vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: CMG Financial Services, Inc.
State: NH

Complaint narrative:
Paid off loan on XX/XX/XXXX with payoff date of XX/XX/XXXX from CMG. Prepaid Interest paid which is owed back is {$1800.00}. CMG said they issued check on XX/XX/XXXX for that amount which has never been received. Called XX/XX/XXXX talked to XXXX and she saw this and said they would put a stop payment on that check, elevate to supervisor and reissue in XXXX to 5 days and verified mailing address. Called again XX/XX/XXXX and left call back number after 25 minutes on hold .. Called XX/XX/XXXX after 33 minutes on hold, talked to XXXX XXXX got same response will elevate to supervisor, verified mailing address. Said will email info and none received. Called XX/XX/XXXX, 20 minutes on hold, talked to XXXX, same answers, in process etc, will elevate to supervisor, verified mailing address again. Will email me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: C/C Financial
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Cease and Desist Demand for Immediate Removal of Inaccurate Credit Information To Whom It May Concern : I, XXXX XXXX, am formally demanding that XXXX cease and desist from reporting the following inaccurate and unverifiable accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Preferred Lease XXXX XXXX XXXXXXXX Basis for Demand : These accounts are inaccurate and unverifiable. Under 15 U.S.C. 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information on my credit report. The creditors have failed to provide legally sufficient documentation proving my obligation to pay these debts. 

Reporting these accounts in their current form violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information. 

Continued reporting of these accounts is causing substantial financial and emotional hardship, interfering with my ability to obtain credit, and exposing me to damages. 

Demand for Immediate Action : Cease reporting these accounts immediately. Remove them from my credit report within 15 calendar days of receipt of this letter.

Conduct a full reinvestigation with the creditors and provide written confirmation of removal. 

Provide a corrected copy of my credit report reflecting the removal of these accounts. 

Notice : Failure to comply within 15 days will leave me no choice but to : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Pursue all remedies available under federal and state law for the willful and negligent reporting of inaccurate credit information, including potential claims for actual and statutory damages, attorneys fees, and costs. 

This letter serves as a formal Cease and Desist notice. I expect your immediate compliance and written confirmation of removal. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone may have used my information to open up this account after it was leaked in the data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XX/XX/year> I sent a certified mail to XXXX about the errors in their reporting. The signed for letter on XX/XX/year>. I haver all of my copies including the letter and signature of their signing for it. I stated in my letter to respond by XXXX mail and not by email or text. I never received a letter from them ( only voicemail as well as emails ). They only responded in email saying they were forwarding this dispute to the proper parties. These emails went on an on for about XXXX weeks. On XX/XX/year> I also sent a certified letter to TransUnion which was signed for on XX/XX/year>. They kept emailing me that the dispute was in the right hands. Not once have I received a piece of XXXX mail from them. They have violated almost every act of the CFPB. From non- response in a federal requirements to as much as the reported account number at the credit bureau is wrong. Thus, I could not see this easily. I am trying to buy a home in a date required mortgage. And the monthly payment being wrong was one thing, but yesterday I got a notice from the credit bureaus that there was some information that I need to Look at. When I did, I was floored. they took the old collection account off with the reporting error, then added a new loan amount of {$5000.00} and then immediately right after that closed that loan with the bureaus and marked it in collection. They should not be able to do this to any individual. They knew I was going to file a complaint so they took advantage of their ability to manipulate that system in a harassment and illegal way. I have struggled and struggled with both them as well as the credit bureau on this matter. The credit bureau did not mark this a disputed either. Even now with the XXXX loan marked with collection, if I log into that account I see a different amount showed that XXXX, and the number don't reconcile. 

Please any help that you can give and as quick as possible would be appreciated. I am still trying to get the credit I now see resolved. This one however has caused deep XXXX and taken a mental tole on me. 

But to open another account in my name internally and then mark it collection is a nightmare.

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 2025-09-29 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: IL

Complaint narrative:
I am submitting this formal request under the Fair Credit Reporting Act, Section 605B, regarding a fraudulent account listed on my credit file. 

The following fraudulent account appears on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX, Date Opened XXXX This account was created using my personal information without my knowledge or consent. I am a victim of identity theft and had no participation in the establishment or use of this account. This information does not belong to me and should not be associated with my credit profile.

Pursuant to FCRA 605B, I am requesting that this account be blocked from my credit report immediately and permanently removed from all future disclosures. Enclosed you will find the required identity theft documentation, including : A copy of my government-issued ID A bank statement as proof of address A copy of my SSN card A completed and signed FTC Identity Theft Report Please process this request without delay. Under federal law, the item must be blocked from my file within 4 business days of receipt of this notice and supporting documentation. 

If you require any additional information to fulfill this legal obligation, please contact me at the mailing address provided.

