vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I am disputing a {$56000.00} collection being reported by XXXX related to federal student loans that were originated in Louisiana from XXXX. These loans were serviced by various entities ( XXXX XXXX, XXXX, XXXX ), and XXXX is now attempting to collect and report under a single claim. However, XXXX has failed to provide the original promissory note, accurate chain of title, or proof of ownership. 

I have disputed the account multiple times. XXXX falsely labeled my dispute as frivolous without providing verification, which is a violation of the FCRA. XXXX and the credit bureaus have continued reporting the debt with discrepancies, including incorrect balances, double reporting, and identity confusion. 

The student loans were paid in part or resolved years ago, and XXXX has no right to collect under these conditions. I am requesting full deletion of the tradeline and investigation into unlawful collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am disputing a {$56000.00} collection being reported by XXXX related to federal student loans that were originated in Louisiana from XXXX. These loans were serviced by various entities ( XXXX XXXX, XXXX, XXXX ), and XXXX is now attempting to collect and report under a single claim. However, XXXX has failed to provide the original promissory note, accurate chain of title, or proof of ownership. 

I have disputed the account multiple times. XXXX falsely labeled my dispute as frivolous without providing verification, which is a violation of the FCRA. XXXX and the credit bureaus have continued reporting the debt with discrepancies, including incorrect balances, double reporting, and identity confusion. 

The student loans were paid in part or resolved years ago, and XXXX has no right to collect under these conditions. I am requesting full deletion of the tradeline and investigation into unlawful collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap!

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MA

Complaint narrative:
This is a follow-up complaint regarding inaccurate information that continues to appear on my credit report, which I believe is in violation of the Fair Credit Reporting Act ( FCRA ). I previously submitted a dispute concerning several accounts that are either incorrectly reported or reflect inaccurate data. As the issues remain unresolved, I am requesting a reinvestigation and correction or removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-07 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NV

Complaint narrative:
Several fraudulent accounts and inquiries were added to my credit file without my knowledge or consent. I submitted identity theft dispute letters under 15 USC 1681c-2 to all three credit bureaus with supporting documents, including an FTC Identity Theft Report, proof of ID, and address. 

Despite this, the accounts were not removed within the required timeframe. There are also numerous inaccuracies including inconsistent balances, dates, and statuses across all three bureaus. These errors remain uncorrected, and no valid explanation has been provided. This violates the Fair Credit Reporting Act and has caused ongoing harm. 

PLEASE SEE ATTACHMENTS BELOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: AR

Complaint narrative:
My credit file appears to be mixed with another individuals information, leading to inaccurate accounts appearing on my report. I have never had accounts with several of the companies listed, and the identifying information on those entries does not match mine. Under FCRA 607 ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy. The presence of mixed-file data shows a failure to comply with this standard. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting a follow up complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-07 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: MI

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: IN

Complaint narrative:
I recently filed a complaint in reference to my mortgage through Planet Home Lending and this complaint was closed. This has not been resolved. 
# 1. They still have not adjusted my insurance amount after receiving the information repeatedly. The escrow analysis should have been completed by now.

# 2. They are using an estimated appraisal from XXXX before my house was even built. My home was not constructed until XX/XX/XXXX. I have the appraisal they are claiming is the original value of the home. How can this be the original value of a home that had not been built yet? This is in reference to complaint XXXX. This complaint was not resolved and should not be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-07 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:
A collection account from XXXXXXXX XXXX XXXX XXXX was reported on my credit report around XX/XX/year>, for the amount of {$9300.00}. I do not recognize this debt and was never notified about it prior to it appearing on my credit report. 

I have not received any communication, validation notice, or supporting documentation from XXXXXXXX XXXX XXXX XXXX  or any collection agency regarding this account. Under the Fair Debt Collection Practices Act, I have the right to receive written notice and an opportunity to dispute the debt within 30 days, which was not provided. 

On XX/XX/year>, I reviewed my credit report and discovered this account for the first time. I contacted the credit reporting agency to dispute it and am now requesting that XXXXXXXX XXXX XXXX XXXXXXXX provide proper validation of the debt, including the original creditor, the full amount owed with itemization, and proof that I am legally responsible. 

If the company can not provide this information, I am requesting that the account be removed from my credit file. I believe this may be an error or a case of mistaken identity. Please investigate and ensure that only accurate, verified information is reported.

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 2025-08-07 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been XXXX  to my XXXX  and credit XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: IN

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within XXXX business days.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
I am disputing a {$56000.00} collection being reported by ECMC related to federal student loans that were originated in Louisiana from XXXX. These loans were serviced by various entities ( XXXX XXXX, XXXX, XXXX ), and ECMC is now attempting to collect and report under a single claim. However, ECMC has failed to provide the original promissory note, accurate chain of title, or proof of ownership. 

I have disputed the account multiple times. XXXX falsely labeled my dispute as frivolous without providing verification, which is a violation of the FCRA. ECMC and the credit bureaus have continued reporting the debt with discrepancies, including incorrect balances, double reporting, and identity confusion. 

The student loans were paid in part or resolved years ago, and ECMC has no right to collect under these conditions. I am requesting full deletion of the tradeline and investigation into unlawful collection practices.

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 2025-08-07 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing XXXX  with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifax s refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: CA

Complaint narrative:
XXXXI received my new XXXX XXXX  card and when Iactivated it said invalid card so I was never able to talk to. Anybobe at XXXX XXXX XXXX and I need my money for my rent I've already been kicked out and now I don't have any clothes ir a place to stay. Please I need my benefits.."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
Final Notice Before Legal Action First Premier Bank To Whom It May Concern, This is my final attempt to resolve an ongoing dispute regarding the XXXX XXXXXXXX XXXX account appearing on my credit report. 

Despite multiple disputes and requests for reinvestigation, XXXX XXXX has failed to properly verify the accuracy of this account. I have carefully reviewed the documentation provided in response to my dispute, and it is clear that the numbers do not add up, and the reporting remains inaccurate and incomplete. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which clearly states that if a consumer notifies a credit reporting agency of inaccurate information, the furnisher ( in this case, First Premier ) is legally obligated to conduct a reasonable reinvestigation. The repeated, vague, and inconsistent responses Ive received do not meet this standard. 

Furthermore, I find it concerning that no meaningful evidence of validation has been provided, nor have the inaccuracies been corrected or removed. This account is not only damaging to my credit profile but also misrepresents the facts surrounding the alleged debt. It is unjust and harmful to my financial integrity. 

I have made every reasonable effort to resolve this matter amicably. However, continued negligence and failure to comply with federal reporting laws have left me with no choice but to consider filing a small claims lawsuit against both XXXX XXXX and the credit bureau for : Willful noncompliance with the FCRA Emotional distress XXXX harm resulting from inaccurate reporting

Company response to consumer: Closed with explanation