vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
Last 4 SSN : XXXX To whom it may concern, I, XXXX XXXX, never gave ( Equifax, Experian, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : 1 ) XXXX ( XXXX ) 2 Sincerely, 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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
My Cash App account has been compromised. I did not authorize any changes to my account, and I recently discovered that the email tied to my account was changed to XXXX without my permission. 

I also noticed multiple unauthorized login attempts and a {$370.00} pending transaction to XXXX XXXX that I did not make. 

Please lock the account, reverse the transaction if possible, and restore my original email and access immediately. 

I am the rightful owner. Here is my information : Phone number : XXXX My original email : XXXX XXXX known balance : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CT

Complaint narrative:
Im supposed to be in a forbearance because of the income driven repayment plan being in litigation in federal courts. I got confirmation on my last call with MOHELA .. they unfairly reported me XXXX days delinquent and my score dropped XXXX points and now Im risking my credit. More detail, details and documentation attached

Company response to consumer: Untimely response
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute two accounts currently being reported on my Experian credit report, which constitute violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2 and 1681b.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an Identity Theft Report, credit reporting agencies are legally required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following fraudulent accounts must be blocked and permanently deleted from my Experian credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Furthermore, under 15 U.S.C. 1681b, no consumer report may be issued without a permissible purpose or the consumers explicit written consent. I never authorized the opening or reporting of these accounts. There is no contract or signature from me granting permission for these to be reported, making their inclusion a clear FCRA violation. 

I have previously contacted Experian about these issues, but to date, I have not received a proper resolution. This situation is causing ongoing harm to my financial wellbeing, as I am actively pursuing a mortgage and access to essential financial tools to support my family and economic growth. 

These accounts have already been deleted by other credit bureaus after they failed to verify them as required by law. It is unclear why Experian continues to report them. 

I have also requested copies of any contracts from the furnishers of these accounts and have received no response in over 60 days, confirming that there is no valid documentation to support their reporting. 

In light of the above and in accordance with FCRA 1681c-2 and 1681b, I demand the immediate removal of these accounts and request confirmation that they will no longer appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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:
experian credit reporting is refusing to remove 2 accounts from my credit file. Experian has also blocked my online access to dispute accounts and when i mail in my dispute Experian always says that they never received it or it is processing. Accounts - XXXX XXXX XXXX XXXX, BALANCE XXXX, STATUS - CLOSED. Account # XXXX - XXXX XXXX XXXX XXXXXXXX, BALANCE XXXX, STATUS- CLOSED. These accounts were NEVER AUTHORIZED BY MYSELF XXXX XXXX XXXX TO BE PUT ON MY EXPERIAN CREDIT FILE. THESE ACCOUNTS ARE NOT MINE AND SHOULD NOT BE APART OF ANY CREDIT FILE WITH ANY REPORTING BUREAU BEARING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH. EXPERIAN IS VIOLATING MY PRIVACY RIGHTS AND IS ALSO VIOLATING MY PRIVACY BY ALLOWING XXXX XXXX UNAUTHORIZED USE AND ACCESS TO MY CREDIT FILE. THESE 2 ACCOUNTS ARE TO BE BLOCKED FROM CREDIT FILE AND ALL REPORTING FROM CREDITOR CEASE

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX Called into Equifax to talk to someone to help verify my identity they said they couldnt help over the phone very rude then just told me to send letter with my social security, ID, utility bill and request the manually start reporting my score. Sent letter out via post office on XX/XX/XXXX and have waited XXXX days and have yet to see any change in my score reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
RE : Request for Debt Validation Account # XXXX To Whom It May Concern, This letter is sent in response to your recent communication regarding the above-referenced account. Please be advised that I am requesting a full and complete validation of this alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I do not acknowledge this debt and request that you provide the following : 1. The name and address of the original creditor.

2. The original account number associated with this alleged debt.

3. A complete itemization of the amount claimed, including principal, interest, fees, and other charges.

4. A copy of the original contract or agreement bearing my signature.

5. Documentation proving that LVNV Funding has the legal right to collect on this debt. 

Until you provide the documentation requested, I request that you : Cease all collection activity including phone calls, letters, or legal action. 
Cease reporting this debt to any credit reporting agencies, or, if already reported, mark the debt as disputed. 

Please treat this letter as a formal request for debt validation and a notice to preserve all records. If you do not provide proper validation, you must cease collection and remove any related entries from my credit reports. 

I expect a written response within 30 days of your receipt of this letter. Please be aware that failure to comply may constitute a violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX or XXXX XXXX XXXX, my date of birth is XXXX XXXX XXXX. My social security number is XXXX. I have attached my license and social security card for identity. I checked my credit and noticed several severe inaccuracies. In the personal information section, I requesting that the following reporting be deleted and corrected. 

XXXX. XXXX XXXX please remove The correct spelling is XXXX XXXX 

XXXX. XXXX XXXX please remove wrong spelling XXXX. XXXX XXXX please remove incorrect spelling XXXX. XXXX XXXX please remove other people 's name from my credit file. Does not belong to me. 

XXXX. XXXX XXXX please remove other people 's name from my credit file. Does not belong to me XXXX XXXX XXXX XXXX XXXX, remove this address, I never lived here. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX remove this address, I never lived here. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX, remove this address, I never lived here. 

XXXX. XXXX, remove this address, I never lived here. 

XXXX, XXXX, remove this address, I never lived here. 

XXXX. XXXX. 

Please do not mix up or add anyone else 's information to my credit file. The following personal information section should list the following as accurate information : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX of birth : XX/XX/XXXX  Social Security number : XXXX Current address : XXXX XXXX XXXX XXXX XXXX Va XXXX. 

Please make these changes as soon as possible this has hurt my ability to secure 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 2025-07-13 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:
Please check the information concerning the Equifax data breach below in 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 explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
Please check the information concerning the Equifax data breach below in 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 2025-07-13 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:
XXXXXXXX XXXX XXXX Amount : {$400.00} Date Opened : XX/XX/year> Youre reporting an account that does not belong to me. Im requesting a 30 day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in 30 days if not please remove from credit report. 

* Please show the original contract with my signature that shows I owe this debt. 
* I need to see the assignment contract between you and the original creditor. 
* Proof that this debt is within the statute of limitations in the state of Pennsylvania. 
* Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania. 

Thank you Ill be looking to hear back in 30 days, if not please remove this unknown account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Debt Validation Request for Account I am writing in response to your dated in which you claim I owe a debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide proper validation of the alleged debt. 

Pursuant to 15 U.S.C. 1692g, I respectfully request the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A detailed breakdown of how the debt amount was calculated ( including interest, fees, payments ) ; 4. A copy of the original agreement or contract bearing my signature ( if applicable ) ; 5. Documentation that proves you are legally authorized to collect debts in my state ; 6. The name and address of the current creditor ( if different from the original ) ; 7. A copy of any judgment ( if one exists ).

Please cease all collection activities until this requested validation is provided. If you are unable to validate the debt, you are required to stop collection efforts and must not report this information to credit reporting agencies or must remove any prior reporting. 

This is not a refusal to pay, but a request for proof and clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: CBC Companies, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am submitting this formal dispute under my rights guaranteed by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and I am also notifying you that I am a victim of XXXX XXXX as defined under federal law.

I am demanding the immediate deletion of the following inaccurate, unverifiable, and fraudulent accounts from my Innovis credit report : XXXX, Account # : XXXX ( Opened XX/XX/XXXX ) XXXX, Account # : XXXX ( Opened XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX, Account # : XXXX These accounts contain information that is inaccurate and/or resulted from XXXX XXXX  and therefore must be permanently blocked and deleted under 15 U.S.C. 1681c-3, which grants me the right to have any information resulting from XXXX  removed from my file. 
MY RIGHTS UNDER THE FCRA & XXXX XXXX  AMENDMENT : Under 15 U.S.C. 1681i ( a ) and 1681c-3, you must : 1. Immediately block and delete any information resulting from XXXX XXXX activities.

