vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
Experian is currently reporting two charge-off accounts on my credit file that I dispute as inaccurate, incomplete, and damaging to my creditworthiness. The first is a charge-off from XXXX XXXX XXXX ( Account # : XXXX ), opened on XX/XX/XXXX, with a reported balance of {$620.00}. The second is from XXXX ( Account # : XXXX ), dated XX/XX/XXXX, and is listed with a {$0.00} balance, yet still classified as a charge-off. 

These entries are problematic for multiple reasons. With respect to the XXXX XXXX XXXX  account, I have not received any verifiable documentation to prove the accuracy of the amount, the validity of the debt, or the legitimacy of the charge-off designation. The reporting of this account lacks transparency, substantiation, and lawful verification. As a consumer, I have the right to review original creditor documentation that substantiates the charge-off and explains how the balance was calculated and why the account was closed in default. 

The XXXX account, while listed with a {$0.00} balance, continues to be reported with a derogatory status. This is particularly misleading. If there is no money owed, no default balance, and no ongoing obligation, then the reporting of a charge-off is both illogical and harmful. Reporting a paid or resolved account as charged off without context or clarification misrepresents my financial standing and unfairly penalizes my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is legally obligated to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ), and to perform a reasonable reinvestigation upon consumer dispute under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). If any item can not be verified through original, legally sufficient documentation, or is outdated or misleading, then under 15 U.S.C. 1681i ( a ) ( 5 ), it must be corrected or removed from the credit file. In these two instances, Experian has failed to uphold that standard.

Despite repeated attempts to resolve these inaccuracies, I have not been presented with documentation that justifies the continued charge-off status of either account. As a result, I must now escalate this matter through formal complaint channels, as Experians inaction and ongoing reporting of these derogatory entries is materially and unfairly harming me.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian is currently reporting multiple inaccurate and outdated pieces of personal information on my credit report. Specifically, my credit file shows incorrect aliases and former addresses that I have never legally used or do not currently reside at. These include : Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX ( listed as current, but I do not reside here ) Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX These entries are completely inaccurate and misleading. I have never legally gone by the names listed under " Also Known As, '' and I do not currently reside at the address Experian lists as my " current '' residence. My only legal name is XXXX XXXX, and my only and current address is XXXX XXXX XXXX  XXXX XXXX, XXXX, AZ XXXX. 

The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches.

Despite previous attempts to have this information corrected, Experian has failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-06-12 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: FL

Complaint narrative:
In XX/XX/XXXX, I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXX ( Original Creditor : XXXX XXXX ) collection, opened on XX/XX/XXXX XXXX Collection opened on XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
In XX/XX/XXXX, I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXX ( Original Creditor : XXXX XXXX ) collection, opened on XX/XX/XXXX XXXX Collection opened on XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXX  inquired on XX/XX/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 2025-06-12 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: WA

Complaint narrative:
Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX  XXXX, PA XXXX To whom It may concern, I am writing to formally dispute inaccuracies on my credit report that are having a significant negative impact on my financial well-being and my ability to provide for my family. As a single [ mother/father ], every financial decision I make directly affects my child ( ren ) s security and future. The information below on my report I have identified as identity theft, and this item is not related to any transactions by me at all. I was not able to move because of my credit profile being inaccurate due to these unknown accounts being opened in my name. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : This unauthorized item has had a profound negative effect on my credit profile, and I am reaching out to you to request your assistance in rectifying this situation. The unauthorized item ( s ) on my credit reports are : 1.

2. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-12 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:
This morning, I saw that some incorrect accounts had appeared on my credit report, and Im not sure how or why. I review my credit report regularly, but this time I found unexpected discrepancies. I even refreshed my browser thinking it might be a display error, but the inaccurate items remained. Due to this situation, I am requesting a detailed review of the documents I submitted so that I can feel secure moving forward.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX. I have had a mortgage with PHH since XXXX. I am writing this letter not as a request for help, but as a formal and final notice regarding dismissive mortgage servicingby PHH Mortgageconduct that has pushed me and my family to the brink of losing our home after nearly 20 years of responsible ownership. 
Let me be blunt : I am XXXX, financially devastated, and trapped in a nightmare that PHH has contributed to and done nothing to alleviate. In XXXX, I underwent a XXXX XXXX XXXX. Since then, my health has severely declined. I have been unemployed for nearly three years, unable to work due to serious medical issues that PHH knows of. And yet, in the face of clear documentation, repeated outreach, and mounting hardship, PHH haschosen to ignore and enforce the standard practices and responses that they give to all. 
Instead of helping, you have raised my interest rateknowingly worsening my financial crisis. Youve failed to offer real modification options. Youve stonewalled my attempts to communicate. Youve showncomplete disregard for regulatory obligations, borrower protections, and basic human decency.

This is not just poor serviceit isdeliberate and destructive conductthat borders onfinancial abuse of a XXXX borrower. 
I am making this absolutely clear : I will be documenting this matter fully and submitting a formal complaint to theConsumer Financial Protection Bureau ( CFPB ), HUD, theFederal Trade Commission, and myState Attorney Generals Office in addition to many more state and national agencies I am seeking legal counsel and am prepared to pursue all available legal remedies, including action for bad faith servicing, negligence, and predatory practices.

This letter serves as written evidence of your failure to act in accordance with both federal servicing standards and common ethical responsibility.

I am demanding that PHH immediately : Assign a qualified escalation officer or case manager to review this file.

Offer a formal loan modification, includingprincipal reduction and interest rate adjustment, based on my proven long-term medical hardship.

Your inaction is indefensible. And your treatment of a long-time customer in crisis is unacceptable.

You may contact me at ( XXXX ) XXXX XXXX. This is your final opportunity to resolve this matter in-house. Failing that, I will take every step available to hold PHH publicly and legally accountable. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TN

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 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 2025-06-12 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 NC XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} UNAUTHORIZEDCOLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-06-12 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: LA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 XXXX LA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 IL XXXX ACCOUNTS : INQUIRIES : XXXX  Date : XX/XX/year> XXXXXXXX XXXX Date : XX/XX/year>XXXX XXXX XXXXXXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Reporting a balance to XXXX XXXX and XXXX  of {$1900.00}. Bank of America has charged off, closed, and canceled the credit. Bank of America has written this off on their tax, but i have not received a 1099-C for my tax and 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 2025-06-12 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-06-12 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I am writing to formally dispute the accuracy and legality of the debt you have reported to the credit bureaus under my name. Pursuant to my rights 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 requesting immediate verification of this account. Despite my previous disputes with the credit reporting agencies, the account continues to appear as verified or updated without any evidence that a proper investigation has been conducted.

To date, Portfolio Recovery Associates has failed to provide : Verification of the debt, A copy of the original signed agreement bearing my signature, An itemized breakdown of the amount allegedly owed and how it was calculated, Legal documentation showing that the debt was sold or assigned to your agency and that you have the right to collect or report it.

Without proper verification, this account is being reported inaccurately and unfairly. I demand that this account be removed from my credit report until such documentation is provided. Continued reporting without proper validation is a violation of federal law.

Company response to consumer: Closed with explanation