vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
I am filing a formal complaint against Experian, Equifax and TransUnion for failing to maintain accurate, fair, and verifiable information on my credit report. I submitted a detailed dispute regarding several inaccurate and unverifiable negative entries. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Experian is required to conduct a reasonable investigation and remove any unverifiable or inaccurate information within XXXX  days. 
In addition to these violations, Experian has a documented history of misleading practices. Specifically, on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) fined Experian {$3.00} XXXX for misleading consumers by marketing credit scores that were not used by lenders. This prior enforcement action is evidence of XXXX pattern of misrepresentation and failure to ensure accurate reporting. 
I am requesting the CFPB to investigate Experian for : Failure to properly investigate disputed accounts Continued reporting of negative items without sufficient verification Violation of FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ) Prior deceptive practices confirmed by CFPB enforcement These inaccurate entries are negatively impacting my creditworthiness and financial well-being. I request your assistance in holding Experian accountable and ensuring compliance with federal consumer protection laws. 

XXXX. XXXX XXXX account XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX account XXXX  XXXX XXXX. XXXX XXXX XXXX account XXXX  XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXaccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
I am filing a formal complaint against Experian, Equifax and TransUnion for failing to maintain accurate, fair, and verifiable information on my credit report. I submitted a detailed dispute regarding several inaccurate and unverifiable negative entries. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Experian is required to conduct a reasonable investigation and remove any unverifiable or inaccurate information within XXXX  days. 
In addition to these violations, Experian has a documented history of misleading practices. Specifically, on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) fined Experian {$3.00} XXXX for misleading consumers by marketing credit scores that were not used by lenders. This prior enforcement action is evidence of XXXX pattern of misrepresentation and failure to ensure accurate reporting. 
I am requesting the CFPB to investigate Experian for : Failure to properly investigate disputed accounts Continued reporting of negative items without sufficient verification Violation of FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ) Prior deceptive practices confirmed by CFPB enforcement These inaccurate entries are negatively impacting my creditworthiness and financial well-being. I request your assistance in holding Experian accountable and ensuring compliance with federal consumer protection laws. 

XXXX. XXXX XXXX account XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX account XXXX  XXXX XXXX. XXXX XXXX XXXX account XXXX  XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXaccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX account 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 2025-04-11 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:
I recently reviewed a copy of my credit report and I found some inaccuracies that relate to my account. This account is impacting my ability to obtain credit. I believe you will investigate the account to make sure it is accurate. Here is the account that I am asking you to verify : I am demanding a deletion of the following account. XXXX XXXX acct # : 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 2025-04-11 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: GA

Complaint narrative:
In XXXX, I requested a loan modification for hardship assistance to help after a XXXX  XXXX  that left me unable to work for a month. Throughout XXXX, XXXX, and XXXX I had to repeatedly contact the mortgage company to get updates about the request to which they would only give me updates on more things they needed when I reached out, not until then. There were no updates unless I contacted them. 
In XXXX, they approved a loan modification that dropped the payments from {$1200.00} to {$1100.00} per month for a three month trial period. I did not want this modification, but I was automatically opted into it without an easy way to opt out. Their online payment system was locked down for me, and I was now only allowed to make payments through the phone system, which only allowed for {$1100.00} payments. I made a payment on XX/XX/XXXX in the amount of {$1100.00} that was received by the the mortgage company on the same date. They did not apply the balance but instead kept it in an " unapplied balance '' area. On XX/XX/XXXX, I made another payment in the same amount. At this same period, they had declared my XXXX payment was over a month overdue and then applied approximately {$100.00} from the XXXX payment to the XXXX payment to bring it up to my original due amount of {$1200.00}, not the modified loan amount. The remainder of the XXXX payment was put into the unapplied balance area where it has remained. I have contacted them multiple times regarding this issue. 

On XX/XX/XXXX, I contacted them once again where I was told in the same phone conversation that my payment was on time and correct and that my payment was a month overdue. I spoke to another agent who gave me an ID of XXXX who told me that I needed to call again later in the week but that my payments should correct and up to date in the system before I called back. As of today, XX/XX/XXXX, they are still not. The {$1000.00} from my XXXX payment that was left after they moved part of it is still in the unapplied balance, and the system says that my payment is over 40 days overdue. I received a letter stating that my account was in default as well because of this. 

