vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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:
I am submitting this dispute because I am noticing several items on my Experian credit report that appear inaccurate, incomplete, or not being reported with the highest level of accuracy as required under the FCRA and Metro 2 guidelines. I am requesting a full investigation and correction. 

CHARGED OFF XXXX XXXX XXXX, Acct : XXXX, XXXX : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Acct : XXXX, XXXX : XX/XX/XXXX, Balance : {$0.00} INQUIRIES ( No inquiries listed for dispute ) POSITIVE ( No positive accounts listed ) LATE PAYMENT XXXX, Acct : XXXX XXXX XXXX, Acct : XXXX XXXX XXXX XXXX, Acct : XXXX These late payments appear incorrect or inaccurately reported. Please conduct a reinvestigation.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. CXX/XX/XXXXe XXXX, which requires a proper reinvestigation of disputed items, and XXXX ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. XXXXb, creditors must allow at least XX/XX/XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
I, XXXX XXXX, declare under penalty of perjury pursuant to 28 U.S.C. 1746 that the following statements are true and correct to the best of my knowledge and belief : This letter serves as a formal legal notice and demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

I am disputing and demanding immediate deletion of the following accounts, which are being inaccurately and unlawfully reported under my consumer credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX | Account No. XXXX Credit Card Charged Off {$1300.00} Past Due | Improper charge-off reporting ; unverified delinquency ; no documentation of charge-off ; balance inconsistencies under FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Loan 1 ) * * | Account No. XXXX Open Balance {$4600.00} Opened XX/XX/XXXX | Payment data not updated ; possible duplication ; no recent validation provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Loan 2 ) XXXX XXXX | Account No. XXXX Open Balance {$2900.00} Opened XX/XX/XXXX | Duplicate account sequence ; inconsistencies in balance reporting ; missing verification under FCRA 611 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Loan 3 ) XXXX XXXX | Account No. XXXX Open Balance {$5700.00} Opened XX/XX/XXXX | Duplicate reporting of student loans under same servicer ; inconsistent monthly payment and balance updates. 
XXXX XXXX XXXX XXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXX  | Charged Off {$100.00} Past Due Written Off {$100.00} Improperly reported as charged off without validation ; no record of notice ; inconsistent with Affirms terms. 

XXXX XXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXX | Paid, Closed Incorrectly showing inactive derogatory flag ; should be reported Paid as agreed. 

XXXX XXXX XXXX XXXX  ( Account # ZLIIXXXX ) XXXX XXXX | Paid, Closed Duplicate account record ; unverifiable loan record ; inconsistent with payment records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Account No. XXXX Collection {$490.00} Past Due | Improper balance reporting ; recent payment not reflected ; missing proof of ownership ; possible violation of FDCPA 807 ( 8 ). |

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 2025-11-24 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: LA

Complaint narrative:
I, XXXX XXXX, declare under penalty of perjury pursuant to 28 U.S.C. 1746 that the following statements are true and correct to the best of my knowledge and belief : This letter serves as a formal legal notice and demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

I am disputing and demanding immediate deletion of the following accounts, which are being inaccurately and unlawfully reported under my consumer credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX | Account No. XXXX Credit Card Charged Off {$1300.00} Past Due | Improper charge-off reporting ; unverified delinquency ; no documentation of charge-off ; balance inconsistencies under FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Loan 1 ) * * | Account No. XXXX Open Balance {$4600.00} Opened XX/XX/XXXX | Payment data not updated ; possible duplication ; no recent validation provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Loan 2 ) XXXX XXXX | Account No. XXXX Open Balance {$2900.00} Opened XX/XX/XXXX | Duplicate account sequence ; inconsistencies in balance reporting ; missing verification under FCRA 611 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Loan 3 ) XXXX XXXX | Account No. XXXX Open Balance {$5700.00} Opened XX/XX/XXXX | Duplicate reporting of student loans under same servicer ; inconsistent monthly payment and balance updates. 
XXXX XXXX XXXX XXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXX  | Charged Off {$100.00} Past Due Written Off {$100.00} Improperly reported as charged off without validation ; no record of notice ; inconsistent with Affirms terms. 

XXXX XXXX XXXX XXXX  ( Account # XXXX ) XXXX XXXX | Paid, Closed Incorrectly showing inactive derogatory flag ; should be reported Paid as agreed. 

