vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
I am formally requesting that your agency comply with the Fair Credit Reporting Act ( FCRA ) concerning the persistent mishandling of my credit report. Despite multiple disputes filed, you have failed to remove fraudulent accounts not belonging to me and continue to report unverifiable information. 

This behavior violates federal law and infringes on my consumer rights. The accounts listed below were fraudulently opened due to identity theft. Although I have submitted several dispute letters seeking their removal, your responses have been vague and insufficient, failing to meet the legal standards mandated by the FCRA. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to conduct a thorough investigation upon receipt of a consumer dispute. Your ongoing use of generic form responses, without providing original documentation validating the debts, constitutes noncompliance.

Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to ensure the highest possible accuracy in reporting. Your failure to correct these inaccuracies reflects a reckless disregard for your legal obligations.

You have 30 days from the date of this letter to provide the following : Original and complete verification documents from the creditors validating the accountsnot generic or template responses ; A detailed report of the investigation conducted, outlining every step taken ; The names, job titles, and contact information of the individuals responsible for reviewing and responding to my dispute ; Written confirmation that all unverifiable information has been permanently removed from my credit report as required by 15 U.S.C. 1681i ( a ) ( 5 ).

Should you fail to provide a satisfactory response within this timeframe, I will initiate legal action. This will include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also pursue litigation under 15 U.S.C. 1681n for willful noncompliance, seeking statutory damages, punitive damages, attorney fees, and costs.

These accounts are fraudulent, with confirmation from the respective financial institutions that they should not be linked to my credit file. Please promptly remove these accounts or provide valid verification if you choose to continue reporting them : 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 explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Im submitting a formal complaint against PayPal Credit due to what I believe was a mishandlingpossibly negligentof a payment I made to avoid accrued interest on special financing balances. 

On XX/XX/year>, I submitted a payment of roughly {$1200.00}. The purpose of that payment was clear : to pay off specific promotional balances that were about to expire. In fact, I went out of my way to make sure there was no confusion. I spoke with multiple representativesfour separate chat sessions, XXXX phone calls, and even a conversation with a managereach time reiterating that this payment needed to be directed toward the expiring special financing promotions. 

They reassured me. I was told it would be taken care of. 

But thats not what happened. 

Instead of applying the payment to the time-sensitive promotional balances, PayPal Credit redirected it to earlier accounts that werent set to expire. As a result, the balances I had aimed to pay off werent cleared in time. And just like that, I was hit with interest charges that should never have been applied. 

It feels like either a serious oversight or a deliberate action. Either way, I did everything I could to prevent this outcome, and I still got penalized for it. That doesnt sit right with me, and I imagine Im not the only one this has happened to.

Im asking the CFPB to look into this situation, require PayPal Credit to correct the misapplied payment, reverse the interest charges that resulted from their error, and take steps to ensure this kind of mishandling doesnt continue for others in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Equifax is currently reporting my current address as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This information is incorrect. My actual and only current address should be XXXX XXXX XXXX, XXXX, XXXX XXXX. Having an inaccurate current address on my credit report creates confusion and can negatively impact the accuracy and reliability of my credit profile. It may also lead to errors in credit decisions and other important verifications that rely on up-to-date personal information.

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), Equifax has a legal obligation to maintain accurate and complete personal identifying information. Reporting an incorrect address violates this requirement and undermines the integrity of my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Guglielmo and Associates
State: NM

Complaint narrative:
Guglielmo and Associates sent me a settlement plan agreement XX/XX/XXXX. I paid the XXXX XXXX XXXX Settlement Plan amount via my bank on XX/XX/XXXX of {$10000.00}. They are still reporting my debt as unpaid to the credit bureaus and when I contacted them today they demanded an additional {$100.00} to report the account correctly. They have never sent anything acknowledging receipt of my payment, and have said because I never " accepted '' a settlement plan and therefor they didn't apply it. This is a deceptive practice as cashing my check is acceptance of the settlement offer, and I was unable to send a paper with the electronic check that my bank sent. They also say that the check was cashed on XX/XX/XXXX and therefore was late although they can't tell me the post mark on the check or wether it arrived electronically earlier and they just decided to hold onto it until the settlement offer that expired on XX/XX/XXXX had passed. Gugilelmo and Associates refuses to put any of this in writing and also refuses to send my payment back as requested since it is not being used to fulfill the settlement agreement that was agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter Finance repossessed my vehicle in early XXXX  and is still reporting the full original balance of {$19000.00} on my credit report. I never received a 1099-C form or any breakdown showing how the balance was calculated after the vehicle was sold. No documentation has been provided to show auction details or a final accounting of the alleged debt. 

I disputed this through the credit bureaus, and the account came back as verified without explanation or proof. This violates the Fair Credit Reporting Act ( 15 USC 1681i ) and 15 USC 1681s-2, which require furnishers to verify and accurately report data. I am requesting deletion or full correction of this account due to unverifiable and incomplete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
I went to the XXXX XXXX XXXX XXXX XXXX XXXX from XXXX to XXXX, when they were caught lying about job placement rates and career prospects. My federal student loans got forgiven in XXXX because of this fraud, but my private loans with XXXX ( which is now MOHELA ), about {$16000.00} are still active, and Im paying about {$300.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-04 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-04 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX. ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX. ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have information on my report that is inacurate the amount of credit that is showing is inacurate. this information was reported on my report i have uploaded the court document

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 2025-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
My mortgage was previously serviced by XXXXXXXX XXXX and it was recently transferred to Mr. Cooper without my consent or the ability to opt out. Since the transfer, I have made multiple attempts to contact Mr. Cooper to resolve an escrow shortage and pay my mortgage, but I am repeatedly blocked by their automated phone system. There is no way to reach a live representative, and their phone system does not recognize my loan information or allow me to adjust my escrow account. Their online portal is also inaccessible or non-functional. I want to pay an escrow shortage before my new monthly payment goes into effect, but I can not get through to do so. This is unacceptable and is interfering with my ability to manage my loan responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
there are several fraud inquires in my credit report XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXi ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXX ) for deceptive and misleading reporting.

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 2025-06-04 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:
I recently obtained a copy of my credit report and noticed several inaccuracies, including unauthorized accounts and information being reported. These erroneous entries have had a significant negative impact on both my life and my overall credit health.

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 2025-06-04 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ]. 
Demand for Action : Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX Original Creditor : XXXX XXXX XXXXccount Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. I specifically dispute the [ mention specific aspect you dispute, e.g., amount owed, accuracy of the dates, or lack of proper notice ]. 
Demand for Action : Company or Organization : XXXX  XXXX Account Number : XXXX Company or Organization : XXXX XXXX Original Creditor : XXXX XXXX Account Number : 2024

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 2025-06-04 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:
This morning, I found incorrect accounts listed on my credit report and Im not sure how they got there. I routinely review my credit report, but this time I noticed unexpected errors. I even refreshed my browser thinking it might be a temporary glitch, but the accounts were still there. Given this issue, I request that the documents Ive provided be carefully reviewed so I can avoid further concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: SC

Complaint narrative:
FCRA 605B ( 15 U.S.C 1681c-2 ) I am a victim of identity theft and all information on this CFPB and FTC report needs to be removed immediately due to it being a direct result of identity theft. The accounts listed on both reports are not mine. There are duplicate accounts from these reports and its identity theft. Remove these accounts and inquiries associated with this account from my Experian, Equifax, and Transunion account. The following derogatory tradelines are identity theft. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report by your agency. The item ( XXXX ) listed below are incorrect and must be promptly investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Despite previously contacting your agency and/or the data furnisher with documentation to support my claim, this inaccurate information continues to appear on my report. This has caused undue harm to my creditworthiness and may constitute a violation of federal consumer protection laws. 
I also wish to reference the recent CFPB lawsuit filed against Experian and Equifax, which highlights systemic failures in properly investigating and correcting disputed credit report information. These legal actions underscore the serious legal implications of non-compliance with the FCRA and your obligations as a credit reporting agency. 
According to the lawsuit, the CFPB alleges that both Experian and Equifax continued to include unverifiable or inaccurate information in consumer credit files even after disputes were fileda situation closely aligned with my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
This morning, while checking my credit report as I normally do, I noticed some accounts that shouldnt be there. I dont understand how these errors appeared. I even tried refreshing the page, hoping it was a glitch, but nothing changed. Because of this, Im asking for a detailed review of the documentation Ive sent to resolve the issue once and for all.

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 2025-06-04 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:
This morning, I came across some incorrect accounts listed on my credit report and Im unsure of how they ended up there. I check my credit report regularly, but this time I saw unexpected errors. I attempted to refresh my browser, thinking it might be a temporary technical issue, but that didnt resolve it. As a result, I am requesting a thorough review of the documents Ive submitted to ensure this problem is properly addressed.

Company response to consumer: Closed with explanation