vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not relI just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.ated to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
I have been providing documents and calls request to the company listed below and they are not providing any resolution of this clear CASE of IDENTITY THEFT and as a matter or resolution, I am creating this complaint, so you GUYS can help on this matter. 

XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) Account Type : Collection Balance : {$950.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : XXXX Opened on : XX/XX/XXXX XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX Account Type - Detail : XXXX XXXXXXXX XXXX XXXXXXXX Account Type - Detail : Credit Card Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXX XXXX  Account Type - Detail : Credit Card Balance : {$1100.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: NC

Complaint narrative:
I have been providing documents and calls request to the company listed below and they are not providing any resolution of this clear CASE of IDENTITY THEFT and as a matter or resolution, I am creating this complaint, so you GUYS can help on this matter. 

XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) Account Type : Collection Balance : {$950.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : XXXX Opened on : XX/XX/XXXX XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX Account Type - Detail : XXXX XXXXXXXX XXXX XXXXXXXX Account Type - Detail : Credit Card Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXX XXXX  Account Type - Detail : Credit Card Balance : {$1100.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NC

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 Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00}

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 explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: PA

Complaint narrative:
XXXX, XXXX, I entered into a repayment program for XXXX XXXX to catch up on my late payments. This payment arrangement was fulfilled in XXXX, XXXX. I received a phone call from an agent at Fay Servicing around XX/XX/XXXX informing me I was still delinquent. She then advised me I had to pay {$150.00} to completely fulfil my XX/XX/XXXX payment. This was drafted from my account XX/XX/XXXX. She then proceeded to make another payment arrangement over the phone for approximately XXXX for XXXX  months to catch me up completely. I then started receiving foreclosure notices the last week of XXXX and certified letters. I called today, XXXX and spoke with a XXXX, and she explained to me there was no payment plan in the system and did not know where the XXXX was applied to. She said she assumed it went towards lates fees. She then stated there was some money in escrow to be applied and she was going to request that it be applied to my balance. She could not tell me what I owed, what my payment would be, or any status of a payment arrangement. She said she would contact me sometime next week to follow up as soon as the account manager applied the funds. She then stated if I did not hear from her by the end of the week to call in. 


This will be my XXXX  complaint about this mortgage company. The incompetence of every single employee I have encountered is RIDICULOUS. 

This will be my XXXX  complaint about this mortgage company. The incompetence of every single employee I have encountered is RIDICULOUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: U.S. BANCORP
State: PA

Complaint narrative:
Im having trouble getting my credit report delivered to my address at XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX PA XXXX. My name is XXXX XXXX. I believe I have credit card theft and identity theft. I made a police report. One day on XXXX XXXX I noticed a bunch of delinquencies on my credit report and I noticed my Social Security number was dropped into the dark web on XX/XX/XXXX XXXX XXXX also one of my emails XXXX was dropped into the dark web on XX/XX/year>. All as I should have on my credit is a eight-year-old credit card from XXXX  XXXX a current credit card from XXXX  XXXX with a {$300.00} limit and I have a fine thats not in collections and I have taxes owed that arent in collections. I need help to figure this out. I do not know where to turn. My phone number is XXXX thank you.

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 2025-06-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
SIR OR MA'AM TO WHOM IT MAY CONCERN. I WOULDN'T KNOW WHO IT IS AND HAS BEEN. THIS COMPANY IS RELENTLESS, UNPROFESSIONAL, DISTASTEFUL, AND DISRESPECTFUL. I HAVE PROVIDED POLICE REPORTS OVER AND OVER AGAIN TO XXXX XXXX  AND TO XXXX XXXX XXXX. SOME OF THEIR REPS SHOULD GO BACK TO TRAINING, BECAUSE THEY ARE TAKING THIS POSITION OF EMPLOYMENT PERSONAL AND MAKING PEOPLE SUFFER FOR THEIR POSITION/STATUS ON A JOB. AND DEFINITELY THE XXXX XXXX LADY THAT I SPOKE TO PREVIOUSLY, WHO IS NEVER AVAILABLE WHEN I CALL HER NEEDS TO BE TERMINATED. MY LIFE NOT TIME DOES NOT DEPEND NOR REVOLVE AROUND WHEN SHE DECIDES TO BE AVAILABLE IN HER PLACE OF EMPLOYMENT AT XXXX XXXX XXXX. SHE PROVIDED THE SOCIAL SECURITY NUMBER TO WHOMEVER IT WAS ONLY ONCE ; BUT WHEN I ASKED HER TO PROVIDE IT TO ME AGAIN TO GIVE TO XXXX XXXX XXXX TO GET THIS RESOLVED, SHE COMMANDS THAT I'M TO PAY A DEBT THAT THIS THIRD PARTY COMPANY HAS ALREADY PAID, AND THAT I DID NOT DO. I AM FED UP WITH THE HARASSMENT, AND INFERFERENCE IN MY LIFE. IT'S FRIGHTENING.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm a victim of Identity theft. My personal information was compromised by a data breach at XXXX XXXX XXXX. of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TransUnion Credit Bureau, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX and XXXX. And my person information has been found on the Dark Web. I have several unauthorized accounts and some unauthorized inquiries on my credit report. 

