vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and my Only address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FLORIDA XXXX this is where I live and get all of my mail. 

any other address listed on any of my credits reports should be removed. I dont have any association with any other addresses.

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 2025-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
XXXX XXXX with Cross Country Mortgage ( BRANCH MANAGER ) has issued to my agent XXXX XXXX a pre approval letter up to XXXX I have worked diligently to get the seller to pay all closing cost as well the XXXX percent down payment XXXX refuses GHOSTING hiding her loan fees interest rate etc causing me not to get into contract and loose deal SHE REFUSES TO ANSWER MY QUESTIONS ETC raising some suspicious loan fraud and mis leading information til now I have not recieved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently receive my copy of credit report and discovered a fraudulent account listed. I am requesting that this account be removed, as it is negatively impacting my credit and causing difficulties in obtaining credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit-reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX XXXX/ Account Number : XXXX XXXX XXXX  / Account Number : XXXX Additionally, 15 U.S.C. 1681b states that a credit-reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of these accounts, and there is no signed contract or consent from me that justifies their inclusion in my credit report. 

Therefore, the continued presence of these accounts constitutes not only the result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that these accounts be blocked and deleted immediately from my credit report and that they no longer be reported in any manner. 

I have contacted Experian on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report these accounts on my credit file. 

I have also requested copies of any contracts related to these accounts from the companies reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts 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 explanation
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit-reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXXXXXX XXXX XXXX  Account Number : XXXX Additionally, 15 U.S.C. 1681b states that a credit-reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report.

Therefore, the continued presence of this account constitutes not only the result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted TransUnion on multiple occasions to report this account, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. This negative account is blocking my opportunities and causing both personal and financial damage. 

Furthermore, this account has already been deleted by other credit bureaus, as they were unable to verify it under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to this account from the company reporting it, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing this account 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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This complaint supplements, but is different from, my prior CFPB complaint filed on XX/XX/XXXX ( ID : [ enter ID ] ). It addresses new legal concerns and new company responses. 

Chase Bank reports my credit card account ending in XXXX as charged off effective XX/XX/XXXX, with a reported balance of {$1200.00}. Chases XX/XX/XXXX letter states : A charge off status for an account does not forgive the debt. On XX/XX/XXXX, Chase said it would mail the last XXXX statements. However, despite multiple requests, Chase has not provided the original card agreement or any legal justification for continuing to report an unpaid chargeoff without issuing Form 1099C. 

This is contradictory and incomplete reporting under the FCRA ( 15 U.S.C. 1681s2 ( b ) ) because the company has not fully verified the legal basis for the tradeline as reported. If the debt was in fact canceled or deemed uncollectible for their books, 26 U.S.C. 6050P may require issuing a Form 1099C. If it was not canceled, Chase should explain why it continues to report chargeoff while treating the debt as still collectible. The negative reporting is harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
we received this loan in XXXX of XXXX, my husband ( XXXX XXXX XXXX  ) and I were homeless at the time and in desperate need a vehicle so that we could work. 

We were working with XXXX XXXX XXXX and they were able to give us a loan for a used XXXX XXXX, under 23.79 % interest and a XXXX year loan. 

The lender was Exeter finance, a company only licensed to lend in California as of XX/XX/XXXX, and licensed to collect debt in California until XX/XX/XXXX. 
( Will upload supporting documentation ) we have had multiple payments which I will provide history of in which 100 % of that payment went to interest. Weve had suspicious late fees that have been added when not necessary. 
Payments do not seem to be applied the way that they sit on a standard amortization schedule and load & lender is extremely predatory. We are basically caught in a debt trap and they are using the credit system to ensnare us. Both parties knew we were homeless at the time. 

another issue is that the vehicle is now having XXXX XXXX  issues, which is a XXXX to {$4000.00} repair and coupled with the XXXX  monthly car payment. Theres absolutely no way we will be able to make pay for the repairs. We required immediate assistance with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX  XXXX XX/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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am the victim of identity theft. A collection account from XXXX for {$240.00} has appeared on my credit report, and I did not authorize, open, or benefit from this debt. I have never done business with this company. Ive provided documentation, including a police report/FTC identity theft affidavit, but the account is still reporting. This is a violation of the FCRA and FDCPA. I am requesting immediate deletion of this fraudulent account and that all collection activity be stopped. Please investigate and take appropriate action.

