vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: OR

Complaint narrative:
Around XXXX or XXXX i recived a letter claiming a debt was owed from ACI LLC for a paypal account for {$1900.00}. It was claimed this debt was owed since XX/XX/year>. However, I thought this letter may have been just a scam because it used a nickname I use online and not my actual legal name. An account number for the XXXX account was provided. However, XXXX accounts do not use account numbers. They are only identified by emails according to XXXX own FAQ. 

I have a XXXX account but only 1 and it is under my legal name. XXXX accounts require to be under your legal name and they dont allow multiple accounts to be held by a single person. My actual account is in good standing and never held a negative balance. I have not made any large purhases around XX/XX/year> or any in general even near the large debt listed of {$1900.00}. I had contacted paypal about this and they had me email a photo of the letter to their fraud department and i assumed they would take care of it. Evidently they did not since i am still getting texts about this debt that i dont owe. I forwarded XXXX text sent to me but XXXX has still not adressed this themselves. 

I went through XXXX since there are a lot of websites with the ACI LLC name. I am unable to tell which is the actual company website or which is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} 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,, 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 2025-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been unable to use XXXX services through Regions Bank since XX/XX/XXXX. The last transaction I was able to make was an outgoing transaction in the amount of {$250.00}. On or around XX/XX/XXXX I was made aware that I was unable to receive XXXX payments. At some point in XX/XX/XXXX, I attempted to send a XXXX transfer and received the following message : " For security reasons, weve restricted your access to this service. Call ( XXXX ) XXXX to resolve the issue. '' I contacted the phone number which was to Regions Bank. I was told I would need to go into a Branch to confirm my identity. Upon going into a branch, shortly thereafter, I was told a ticket was opened and my access would be restored within a few hours or by the next day at the latest. Several days passed without access to XXXX before I received a call from the Branch informing me that ticket was closed and XXXX could not be restored. They were unable to give me a reason as to why. I called the phone number above again, and was to told the XXXX access had been permanently restricted and they would ot be able to give me a reason why, citing that XXXX is a 3rd party provider and had made the descion to restrict the account. I have been using XXXX for several years and have not changed my usual activity. It seems that the restriction was unfounded.

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 2025-09-02 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: FL

Complaint narrative:
I filed a dispute with TransUnion on XX/XX/XXXXXXXX  regarding an account furnished by XXXX. 
I provided proof of payment showing this account was paid in full. Despite this, TransUnion continues to report : An outstanding balance An unpaid status My dispute as verified as accurate This is inaccurate and damaging my credit. 

I made multiple attempts to resolve this with both companies before contacting the CFPB : On several occasions, I escalated my dispute through TransUnions secure messaging and chat ( screenshots attached ). 
I provided proof of payment multiple times. 
I repeatedly requested escalation to a supervisor and was provided a reference number confirming escalation. 
TransUnion gave contradictory timelines : Wait up to 30 days Expect a callback in 72 hours We can not tell you when it will be resolved Finally, TransUnion sent me a direct link to file a CFPB complaint rather than resolving the issue. 

Despite escalating on XX/XX/XXXX, no updates or corrections have been made. 

XXXX is violating FCRA 623 ( a ) by failing to report accurate information despite proof of payment. 
TransUnion is violating FCRA 611 ( a ) by failing to conduct a reasonable investigation and mishandling the dispute process.

I request : 1. Immediate correction of this tradeline to show a {$0.00} balance and paid status OR full deletion of the tradeline across all credit bureaus.

2. Written confirmation of the resolution provided to me and all CRAs. 

I have made every good-faith effort to resolve this directly with XXXX and TransUnion before involving the CFPB. 

Despite providing clear proof of payment showing this account was paid in full, TransUnion continues to report an incorrect balance and status. My dispute was closed as verified, and the account remains inaccurate despite multiple escalations and a provided reference number. 

TransUnion has repeatedly given contradictory timelines, failed to conduct a reasonable investigation, and even redirected me to the CFPB rather than resolving the issue. 

I respectfully request that the CFPB compel XXXX  to report accurate information in compliance with FCRA 623 ( a ) and require TransUnion to fulfill its duty under FCRA 611 ( a ) by correcting or deleting this tradeline across all credit bureaus. 

I am attaching 17 labeled exhibits documenting every step of this process, including proof of payment, screenshots of escalation attempts, and ongoing inaccurate 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 non-monetary relief
Consumer complaint received 2025-08-29 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. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-08-29 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: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BKPT CT IL XXXXXXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( US BKPT CT IL XXXX ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-08-29 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: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-29 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: MN

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-02 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: Ocwen Financial Corporation
State: AL

Complaint narrative:
I am submitting this complaint regarding PHH Mortgage due to their negligence and lack of accountability throughout my mortgage assistance process. 

I was informed that my account carried a special status and was assigned an account representative, XXXX. However, from the start, communication has been extremely poor. I am routinely placed on long holds, only to be told that I must speak exclusively with XXXX yet he has been unresponsive and dismissive of the seriousness of my situation. When I requested to be reassigned to another representative, my request was ignored. To this day, I do not know who is managing my account. 

Because of these delays and lack of proper communication, PHH failed to provide timely assistance that could have prevented foreclosure. A payment plan could have been implemented before the foreclosure process became active, but PHHs inaction and lack of support led directly to an unfavorable outcome for me. 

PHH advertises mortgage assistance and customer support as part of its services, but my experience demonstrates otherwise. The company has not shown any real intent to help customers in need, and its practices have left me without the fair options I should have been provided. 

I respectfully request the CFPBs intervention to review PHHs handling of my account and their mortgage assistance practices to ensure that customers like myself receive fair treatment and genuine support. 

I do not have requested information such as who handles my account and my original mortgage note.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

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

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 2025-08-29 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:
In XX/XX/XXXX I had my identity stolen and had fraudulent charges on some of my accounts on my XXXX XXXX  credit I had several fraudulent charges that I did report to XXXX XXXXXXXX about my two accounts and did police report and file with CFPB and FTC in the following year when I realized that XXXX XXXX  and credit bureau Tranuion and Equifax and Experian are not acknowledging my fraudulent activity and have reported it as charged off. I have disputed with all credit bureau and XXXX XXXX over and over again they won't remove the charge off when they are from fraudulent charges due to identity theft and fraud and have sent documents to all of them. XX/XX/XXXX Every time I dispute these charge offs they reopen the closed account and I have to report again to close it so it shows its aging all over again. This has been hurting my credit as it goes up and down and im unable to regain anything in life from the identity theft because everything is going against me as a charge off and not paid because I was told by XXXX XXXXXXXX that they would have the account closed due to fraudulent charges and I wouldn't be held responsible and I have tried everything past 2 years and XXXX XXXX denies it and all 3 credit bureau wont stop reporting every month that its a charge off account hurt me to establish new credit. I won't these accounts removed from my 4 credit reports and not report as charged off anymore.

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