TransUnion received a copy of my Identity Theft Dispute on XX/XX/XXXX ( see attached XXXX XXXX confirmation ). According to The Consumer Financial Protection Bureau and the Fair Credit Reporting Act, credit bureaus must block the reporting of the information on your credit report that you alledged resulted from Identity Theft within XXXX business days. Attached is an updated email from TransUnion dated XX/XX/XXXX that states that they have received my dispute for 3 days. When in fact it has been XXXX business days. TransUnion accepts an Identity Theft Dispute just like any other dispute.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This creditor is furnishing incorrect information on my consumer report. ( See attachments )

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

Complaint narrative:
This creditor is furnishing incorrect information on my consumer report. ( See attachments )

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 2025-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several credit inquiries listed on my report that I did not initiate or authorize. These inquiries are a result of someone fraudulently using my personal information without my knowledge or consent.

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

Complaint narrative:
Im writing to dispute the way one of my accounts is being reported. According to 15 USC 1666B, this qualifies as a billing error. Ive always paid this account on time and as agreed, and theres no valid reason it should be showing anything different.

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 2025-06-06 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: Security Credit Services, LLC
State: TX

Complaint narrative:
Subject : Formal Complaint Against Security Credit Services Inaccurate and Misleading Credit Reporting ( Account # XXXX ) To Whom It May Concern, I am filing a formal complaint against Security Credit Services for potentially violating the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to report accurate information, 15 U.S.C. 1681s-2 ( b ) ( 1 ) Duty to investigate disputed information, 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) Exclusion of certain accounts from being reported on consumer reports.

Nature of the Complaint : Security Credit Services is reporting account number XXXX, which was originally opened under a different creditor and subsequently charged off. After the original creditor sold the account, Security Credit Services began reporting the debt. Despite its charge-off status, the account is still being actively updated in XXXX, which is misleading and inaccurate.

It appears that false account history is being reported to manipulate the statute of limitations, effectively re-aging the account to keep it on my credit report longer than permitted under federal law. This deceptive practice creates a false narrative of recent activity that misrepresents the true age and status of the debt, causing undue harm to my credit profile and financial standing. 

This tactic of updating an already charged-off and sold account gives the impression of continued delinquency when no legitimate collection activity has occurred. This reporting is not only inaccurate but potentially unlawful.

Requested Action : Immediate removal of the re-aged and inaccurately reported account ( # XXXX ) from all credit reporting agencies.

A formal investigation into Security Credit Services ' reporting practices and adherence to FCRA requirements.

Written confirmation that Security Credit Services will ensure all future reporting is compliant with federal law and will cease attempts to artificially extend the life of derogatory items on consumer credit reports.

Background : I have made prior efforts to resolve this matter directly with Security Credit Services but have not received a meaningful or satisfactory response. As a result, I am now turning to the CFPB to request your oversight and support in ensuring my rights under the FCRA are protected.

This ongoing misreporting is materially damaging my creditworthiness, and I respectfully request swift and thorough action from your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Im writing to dispute the way one of my accounts is being reported. According to 15 USC 1666B, this qualifies as a billing error. Ive always paid this account on time and as agreed, and theres no valid reason it should be showing anything different.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
DPT EDXXXX Opened XX/XX/year> DPT EDXXXX Opened XX/XX/year> {$6400.00} {$4200.00} 15 USC 1681b -Permissible purpose of consumer report 15 USC 1666b - Timing of payments 15 USC 1692b - Acquisition of location information 39 USC 3001 - No mailing of statement or bill in mail 15 usc 1681 ( I ) ( n ) I have not supplied proof under the doctrin-of estoppel by silence, Engelhardt v Grav ( Mo ) 281 SW 715 719 | May Presume that r proof of the alleged Debt, nor therefore any such debt in fact exists Please remove all immediately Section 605b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: Kriya Capital, LLC
State: MI

Complaint narrative:
DPT EDXXXX Opened XX/XX/year> DPT EDXXXX Opened XX/XX/year> {$6400.00} {$4200.00} 15 USC 1681b -Permissible purpose of consumer report 15 USC 1666b - Timing of payments 15 USC 1692b - Acquisition of location information 39 USC 3001 - No mailing of statement or bill in mail 15 usc 1681 ( I ) ( n ) I have not supplied proof under the doctrin-of estoppel by silence, Engelhardt v Grav ( Mo ) 281 SW 715 719 | May Presume that r proof of the alleged Debt, nor therefore any such debt in fact exists Please remove all immediately Section 605b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$360.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

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

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : 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 Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation