vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: CL Holdings LLC
State: IL

Complaint narrative:
I respectfully dispute any inaccurate or unsupported information in my credit report, adhering to the FCRA and XXXX XXXX reporting standards. Unsubstantiated claims of delinquency are unacceptable. Ensure factual and lawful reporting. Provide physical evidence or remove false allegations. Please mail documentation and an updated credit report. 
I express deep disappointment and frustration regarding the inclusion of false or undocumented details in my credit report. 
Unproven claims tarnish the integrity of the report. It is your duty, under federal and state laws, to accurately and completely report allegations, refraining from unlawful claims. I urge you to verify the accuracy of your reporting in accordance with the XXXX XXXX standards. Provide tangible evidence supporting the account 's existence and permissible usage. Failure to do so necessitates the removal of the account from the report. I authorize you to mail me physical documentation outlining your actions and an updated credit report JEFFERSON CAPITAL SYST - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Rocket Mortgage rep called to refinance a loan we had just closed on several months ago. Rep was very pushy and wouldn't take " no '' for an answer. Then we received a " denial '' letter from the agent for a loan we did not solicit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX service agreement and relationship XXXX accepts principal and interest payments ; payment history reflects a " short payment '' XXXX XXXX XXXX escrow payment sent to servicer but was applied as a special deposit payment and does not reflect in the customer payment history or as adjustments on subsequent mortgage statements or in the escrow account XXXX XXXX XXXX payoff includes advance taxes in error ; current taxes have not been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: MS

Complaint narrative:
I ASKED FOR METHOD OF VERIFICATION OF ACCOUNTS ON MY CONSUMER REPORT AND THIS AGENCY IMMEDIATELY CONCLUDED MY DISPUTES WITH NO UPDATES AND NO CHANGES AND NEVER PROVIDED ME WITH THEIR METHOD OF VERIFICATION FOR THESE ACCOUNTS. THE TIME SPAN BETWEEN RECIEVING THE DISPUTES AND THEIR RESPONSES TO ME WERE NOT SUFFICIENT ENOUGH FOR ME TO BELIEVE THAT THEY CONTACTED THE DATA FURNISHERS FOR THESE ACCOUNTS TO VERIFY THESE ACCOUNTS OR THEIR ACCURACY.

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 2025-10-16 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: NV

Complaint narrative:
After looking over my Equifax credit file the accounts are inaccurate, unverifiable, and in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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 not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal 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 2025-10-16 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: IL

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Employer - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged 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 non-monetary relief
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the XXXX XXXX for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

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 2025-10-16 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: IL

Complaint narrative:
This is my fifth and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the XXXX XXXX for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

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 2025-10-16 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: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
I respectfully dispute any inaccurate or unsupported information in my credit report, adhering to the FCRA and XXXX XXXX reporting standards. Unsubstantiated claims of delinquency are unacceptable. Ensure factual and lawful reporting. Provide physical evidence or remove false allegations. Please mail documentation and an updated credit report. I express deep disappointment and frustration regarding the inclusion of false or undocumented details in my credit report. Unproven claims tarnish the integrity of the report. It is your duty, under federal and state laws, to accurately and completely report allegations, refraining from unlawful claims. I urge you to verify the accuracy of your reporting in accordance with the XXXX XXXX standards. Provide tangible evidence supporting the account 's existence and permissible usage. Failure to do so necessitates the removal of the account from the report. I authorize you to mail me physical documentation outlining your actions and an updated credit report. 


SW CRDT SYXXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-10-16 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account being reported by National Credit Systems ( NCS ). 

I originally disputed this account in XX/XX/year>. Since then, the furnisher has never provided a proper method of verification or lawful debt validation. Their verification consisted only of basic name and contact information, which was already on my credit report. 

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I have the right to receive a description of the procedure used to determine the accuracy and completeness of the information. That has never been provided.

Additionally, under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), the furnisher is required to validate the debt upon request. They have failed to produce any documentation, such as a lease agreement, billing statements, or proof of legal assignment.

This account has remained on my credit report for over two years with no lawful verification or validation, which violates FCRA 1681i and 1681s-2 ( b ).

