vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEXA Mortgage, LLC
State: FL

Complaint narrative:
Hello my name is XXXX XXXX, I closed on a new house on XXXX XXXX 2025 with a mortgage with Nexa Mortgage represented by Loan Officer XXXX XXXX XXXX # XXXX and State License XXXX, under coercive and predatory loan terms attached to a Guarantee Back up Offer with the company XXXX. 

I have repeated asked to rescind the contract to buy seconday property with XXXX with no success to honoring my wishes and requests. 

Last contact was me being directed with their compliance department Director XXXX XXXX at XXXX today XX/XX/scrub> 2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: PA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

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 2025-08-22 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: FL

Complaint narrative:
I am challenging the accuracy of specific accounts reflected in my credit history that I did not authorize. I respectfully ask for a complete investigation and deletion of these entries. Documentation is enclosed.

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 2025-08-22 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: LA

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 an 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 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 2025-08-22 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: CA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: CA

Complaint narrative:
I received a text message from Evergreen Professional regarding a debt for a ticket in the XXXXXXXX XXXX XXXX XXXX. I called the number and I informed the young lady that I didn't receive a copy of the debt and by law I would need a copy to verify the debt. She told me that she wouldn't sent me the verification, that I should have already received it. I told he that I wouldn't be paying it and that I would be including the debt in my XXXX  and she then proceeded to tell me that it would NOT be able to be included because its a parking ticket. I told her that it would be able to be included, I then requested her, again to please send me a copy of the debt for verification purposes that by law she has to send me a copy of the debt and she then raised her voice and told me that I can go look for it my self if I don't have a copy. I told her that it not proper procedure following the FDCPA procedures. The she said I gave you all the information you need I am disconnecting the call and hung up on me. She didn't provide with a citation number NOTHING.

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 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing a hard inquiry that has been recorded on my credit report without my knowledge or authorization. I have not applied for credit with the reporting entity, nor have I provided consent for this inquiry.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I am writing to formally dispute the reporting of the following accounts on my credit file. These accounts are both claiming to own the same debt with an outstanding balance. As you are aware, reporting the same debt under multiple furnishers is inaccurate, misleading, and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX Account Number XXXX Date Opened XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX Account Number XXXX Date Opened XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX Account Number XXXX Date Opened XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XXXX XXXX, XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  Account Number XXXX Date Opened XXXX XXXX, XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX  XXXX  Account Number XXXX Date Opened XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/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 2025-08-22 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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, Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$7900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing an account listed on my credit report that I did not authorize or open. This account is fraudulent, and its reporting is completely inaccurate. Its presence is causing significant harm to my financial standing and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
This is for this has been going on for the last XXXX years. Ive had money missing out of my account and every time I call to find out where my refund money is at, and why its not been issued back to my accounts and all this other stuff Ive had money sent to my account that they had put no XXXX XXXX  showing because they had taken the money And made it not showing in the system that was supposed to go into my account. I have called the companies to where they have given me receipts on where the money was sent to and the money was never put this issue into my account when I call to talk to them about this issue that Ive been having for the last XXXX years with them, I get them laughing in my face they dont XXXX na do their job And the money never get shown to my account. I get my Social Security check which gets put in there every month faithfully for the last XXXX years since Ive had this bank that I have to call and complain because my check is not in there when it should be OK Ive been dealing with this for the last XXXX years Thats enough. They keep messing with my accounts and keep making changes on my accounts without me even being aware of it now I have a bunch of refund money that was over {$200.00} sent to my account which only {$47.00} of it is shown back in where the rest of my refund money and I have tracking refunds from the company where they sent all the money back and its not been put back in my account yet I am tired of the fact that I have to call and complain every time I turn around and they do not do their job and they will not fix my stuff just like when youre supposed to have a {$200.00} overdraft fee in your account when you first open the bank account with them I have not had none of The stuff that was offered with the account when I first opened he never once had a {$200.00} overdraft fee my account doesnt go past {$60.00} of overdraft fee and I get {$940.00} faithfully a month that goes in my account but yet they wont get off their XXXX and do their job but yet they wan na laugh at my face because my money is missing And they dont wan na do nothing to fix the situation on this and Ive had a ton of money come up missing that was supposed to put in my account and it has never been shown

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
Hello, I received your written offer dated Monday XX/XX/2025 to settle my account for {$750.00}. When I called on Friday XX/XX/2025, I attempted to accept the offer and pay the agreed amount same day, but was informed by XXXX that the offer was no longer valid or not being honored. When I asked to speak to someone with higher authority to resolve this matter she told me to " Read the email correctly '' when I read the offer verbatim to her whilst finding faults in her statements ; she became argumentative & ended the conversation stating her manager would call me back to tell me the same thing. 

This written offer was sent by your agency and was not expired as it expires Sunday XX/XX/2025. I am requesting confirmation that you will honor the {$750.00} offer so I can resolve this matter as soon as possible and not have this experience again. 

Please respond in writing. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
I am submitting this rebuttal regarding Credit Central LLC and the inaccurate reporting of my loan account. 

The account was charged-off and closed on XX/XX/XXXX. Despite this, Credit Central continues to update the account monthly as derogatory through XXXX. This is misleading and inaccurate under the Fair Credit Reporting Act ( 15 USC 1681s-2 ) because it gives the appearance of new delinquency each month instead of reflecting the actual XXXX charge-off date. 

In addition : The original loan was {$460.00}, but the reported balance is {$570.00}. Credit Central has not validated how this balance was calculated, in violation of the Fair Debt Collection Practices Act ( 15 USC 1692g ).

My XXXX  report shows that between XXXX XXXX XXXX, a remark code was removed from this account, which caused my score to drop by XXXX points, even though the derogatory reporting remained. This further demonstrates manipulation of how the account is reported.

Requested Resolution : Immediate deletion of this account from all credit bureaus ( XXXX XXXX XXXX XXXX ) due to inaccurate and misleading reporting. 

Written confirmation that the balance and status will not continue to be re-aged or updated in violation of the FCRA. 


I am attaching current credit report screenshots as evidence showing : 1. Account marked closed on XX/XX/XXXX. 


2. Derogatory updates still appearing monthly through XXXX. 


3. Remark code removal causing a score drop. 



Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XX/XX/year> I filed for XXXX XXXX XXXXXXXX XXXX XXXX XXXX updated my credit files immediately reflecting the new XXXX  info, but Equifax did not. I contacted Equifax and requested to speak with a supervisor to find out why my Equifax credit report was not reflecting the XXXX  info. The supervisor told me that because I was not paying for premium services monthly that I could not get up to date credit updates and that I had to wait until my file updated that he was not going to going into the system to add the XXXX  that it will update soon. I asked if that was the normal process and he again told me that I was not paying for a monthly service and that thats the way it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed 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

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The appearance of public records on my credit report, which I have no association with, is deeply concerning. I implore you to take immediate action to address and correct this situation.

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 2025-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: VA

Complaint narrative:
Request for Correction of Duplicate Student Loan Account on Credit Report I am writing to formally dispute inaccurate information that appears on my credit report. Specifically, my student loan account is being reported twice, creating a duplicate entry that is negatively impacting my credit score. 
Account Name/Servicer : MOHELA Account Name : XXXX XXXX XXXX Duplicate Entries Reported On : XXXX Both entries represent the student loans, but they are listed as separate accounts. This duplication gives the false impression that I have more debt than I do.

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information they report is accurate. I kindly request that you investigate this matter and remove the duplicate entry as soon as possible.

I request that you notify me in writing once the correction has been made and that my credit report be updated accordingly.

Thank you for your prompt attention to this matter.

Company response to consumer: Untimely response