vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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: AL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) concerning the presence of inaccurate personal information on my credit report, including names and phone numbers that do not belong to me. This complaint is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 609 and 611. 

The following names are incorrect and should be deleted from my credit file : XXXX Y 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These names do not belong to me, have never been used by me, and do not reflect my personal identifying information. My correct legal name is XXXX XXXX XXXX, and my current phone number is ( XXXX ) XXXX. 

Despite prior disputes submitted directly to the credit bureau ( s ), these inaccuracies remain unresolved. I am requesting that the CFPB assist in ensuring the deletion of this incorrect information and confirm the credit bureau ( s ) are fol

lowing the FCRA-mandated accuracy standards. I request the following actions : Immediate deletion of the incorrect names and phone numbers from my credit file. 

An updated, corrected copy of my credit report. 

An investigation into the continued reporting of false personal data despite previous disputes. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX. XXXX XXXX Enclosures : XXXX of Drivers License

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 2025-06-01 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: SC

Complaint narrative:
XXXX Mt XXXX XXXX XXXX SC XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. These addresses need to be removed from my file.. I already sent a copy of my license with the correct address...

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 2025-06-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
My personal information is attached to this complaint, along with a medical letter from my personal physician. As any financial institution can see, I am living in chronic pain every day of my life. I am no longer healthy enough to work, and I only receive a small XXXX XXXX XXXXXXXX check monthly. I have a great deal of equity in my home, and my life is one huge problem daily. Accordingly, I am requesting my current mortgage be deferred until the end of fiscal year 2026, at which time I can sell the home to pay off your mortgage completely. If your legal department needs additional documents signed, please respond through the CFPB portal only, thank you. I am an extremely sick woman and as the medical letter shows, I live day to day in extreme pain. Please work with me so that I can live my remaining life in peace. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
On XX/XX/year> I applied for the XXXX plan which should have entered me into a qualifying processing forbearance for up to 60 days and then put into a fully qualifying plan for PSLF purposes. 

I did receive confirmation that the form was received. I was told that they are not processing any enrollment forms at that time, and there is no timeframe for when they will resume doing so. 

On XXXX I opened a complaint with the CFPB which was subsequently closed with a rambling about bankruptcy status. Requesting a new IDR has nothing to do with that because I also uploaded a 5 page Agreed Order from the court stating my payments would still qualify for PSLF.

I need the IDR PAYE form processed ASAP and the previous months applied towards PSLF.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I spoke to XXXX XXXX XXXX XXXX on XX/XX/year> about a collection that showed inaccuracies across the credit bureaus. This collection was disputed numerous times & proven to show inaccuracies, according to the Fair Credit reporting act, if it shows inaccuracies the bureaus are supposed to remove it permanently from your credit report. This has NOT been done, this has effected my livelihood dramatically & dropped my credit score significantly!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I spoke to XXXX XXXX XXXX XXXX on XX/XX/year> about a collection that showed inaccuracies across the credit bureaus. This collection was disputed numerous times & proven to show inaccuracies, according to the Fair Credit reporting act, if it shows inaccuracies the bureaus are supposed to remove it permanently from your credit report. This has NOT been done, this has effected my livelihood dramatically & dropped my credit score significantly!

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 2025-06-01 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information contained in my Equifax credit report, issued on XX/XX/XXXX ( Report Confirmation XXXX XXXXXXXX ). Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request an immediate investigation and correction or removal of the following inaccurate and/or unverifiable items : ________________________________________ 1. XXXX XXXX  Account ending in XXXX Status : Charged-Off Reported Balance : {$0.00} Charge-Off Amount : {$10000.00} Date of Last Payment : XX/XX/XXXX Comments : Account Transferred or Sold Dispute Reason : This account reflects a {$0.00} balance yet continues to be reported as a charged-off debt. This is misleading and may misrepresent the current status of the account. If the account was transferred or sold, Equifax must confirm the current owner and remove or update the tradeline to reflect its current and accurate status.

________________________________________ 2XXXX XXXX XXXX Account ending in XXXX Status : Collection Balance : {$10000.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Dispute Reason : This appears to be the same debt originally associated with XXXXXXXX XXXX  Reporting the same debt under two different furnishers may constitute duplicate reporting and/or re-aging, both of which violate 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ). If XXXX XXXX can not validate the full chain of ownership and proper documentation of the debt, the tradeline must be deleted. 
________________________________________ In accordance with 15 U.S. Code 1681i, you are required to : Conduct a reasonable investigation within 30 days ; Forward all relevant information I provide to the furnisher ( s ) ; Delete or correct any unverifiable, inaccurate, or incomplete information ; Provide a written summary of the investigation results and a new copy of my credit report, free of charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: GA

Complaint narrative:
I would like the record to state that no one else is responsible for this dispute but me, XXXX XXXX XXXX. No one helped me with this, nor did I pay any credit repair company to help me type this letter. Im not sure how this could have happened to me. I recently pulled my credit report. I found accounts that dont belong to me. I believe they were placed in error on my report, or someone has stolen my identity. I repeated these accounts do not belong to me, I never opened any of these accounts, nor did I give anyone consent to do. No one has contacted me in reference to these accounts from the original creditor nor the collection companies. 


XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX. I never signed any documents with these companies, nor with the original creditors listed. These companies have violated my rights ; I have rights under section 15 USC 1681. 15 U.S.C. 1681 Section 602 a state I have a right privacy ; Consumer reporting agency can not furnish an account without written instructions and consent. 
I demand these accounts be permanently removed. I have a right to privacy, and I did not give these creditors consent to furnish these accounts. 
Please remove these hard inquiries, I never gave anyone authorization to run my credit. I did not consent to these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX  XXXX XX/XX/year>

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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Charge Off XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> - {$690.00} Im beyond frustrated with the continued presence of false, damaging information on my TransUnion credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make.

As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part. If TransUnion can not produce direct and unquestionable evidence to support the continued reporting of these entries, then it is obligated by federal law to delete them immediately. This isnt a requestits a demand for compliance. If you continue to ignore my concerns, I will treat this as a willful violation of my rights and take further action to hold you accountable. My creditworthiness is not something I take lightly, and you should not either.

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 2025-06-02 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: CA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-06-01 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:
I recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report, Please remove these account from my report, they are hurting my ability to obtain credit

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 2025-06-01 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX  # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

1681i ( a ) ( 1 ) ( A ) You have the right to dispute inaccurate information, and credit reporting agencies ( CRAs ) must investigate within 30 days.

1681i ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted.

1681e ( b ) CRAs must ensure maximum possible accuracy in the information they report.

" Under 15 U.S. Code 1681i and 1681e ( b ) of the FCRA, I have the right to dispute any information that I believe is inaccurate or unverifiable. If the account in question can not be verified, it must be removed from my credit file. ''

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 2025-06-01 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: GA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXX  # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

I looked at my credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

1681i ( a ) ( 1 ) ( A ) You have the right to dispute inaccurate information, and credit reporting agencies ( CRAs ) must investigate within 30 days.

1681i ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted.

1681e ( b ) CRAs must ensure maximum possible accuracy in the information they report.

" Under 15 U.S. Code 1681i and 1681e ( b ) of the FCRA, I have the right to dispute any information that I believe is inaccurate or unverifiable. If the account in question can not be verified, it must be removed from my credit file. ''

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 2025-06-01 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and on the date of XX/XX/2025, I noticed my new phone without a passcode was stolen with my ID and debit cards in my wallet on my phone case. I am a victim of Identity Theft. On XX/XX/XXXX, I noticed an unauthorized transaction of {$2400.00} on XX/XX/2025 at a XXXX on my brand new Chase Debit Card that I didnt even use to make any transactions yet. I called the Chase Fraud Department to notify them of my situation and the representitive I spoke to disclosed to me that my dispute has been submitted, that my account will be credited in up to 10 business days amd they sent me a new card 5 days later. After I received my new card, I follow up with the Chase fraud department with a call on XX/XX/2025 at XXXX XXXX only to be notified by the supervisor that I spoke to that my dispute has been denied and my account wont be credited because in their investigation they deteremined the charge was authorized and I explained my situation again only to be told they cant help me any further and hung up on. Chase Bank is in several violations of the law with how they handled my case so far. Failure to credit my account of the lost funds {$2400.00} will result in legal action in pursuit of compensation for litigation and all other violations. I have filed a report with the FTC with all supporting documentation for my claim included in the attachments below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I requested a debt validation letter from the debt collector on XX/XX/year>, but never received it before proceeding with the court case. As of now, it has been over the 30-day timeframe that the debt collector had to produce it, and it has not been done. I would like to have this debt removed from my credit report and request that no further action be taken.

Company response to consumer: Closed with explanation