vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: NE

Complaint narrative:
I am writing to formally dispute inaccurate and potentially unverifiable information appearing on my credit report. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I have the legal right to request a complete investigation of any item I believe to be incorrect, incomplete, or not properly verified.

The following charge-off accounts contain data that present inconsistencies, inaccuracies, or lack proper verification. I respectfully request an immediate investigation and, if necessary, the permanent deletion of such accounts. According to FCRA Section 623 ( a ) ( 5 ) : If a credit reporting agency can not validate the information with the original creditor, the account must be deleted from the consumers file. 
Accounts in Dispute : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Upon reviewing the information, I have identified discrepancies among the three major credit reporting agencies regarding these accounts. These inconsistencies include, but are not limited to : Conflicting or contradictory balances Inconsistent dates of last activity Discrepancies in account status closed Inaccuracies in the reported payment history These irregularities negatively affect my credit profile and represent a violation of your obligation to report accurate data. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to conduct a reasonable reinvestigation of any disputed information. If the accuracy of such information can not be verified, you must delete it immediately as provided under 15 U.S.C. 1681i ( a ) ( 5 ).

Furthermore, under FCRA Section 609 ( a ) ( 1 ) ( A ), you must be able to provide physical evidence of the original signed consumer contract for any account you report. Without such documentation, the data may be considered unsubstantiated or even fraudulent. Therefore, I am exercising my rights under the following provisions of the FCRA : Section 611 ( 15 U.S.C. 1681i ) Reinvestigation of dis
puted items Section 609 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681g ) Right to request original documentation Section 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ) Deletion of unverifiable information Section 1681e ( b ) Duty to maintain 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am writing to formally dispute inaccurate and potentially unverifiable information appearing on my credit report. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I have the legal right to request a complete investigation of any item I believe to be incorrect, incomplete, or not properly verified.

The following charge-off accounts contain data that present inconsistencies, inaccuracies, or lack proper verification. I respectfully request an immediate investigation and, if necessary, the permanent deletion of such accounts. According to FCRA Section 623 ( a ) ( 5 ) : If a credit reporting agency can not validate the information with the original creditor, the account must be deleted from the consumers file. 
Accounts in Dispute : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Upon reviewing the information, I have identified discrepancies among the three major credit reporting agencies regarding these accounts. These inconsistencies include, but are not limited to : Conflicting or contradictory balances Inconsistent dates of last activity Discrepancies in account status closed Inaccuracies in the reported payment history These irregularities negatively affect my credit profile and represent a violation of your obligation to report accurate data. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to conduct a reasonable reinvestigation of any disputed information. If the accuracy of such information can not be verified, you must delete it immediately as provided under 15 U.S.C. 1681i ( a ) ( 5 ).

Furthermore, under FCRA Section 609 ( a ) ( 1 ) ( A ), you must be able to provide physical evidence of the original signed consumer contract for any account you report. Without such documentation, the data may be considered unsubstantiated or even fraudulent. Therefore, I am exercising my rights under the following provisions of the FCRA : Section 611 ( 15 U.S.C. 1681i ) Reinvestigation of dis
puted items Section 609 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681g ) Right to request original documentation Section 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ) Deletion of unverifiable information Section 1681e ( b ) Duty to maintain maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, title company submitted a request for the documents. On XX/XX/XXXX, I followed up with the same email, requesting the documents. I received an auto-response saying they are working on it. I, myself as well as my loan office have called customer service multiple times, only to be given the run around. There response is that they do not have access to the information that we are requesting and there is no one available to speak to that does have access. Upon looking on the XXXX website, I have found hundreds of the same complaints filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
for Removal of Unauthorized Hard Inquiries To whom it may concern, I am writing to formally dispute several hard inquiries listed on my credit report. These inquiries were not authorized by me, and I did not give consent for them. Therefore, I am requesting that they be investigated and promptly removed from my credit file. 

Please consider this a formal request under the Fair Credit Reporting Act ( FCRA ) to remove any and all unauthorized inquiries associated with my name and credit profile. 

Thank you for your attention to this matter. I appreciate your prompt response and resolution Onemain XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Capio Partners, LLC
State: PA

Complaint narrative:
Dear Capio Partners, I am contacting you to formally request full and complete validation of an alleged debt you have reported on my credit file, specifically related to XXXX XXXX XXXX XXXX, which is currently listed as a collection account on my XXXX  and XXXX  credit reports, and possibly also on XXXX. The reported balance is {$520.00}. 

This request is being made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). I do not acknowledge or accept responsibility for this debt, and therefore I am exercising my legal right to request : A copy of the original contract or agreement bearing my signature, proving I agreed to the alleged terms of the debt.

A full itemized statement accounting for all charges, payments, interest, fees, and adjustments from the original creditor.

Written evidence of your legal authority to collect this debt, including assignment, transfer, or sale documentation.

Verification that this debt is still legally collectible in the state of Pennsylvania, including your license or registration number ( if applicable ).

The name and address of the original creditor and the date the debt was incurred or charged off.

Until you provide full validation of this debt, you are not legally permitted to continue collection efforts or report this debt to any consumer reporting agency under FDCPA 1692g and FCRA 1681s-2 ( b ).

Furthermore, in accordance with FDCPA 1692c ( c ), I am requesting that you cease and desist from all communication with me regarding this account, other than to provide the required validation or a notice that you have ceased collection efforts.

If you can not or will not provide proper documentation within 30 days of receiving this letter, you must immediately cease all collection activity and request that this account be permanently removed from all credit reporting agencies to which it has been furnished.

This is an attempt to exercise my federal consumer rights. Any further communication or collection activity that violates these rights will be documented and reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XXXX XXXX XXXX, my condo sustained water damage due to a plumbing leak. The initial damage included moisture intrusion affecting the hardwood flooring and some kitchen cabinetry. I took immediate and appropriate action, hiring a remediation company the same day to fully dry the affected areas and prevent mold or structural deterioration. An insurance claim was submitted to XXXX XXXX XXXX, who initially determined the damage would cost approximately {$24000.00} to repair. A general contractor also assessed the damage and estimated the cost to replace the affected flooring and cabinetry at approximately {$58000.00}, not including the additional {$5200.00} in remediation, nor the cost of moving in and out of the property, storing belongings, and short-term housing during a projected 4-week construction period. The insurance company accepted the general contractors estimate, but noted my policy capped at {$50000.00}. They sent a check in that amount, which I forwarded to and has been received by Mr. Cooper, and as of the date of this letter, is being held in escrow. 

Given the full replacement cost is well beyond the insurance coverage, it is not financially or logistically feasible for me to undertake the work at this time. After completing the necessary remediation and certain cosmetic repairs ( including restoration of baseboards and walls ), I evaluated the condition of the flooring and cabinets and determined that the damage remaining was largely superficial and did not warrant full replacement. The unit is currently safe, habitable, and restored nearly to it's pre-damaged state. For this reason, I do not intend to perform a full replacement of the floors or cabinets, and instead wish to preserve the insurance proceeds by applying them directly to my mortgage balance. I notified Mr. Cooper of my intentions verbally and my request in writing on XX/XX/XXXX. To date, Mr. Cooper has refused to issue payment either to me directly or to apply the funds to my mortgage. 

I have done everything they have asked of me, several times over, and yet they continue to move the goal posts every single time. I sent Mr. Cooper a Qualified Written Request / Notice of Error under RESPA on XX/XX/XXXX, requesting they either : 1 ) Written confirmation that the {$50000.00} insurance proceeds will be applied to the principal of my mortgage ; or 2 ) ( A ) A written, specific explanation of any and all remaining requirements or objections you claim must be satisfied before doing so, along with ( B ) a complete copy of Mr. Cooper 's internal servicing guidelines and relevant investor instructions, and ( C ) an accounting of the {$50000.00} held, including date ( s ) deposited, current balance, and any interest earned. As of XX/XX/XXXX Mr. Cooper has done nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XXXX XXXX XXXX I mailed a certified dispute letter to Portfolio Recovery Associates ( PRA ), requesting full validation of an alleged debt. I specifically demanded : ( 1 ) a breakdown of the alleged account and balance, ( 2 ) the name and contact details of the original creditor, ( 3 ) the complete chain of assignment or proof of ownership by PRA, and ( 4 ) all supporting documentation justifying the amount being reported.

To date, I have received no response from PRA. The company continues to report this account on my credit file without providing any of the legally required validation documentation. This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Furthermore, PRAs failure to respond and continued reporting of potentially inaccurate and unverified information may be misleading and damaging to my credit profile. I am requesting CFPB intervention to investigate this matter and require PRA to fully validate the debt or immediately remove the tradeline from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

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 2025-07-23 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Victim of Identity theft and this company insists on violating my rights the company have two accounts with different social security and personal information which is clearly Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: IL

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am filing a complaint against Experian for unlawfully readding a previously deleted account back onto my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ]. The account in question is : Creditor Name : XXXX XXXX  ; Account Number appearing on my experian credit report : XXXX, Date of Original Removal : XX/XX/year> Date of Reinsertion : XX/XX/year> This account was previously deleted following a dispute. However, it was recently reinserted into my credit file without any notification or certification, both of which are required under FCRA 611 ( a ) ( 5 ) ( B ). The law mandates that if any previously deleted information is reinserted, the consumer must be notified within XXXX business days and the furnisher must certify the accuracy of the information before reinsertion. I have not received any notice of this reinsertion nor have I received any proof of certification. This failure is a direct violation of my rights under federal law and has caused reputational and financial harm. Permanently delete the reinserted account from my credit report. Provide written confirmation of the permanent deletion. Send an updated credit report reflecting the correction. Identify the furnisher of the data and their certification, if it was provided. Ensure compliance with FCRA 611 ( a ) ( 5 ) ( B ) 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 explanation
Consumer complaint received 2025-07-23 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: MS

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1700.00} INQUIRIES : XXXXXXXX XXXX  Date : 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 2025-07-24 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:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) to report multiple inaccurate, misleading, and harmful credit entries that are currently being reported by furnishers and credit reporting agencies. These accounts have been damaging to my credit profile, affecting my ability to obtain fair credit and causing emotional and financial hardship. Despite my repeated efforts to dispute and request verification, these accounts remain unresolved and continue to violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I respectfully request the CFPBs assistance in investigating these issues and ensuring that my credit report is corrected as required by law. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$520.00} Chargeoff * * Issue : This account is inaccurately reporting a charge-off status that I believe is either outdated, incorrect, or improperly verified.

Law : FCRA 611, 607 ( b ), and 602 Any item reported must be accurate, verifiable, and complete. A charge-off must be confirmed and supported by documentation upon consumer request. 
Story : I do not recognize the details of this account, and I have not received any notice or validation from the furnisher that supports this charge-off. Reporting such derogatory information without full verification violates my rights and damages my creditworthiness. I am requesting that this account be deleted or fully validated in accordance with FCRA law. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate these matters thoroughly and take appropriate enforcement or corrective action to ensure my rights as a consumer are protected. These inaccuracies have caused serious damage to my credit score and financial wellbeing, and they remain unresolved despite my good faith efforts to communicate with the furnishers and the credit bureaus. I respectfully ask the CFPB to ensure these accounts are properly verified or deleted and to hold the reporting entities accountable for any violations of federal law. I request copies of all findings and results once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

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