Furthermore, NCS is being reported with multiple inconsistent addresses and phone numbers across the three major credit reporting agencies : XXXX lists : XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX lists : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXXXXXX XXXX lists : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX These discrepancies raise serious questions about the accuracy and reliability of the furnishers reporting. Under FCRA, the bureau is obligated to ensure maximum possible accuracy of any information reported. 

The continued reporting of this unverifiable collection account has caused emotional distress, anxiety, and limited my access to credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and this letter serves as a formal follow-up to my dispute submitted to Experian on XX/XX/year>, regarding inaccurate information being reported on my Experian consumer file. The disputed items are in regard to closed accounts that continue to appear on my profile. The specific accounts include : XXXX XXXX XXXXXXXX XXXX XXXX ( SDFCU ) XXXX XXXX XXXX In my original correspondence, I cited violations under the Fair Credit Reporting Act ( FCRA ) and the GrammLeachBliley Act ( GLBA ) concerning Experians failure to maintain reasonable procedures to protect consumer data and ensure maximum possible accuracy. I also filed a related complaint with the Consumer Financial Protection Bureau ( CFPB ). 

As of today, both XXXX and XXXX XXXX XXXX have failed to respond to Experians reinvestigation request within the XXXX period required under federal law. Pursuant to FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ), if the disputed information can not be verified within the prescribed time frame, the consumer reporting agency must promptly delete the disputed information from the consumers file. 

Furthermore, under FCRA 607 ( b ), Experian is required to follow reasonable procedures to assure the maximum possible accuracy of information in consumer reports. Continuing to report unverifiable or outdated information constitutes a willful violation of the FCRA. 

Accordingly, I am demanding the immediate and permanent deletion of all unverifiable closed accounts listed below from my Experian credit file : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( SDFCU ) XXXX XXXX XXXX Failure to comply will constitute continued noncompliance under FCRA 602, 607, and 611, and I will proceed with filing formal enforcement actions and supplemental complaints with the CFPB, FTC, and the Office of the Attorney General. 

Please provide written confirmation within XXXX ( XXXX ) days of receipt of this letter that the above accounts have been deleted from my credit file in accordance with federal law. 

This serves as my final demand for full compliance and immediate action. 

Sincerely, 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 2025-10-16 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: AL

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 XXXX 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-10-16 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: NC

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2025-10-16 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: CO

Complaint narrative:
I sent a certified letter to Equifax on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXXXXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX XXXX - {$730.00} ( ACCOUNT # XXXX ) XXXX - {$0.00} ( ACCOUNT # XXXX ) Equifax failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I sold a product using Paypal as the money transfer service. The product i sold was listed " as is '' for a substantial discount of the product. Its also relevant to know that this item is over XXXX XXXX XXXX and its value lies more in its collectible value because it is an electronic and is inferior technology-wise. 
The buyer got the item and it didnt work for him. He made a complaint and before a decision had been made Paypal put a hold on my funds. 
Ive submitted evidence proving my side and showing the listing in " as is '' condition. Yet they still have yet to make a decision and have costed me money because I can not ship other items ive sold because they've locked up my business funds with this ordeal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NV

Complaint narrative:
After looking over my Experian credit file the accounts are inaccurate, unverifiable, and in violation of 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My report contains collection accounts that I believe are inaccurate. Under 15 USC XXXX ( b ) and 15 USC XXXX, I have the right to a credit report that is correct and verifiable. I am requesting an investigation into these accounts, and if they can not be properly verified, they must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or misleading advertising or marketing — 
Company: Servicer under contract with Federal Student Aid
State: VT

Complaint narrative:
I was under the impression through the XXXX XXXX app that my call was being directed to XXXX, however, after the conversation I realized that the phone number I contacted was XXXX rather than the XXXX that the XXXX number starts with. 

This individual had access to all of my personal and loan information and was telling me that I could be eligible for loan consolidation and forgiveness. 

They already took a payment of {$280.00} from me, however, I will be reaching out to my bank to dispute and block all future transactions. 

I think it should be known that there are fake numbers and services that are posing to be XXXX, and even trying to contact them through an established app like XXXX XXXX XXXX led me to them

Company response to consumer: Untimely response