reported in my name. I have no relationship with the business listed ( XXXX XXXX ) or the bank ( XXXX XXXX Bank ) associated with this account. I have never opened an account with XXXX XXXX XXXX  nor made payments toward this AMEX account. Any payments made were not authorized by me and were likely made by the individual who stole my identity. 

I only became aware of this debt when I recently discovered it on my credit report. I never received any prior notices or statements from AMEX because all related correspondence was sent to addresses I am not affiliated with. It was not until XX/XX/year>, that I received any mail regarding this matter. I have since filed a police report, an FTC identity theft affidavit, and submitted a complaint with the CFPB. Despite this, AMEX has refused to remove the account and continues to report the debt under my name. 

This has negatively affected my credit report and has caused financial harm, including threats of garnishment and emotional distress. This is a serious and urgent matter requiring immediate intervention under the protections provided by the Fair Credit Reporting Act ( FCRA ), including 1681s-2, 1681i, and 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: MD

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are the accounts.

And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Delete accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not specify the account number, as it said " Do not include personal information. ''

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 2025-05-06 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: PA

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

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 2025-05-06 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: PA

Complaint narrative:
I sent disputes to bureau 's before, they didnt respond. I want to push through the disputes.

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 2025-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
I am submitting this formal complaint against Credit Management Company regarding an account they have reported on my credit file related to medical services from XXXX XXXX XXXX XXXX The debt collector has violated the Health Insurance Portability and Accountability Act ( HIPAA ) by sending me detailed medical bills that contain protected health information ( PHI ), including specific treatment and diagnostic informationwithout my authorization. This is a violation of federal law, specifically : 45 CFR 164.502 limiting the use and disclosure of PHI ; 45 CFR 164.514 ( d ) the minimum necessary standard. 

Additionally, this account is being reported negatively on my credit report, despite there being no authorization for the sharing of detailed PHI, and potentially without proper debt validation. This activity violates both HIPAA and the Fair Credit Reporting Act ( FCRA ), as the collector has failed to ensure the accuracy and legality of the information they reported. 

I request that the CFPB investigate this matter, ensure this account is removed from my credit report, and take appropriate action against Credit Management Company for their mishandling of sensitive medical information and improper credit reporting. 

I am attaching copies of the documents I received from the collector and my credit report as supporting evidence. I have blurred out the private information but can provide more detail if necessary Sincerely, XXXX XXXX XXXX of Birth : XX/XX/year> Last XXXX Digits of XXXX : XXXX Phone Number : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I do not know nor have I giving authorized consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
I do not know nor have I giving authorized consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CrossCountry Mortgage LLC
State: IN

Complaint narrative:
The response letter has information on it that to me represents fraud Crosscountry said they obtained my employment information through equifax stating that I worked for XXXX Indiana XXXX XXXX for XXXX  years consecutive thats a lie and false I have never worked anywhere for that long and they would know that because they have copies of my XXXX from there and why do I have to keep misspelling my first name everytime i sign their documents they know my correct spelling from day XXXX this mortgage is fraudulent on their behalf i can prove my employment and i did in the beginning their shady loan assistant XXXX XXXX is the XXXX that took my info in the beginning

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX * * * * Balance : {$5400.00} XXXX XXXX  XXXX * * * * Balance : {$4400.00} XXXX XXXX * * * * Balance : {$3300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$560.00} XXXX XXXX  XXXX * * * * Balance : {$4600.00} XXXX XXXX * * * * Balance : {$3300.00} XXXX  XXXX * * * * Balance : {$5400.00} XXXX  XXXX * * * * Balance : {$560.00} XXXX XXXX  XXXX * * * * Balance : {$4400.00} XXXX XXXX * * * * Balance : {$3300.00} XXXX  XXXX * * * * Balance : {$5400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX * * * * Balance : {$5400.00} XXXX XXXX  XXXX * * * * Balance : {$4400.00} XXXX XXXX * * * * Balance : {$3300.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX * * * * Balance : {$560.00} XXXX XXXX  XXXX * * * * Balance : {$4600.00} XXXX XXXX * * * * Balance : {$3300.00} XXXX  XXXX * * * * Balance : {$5400.00} XXXX  XXXX * * * * Balance : {$560.00} XXXX XXXX  XXXX * * * * Balance : {$4400.00} XXXX XXXX * * * * Balance : {$3300.00} XXXX  XXXX * * * * Balance : {$5400.00}

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 2025-05-06 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: NV

Complaint narrative:
This letter constitutes a formal dispute regarding one or more entries currently appearing in my credit file. Under the Fair Credit Reporting Act 611 ( a ), Equifax is legally required to conduct a reasonable reinvestigation of any disputed item and correct or delete information that is inaccurate, incomplete, or unverifiable. The information listed is inaccurate and has caused significant harm. Please note that in XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX due to systemic failures in dispute processing, including neglecting supporting documentation and permitting the reappearance of deleted data. ( * See CFPB enforcement action, XX/XX/year> * ) I am requesting : 1. Immediate deletion or correction of the disputed accounts. 
2. A full description of the procedures used to verify the disputed information, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ). 
3. Written notice of your findings within the 30-day period allowed by law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPT OF EDXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
b'I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.\n\nRequest for Verification:\nUnder 15 U.S.C.  1692g(b), you must provide:\n1.Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.\n2.A full itemization of the alleged debt, including principal, interest, fees, and all charges.\n3.Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt.\n4.Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX).\n\nPotential Fraud Concerns:\nI also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means (such as an insurance policy, a tax write-off or government bailout), then the alleged obligation may have been extinguished. Courts have held that a party cannot seek double recovery for the same loss, as seen in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX).\nAdditionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which supports the principle that the note and security instrument cannot be separated.\n\nCreditor Accepted payment. Account already discharged:\nThe alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity.\n\nCease and Desist Notice:\nUnder 15 U.S.C.  1692c(c), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my XXXX XXXX XXXX XXXX.\n\nXXXX XXXX XXXX\nOriginal Creditor: XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: No Limits Access
State: OH

Complaint narrative:
I asked for advice because I couldn't send money to anyone

Company response to consumer: Untimely response
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I am filing this complaint regarding inaccurate mortgage reporting by Mr. Cooper ( Nationstar Mortgage ) to XXXX, which has caused a significant and unjustified drop in my credit score.

Due to a natural disaster, I was approved by Mr. Cooper for a forbearance period, during which no mortgage payments were due. According to the terms of this agreement, my payments were not scheduled to resume until XX/XX/year>. I later applied for, and was approved for, a loan deferralformally moving the forbearance-period balance to the end of my mortgage term. I have written documentation from Mr. Cooper confirming both the forbearance and the deferral. 

Despite complying fully with the agreed terms, XXXX  is reporting that I am 120 days delinquent on my mortgage, which is false. This negative entry has resulted in a credit score drop of over XXXX points on XXXX. Importantly, XXXX  and XXXX  have accurately reflected the forbearance arrangement and are not reporting me as delinquent. 

To further demonstrate my compliance and good faith, I proactively made a {$6000.00} payment in XX/XX/year> toward my forbearance balance, even though my payments were not due to resume at that time. This payment is not being reflected in XXXX reporting, nor has Mr. Cooper acknowledged it in any way that would have prevented this negative credit impact. 

I contacted XXXX and filed a formal dispute. In addition, I attempted to obtain a written statement from Mr. Cooper confirming that they reported inaccurate information. Unfortunately, Mr. Cooper failed to provide such a statement or accept responsibility for the reporting error. 

This misreporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), which requires furnishers of information to report accurate data, and 1681s-2 ( b ), which requires a reasonable investigation of disputed information. 

I am requesting that the CFPB intervene to ensure Mr. Cooper : Acknowledges and corrects the inaccurate information reported to XXXX  ; Provides confirmation that the delinquency has been removed from my credit file ; Ensures that all credit bureaus reflect the accurate, non-delinquent forbearance and deferral status. 

This misinformation has harmed my financial standing and was reported despite my documented compliance with XXXX XXXX approved arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
I am a victim of XXXX XXXX. I alerted the credit bureaus to this issue and filed a police report which was provided to them along with a detailed dispute letter. Unfortunately after initially removing the fraudulent items so items have returned to my credit report. I have attached a PDF document to this complaint that contains a new dispute letter along with a copy of my photo ID and the police 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