vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — VA 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: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
We had a XXXX XXXX hit our area which affected a lot of people in XXXX of XXXX. During this time I reached out to Mr Cooper and ask hey things a rough right now because this and ask if they could help. They said yes we can do a 3 month forbearance and those months goes on to the back end of your loan. I was like ok nothing changes? The woman said no. So I signed up, after the forbearance was over I was told thats not how it works and that I had to answer some tricky questions which will decide what or if I even qualify for anything to stop from losing my home. After being told multiple times from XXXX to XXXX that my account was being worked on to see what I qualified for, I was then told mistakes where made and I was given incorrect information multiple times. So from XXXX to XXXX I was lied too and given incorrect information and because of that it only put me further behind and I only qualified for one loan mod which raised my payment XXXX dollars. I feel as if the company didnt lie to me I would have never done the forbearance I would have done or tried something else and if they didnt lie to me a second time I would have qualified for more then one mod. Even the Va loan reps said I was lied to and should have qualified for the waterfall program before it was taken away. This has done nothing but almost force me to sell my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Florida XXXX Email : XXXX Date : XX/XX/XXXX Subject : Ongoing Non-Compliance with the Fair Credit Reporting Act Failure to Correct or Verify Disputed Information I am filing this complaint against Experian, Equifax, and TransUnion for their continued violations of the Fair Credit Reporting Act ( FCRA ). 

In XX/XX/XXXX, I submitted a formal dispute regarding inaccurate and unverifiable accounts appearing on my credit report. I also sent a follow-up on or before XX/XX/XXXX. Despite these multiple attempts, the credit bureaus have failed to correct, delete, or properly verify the disputed information. 

As of today, the following items remain unresolved and unsubstantiated : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Date Opened : XX/XX/XXXX I specifically requested, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), that the credit bureaus provide the method of verification, including : The specific procedures used in their reinvestigation The full name, title, and contact information of the person ( s ) or entity contacted All documentation relied upon during the investigation To date, none of this information has been provided. Instead, the credit bureaus continue to report inaccurate and unverifiable information, which constitutes willful non-compliance with : 15 U.S.C. 1681i ( a ) : Duty to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) : Duty to ensure maximum possible accuracy This ongoing negligence is damaging my creditworthiness and causing continued financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I called the collection company, CCS Financial Services , Inc., and spoke to an agent. I requested a Letter of deletion for 2 paid accounts that are reporting to the bureaus and therefore negatively effecting my credit score. 
The two accounts reporting are shown paid but not removed on credit bureaus.

CREDIT COLLECTIONS SVC-CCS/XXXX  collection XXXX ( XXXX, opened XX/XX/XXXX ). 
CREDIT COLLECTIONS SVC-CCS/XXXX  collection record ( XXXX opened XX/XX/XXXX ). 
I paid those with the intent/understanding they were going to be deleted and now theyre refusing. Beside that, the agent was not pleasant or helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: 90 Day Credit Experts
State: MD

Complaint narrative:
Saturday XX/XX/year> 90 Day Credit Experts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX Cancel these repairs too many inaccuracies on my contract as well, name wrong, telephone number wrong and the signature doesn't match. I'm not obligated to pay for a service not completed for XXXX XXXX XXXX XXXX and it's illegal to charge for credit repair before all services are completed. I swear I'll obtain a lawyer. I have records of all communications. be smart about this cause that contract doesn't give you a right to bully me for my money if I do not want something. my bank card information XXXX XXXX, so good luck charging that card. greedy stubborn company. after this experience with you guys I hope no one use this XXXX. you people weird to forcefully make people stay like you guys are hard up for money. I have a 90 day guarantee my score would rise XXXX points and it have not risen not even close to % XXXX of that timeline. You guys plan to drag this process longer than 3 months to keep charging my bank account on purpose. A scamming strategy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I am disputing inaccurate reporting across all three credit bureaus regarding my active accounts with Carrington Mortgage and XXXX XXXX XXXX. 

These accounts are open and active. I am making monthly payments as agreed. 

These accounts were NOT included in my XXXX  XXXX bankruptcy filed and NOT discharged in XX/XX/year>. 

Despite this, XXXX, XXXX, and XXXX  are reporting these accounts as Discharged through XXXX  XXXX Bankruptcy. 

This reporting is factually false and highly damaging. It misrepresents my payment obligations, destroys my credit history, and misleads potential lenders into believing I defaulted on my mortgage and auto loan when I did not. 

Steps I have taken : Filed disputes with XXXX  ( XX/XX/year>, Dispute ID XXXX ) and XXXX  ( XX/XX/year>, Dispute ID XXXX TransUnion closed the dispute without results and XXXX  XXXX the information to reflect the same as before. 

XXXX XXXX, XXXX  and XXXX  continue to show the accounts as discharged in bankruptcy. 

All three remain inaccurate. 

Desired resolution : Require all three credit bureaus to correct these tradelines immediately. Accounts should be reported as : Open and active. 

Not included in bankruptcy. 

Accurate balance, payment history, and status. 

Provide written confirmation that corrections are complete. 

Ensure compliance with the FCRA so these inaccurate reports do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MOHELA
State: LA

Complaint narrative:
I have company background checking monthly without consent and incorrect credit scores.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-27 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 am filing this complaint against Experian, Equifax, and TransUnion for their continuing violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute submissions beginning in XX/XX/XXXX and a follow-up sent on or before XX/XX/XXXX, the credit bureaus have failed to correct or remove inaccurate and unverifiable information from my credit file. 

The following disputed items remain unresolved and unsubstantiated : XXXX, Account # XXXX, Date Opened : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681i ( a ) ( 7 ), I have the right to receive the method of verification used in reinvestigation, including : The specific procedures followed.

The full name, title, and contact information of the person or entity contacted.

All documentation relied upon to verify the disputed items.

To date, none of this information has been provided. The continued reporting of these items without proper reinvestigation or verification demonstrates willful noncompliance with : 15 U.S.C. 1681i ( a ) Duty to reinvestigate.

15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy.

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 2025-08-27 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:
I am filing this complaint against Experian, Equifax, and TransUnion for their continuing violations of the Fair Credit Reporting Act ( FCRA ). Despite multiple dispute submissions beginning in XX/XX/XXXX and a follow-up sent on or before XX/XX/XXXX, the credit bureaus have failed to correct or remove inaccurate and unverifiable information from my credit file. 

The following disputed items remain unresolved and unsubstantiated : XXXX, Account # XXXX, Date Opened : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681i ( a ) ( 7 ), I have the right to receive the method of verification used in reinvestigation, including : The specific procedures followed.

The full name, title, and contact information of the person or entity contacted.

All documentation relied upon to verify the disputed items.

To date, none of this information has been provided. The continued reporting of these items without proper reinvestigation or verification demonstrates willful noncompliance with : 15 U.S.C. 1681i ( a ) Duty to reinvestigate.

15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy.

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 2025-08-27 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$220.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Hello, I called twice, but you did not provide a release or sign off on the lien. Please note that under Texas law, judgment liens generally expire after 10 years following the date the abstract is recorded and indexedunless they are revived or extended through legal action. 


Because this lien has been in place for over a decade, it's no longer legally enforceable. Please proceed with releasing the lien as required under state law. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: BTH Management
State: LA

Complaint narrative:
I have company background checking monthly without consent and incorrect credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
TransUnion is inaccurately reporting a charge-off for XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX  with a reported date of XX/XX/year>. The account is showing as a charge-off despite being at a {$0.00} balance. This reporting is misleading, inaccurate, and in direct violation of the Fair Credit Reporting Act.

The law under 15 U.S.C. 1681e ( b ) is clear : consumer reporting agencies must ensure maximum possible accuracy in the information they report. It is impossible to claim that accuracy has been achieved when TransUnion continues to display a charge-off status on an account that has no balance owed. A {$0.00} balance reflects that the debt was resolved, yet TransUnion is still publishing derogatory information that paints the consumer as delinquent. This is materially misleading to lenders and potential creditors who will interpret the account as an unresolved default when it is not.

Under 15 U.S.C. 1681i, once I disputed this reporting, TransUnion was required to conduct a lawful, reasonable reinvestigation and provide verifiable evidence supporting the derogatory status. To date, no such documentation has been produced. Instead, the bureau continues to recycle false and damaging data without proof, thereby acting in violation of the statutory duties imposed on it. By reporting the account as charged off with a {$0.00} balance, TransUnion is simultaneously contradicting itself and creating an inaccurate picture of my credit history.

This has caused significant and ongoing harm to me. My creditworthiness is being suppressed by inaccurate data, preventing me from obtaining fair access to credit and forcing me into higher costs of borrowing. Beyond the financial damage, the emotional toll of repeatedly disputing and defending myself against information that federal law requires TransUnion to report accurately is overwhelming. I am carrying the burden of fixing an error I did not cause, while TransUnion continues to profit from selling reports riddled with inaccuracies. The stress, frustration, and reputational harm from being branded with a false charge-off are immense.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XX/XX/year> 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 2025-08-27 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: MI

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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