vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
I am sending to formally dispute several unauthorized or inaccurate credit inquiries that appear on my credit report. After reviewing my report carefully, I was surprised to find inquiries that I did not authorize, recognize, or initiate. As someone who takes my credit profile and financial security very seriously, these findings have caused me great concern. I have always been diligent about monitoring my accounts, safeguarding my personal information, and promptly reporting any unusual activity. However, these unfamiliar inquiries suggest that my personal data may have been used without my consent, or that an error occurred during the reporting process. 
XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I sent them a letter asking for more information on this debt that I supposedly own!! I wanted anything from the original company that it was I that made the purchase or signed anything with my signature!! They just said in a letter that this was just a duplicate dispute, but they havent responded the first time, they sent me nothing!! They can not show where they tried to help me redress this issue of me owning the debt properly!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Experian on XXXXXXXX XXXX XXXX regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 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 explanation
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
I am submitting my fourth formal dispute regarding multiple unresolved and inaccurate items appearing on my credit report. Despite my previous submissions, I have determined that several reported issues remain unresolved, inaccurately reported, or unverifiable. These ongoing discrepancies continue to misrepresent my true credit history and create a misleading portrayal of my financial reliability.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related provisions of the Fair Debt Collection Practices Act ( FDCPA ), I am demanding a comprehensive reinvestigation of each disputed item listed below. It is your legal responsibility to ensure that all reported information is accurate, complete, and verifiable, or it must be corrected or removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2900.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$880.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, PA 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 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
I am disputing the Caine & Weiner collection account because it is inaccurate and should not be reporting on my credit file. 

I never had any account, agreement, or contract with Caine & Weiner. The alleged debt originated with Progressive Insurance, and I paid Progressive directly my account with Progressive remains open and in good standing. 

Therefore, Caine & Weiner has no valid authority or ownership to report this collection account. Reporting a paid, closed collection is misleading, inaccurate, and damaging to my credit standing. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), XXXX  must verify the accuracy of this account with proper documentation or remove it from my report. 

I request that this account be deleted immediately because it is not a legitimate collection and is falsely associated with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: CA

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I share a checking and savings account with my wife. On XX/XX/year> we were charged {$5200.00} for my wife 's back end child support ( Florida ). We were charged {$4400.00} from savings and {$850.00} from checking. Her mother lended us a few thousand in cash to deposit in the bank so we would be able to pay the bills. On XX/XX/XXXX we were charged ANOTHER {$5200.00} because chase bank WOULD NOT pay the state of Florida. Chase bank and their representatives said the money was " on hold '' but charged us {$5200.00} TWICE. Our account is in the negative, we are missing over XXXX XXXX dollars and we can not pay our bills now and nobody at chase bank would try to help us, we have been to the bank twice and called them twice and have made zero progress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I paid all that was owed and they still have a balance on the card which was disputed because i never authorize any other transaction after paying the balance owed. I don't even have the card in my possession. which i explained to customer service. However they refuse to investigate the claim and remove the charges and fees.

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 2025-10-28 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: MI

Complaint narrative:
My name is XXXX XXXX XXXX. I have submitted several valid disputes to the credit bureaus and they have failed to comply with the Fair Credit Reporting Act. The bureaus have not completed a lawful reinvestigation within the time required by federal law and they continue to report inaccurate and unverifiable information that is harming my credit and my consumer rights. 

The disputed information below remains on my reports with no proof or documentation provided XXXX  XXXX bankruptcy Bankruptcy XXXX  XXXX case number XXXX Incorrect previous address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education accounts with late payment reporting Account ending XXXX Incorrect previous address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These payment histories must be updated to Paid in time or Paid as agreed Charge off reporting XXXX XXXX XXXX account ending XXXX XXXX  XXXX account ending XXXX XXXX XXXX account ending XXXX All linked to the incorrect previous address listed above Incorrect personal information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting as current but is not accurate Unauthorized inquiry XXXX XXXX dated XXXX XXXX XXXX  Additional late payment reporting errors XXXX XXXX  XXXX account ending XXXX XXXX  XXXX account ending XXXX These accounts must also be updated to Paid in time or Paid as agreed These items are inaccurate incomplete or can not be verified as required by federal law. The credit bureaus have failed to provide any documentation to support their continued reporting including the required method of verification. 

FCRA violations include 15 USC 1681i failure to conduct a reasonable reinvestigation 15 USC 1681i a 7 failure to provide the method of verification 15 USC 1681e b failure to ensure maximum possible accuracy

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 2025-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX. I have submitted several valid disputes to the credit bureaus and they have failed to comply with the Fair Credit Reporting Act. The bureaus have not completed a lawful reinvestigation within the time required by federal law and they continue to report inaccurate and unverifiable information that is harming my credit and my consumer rights. 

The disputed information below remains on my reports with no proof or documentation provided XXXX  XXXX bankruptcy Bankruptcy XXXX  XXXX case number XXXX Incorrect previous address XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department of Education accounts with late payment reporting Account ending XXXX Incorrect previous address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These payment histories must be updated to Paid in time or Paid as agreed Charge off reporting XXXX XXXX XXXX account ending XXXX XXXX  XXXX account ending XXXX XXXX XXXX account ending XXXX All linked to the incorrect previous address listed above Incorrect personal information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting as current but is not accurate Unauthorized inquiry XXXX XXXX dated XXXX XXXX XXXX  Additional late payment reporting errors XXXX XXXX  XXXX account ending XXXX XXXX  XXXX account ending XXXX These accounts must also be updated to Paid in time or Paid as agreed These items are inaccurate incomplete or can not be verified as required by federal law. The credit bureaus have failed to provide any documentation to support their continued reporting including the required method of verification. 

FCRA violations include 15 USC 1681i failure to conduct a reasonable reinvestigation 15 USC 1681i a 7 failure to provide the method of verification 15 USC 1681e b failure to ensure maximum possible accuracy

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 2025-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am disputing the accuracy of the late payment reporting for my XXXX XXXX account ( Account # XXXX ). Experian shows that I was 90 days late in XX/XX/year> and 120 days late in XX/XX/year>, but there are no 30-day or 60-day lates shown in XXXX or XX/XX/year>. 

This is factually inaccurate and inconsistent because a 90-day or 120-day delinquency can not occur without prior 30- and 60-day late statuses. I was never late on this account, and XXXX  reporting is incorrect. 

I request that Experian reinvestigate and correct this account immediately by removing the inaccurate late payments and restoring the account to an accurate never late status under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ).

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 2025-10-28 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: CA

Complaint narrative:
I submitted formal disputes to Equifax over 30 days ago regarding accounts that do not belong to me. Along with my disputes, I attached a valid Identity Theft Report as well as proof of my identity, including my drivers license and proof of address. Despite this, Equifax has continued to report these inaccurate and fraudulent accounts on my credit file. This is a clear violation of the FCRA, as they failed to conduct a proper reinvestigation within the required timeframe and to block the fraudulent information as required under Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> CAINE & WEINER XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Debt Validation - Account # XXXX Dear Debt Collector 's Name or To Whom It May Concern, I am writing to request validation of the debt you claim I owe, which was referenced in your communication dated XX/XX/year> I hereby dispute this debt and request that you provide me with written verification of the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation : The exact amount of the debt. 

The name and address of the original creditor. 

Documentation that proves I have a legal obligation to pay this debt, such as a copy of the original contract or agreement bearing my signature. 

Documentation that demonstrates that your company has the legal right and authority to collect this debt. 

Until I receive the requested validation, any collection activity must be ceased. Failure to provide this validation within 30 days of your receipt of this letter will be seen as an admission that your company can not validate the debt, and I will require you to cease all collection attempts and remove any negative reports regarding this debt from my credit file. 

This is not an acknowledgment of liability for this debt. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I was contacted via email by carrington mortgage XXXX XXXX stating she was of contact representative. We were advised that we were approved for a modification, but we never received the documents to review, AFTER. We contacted XXXX XXXX 4 times the we were still waiting for the documents to review she finally emailed them. Upon review of the the documents went found errors that needed corrected before they could be signed. We notified XXXX XXXX immediately. But had no response. We also contacted customer service, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Advise in everyone list the we are still in need of the correct documents. But we never received nor heard from anyone listed We also notified Carrington Mortage and its associates that our ONLY for of communication is email or usps. Due to severe hearing loss and I can confirm distinguish between certain vowels and syllables so I need to see things in writing to comprehend. But to this day they will NOT. Communicate in writing. We also advised XXXX XXXX that my wife was in need of a life sustaining XXXX so she could maintain some quality of life but we could not schedule the XXXX, due to not knowing if they were going to XXXX close on our house since the did not send the modification documentation. We need to know she had the proper recovery time. We did receive a letter stating the modification was canceled. We are considering a lawsuit against Carrington they took away wife wife change of any quality of life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
I am sending to formally dispute several unauthorized or inaccurate credit inquiries that appear on my credit report. After reviewing my report carefully, I was surprised to find inquiries that I did not authorize, recognize, or initiate. As someone who takes my credit profile and financial security very seriously, these findings have caused me great concern. I have always been diligent about monitoring my accounts, safeguarding my personal information, and promptly reporting any unusual activity. However, these unfamiliar inquiries suggest that my personal data may have been used without my consent, or that an error occurred during the reporting process. 
XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/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 2025-10-28 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: CORELOGIC INC
State: VA

Complaint narrative:
FRAUD BLOCK & IDENTITY THEFT NOTICE Date:XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SSN ( Last XXXX Digits ) : XXXX DOB : XX/XX/year> To : CoreLogic XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : URGENT FRAUD BLOCK & IDENTITY THEFT AFFIDAVIT Creditor/Furnisher : XXXX XXXX XXXX Dear CoreLogic Representative , I am formally notifying you that the account being reported by XXXX XXXX XXXX is the result of identity theft and fraud. I did not authorize, open, or receive any benefit from this account. The reported balance of {$6500.00} is fraudulent and must be blocked and permanently removed from all of my credit and consumer reports in accordance with my rights under 15 U.S.C. XXXX ( FCRA Section XXXXB ). 

This account was opened and/or used without my knowledge or consent, and I am the victim of identity theft. Under the Fair Credit Reporting Act, CoreLogic is required to block the reporting of this fraudulent information within XXXX ( XXXX ) business days of receiving this written notice and the supporting documentation attached. 

Please find enclosed my Identity Theft Affidavit and accompanying materials, including a copy of my government-issued ID, proof of current address, and supporting documentation ( such as FTC Identity Theft Report or police report, if applicable ). 

IDENTITY THEFT AFFIDAVIT Victim Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Date of Birth : XX/XX/year> Last XXXX Digits of SSN : XXXX Fraudulent Creditor : XXXX XXXX XXXX Account Number : XXXX Amount : {$6500.00} Balance Reported : {$6500.00} Nature of Request : Fraudulent Account / Identity Theft Block under FCRA XXXX Please send written confirmation once the fraudulent information has been permanently removed and the block has been applied. 

Thank you for your prompt cooperation and compliance with federal law regarding identity theft victims. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA 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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date : [ Insert Date ] XXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX, FL XXXX Subject : Demand for Deletion of Inaccurate and Unverifiable Information To Whom It May Concern : I am writing to formally dispute the accuracy of personal and identifying information contained in my Clarity Services consumer report. Under the Fair Credit Reporting Act ( FCRA ), any information that can not be verified or does not accurately reflect my identity must be deleted or corrected immediately. 

Please be advised that : My only legal name is XXXX XXXX XXXX. 

My only current address is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 

My only phone number is ( XXXX ) XXXX. 

My only employment income is approximately {$85000.00} annually. 

My only valid Social Security Number is XXXX. 

Any other names, addresses, employers, phone numbers, or identifiers listed in my file are incorrect, outdated, or unverified and must be permanently removed in compliance with FCRA 609 and 611. 

Please provide written confirmation once these corrections have been made. If any information remains, supply me with the name of the furnisher, the date it was reported, and documentation proving its accuracy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX DOB XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation