vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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 disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly 15 U.S.C. XXXX, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. XXXX ( b ). The reporting of unauthorized data also breaches 15 U.S.C. XXXX, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXX/XX/XXXXe 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 2025-11-26 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:
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 explanation
Consumer complaint received 2025-11-26 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:
The disputed record fails to accurately represent my documented financial behavior. Please investigate and update the information accordingly.

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 2025-11-26 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I am filing this complaint because XXXX continues to report inaccurate, unverifiable, and incomplete information to the credit reporting agencies, despite previous disputes submitted through the credit bureaus. The information being furnished is harming my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ) and applicable Florida consumer protection laws. 

XXXX is reporting past-due balances, XXXXday late payments, and a suspended credit line, none of which have been validated with proper documentation. The credit bureaus have informed me that XXXX verified the information, yet XXXX has never provided evidence, records, statements, or documentation supporting the negative reporting. 

Upon submitting multiple disputes, XXXX failed to conduct a reasonable, good-faith REINVESTIGATION, which is required under FCRA XXXX ( b ). The information being furnished remains inconsistent, unverifiable, and damaging. 

Federal Law Violations FCRA XXXX ( a ) : XXXX is reporting information that is inaccurate and can not be verified. 

FCRA XXXX ( XXXX ) : After receiving notice of my disputes from the credit bureaus, XXXX failed to : Conduct a lawful REINVESTIGATION, Provide verification of the disputed information, Correct or delete unverified data. 

FCRA XXXX ( b ) XX/XX/XXXX information caused the credit bureaus to publish data that is not maximum possible accuracy. 

Unfair and Deceptive Acts and Practices ( XXXX XXXX ) : Continuing to furnish inaccurate and unverified data is deceptive, harmful, and unlawful. 

Florida State Law Violations XX/XX/XXXX ( Florida Deceptive and Unfair Trade Practices Act ) : XXXX reporting of false and unverifiable account information constitutes unfair and deceptive conduct. 

Florida Consumer Collection Practices Act ( XXXX ) : By misrepresenting the character and amount of alleged debt and reporting unverified delinquencies, XXXX contributed to violations of Florida consumer protection laws. 

Defamation & Negligence : Publishing false derogatory information has caused reputational and financial damage. 

Consumer Harm XX/XX/XXXX continued furnishing of inaccurate information has resulted in : Lower credit scores, Credit denials, Increased interest rates, Emotional distress, Reputational harm. 

Despite multiple disputes, XXXX has not provided any supporting documentation to justify the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: eCon Credit LP
State: IL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Metro 2 compliance standards regarding the alleged collection account for {$3800.00}. 
First, I never received any written notice of this debt within XXXX days of initial contact as required under FDCPA XXXX ( a ). This account simply appeared on my credit report without prior notification, which is illegal. Additionally, I have requested full validation from this company, and it has been well over XX/XX/XXXX days with no response, no validation, and no documentation sent to me. 
A bill, invoice, or statement is NOT verification under FDCPA XXXX ( b ). 
Here is what is legally required to validate a debt, and NONE of this has been provided : The original signed contract or application with my signature The complete itemized accounting showing how the balance was calculated Proof of assignment/chain of custody from the original creditor to Nationwide Documentation showing Nationwide has the legal right to collect All records used to verify and report this account to the credit bureaus Nationwide has failed to provide any of these required documents. 
Despite my dispute, Nationwide continues attempting to collect and continues furnishing this account to the credit reporting agencies, which is a violation of : FDCPA XXXX ( XXXX ) reporting inaccurate information FDCPA XXXX ( b ) continued collection activity without validation FCRA XXXX ( b ) failure to ensure maximum possible accuracy FCRA XXXX ( a ) ( XXXX ) ( A ) failure to investigate disputes Metro 2 furnishing information that is not fully verified This account is unverified, unsubstantiated, and illegally reported.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 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:
I am writing to dispute the following accounts and inquiries on my credit file with Experian. These entries are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX ( XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Bank XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} Inquiries : XXXX Card ( XXXX ) Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : 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 2025-11-26 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:
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 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Summary of Dispute : Incorrect Loan Balance and Failure to Provide Verified Payment History I am filing this complaint because my federal student loan servicer, Aidvantage, has provided demonstrably inaccurate loan data and has failed to supply a complete, verified payment history, making it impossible to confirm the accuracy of my outstanding loan balance. 

Timeline and Actions : XX/XX/XXXX : I received a notice from XXXX that my loans were paid off. XXXX received my loans as of XX/XX/XXXX. So the fact that I received a notice from XXXX almost 2 months later saying my loans were paid off, I should have a total loan balance of {$0.00}. I received official written notice ( email ) from my previous servicer, XXXX, stating that these loans were Paid In Full. This advice was later ignored or overridden by subsequent servicers. 

Date : XX/XX/XXXX : I first contacted the servicer to dispute the outstanding loan balance, which appeared incorrect. I requested a full, itemized, year-by-year payment history for my loans. 

XX/XX/XXXX : The servicer provided documentation, claiming it was the complete payment history. However, upon review, this document was fundamentally flawed : The history shows {$0.00} recorded for virtually all scheduled payments since XXXX. 

The servicer 's documentation does not include any record of payments or credits, yet it reports an existing principal balance of {$12000.00}. 

XX/XX/XXXX : I filed a another complaint with the XXXX XXXX XXXX  ( XXXX  ) Feedback Center regarding this data error. The response was they had to reach out to XXXX, one of a handful of servicers my loans have been transferred to. 

XX/XX/XXXX : Received the exact same flawed payment history. The servicer provided no useful explanation, no correction, and did not address the core issue that their own documents show no payments made. 

Conclusion : The company has failed to produce an accurate, verifiable payment record. I am disputing the current loan balance reported by the servicer because the documentation they have repeatedly provided is incomplete and inaccurate. I require a full, accurate, and itemized ledger to confirm that all my payments and credits have been properly applied and that the reported outstanding principal is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX 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 2025-11-26 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I am requesting assistance regarding an issue with my mortgage payment and escrow. 

On XX/XX/year> I spoke with a representative XXXX who provided me with a specific monthly payment amount of {$3000.00} that we mutually agreed upon. I accepted this agreement and adjusted my budget accordingly. 

Soon after, the servicer recalculated my escrow again and increased my payment beyond the amount we discussed. This was done without further explanation or honoring the previous agreement. 

I have contacted the servicer several times and have repeatedly been told that someone would call me back. As of now, I have not received a follow-up call, and the payment issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
I am writing to contest inaccurate information on my credit report in accordance with XXXX5 U.S.C. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. 
As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : XXXX ) XXXX  XXXX XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX ) XXXX XXXX XXXX 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 non-monetary relief