Throughout this, there has been little to no communication on their side. They have reported late payments that were not actually late which has then effected our credit score causing other credit companies to close out accounts because of their fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates HAS NOT provided me with the documentation that I requested in reference to case number XXXX. 

I have attached the latest response from Portfolio Recover dated XX/XX/year>. They have yet to provide with proper debt validation verification. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -BREAK -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I asked Portfolio Recovery for the folowing specific details concerning alleged debts that they contacted me about : Dear Collector : I am writing in response to your letter dated XX/XX/year>. I am disputing this debt. I do not owe what you say I owe. As you should know, any attempt to collect an unvalidated debt violates the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt and provide me with the following documentation : The full name and address of the original creditor. The date on which the alleged debt was incurred. The service or merchandise provided for the debt. A copy of the applicable contract giving rise to the debt. Proof that you are licensed to collect debt in Maryland. Verification or a copy of any judgment against me. The last four digits of my Social Security Number. My full name and address at the time the debt was allegedly incurred. A copy of the underlying account statement and other written validation of the debt. A summary of any payment history on the debt, including proof of last payment on the debt. A full itemization of the debt, including a breakdown of the total principal, interest, fees, and any other charges. Until it is validated, your information concerning this debt is assumed to be inaccurate. If you have reported this debt to any credit-reporting agency or Credit Bureau , you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. If you do not own this debt, you must immediately send a copy of this letter to the original creditor to alert them that I dispute the debt. Should you pursue a judgment without validating this debt, I will file an Answer requesting dismissal without prejudice based on your violations and failure to comply with the FDCPA. Be advised that I will report any violations of the law to the ( your state ) Attorney General and the Federal Trade Commission. In addition, I am requesting that all correspondence to me be initiated via USPS Postal Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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:
Today, I came across some false accounts on my credit report, and Im unsure why theyve appeared. I checked as I normally do, but this time something was off. After refreshing the browser to see if it was a glitch, nothing changed. Due to this issue, Im requesting a thorough review of the documents Ive submitted to make sure this doesn't happen in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. 
Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to block and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX ( Original Creditor : XXXX XXXX ) XXXX {$9900.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
This morning, I found some incorrect accounts listed on my credit report, and I don't understand how they got there. I routinely check my credit report, but this time I noticed unexpected discrepancies. I even refreshed the browser thinking it might be a temporary glitch, but the accounts were still there. Because of this, Im requesting a careful review of the documents I submitted to help ensure this doesnt happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: 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 non-monetary relief
Consumer complaint received 2025-04-11 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I am writing to dispute unauthorized hard inquiries that appear on my credit reports. I did not authorize these inquiries, nor have I received any contract, application, or documentation demonstrating permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

I previously submitted formal disputes and inquiries to all three major credit reporting agenciesExperian, Equifax, and TransUnionrequesting that they investigate and verify the legitimacy of these inquiries. Not only did I receive no timely or adequate response, but the credit bureaus also failed to provide the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

Under the doctrine of estoppel by silence ( Engelhardt v. Gravens, 281 S.W. 715, 719 ), silence in response to a rightful demand for information is taken as an admission. Since no documentation has been provided and no method of verification has been disclosed, I presume : No proof of authorization exists No valid permissible purpose was present These hard inquiries were made in violation of the FCRA At this point, the continued reporting of these inquiriesafter failure to verify or provide the method of verificationconstitutes willful noncompliance under 15 U.S.C. 1681n and is grounds for legal action and regulatory complaints. 

See below : Experian XXXX. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX  XXXX Date of inquiry : XX/XX/XXXX Equifax XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Transunion XXXX. 
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 2025-04-11 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 have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian, TransUnion, and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provider evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where all three neither corrected or removed my disputed items despite the evidence I provided " My personal and financial information was compromised without my authorization. XXXX protects the confidentiality of student records. The breach violates the contract and renders it null and void. '' I am requesting immediate corrective action to remove or amend the disputed accounts, as all three credit bureaus violates federal law and my rights as a consumer.

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 2025-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive because they did not comply with error resolution requirements under the electronic fund transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-11 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:
Earlier today, I noticed several unfamiliar accounts on my credit report, and I have no idea how they got there. I routinely monitor my report, but this time there were strange discrepancies. I attempted to refresh the browser thinking it could be a glitch, but the errors didnt go away. As a result, Im asking that the documents I submitted be carefully reviewed so I can have peace of mind moving forward.

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