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 2025-08-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am the victim of identity theft. A collection account from XXXX for {$240.00} has appeared on my credit report, and I did not authorize, open, or benefit from this debt. I have never done business with this company. Ive provided documentation, including a police report/FTC identity theft affidavit, but the account is still reporting. This is a violation of the FCRA and FDCPA. I am requesting immediate deletion of this fraudulent account and that all collection activity be stopped. Please investigate and take appropriate action.

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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because my credit report is displaying information that is outdated and past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ), specifically the 7-year reporting limit for negative information ( 15 U.S.C. 1681c ) .The account in question is XXXX XXXX XXXX and it is being reported by Experian , Equifax , and TransUnion ]. This account became delinquent and was charged off more than 7 years ago, yet it continues to appear on my credit report. This continued reporting is inaccurate and a violation of FCRA guidelines, which prohibit the inclusion of derogatory information that is older than 7 years, with the exception of certain bankruptcies and other specific cases not applicable here. I have already contacted the credit reporting agencies and/or the furnisher of the information and requested a correction, but the issue remains unresolved.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint because my credit report is displaying information that is outdated and past the statute of limitations for reporting under the Fair Credit Reporting Act ( FCRA ), specifically the 7-year reporting limit for negative information ( 15 U.S.C. 1681c ) .The account in question is XXXX XXXX XXXX and it is being reported by Experian , Equifax , and TransUnion ]. This account became delinquent and was charged off more than 7 years ago, yet it continues to appear on my credit report. This continued reporting is inaccurate and a violation of FCRA guidelines, which prohibit the inclusion of derogatory information that is older than 7 years, with the exception of certain bankruptcies and other specific cases not applicable here. I have already contacted the credit reporting agencies and/or the furnisher of the information and requested a correction, but the issue remains unresolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccurate information that appears on my credit report. I have contacted the credit reporting agency and/or the furnisher directly, but the issue remains unresolved. I am now requesting the CFPB to review my case and help facilitate an investigation. 

The item ( s ) I am disputing are as follows : Creditor Name : Care Credit Account Number : XXXXXXXX XXXX XXXX XXXX  Dispute Details : I was in the process of purchasing a home and discovered inaccurate information on my credit report. I was then informed that I was a victim of the Equifax data breach, along with Texas Human Services. According to 15 U.S. Code 1681, any damages on my report are considered defamation of character.

Additional supporting documentation is attached.

I request that the CFPB review this matter and ensure that the inaccurate information is corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Thank you for your attention to this matter. 

Sincerely, 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 2025-08-05 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Collection of Canceled Debt and IRS Form 1099-C Omission Dear Federal Trade Commission , I am writing to file a formal complain. against Portfolio Recovery, which has recently filed a fraudulent record on my Credit Report that they are the original creditor. I have never contracted with Portfolio Recovery in any shape or form and they must immediately cease and desist furnishing false records to Equifax, TransUnion, Experian and wherever else they can. The debt in question was classified by the original creditor as a bad debt and, to my understanding, was written of as was a victim of Identity theft when my information was stolen from hospital records. Despite this, Portfolio Recovery has decided to ruin my credit by falsely claiming they own this debt and myself and them had entered into a contractual agreement at some point. This is false. This raise concerns under the Fair Debt Collection Practices Act ( FDCPA ) and potentially the Fair Credit Reporting Act ( FCRA ), especially if this debt has been re-aged or reported incorrectly. Additionally, the original creditor never issued a Form 1099-C ( Cancellation of Debt ), even though the amount exceeded {$600.00}. This form is required for tax reporting when a debt is canceled, and its absence has complicated my ability to accurately file my 1040 return and remain in compliance with IRS regulations. I am concerned that the sale and collection of a previously canceled debtwithout proper documentation or noticeis misleading and unfair. I request that this matter be reviewed and investigated. Attached are : Evidence of the nefarious reporting from this 3rd party debt collector with no contractual agreement between myself and them. Thank you for your attention to this matter and for helping to protect consumers from improper debt collection practices. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief