vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
This is not a duplicate complaint. 

I am submitting this complaint because the lender is refusing to provide documentation confirming that the lien has been released, despite the associated loan being determined to be fraudulent and removed from my credit report by XXXX. 

The account was the result of identity theft, and my personal information and signature were used without my consent. After filing a police report, submitting an FTC identity theft affidavit, and disputing the account, XXXX  completed an investigation and deleted the loan from my credit report. 

However, I have made multiple attempts to obtain written confirmation or documentation that the lien has been released, and the lender has refused to comply. 

This documentation is legally necessary to correct the public record and ensure no further harm results from a loan that has already been proven fraudulent. 

I am not requesting any action related to the loan balance, payments, or ownership only that the lender comply with their obligation to issue proper documentation reflecting that no valid lien remains. 

Failure to provide this documentation may constitute a violation of : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) The Identity Theft and Assumption Deterrence Act And applicable state property and consumer protection laws I respectfully request that this complaint be reviewed and not dismissed as a duplicate, as the issue has not been resolved and the lenders refusal to provide documentation is ongoing and unlawful. 

Documentation supporting this request can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
Dispute of Multiple Inaccurate Charge-Offs and Derogatory Accounts FCRA 611 / FDCPA 809 / Metro 2 Violations -- -- - Complaint : I am submitting this complaint to dispute multiple inaccurate, incomplete, and unverifiable accounts being reported on my Experian credit report dated XX/XX/2025. The following creditors have failed to comply with the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards by reporting derogatory tradelines without providing full validation or required documentation. 
XXXX. XXXX XXXX XXXX XXXX Account ending in XXXX Status : Charged off with {$33000.00} written off. 
No original signed contract or agreement. 
No itemized billing statement provided. 
No proof of lawful assignment of debt. 
Violations : FCRA 611 ( a ) ( 1 ), FDCPA 809 ( b ), FCRA 609 ( a ) ( 1 ), Metro 2 noncompliance. 
2. XXXX Account ending in XXXX Status : Charged off for {$2500.00}. 
Reported with 11 months of delinquency. 
No documentation or validation of the debt has been furnished. 
3. XXXX XXXX XXXX Account ending in XXXX Status : Charged off for {$18000.00}. 
5 months of negative reporting without any account ledger or validation. 
No proof of original contract or payment record. 
4. XXXX XXXX XXXX ( sold to XXXX XXXX XXXX ) Account ending in XXXX Status : Charged off for {$19000.00}. 
No original agreement, itemized charges, or lawful transfer evidence provided. 
Reported inaccurately as transferred without verification. 
5. XXXX / XXXX XXXX Mortgage Account ending in XXXX Status : Open, 3 late payments reported.

Discrepancies in payment history timeline and missing data fields.

Labeled as " loan modified under federal plan '' but lacks required modification documentation. 
XXXXotential Metro 2 and FCRA 611 ( a ) ( 1 ) violation.

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 2025-07-16 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: PA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Rest to Block and Delete Fraudulent Inquiries Identity Theft Victim Dear Experian Consumer Services, I am writing to formally request the blocking and deletion of fraudulent inquiries and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the Experian data breach, and unauthorized inquiries have been fraudulently opened in my name. 
The fraudulent inquiries that I have identified on my credit report are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681c-2 ( a ), I request that Experian promptly block and delete the fraudulent inquiries from my credit file to prevent further harm to my credit profile. 
Furthermore, I request written confirmation that these inquiries have been removed, as well as an updated copy of my credit report reflecting these changes. 
If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 
Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 2025-07-16 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: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NJ

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 2025-07-16 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
XXXX  XXXX did a hard inquiry on my credit report XX/XX/year>. I did not authorize this, I have no association with 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 2025-07-16 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Continental Services Group, Inc. d/b/a ConServe
State: AL

Complaint narrative:
I am writing to formally file a complaint against [ Conserve, XXXX, XXXX, XXXX  ] for violating the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ). 

According to this section, consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information they report. Unfortunately, the information currently appearing on my credit report is inaccurate and damaging, and I have reason to believe that [ Conserve ] has failed to meet this legal obligation. 

I have attempted to resolve this issue by disputing it directly with the credit reporting agency, and/or with the furnisher of the data. However, the problem has not been properly investigated or corrected, and the inaccurate information remains. 

This failure to ensure accuracy has caused harm to my creditworthiness, including denied credit, increased interest rates, and emotional distress. I request that the CFPB investigate this matter and hold [ Conserve ] accountable for its failure to comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in regard to a collection account originally placed on my credit report in XX/XX/year> by XXXX in the amount of {$620.00}. I formally disputed this account with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>. As a result of that dispute, XXXX removed the collection from my credit report. 

However, within 60 days of that dispute and removal, this same collection has now reappeared under National Recovery Agency, also for {$620.00}. This action is highly concerning and appears to be a violation of my consumer rights. 

To date, neither XXXX nor National Recovery Agency has provided any validation of the accuracy of this debt, including : When this account was first or last delinquent When and how it was incurred Whether it has been validly assigned or sold Any evidence that I have had such an account within the last 7 to 10 years Furthermore, I want to point out that the CFPB was involved in the initial investigation against XXXX, and no supporting documentation was ever provided to validate the debt at that time. 

I am requesting immediate removal of this invalid collection account from my credit report. Please consider this a formal dispute and demand for validation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Failure to remove this re-reported account or provide sufficient validation may result in further complaints to the CFPB and legal action.

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 2025-07-16 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: PA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Rest to Block and Delete Fraudulent Inquiries Identity Theft Victim Dear Transunion Consumer Services, I am writing to formally request the blocking and deletion of fraudulent inquiries and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the TransUnion data breach, and unauthorized inquiries have been fraudulently opened in my name. 
The fraudulent inquiries that I have identified on my credit report are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S.C. 1681c-2 ( a ), I request that Transunion promptly block and delete the fraudulent inquiries from my credit file to prevent further harm to my credit profile. 
Furthermore, I request written confirmation that these inquiries have been removed, as well as an updated copy of my credit report reflecting these changes. 
If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 
Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 2025-07-16 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: CO

Complaint narrative:
My repeated requests to correct and remove false and inaccurate information from my credit report have continuously been denied or disregarded. As a consumer, I am fully aware of my rights under the law, and I believe those rights are being violated by the reporting of information that does not meet the standard of maximum possible accuracy. This ongoing issue is unfairly damaging my credit score and negatively affecting many aspects of my life.

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 2025-07-16 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: NY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-16 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: TX

Complaint narrative:
I am reaching out because Transunion is helping XXXX XXXX XXXX put incorrect information on my credit report related to the account below : Account Name : XXXX XXXX XXXX ( account # XXXX ) Company is reporting last payment date of XX/XX/XXXX but reported no payment amount, or any payment history, reporting that account closed in XXXX account closed in XX/XX/XXXX why is it still reporting late payments? Balance amount reported is inaccurate as in XXXX to XX/XX/XXXX no balance was reported. XX/XX/XXXX to XX/XX/XXXX a balance of {$320.00} was reported, XXXX a balance of {$350.00} is reported. 

Reported a high balance history $ XXXX XX/XX/XXXX to XX/XX/XXXX and payment history {$320.00} and {$350.00} Reported XXXX XXXX XXXX days late payments, XXXX XXXX XXXX days late paymentsXXXX XXXX XXXX XXXX  days late payments. 
As defined by the IRS : The IRS considers a Charge off to be income, either as gross or ordinary income. Income like this does not belong on a credit report, so this information on my report is not accurate!

By IRS rules, any canceled debt or Charge off is classified as income, reporting this a s a debt is incorrect.

According to 15 USC 1681s-2 Account name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

* * 15 USC s-2 ( a ) ( 1 ) ( A ) : a person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and, the information is, in fact inaccurate.

This in summary I've shown you that this information is wrong, and you have been notified, keeping inaccurate inform on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency.

Please delete the incorrect information from my report immediately.

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 2025-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I am submitting this formal complaint against Carrington Mortgage Services for their failure to adhere to FHA loss mitigation guidelines in the processing of my loan modification. Their actions have resulted in a substantial increase to my interest rate and monthly payment, which has caused financial harm and appears to violate both the intent and specific requirements of FHA loan servicing regulations.

Prior to the modification, my mortgage carried a fixed interest rate of 3.265 %, secured at a historically low rate. However, Carrington approved a modification that more than doubled my interest rate to the current prime rate. This violates HUDs loss mitigation waterfall as outlined in HUD Handbook 4000.1, which does not allow interest rate increases as part of any FHA loan modification. FHA guidelines require servicers to utilize available tools to make the mortgage affordable, including capitalization of arrears and reamortization, without increasing the interest rate. FHA guidelines do not allow for interest rate increases as part of any loan modification.

As a result of this deviation, my mortgage has become unnecessarily less affordable, despite the purpose of the modification being to bring my loan current and avoid foreclosure and has placed financial strain on me. I have been charged excess interest that I would not have paid had the guidelines been properly followed prolonged payoff further as a significant portion of the payment is now applied to interest.

This modification structure is not only non-compliant, but it also causes financial harm and raises concerns about broader servicing practices that may impact other FHA borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: RI

Complaint narrative:
I am writing to formally request the immediate and permanent deletion of the XXXX XXXX XXXX account referenced above from my credit file. This account continues to be reported inaccurately despite my original dispute dated XX/XX/year>, and your failure to correct or delete it constitutes a willful and repeated violation of the Fair Credit Reporting Act ( FCRA ), the Dodd-Frank Act ( UDAAP ), and the Metro 2 reporting standard. The errors outlined below clearly demonstrate noncompliance with federal law and technical reporting obligations. FTC Report 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