XXXX XXXX XXXX XXXX  ( Account # ZLIIXXXX ) XXXX XXXX | Paid, Closed Duplicate account record ; unverifiable loan record ; inconsistent with payment records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Account No. XXXX Collection {$490.00} Past Due | Improper balance reporting ; recent payment not reflected ; missing proof of ownership ; possible violation of FDCPA 807 ( 8 ). |

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries.

The specific inquiries I am referring to are as follows : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my 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 2025-11-24 00:00:00
Product: Mortgage — Conventional home 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am filing a complaint against PHH Mortgage regarding improper foreclosure activity and failure to provide a consistent or trustworthy resolution process. 

The foreclosure sale is scheduled for XX/XX/year>. The homeowner is incapacitated and unable to communicate. A Transfer on Death Deed ( TODD ) was recorded earlier this year, and upon legal transfer, I have a buyer ready who can immediately pay off the loan in full.

PHH has recently stated they are willing to work with me as a third-party representative. However, I have concerns based on prior actions by PHH. Specifically, PHH previously accepted payments under a forbearance program while still continuing foreclosure activity at the same time, which created confusion and made it unclear whether the account was being properly handled.

Because of this past issue, I do not feel confident that PHH will pause foreclosure or conduct a proper review unless oversight is involved.

PHH has also not provided : A single point of contact A clear explanation of available loss-mitigation options Confirmation that foreclosure activity will stop during review I am requesting that the CFPB require PHH to : 1. Conduct a proper review of the account and my request for assistance.

2. Confirm whether foreclosure activity will be paused during the review.

3. Provide a single point of contact and clear communication.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-24 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: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-24 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: NY

Complaint narrative:
I would like all these unauthorized INQUIRES to be remove from my credit report so my credit report can update accurately. 

INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: ID

Complaint narrative:
I am disputing the inquiries and late payment reporting below because I do not recognize some of them, and others may not have proper verification. I am requesting a full investigation.

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Please verify the legitimacy and permissible purpose for each inquiry. 

LATE PAYMENT XXXX XXXX XXXX This reporting appears inconsistent and may be inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that [ TRANSUNION ] immediately block and permanently remove multiple fraudulent accounts [ Collections, Charge-Offs, Late Payments, and Hard Inquiries ] that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report ( Criminal Complaint # XXXX ) along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 

I request that the following fraudulent items be blocked within 4 business days. I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer FICO TransUnion credit report, which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a Credit Card opened at XXXX  XXXX on XX/XX/XXXX, under account number XXXX in the amount of {$1100.00} ; a Credit Card opened at XXXX  XXXX on XX/XX/XXXX, under account number XXXX in the amount of {$480.00} ; a Credit Card opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX in the amount of {$0.00} ; an Installment account opened at XXXX XXXX on XX/XX/XXXX, under account number XXXX in the amount of {$7700.00} ; and an Installment account opened at XXXX on XX/XX/XXXX, under account number XXXX in the amount of {$0.00}. They have resulted in multiple fraudulent hard inquiries, collections, and charge-offs appearing on my consumer FICO credit report. This is a formal block request for fraudulent items, and I do not authorize any disputes to be opened without my written authorization. I authorize only the blocking of the aforementioned fraudulent items on my consumer report. 

It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-11-24 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: VA

Complaint narrative:
After reviewing my credit report, I found that Experian is reporting a chargeoff and a collection account that appear inaccurate, incomplete, or unverifiable. One creditor is reporting years of late payments and repeated chargeoff activity, but the payment history contains large gaps of missing data, no data months, and inconsistent delinquency timelines that make the reporting unreliable. I was never provided clear billing statements or delinquency notices supporting the multi-year chain of late payments or the chargeoff itself. Another company is reporting a collection account for a balance allegedly transferred from a prior creditor, but I have not been provided with proof of assignment, an itemized breakdown of the balance, or documentation confirming that the collector has the legal right to report or collect the debt. Additionally, several duplicated hard inquiries appear on my Experian file from the same lenders on the same dates, even though I did not authorize multiple separate credit pulls. These issues have harmed my credit and the companies have not provided proper verification to justify the negative information being furnished.

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 2025-11-24 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation