vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court U.S Bunkruptcy Court that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am writing in response to a notice I received regarding an alleged debt that you claim I owe. Please be advised that I dispute this debt and request validation of the account in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I request that you provide the following documentation : 1. The name and address of the original creditor.

2. The original account number.

3. A detailed statement showing how the alleged amount was calculated.

4. A copy of any signed agreement or contract bearing my signature that evidences my responsibility for this debt.

5. Proof that you are licensed to collect debts in my state.

6. Documentation showing that LVNV Funding LLC has legal ownership or assignment of the alleged debt. 

Until you provide the requested validation, you must cease all collection activity, including phone calls, letters, and reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I wanted to make you aware that I was unable to manage these accounts due to being detained, and I was unaware of the status of my files during that time. Unfortunately, someone took advantage of my personal information to create fraudulent accounts. Its important to ensure that these accounts are not reported on any of my credit reports.

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 2025-10-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
AFTER PAYING MY XXXX STATEMENT OF $ XXXX XXXX RECEIVED XXXX STATEMENT THAT IS NOT OVER {$1700.00} I SPOKE TO A REPRESENTATIVE ON XX/XX/XXXX SHE STATED THAT MY HOMEOWNER 'S INSURANCE WENT UP ON XX/XX/XXXX AND I COULD ALSO FILE FOR A TAX ABATEMENT OTHER THEN THAT THEY CAN NOT HELP. LAST WEEK I RECEIVED A LETTER FROM FREEDOM STATING THEY WERE STILL TRYING TO BILL XXXX XXXX FOR MY HOMEOWNERS INSURANCE WHICH I HAVE TOLD THEM NUMEROUS TIMES THAT I SWITCHED TO XXXX, I CALLED MY XXXX REPRESENTATIVE ON XX/XX/XXXX SHE STATED THAT THAT IS NOT TRUE THAT MY HOMEOWNERS HAS BEEN PAID SINCE XX/XX/XXXX SENDING ME THE RECEIPT. 

I CALLED THIS MORNING NOW ALL OF A SUDDEN THEY CAN NOT FILE MY ACCOUNT USING MY SOCIAL SECURITY NUMBER ( THE SAME NUMBER SINCE XXXX ) WHEN I BOUGHT THE HOUSE THEY ARE GIVING ME A TOTAL RUN AROUND

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 2025-10-07 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: VA

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 15 U.S.C. 1681c-2, 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 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, 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 explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
i fell behind on mortgage when i was going to sell house.freedom mortgage ststed they wanted to keep me in house with a government program.thats when the nightmare began they kept saying packets i sent in where done wrong.i even had alaywer submit 2 that where don perfectly lawyer said and it was denied thats when lawyer was fired because they said just do it over.now 5 years later the VA got involved and a miracle happened and the paper work was done correctly.then 3 years ago i had a kitchen fire they refuse to release money to fix house i turned in contractors itn number which they said was wrong till va got involved, then another miracle the contractors itn numbers were correct they made the mistake.the va can attest to this i even have name and employee number who said itn number was correct.my complaint is how much money i will lose paying monthly mortgage payment because of there lie and how much more fixing my kitchen beause they have lied to me XXXX XXXX is va person i worked with her email is XXXX she can tell you everything i have gone through.i also know you have fined freedom mortgage with there lend 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 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Wasserstein, P.A.
State: FL

Complaint narrative:
b'I am filing this complaint against XXXX XXXX, representing Juniper Glen HOA, for violations of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g(b).\nOn XXXX XXXX XXXX, I received a demand letter from the attorney for XXXX  related to HOA assessments. On XXXX XXXX XXXX, I disputed the debt in writing and requested verification. I also sent the same dispute via certified mail on XXXX XXXX XXXX which was delivered on XXXX XXXX XXXX  (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX).\nDespite receiving my written dispute, the attorney has failed to provide any debt verification or written response, in violation of 15 U.S.C. 1692g(b), which requires all collection activity to cease until proper verification is provided.\nIn addition, the HOA and its management company failed to send prior notices to my correct mailing address, even though that address was on file and previously used by the prior management company, in violation of Florida Statutes 720.303(4) and 720.3085(4)(a).\nA complete record of correspondence, including the demand letter, written dispute, certified mail receipts, final notice, and proof of correct address, is attached in a single PDF titled Juniper Glen HOA  Attorney Non-Response Documentation (Michael Marom).pdf.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: VA

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-10-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-10-07 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:
I have been disputing these accounts for over two years and the credit bureaus ( Experian, Equifax, and TransUnion ) continue to report inaccurate, unverifiable, and nonMetro 2 compliant data in violation of FCRA 607 ( b ) ( duty of accuracy ), 611 ( a ) ( failure to reinvestigate ), and 609 ( a ) ( failure to provide documentation ).

Despite multiple certified disputes, the furnishers have not produced verifiable proof of debt, payment history, or signed contracts. Therefore, these accounts are legally unverified and must be deleted under the Fair Credit Reporting Act. 

