vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-08 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-08 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: MA

Complaint narrative:
Dear CFPB/ Legal Team at the Credit reporting agencies : Over 90-120 days ago, I submitted formal written disputes to Experian, Equifax , and TransUnion regarding 3 accounts reporting inaccurate and misleading negative information on my credit profile. These items include : ComenityCB/PiercingPGD falsely reporting a charge-off despite contradictory creditor notation that the account was cancelled, not written off as bad debt. Payment dates and status vary across bureaus, violating FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 formatting. 

XXXX XXXX derogatory lates ( 30/60/90/120 days ) are inconsistently reported between CRAs, though the account was closed by consumer and paid. This misreporting is materially misleading and in violation of FCRA 607 ( b ), 1681e ( b ), and the precedent in XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

XXXX XXXX  XXXX ( Experian only ) Experian alone reports a 60-day delinquency with no balance owed and contradicts the positive history on TransUnion and Equifax. This is inaccurate and unverifiable under FCRA 1681i and XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX. 

Additionally, I have disputed the following inaccurate personal addresses numerous times which continue to remain despite clear non-association : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX These addresses are not mine and may be the result of a mixed file or identity contamination. Under FCRA 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ), the bureaus are required to conduct a reasonable reinvestigation and correct or delete any information found to be inaccurate or unverifiable.

Despite multiple disputes and supporting evidence, all three credit bureaus have continued to respond with template responses stating " verified as accurate '' without any proper validation or providing a method of verification as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). This is not a legally sufficient reinvestigation. 

The bureaus ' ongoing failure to correct these errors and refusal to conduct a proper reinvestigation over the last 90+ days is not only negligent but also willful noncompliance under FCRA 616 and 617, as supported by the courts findings in XXXX XXXX TransUnion XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), which holds that credit bureaus can not merely rely on furnishers without independent verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MA

Complaint narrative:
XXXX XXXXXXXX account does not belong to me and was open with out my knowledge or permision. MY credit report with each agency has a not to not extend any type of credit with out first contacting me do to fraud in the past! there for this account should have never been opened for the main fact I did not apply for this card and it is some sort of fraud or mistake. I ask this account be delete and closed!

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 2025-05-08 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: NY

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter constitutes a formal dispute of inaccurate and unlawfully reported information appearing on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other federal protections. I am demanding the immediate removal of late payment notations currently appearing on the accounts listed below : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Disputed Entries : Late payments reported on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: ProCollect, Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding two collection accounts currently reported by XXXX XXXX XXXX to the credit bureaus : Account # XXXX {$3000.00}, opened XX/XX/XXXX Account # XXXX {$1000.00}, also opened XX/XX/XXXX Both accounts appear to derive from a single lease-related debt involving XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Reporting two separate collection accounts for the same obligation is misleading and constitutes duplicate reporting, in violation of the Fair Credit Reporting Act ( FCRA, 15 USC 1681s-2 ( a ) ). This practice results in inaccurate and harmful information being reflected in my credit reports.

I submitted a debt validation request under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). XXXX has failed to provide sufficient legal proof of assignment, a full itemization of the amounts, or confirmation of whether a Form XXXX was issued pursuant to 26 USC 6050P . 

As supporting evidence, I have attached : Image XXXX XXXX Collection Letter ( XX/XX/XXXX ) : Lists a {$3000.00} balance but makes no mention of a second account. 

Image XXXX Credit Report Screenshot : Shows both accounts reported under XXXX with identical open dates and differing balances ( {$3000.00} and {$1000.00} ). 

Image XXXX Final Account Statement from XXXXXXXX XXXX : Reflects a total due of {$4000.00}, inconsistent with the split balances reported. 

These inconsistencies show the information is not verifiable, not accurate, and not legally validated. I request that the CFPB require XXXX to either fully validate these debts or delete both accounts from all credit bureaus immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NV

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: WA

Complaint narrative:
This complaint is intentional and submitted with urgency. My credit report contains false and unverifiable information that is causing significant harm to my financial standing and emotional well-being. These inaccuracies must be addressed and corrected without delay.

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

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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 am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by TransUnion. 
Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed items in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days. - FCRA 1681s- 2 ( a ) continued reporting of information known or reasonably known to be inaccurate. - Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. - CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional distress and unnecessary time and effort to correct this issue. - Denials or unfavorable terms for financial products due to incorrect reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Account XXXX To Whom It May Concern : Notice for validation of debts. 
Pursuant 12 CFR 1006.34c This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 ( c ).

Midland Credit Management, you have not met all validation requirements under 15USC 1692 Fair Debt Collection Practice Act, therefore, the alleged debt account being furnished to my consumer report is inaccurate and non compliant to 15 USC 1681. Furthermore, I request a description of the procedure used to determine the certification of accuracy and completeness of the investigation in the alleged debt in accordance with 15USC 1681i ( 6 ) ( b ) ( 3 ). 


Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: F.H. Cann & Associates, Inc.
State: TX

Complaint narrative:
Account F H Cann and Associate # XXXX I'm unaware of this debt an did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not, please delete account # XXXX as soon as possible from my credit report or I will take legal action.

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

Complaint narrative:
I am filing this complaint regarding inaccurate and unresolved information being reported by XXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) on my credit report, and the failure of the credit bureaus [ Equifax / Experian / TransUnion to properly investigate and correct the issue. 

The accounts in question are for a total of : {$4400.00} {$3800.00} {$2400.00} I disputed this account on XX/XX/2025 and included supporting documentation. Despite this, the credit bureau ( s ) continue to report this account inaccurately, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : The account in question is XXXX XXXX XXXX XXXX. # XXXXXXXX XXXX XXXX XXXX XXXX The following information is inaccurate : The account does not belong to me/ may be fraudulent This account was previously paid/settled/closed, but it is not reflected accurately Despite following the dispute process the credit bureaus failed to correct or reasonably investigate the dispute within the required 30 days.

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 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Hello! 
My mortgage ( without my consent ) was sold to Mr. Cooper. This is by far the most unprofessional and incompetent mortgage companies Ive ever dealt with - and I had XXXX XXXX for my previous mortgage. 
I have spoken with ONE person in regards to payments and things of the like in the past. I dont know if i got lucky and got a person that day but their phone system is designed so that you NEVER get to speak to a human being. Its designed to take you in circles. 
At the end of XX/XX/year>, before 30 days had passed post due date, on numerous occasions I attempted to logon to Mr. Coopers website to make a payment. It took several times for me to even be able to login and even then the payment page would not load. I tried this on different computers and browsers etc. nothing would work. After two days of trying and trying to call them to speak with someone having no luck. I used to automated payment over the phone process. We are still within the period where nothing should be reported on my credit. We are not past 30 days when I make this payment. It showed as a pending transaction with the money LEAVING my account. 
I was alerted today, XX/XX/year>, that Mr. Cooper has reported my payment over 30 days late. And it was very much not. I can not get anyone to speak with me on the phone and there are no online representatives to chat with. 

I am very concerned about the lack of integrity and just overall gross incompetence demonstrated by this company to keep up with accounts and payments. Maybe they shouldnt be allowed to if this is how theyre doing. I am TERRIFIED to know that how many others have experienced what I have which is zero customer support and false reports to the credit bureau about payments being on time when their avenues of payment only work 50 % of the time. I did not ask for this company to be my mortgage servicer. I need this false late payment removed from my credit report IMMEDIATELY.

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

Complaint narrative:
This complaint is intentional and submitted with urgency. My credit report contains false and unverifiable information that is causing significant harm to my financial standing and emotional well-being. These inaccuracies must be addressed and corrected without delay.

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 2025-05-08 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: TX

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 
Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX * * * * Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX * * * * Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AZ

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a 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