2. Conduct a reasonable reinvestigation of each disputed item.

3. Forward all relevant information I provide to the data furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ).

4. Complete this reinvestigation within 30 days and provide me with a detailed description of the procedures used, including the name, address, and phone number of each furnisher you contacted ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ). 
MANDATE FOR HUMAN REVIEW NO AUTOMATION : I specifically demand that this reinvestigation be conducted by a qualified human agent, not an automated system such as e-Oscar. Using a fully automated verification process fails to satisfy the legal standard for a reasonable reinvestigation, especially when dealing with the severe impacts of XXXX XXXX. 
NOTICE OF LIABILITY : Should you fail to comply with these legal requirements including your obligations to block information under 15 U.S.C. 1681c-3 I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the New York State Attorney General, and will pursue civil action under 15 U.S.C. 1681n and 1681o, seeking actual, statutory, and punitive damages plus attorneys fees. 
ATTACHED SUPPORTING DOCUMENTS : I am enclosing copies of my government-issued ID and proof of address FINAL DEMAND : You must complete this reinvestigation within 30 days and provide me : Written confirmation that both Aidvantage accounts and the XXXX XXXX XXXXXXXX account have been permanently blocked and deleted, if unverifiable or found to be related to my XXXX  status. 
An updated copy of my Innovis credit report. 
A detailed summary of your reinvestigation procedure and all data furnishers contacted. 
Thank you for your immediate compliance with these federal protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is knowingly reporting unverifiable debt in violation of 15 U.S.C. 1681i. I submitted formal disputes requesting lawful verification of alleged accounts. Instead of receiving any verified proof, such as a wet-ink signature, original contract, or sworn affidavit establishing a continuing obligation, Experian responded with a statement that the information was verified based solely on internal data matching, not external evidence.

This violates the Fair Credit Reporting Acts requirement for independent reinvestigation and deletion of unverifiable information. The term verified, as used by Experian, appears to rely on administrative definitions, not legal verification based on truth in equity or competent evidence. This creates a false presumption of debt against my private trust estate.

I raise issue with the CFPBs ongoing allowance of this misrepresentation under the term verified, which fails to meet equity standards or fulfill due process. The burden of proof remains unmet, and the item must be deleted immediately under 15 U.S.C. 1681i ( a ) ( 5 ) ( 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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: TX

Complaint narrative:
I dont know who they are???! Ive never had a loan with SST?? Is it a scam? Numerous online reviews point to it being as such

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK
State: TX

Complaint narrative:
We applied for Loan modification on XX/XX/year>. We got approved for it and had to have everything completed by XX/XX/year>. They had paperwork that was available to print off on their website, we downloaded those paperwork went to have it signed and notarized then sent off. We also had same paperwork sent XXXX so we did same with that. We then received a phone call saying paperwork on website was incorrect but I informed them that we also sent the correct paperwork that was delivered XXXX  to them as well. They were supposed to process that correct paperwork which was told in several phone conversation by representatives but apparently it wasn't because we got letter saying otherwise.

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 2025-07-13 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: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
My mortgage company has increased my rate by {$970.00} a month with no explanation. I can see from my escrow statement that my home insurance rate through XXXX was listed as {$7700.00} for XXXX and XXXX. When I contacted my insurance company, they said they would get back to me but now refuse to answer my calls or emails. My mortgage company, Planet Home Lending, has also failed to explain the increase and I am now unable to pay my mortgage and am in danger of losing my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because inaccurate and potentially unverified information is being reported on my credit report by several companies. Specifically, XXXX XXXX is reporting a charged-off account with a balance of {$1400.00} despite multiple inaccuracies in the payment history and no verification of the debt when requested. Additionally, XXXX XXXX XXXX and XXXX XXXX XXXX are reporting collection accounts without proper debt validation, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I have contacted the credit reporting agencies and these furnishers, but they have failed to provide adequate verification or remove the accounts. These items are negatively affecting my credit standing, and I believe they are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and FDCPA.

Company response to consumer: Closed with non-monetary relief