The following tradelines are being falsely reported : XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Conflicting High Credit ( {$31000.00} TU vs {$7100.00} EQF ), contradictory Date of Last Activity and Payment ( XX/XX/XXXX vs XX/XX/XXXX ), and false OK payments after charge-off. This violates FCRA XXXX ( b ) and XXXX XXXX accuracy guidelines. 
XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  High Credit differs ( {$31000.00} XXXX XXXX {$9600.00} EQF ). Equifax lists false positive payments after charge-off, and the account was re-aged to XXXX activity despite no payments since XXXX. Violates FCRA 607 ( b ) and 623 ( a ) ( 5 ). 
XXXX. XXXX XXXX XXXX XXXX Bank # XXXXXXXX XXXX XXXX XXXX XXXX Balance and status differ across bureaus ( {$1200.00} EQF vs {$3000.00} TU vs {$0.00} EXP ). Payment history is missing and the account shows dispute resolved without proof of reinvestigation. Violates FCRA 611 ( a ). 
XXXX. XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Account was sold/transferred and balance is {$0.00}, but still reports as a charge-off. A transferred account can not legally report a charge-off under FCRA 623 ( a ) ( 5 ). 
XXXX. XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX sold to a third-party collector, yet still reports as a charge-off with a {$0.00} balance. Continued derogatory reporting by the original creditor is misleading and unlawful under FCRA XXXX ( b ). 

Each of these tradelines contains false or unverifiable data and continues to harm my credit profile and reputation. Because no valid evidence has been provided after repeated disputes, these items are required by law to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: TX

Complaint narrative:
I have been disputing these accounts for over two years and the credit bureaus ( Experian, Equifax, and TransUnion ) continue to report inaccurate, unverifiable, and nonMetro 2 compliant data in violation of FCRA 607 ( b ) ( duty of accuracy ), 611 ( a ) ( failure to reinvestigate ), and 609 ( a ) ( failure to provide documentation ).

Despite multiple certified disputes, the furnishers have not produced verifiable proof of debt, payment history, or signed contracts. Therefore, these accounts are legally unverified and must be deleted under the Fair Credit Reporting Act. 

The following tradelines are being falsely reported : XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Conflicting High Credit ( {$31000.00} TU vs {$7100.00} EQF ), contradictory Date of Last Activity and Payment ( XX/XX/XXXX vs XX/XX/XXXX ), and false OK payments after charge-off. This violates FCRA XXXX ( b ) and XXXX XXXX accuracy guidelines. 
XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  High Credit differs ( {$31000.00} XXXX XXXX {$9600.00} EQF ). Equifax lists false positive payments after charge-off, and the account was re-aged to XXXX activity despite no payments since XXXX. Violates FCRA 607 ( b ) and 623 ( a ) ( 5 ). 
XXXX. XXXX XXXX XXXX XXXX Bank # XXXXXXXX XXXX XXXX XXXX XXXX Balance and status differ across bureaus ( {$1200.00} EQF vs {$3000.00} TU vs {$0.00} EXP ). Payment history is missing and the account shows dispute resolved without proof of reinvestigation. Violates FCRA 611 ( a ). 
XXXX. XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Account was sold/transferred and balance is {$0.00}, but still reports as a charge-off. A transferred account can not legally report a charge-off under FCRA 623 ( a ) ( 5 ). 
XXXX. XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX sold to a third-party collector, yet still reports as a charge-off with a {$0.00} balance. Continued derogatory reporting by the original creditor is misleading and unlawful under FCRA XXXX ( b ). 

Each of these tradelines contains false or unverifiable data and continues to harm my credit profile and reputation. Because no valid evidence has been provided after repeated disputes, these items are required by law to be deleted.

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 2025-10-07 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: AL

Complaint narrative:
Dispute tradeline and all late months. Installment/Collection mix, Past Due on a collection, PHP latesall XXXX ; XXXX XXXX conflict. 
Law : FCRA 607 ( b ), 611 ; Cushman ; Reg V ; FDCPA.

Metro 2 : Type=Collection ; Past Due=XXXX  ; Sched Pmt=XXXX ; no PHP lates ; DOFD ; CCC=XXXX. 
Demand : Ledgers ( due/receipt/posting ). Codes proof. If not independently verified delete. 
Enclosures : ID, address, Equifax pages. 
XXXX ) XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Dispute all late months and current reporting ( Open ; {$0.00} pmt ; Past Due = Balance ). Correct Status/OLA/DOFD or delete. 
Cites : FCRA 607 ( b ), 611, 623 ; Cushman ; Reg V.

Demand : Ledgers ; codes proof ; non-verification delete. 
Enclosures : ID, address, pages. 
XXXX ) XXXX XXXX ( XXXX ) Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX {$23000.00} is inaccurate. 
Law/Metro XXXX XXXX FCRA XXXX ( b ), XXXX ; XXXX XXXX ; Sched XXXX ; XXXX required. 
Demand : Ledgers ; if not independently verified, delete tradeline. 
Enclosures : As above. 
XXXX XXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit/Original Loan Amount inconsistent vs other CRAs.

Law : FCRA 607 ( b ), 611, 623. Metro 2 : fix OLA/High Credit and Sold coding.

Demand : Independent verification or deletion ; provide ledgers for any late ; codes proof. 
Enclosures : As above. 
XXXX ) XXXX Auto Finance Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your file shows Negative/NoDataAvailable while another CRA shows XXXX inaccurate/incomplete. 
Law : FCRA 607 ( b ), 611. Metro 2 : Closed/ {$0.00}, correct Payment Rating/PHP. 
Demand : Ledgers for any late months ; codes proof. If not independently verified, delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: GVA Holdings, LLC
State: NC

Complaint narrative:
I called company and explained that I didnt understand the loan and asked them to cancel payment untill I figured out what was going on. They agreed to stop payment but instead went forward with drafting from my account causing an over draft.

Company response to consumer: Closed with explanation