vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-02 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: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX NJ XXXX Loan # XXXX I am filing this complaint because my mortgage servicer denied my request for a medical hardship forbearance, even though I am currently undergoing XXXX treatment and provided medical documentation supporting my situation. 

I also want to highlight that I am a New Jersey homeowner, and under New Jersey law, individuals facing serious medical conditions such as XXXX are entitled to certain mortgage protections and relief. Specifically, the state has recognized in law and policy that seriously ill homeowners, particularly those undergoing XXXX treatment, deserve consideration for temporary forbearance, delayed foreclosure proceedings, or other hardship-related relief.

Prior to this, I was on a trial loan modification plan and made the first two payments successfully. The third payment was delayed due to a bank error, not a refusal or inability to pay. Despite informing my servicer, they canceled the entire trial modification without giving me a chance to resolve the error or continue. This was not only harsh but has now placed me in further hardship. 

I then applied for a medical forbearance and included documentation of my XXXX diagnosis and ongoing treatment. The servicer denied this application and failed to offer any meaningful alternatives such as a reduced payment plan, reinstatement of the modification, or internal hardship review. They also did not provide a full written explanation of the denial or appeal rights, despite my repeated requests.

What Im requesting : That the servicer be directed to reconsider my forbearance or hardship request, in light of New Jerseys protections for homeowners with XXXX or serious illness ; That I be evaluated for any available internal hardship or loss mitigation options, including reinstatement of the canceled modification due to the payment issue that was outside my control ; That I receive a written explanation of the denial, the policies used to reach that decision, and the available appeal options ; And that the servicer delay any foreclosure-related activity while this is being resolved.

I am not trying to walk away from my responsibilitiesmy goal is to either recover and resume payments or sell the home to resolve the loan appropriately. I simply need time and cooperation during a medically and emotionally exhausting period. I am asking the CFPB to help me ensure that my servicer complies with both state and federal consumer protections and hardship review obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: AR

Complaint narrative:
I am filing a formal complaint regarding an inaccurate and unverified collection account appearing on my credit report. The account ( No. XXXX ) for {$940.00} was opened on XX/XX/XXXX and reported as past due as of XX/XX/XXXX. 

I formally disputed this account with the credit bureaus and requested validation from the furnisher. No contract bearing my signature or legally required documentation was provided, yet the item remains on my report. This is a violation of the Fair Credit Reporting Act ( FCRA 611 ) and Fair Debt Collection Practices Act ( FDCPA 809 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AR

Complaint narrative:
I am filing a formal complaint regarding an inaccurate and unverified collection account appearing on my credit report. The account ( No. XXXX ) for {$940.00} was opened on XX/XX/XXXX and reported as past due as of XX/XX/XXXX. 

I formally disputed this account with the credit bureaus and requested validation from the furnisher. No contract bearing my signature or legally required documentation was provided, yet the item remains on my report. This is a violation of the Fair Credit Reporting Act ( FCRA 611 ) and Fair Debt Collection Practices Act ( FDCPA 809 ).

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 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-02 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
The debt buyer portfolio recovery associates bought a debt from XXXX XXXX and there putting on my credit report that the day they bought the debt is the default date .\ They know that is not the default date there is no way XXXX XXXX sold the debt on the sam eday. I know when the default took place and it is past 6 years. That is why XXXX XXXX wrote the letter for me you also have ignored the issue with this account and that is the reason I will not pay a debt that the XXXX company sold me a cell phone warrenty and with it in force needed a repair I contacted XXXX and I am not sure what they did wrong but the warenty was never paid for by XXXX I paid. I bought the cell from XXXX and was sent a contract which they. never paid for and would not make it right. But you are not being truthful in the date of default By XX/XX/XXXX I had a past due balance of XXXX due as a payment. I had stopped payong on this prior to 6 years ago in XX/XX/XXXX there is no way you date in XXXX is right the 6 years is over and the seventh is right around the corner so fix the default date and stop contacting me. You have never provided requested proof they 2 statements sure dont support your claim of default in XXXX..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-07-02 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:
These accounts have been reported on my credit report I have disputed them and they still have not came off.I continue to dispute them I would like these removed these are not my accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Loan XXXX XXXX XXXX XXXX XXXX XXXX  ( my old XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
These accounts have been reported on my credit report I have disputed them and they still have not came off.I continue to dispute them I would like these removed these are not my accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Loan XXXX XXXX XXXX XXXX XXXX XXXX  ( my old 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 2025-07-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to demand the immediate deletion of an account that appears on my credit report which was opened and used fraudulently and without my authorization. This is a clear case of identity theft, and I will not accept responsibility for any activity, balances, or consequences tied to this illegitimate account. Let me be very clear : I did not open this account. I did not authorize its use. It does not belong to me, and it should never have been associated with my name, Social Security number, or credit file in the first place. Its presence on my report is not only inaccurate but harmful and entirely unjustified.

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 2025-07-02 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: FL

Complaint narrative:
I was a victim of identity theft. There is an inquiry on my Transunion credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is XXXX. XXXX - XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I am filing a complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ). Despite submitting a formal dispute on XX/XX/XXXX, XXXXincluding a copy of my government-issued ID and a recent gas bill to verify my identity and addressExperian continues to report XXXX inaccurate and unauthorized variations of my name on my credit report. The letter was received by Experian on XX/XX/2025. 

I have made it clear that there is only XXXX correct legal name that should be listed on my credit report. Experians continued inclusion of these erroneous names is both misleading and damaging to my credit profile. This failure to correct inaccurate personal information within a reasonable timeframe is a direct violation of the FCRA. 

I am requesting that Experian be required to : Remove all incorrect name variations from my credit report ; and Ensure that only my correct legal name appears on all versions of my report moving forward. 
I am including supporting documentation such as my original dispute letter, proof of delivery, a copy of my ID and utility bill, and a copy of the credit report showing the name discrepancies. 

I respectfully request that the CFPB take immediate action to address Experians non-compliance.

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I have submitted multiple notarized, certified-mail disputes to TransUnion regarding XXXX mortgage accounts ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX both of which are reported with serious legal and factual errors. Despite providing clear documentation, including screenshots, ID, utility bills, SSN, and evidence of financial harm, TransUnion responded with generic " verified '' statements and failed to conduct a real investigation. XXXX XXXX XXXX XXXX Account # : XXXX This account shows XXXX  months of XXXX delinquencies while simultaneously showing " Current '' status and {$0.00} past due. These contradictions violate FCRA 607 ( b ), 611 ( a ), and Metro 2 standards. No condition codes ( e.g., AW, CP, CO ) were used to explain the delinquencies, which is required under Metro 2. XXXX XXXX XXXX Account # : XXXX This tradeline also shows XXXX lates while marked as " XXXX '' with {$0.00} past due. 

TransUnion did not correct or verify this despite our detailed XX/XX/XXXX and XX/XX/XXXX disputes. This again violates FCRA 611 ( a ) ( 5 ), 623 ( a ) ( 2 ), and Metro 2 formatting requirements. I provided evidence that these tradelines caused direct financial harm, including being forced into a high-interest bridge loan instead of qualifying for a conventional mortgage despite having the income and approval needed.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-02 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX  and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-07-02 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: AL

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 explanation