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 2025-09-29 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: MA

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code S 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX Account Number : XXXX Account Name : Collection Account Number : 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 2025-09-29 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: MA

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code S 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX Account Number : XXXX Account Name : Collection Account Number : 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 2025-09-29 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:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or approved them, and their presence is both false and misleading. This is entirely unacceptable, as it misrepresents my financial history and damages my credit profile. I take my credit standing extremely seriously, and the appearance of these unauthorized accounts has caused me significant distress and concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HireRight Solutions, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the handling of my background check by HireRight, which I believe may violate the Fair Credit Reporting Act ( FCRA ) and reflects a pattern of poor consumer treatment. 

Today ( XX/XX/XXXX ) alone, I spoke with XXXX representativesone via chat and XXXX by phone. The first XXXX were offshore and unable to answer basic questions about my report. One even advised me to call my employer, which was both inappropriate and dismissive. The third representative, based in XXXX, was more informed and clarified that XXXX  queries counties based on name and date of birth matches, even when convictions fall outside the scope requested by the employer. 

In my case, XXXX XXXX requested a XXXX criminal background check. I have not lived in XXXX  since XXXX, and my charges/convictions in XXXX XXXX XXXX XXXX XXXX. Despite this, HireRight is actively querying those records. While I was told they would not be disclosed, the process itself creates the appearance of dishonesty and undermines my professional reputation. 

This experience is not isolated. Upon reviewing public feedback, I found numerous complaints from other candidates describing : -Excessively slow turnaround times -Flagging of easily verifiable information -Requests for documents such as pay stubs from employers over a decade ago. 

These practices are invasive, unnecessary, and potentially noncompliant with FCRA standardsespecially when the scope of the report is clearly defined by the employer. 
I am requesting that this complaint be investigated and that HireRight be held accountable for : -Honoring the scope requested by employers -Respecting candidate rights under FCRA -Providing competent, respectful customer service Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 the victim of identity theft. After reviewing my credit reports, I discovered multiple accounts that do not belong to me and were fraudulently opened using my personal information. These accounts include loans, credit cards, utility, and phone accounts listed under ExperianXXXX XXXX XXXX XXXX. I have already filed an FTC Identity Theft Report and am disputing these items as fraudulent. I did not authorize or benefit from these accounts. I am requesting that these fraudulent accounts, along with any related collections and inquiries, be deleted from my credit reports. Please remove all inaccurate information that resulted from this identity theft so my credit file accurately reflects only accounts I am responsible for.

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. 

XX/XX/year> for {$470.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-29 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-29 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: MD

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccuracies that fail to meet the Fair Credit Reporting Acts requirement of maximum possible accuracy. These errors are causing significant and ongoing financial and emotional harm.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing fraudulent accounts that are being reported under my credit history. These accounts are not mine and were never authorized. Their presence is an inaccuracy that misrepresents my financial identity and undermines the reliability of my credit record.

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 2025-09-29 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: MA

Complaint narrative:
I am filing a complaint against TransUnion regarding multiple inaccurate and potentially unverifiable late payment entries on my credit report. I have submitted a formal reinvestigation request under the Fair Credit Reporting Act ( FCRA 611 ) and requested verification of all disputed accounts, including XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, and XXXX Card accounts. The reported late payments, ranging from XXXX to 120 days, do not reflect my actual payment history and may not comply with XXXX XXXX reporting standards, including proper use of Payment History Profile, Payment Rating, and Compliance Condition Codes. I am requesting that TransUnion conduct a complete reinvestigation, verify each account with the original furnisher, correct or delete any inaccurate, incomplete, or unverifiable information, and provide me with an updated credit report reflecting any changes. These inaccuracies are adversely affecting my credit and financial opportunities, and I request the CFPBs assistance in ensuring that my credit report is accurate and compliant with federal law.

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC
State: MO

Complaint narrative:
I am the victim of Identity Theft and a fraudulent account was opened in my name by Advanced Financial. I explained this was a fraudulent account and wanted them to close this. They said they have but have refused to send my documentation for my personal records showing they have closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, I called BAnk Of america customer service line to report suspicious activity on my account. Shortly after, I went into the branch in person to dispute the fraudulent charge ( s ). At that time, I was informed that the disputed amount would be removed from my account. 

As of today, the charge has not been reversed. I am requesting an update on the status of this fraud dispute and confirmation of when the adjustment will be applied to my account.

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 monetary relief
Consumer complaint received 2025-09-29 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: Nelnet, Inc.
State: AL

Complaint narrative:
I have applied for a new car, and I am submitting this complaint regarding the inaccurate and potentially harmful information being reported on my credit file. This information violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that consumer reporting agencies and furnishers ensure maximum possible accuracy of information reported.The account ( s ) in question are being inaccurately reported, causing serious damage to my credit and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: WA

Complaint narrative:
I found an error on my credit report and disputed it. It is in dispute, yet the debt collector keeps calling me and leaving voicemails. The information was deleted from XXXX, but still in dispute with XXXX. I am still getting debt collection calls while an active dispute is pending

Company response to consumer: Closed with explanation