vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate 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 2025-10-14 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: TX

Complaint narrative:
My credit report contains incorrect and misleading items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting a charged-off credit card account that I never opened or authorized. I have no relationship or history with XXXX, XXXX, or any of their financing programs. The account appeared on my credit reports in XXXX showing a charged-off balance, yet no signed application, purchase record, or billing statement has ever been provided. 
I immediately disputed this with all three credit bureaus and requested validation directly from XXXX under FCRA 605B and 609 ( e ). No documentation was produced, and the account continues to report as an active charge-off. Because the furnisher can not demonstrate that this debt is mine or that the data is accurate, this reporting is fraudulent and violates FCRA 607 ( b ) and 611. 
XXXX and its servicer, XXXX XXXX, have previously been subject to state and federal regulatory settlements concerning subprime credit reporting practices, reinforcing the need for strict accuracy. I am requesting deletion of this tradeline from all consumer-reporting agencies.

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 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Good afternoon, I have worked in public service for the most part since XXXX. I began repaying my student loans while working in public service since the inception of the Public Service Loan Forgiveness Program in XXXX. I've made XXXX payments ( incl. TPLSF payment counts ), since that time. Despite numerous requests over the years for an accounting of my payments and for forgiveness, my loans were not forgiven until XXXX XXXX. However, my students loans should have been forgiven in XXXX because I made my XXXX qualifying payment in XX/XX/XXXX. I've submitted a reconsideration request decision with both Mohela and Dept of Ed but neither have responded substantively. 

I have made several written and phone call requests to both entities for a history of my payment amount information in order to determine the total dollar amount of my overpayments in support of my requests a refund of my overpayments. While I was refunded for a ONE single overpayment made in XXXX, I have yet to receive acknowledgement of any other overpayments made since XXXX or the payment history information I've asked for. While payment counts are available on Student Aid.gov, the amount of each payment is not available on either party 's website, despite the representations of Mohela. I also filed a FOIA request with the Department of Education earlier this year but they have yet to provide the requested information. 

Most recently, in XX/XX/XXXX, I called both Student Aid.gov and Mohela about my overpayment information and reconsideration request and was referred back to Mohela for my payment information. In XX/XX/XXXX, Mohela provided a partial list of payments to XXXX, but the list was incomplete as it didn't include all payments through XXXX. It's like they are purposefully refusing to provide this payment information because it would substantiate my claim ( made in also in my reconsideratio requests ) that my student loans should have been forgiven years earlier than they were and that I am due a large refund for overpayments I made since XXXX when my loans should have been forgiven. 

I called again on XX/XX/XXXX, XX/XX/XXXX, and again today on XXXX, XXXX. My calls are either disconnected or I'm placed on hold indefinitely. If I'm ever able to reach a representative, they representatives are argumentative and make up different reasons about why they don't have the information to provide. Today, I've been on hold for over two hours already. 

Please let me know whether you would like my account information or copies of the incomplete information provided by Mohela or my requests to Dept of Ed and Mohela, including my reconsideration requests that have been substantively ignored. Thank you.

Company response to consumer: In progress
Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I formally requested validation of the alleged debts referenced as collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXXXXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXXXXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX collection account opened at XXXXXXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account opened at XXXX XXXXXXXX on XX/XX/XXXX account number XXXX XXXX XXXX Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CBC Companies, Inc.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime online making has reached my XXXX loan that started in XXXX. Showing that i receive this long. But I did not because they rejected the disbursement into my account approximately XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is reporting a charged-off credit card account that I never opened or authorized. I have no relationship or history with XXXX, XXXX, or any of their financing programs. The account appeared on my credit reports in XXXX showing a charged-off balance, yet no signed application, purchase record, or billing statement has ever been provided. 
I immediately disputed this with all three credit bureaus and requested validation directly from XXXX under FCRA 605B and 609 ( e ). No documentation was produced, and the account continues to report as an active charge-off. Because the furnisher can not demonstrate that this debt is mine or that the data is accurate, this reporting is fraudulent and violates FCRA 607 ( b ) and 611. 
XXXX and its servicer, XXXX XXXX, have previously been subject to state and federal regulatory settlements concerning subprime credit reporting practices, reinforcing the need for strict accuracy. I am requesting deletion of this tradeline from all consumer-reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: AR

Complaint narrative:
There is an error on my credit report i just need to make sure it's in good standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX BANK # XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX BANK # XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I signed because wells fargo used my information to make accounts

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 2025-10-14 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: SELECT PORTFOLIO SERVICING, INC.
State: KY

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Mortgage Servicing Complaint Urgent Foreclosure Matter Complainant : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Loan Number : XXXX Servicer : Select Portfolio Servicing, Inc. ( SPS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Foreclosure Law Firm : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Summary : I am submitting this complaint due to serious misconduct and delay on the part of Select Portfolio Servicing, XXXX ( SPS ) and their foreclosure attorney, XXXX XXXX XXXX, which threatens the wrongful foreclosure sale of my primary residence scheduled for XX/XX/year>. Despite my ongoing efforts to resolve the matter, including a formal application for loss mitigation and multiple requests for error correction and payoff statements, SPS has engaged in the following harmful actions : Failed to provide a timely and accurate payoff quote, blaming delays on the attorneys office. 
Forced placed insurance and PMI charges in violation of RESPA and TILA provisions. 
Drastically inflated escrow charges without explanation, increasing my monthly payment by over 600 %. 
Failed to respond to my Notice of Error submitted under 12 CFR 1024.35 and Request for Information under 1024.36. 
Engaged in dual tracking continuing foreclosure activities despite my pending application for assistance and RESPA dispute. 
Claimed they require the attorneys fee to finalize the quote, but XXXX XXXX has failed to submit it, blocking my ability to pay. 
Ignored my request to pay in full by certified funds and cancel the sale. 
I am prepared to pay the full amount owed and stop the sale, but their delay and refusal to process my payoff has created an artificial hardship that violates federal protections. 
Relief Sought : Immediate intervention to prevent wrongful foreclosure. 
Enforcement of my rights under RESPA and TILA. 
Review of all fees and account servicing practices by SPS. 
A halt to foreclosure proceedings while this complaint is investigated. 
Attached are copies of my Notice of Error, correspondence with SPS, and supporting documents. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Under IC System XXXX XXXX. XXXX, the debt belongs to XXXX XXXX XXXX the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My legal name is XXXX XXXX, which is different, and my address at the time, though in the same building, was apt XXXX. 

This debt does not belong to me. IC System failed to reach me or the true debt owner in time to correct this mistake and simply filed a collection notice with the credit rating agency XXXX, which cost me over XXXX credit scores over a debt that I do not owe! 

Though I could not find the original lease since it's been five years, I attached renter 's insurance and renewal notice from the building that will prove I was living in apt XXXX at the time and hence do not owe said debt!

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 2025-10-14 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: NJ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2025-10-14 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: AZ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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