vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Fl XXXX XX/XX/year> NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX GA XXXX Re : Dispute and Demand for Validation and Immediate Correction/Deletion Account/Reference No. : XXXX Credit Bureau ( s ) : [ XXXX ] To Whom It May Concern : I am formally disputing the accuracy and legitimacy of the account you are reporting on my credit file. XXXX XXXX XXXX is being reported as the original creditor, which is false. I have never opened an account with XXXX XXXX XXXX, and you are not the original creditor for this debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand the following : XXXX ) Validation : Provide complete documentation substantiating the debt and your right to collect, including : The name and address of the original creditor A copy of the original signed agreement or contract A full accounting showing the amount claimed, itemized principal, interest, fees, and payments Chain of title ( all assignments/bills of sale ) proving your authority to collect and report XXXX ) Correction/Deletion : Because NATIONAL CREDIT SYSTEM is not the original creditor, immediately correct the tradeline to reflect accurate creditor information or delete the tradeline entirely. Any continued reporting that misidentifies XXXX as the original creditor is inaccurate and must be removed. 

Until you provide full validation, you must cease collection efforts and suspend reporting to the credit bureaus. If you can not validate and correct this account within 30 days of receiving this letter, you must delete the tradeline from all credit reporting agencies. 

This is a time-sensitive dispute. Please respond in writing confirming : Receipt of this dispute The actions taken to delete or correct the tradeline Copies of all documents relied upon to validate the debt and your collection authority If you continue to report inaccurate information or fail to validate, I will file complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, and I will consider all available remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-11-26 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: LA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-26 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:
I am writing to dispute the following items on my Equifax credit report. The accounts listed below have been reported incorrectly or contain inaccurate information : CHARGED OFF XXXX  XXXX XXXX XX/XX/year> Balance : {$3700.00} XXXX XXXX XX/XX/year> Balance : {$1300.00} XXXX XXXX XX/XX/year> Balance : {$3200.00} INQUIRIES No items to dispute under this section for Equifax. 

LATE PAYMENTS XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
The account listed is inaccurate and should not be reported under my name

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 2025-11-26 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: DC

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
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 explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Meridian Financial Services, Inc.
State: NY

Complaint narrative:
This is a supplemental submission providing documentary evidence showing that Meridian and the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX are furnishing inaccurate and unverifiable information to the credit bureaus. 

XXXX XXXX Statement ( attached ), which XXXX claimed was apart of a complete validation packet, that was never received by mail but only through the CFPB portal demonstrates : No activity after XX/XX/XXXX No charges, no fees, no contact attempts, no internal notes No transfer-to-collections indicator No evidence of any collection action until the reported XXXX placement This document clearly contradicts the original creditors XX/XX/XXXX email ( attached ), which claimed that : The account was already transferred to a collections agency, and My membership was canceled effective immediately. 

If the account had truly been transferred in XXXX, the ledger would reflect it. 
It does not. 

Meridian further stated that : They were not assigned the account until XX/XX/XXXX, The creditors placement documentation shows no activity in XXXX or XXXX, They relied solely on the creditors records despite these inconsistencies. 

These contradictions show that neither the creditor nor Meridian can provide consistent or accurate information, and therefore the collection tradeline can not be verified under FCRA XXXX and XXXX ( b ). 

I request CFPB intervention to require deletion of the account and review the furnishers compliance processes. 

Also, a follow-up debt dispute was sent with evidence to 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 2025-11-26 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-26 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: LD Holdings Group, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding LoanDepots handling of my mortgage assistance application and their failure to properly process my loss-mitigation request under federal servicing guidelines. LoanDepot submitted my application to XXXX different relief programs, but I was denied for reasons that appear to be inaccurate, inconsistent, or contrary to investor guidelines. I am requesting a full investigation and a re-review of my application. 
LoanDepots denial reasons were as follows : Forbearance Plan : Property status or occupancy status is ineligible and Hardship does not meet eligibility criteria. 
Repayment Plan : Mortgage does not meet delinquency requirements and Mortgage does not demonstrate affordability. 
Payment Deferral : Mortgage does not meet delinquency requirements and Loan exceeded maximum number of completed modifications allowed. 
Flex 2024 Modification : Mortgage does not meet delinquency requirements. 
Short Sale : Mortgage does not meet delinquency requirements. 
Deed in Lieu : Mortgage does not meet delinquency requirements. 
I believe LoanDepots denials are improper for several reasons : XXXX. Failure to Properly Evaluate Hardship LoanDepot stated that my hardship does not meet eligibility criteria, but I provided complete documentation of my financial hardship. No one contacted me to clarify or request additional information, which is required under CFPB servicing rules before issuing a denial. 
XXXX. Inconsistent and Contradictory Denial Reasons LoanDepot repeatedly denied me for not meeting delinquency requirements. I was led to believe that assistance is available before serious delinquency, and LoanDepot did not explain what the rule is or provide investor guidelines. I also received denial reasons claiming both that the mortgage is unaffordable and that it is too current to qualify, which are contradictory. 
XXXX. Failure to Provide Investor Guidelines I asked LoanDepot to provide the investor or owner of the loan and the specific investor guidelines applied in determining my ineligibility. They have not provided this, even though it is required for transparency. 
XXXX. Failure to Provide Single Point of Contact and Loss-Mitigation Review I have not been given a meaningful single point of contact, nor has LoanDepot explained what additional information is needed or provided a clear path for appeal, as required under XXXX XXXX XXXX. 
Because of these procedural issues, I believe LoanDepot failed to properly review my loss-mitigation application in accordance with CFPB mortgage servicing regulations. Their automated denials do not appear to reflect a good-faith evaluation of my situation, my occupancy, my hardship, or available investor options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
I did not approve this account and dispute it as fraudulent.

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 2025-11-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Subject : Response to NMAC Request for Additional Information Re : CFPB File # XXXX | NMAC Case XXXX XXXX Consumer : XXXX XXXX To Whom It May Concern, I am responding to your letter regarding my complaint filed with the Consumer Financial Protection Bureau . Your correspondence indicates you were unable to locate the account based on the information previously provided. 

Please note : I am disputing an account that is being reported under my name to XXXX or more credit reporting agencies. Since I do not recognize this account and have no knowledge of any relationship with Nissan Motor Acceptance Company, I am requesting proper verification before providing any additional sensitive information. 

In order to proceed, please provide the following : A copy of the complete account file you claim is associated with my name or information. 

The documents used to open the account, including the original application bearing my signature. 

The full account number associated with the reported debt. 

The date the account was opened, payment history, and any associated contract. 

Verification that you are reporting accurate information to the credit bureaus under my name. 

If you are unable to locate any matching account, or can not provide documentation proving that I am the correct consumer, then you are required to : Remove any information you are reporting about me, and Send written confirmation of deletion to myself and the credit reporting agencies. 

This request is made under my rights pursuant to : 15 U.S.C. XXXX ( FCRA ) Right to request all information in a consumers file 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) Duty of furnishers to report accurate information 15 U.S.C. XXXX ( b ) Requirement to conduct a reasonable investigation after a dispute For your investigation, you may use the identifying information originally submitted through the CFPB portal . If you require additional verification, please clearly state what exact information already exists in your system, so I do not risk sending personal data unnecessarily. 

I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
I am submitting this dispute to address several items listed on my credit report. I believe these items to be either inaccurate, incomplete, or not in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts I am disputing, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00} XX/XX/XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payments : XX/XX/XXXXCARD XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-26 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: CA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly XXXX U.S.C. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX U.S.C. XXXX ( b ). The reporting of unauthorized data also breaches XXXX U.S.C. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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