vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-09 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
SUNRISE CREDIT SERVICES XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX NY XXXX Subject : Debt Validation Request under 15 U.S. Code 1692g To Whom It May Concern, I am writing in response to a collection notification received on XX/XX/2025, regarding an alleged debt referenced as account number XXXX. 
This is not a refusal to pay, but a request for validation of the debt, as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Please treat this letter as a formal request for the following information : 1. The name and address of the original creditor ; 2. The amount of the alleged debt, including a breakdown of any fees, interest, or charges ; 3. Copies of any documents bearing my signature showing my responsibility for the debt ; 4. Verification that you are legally authorized to collect debts in my state ; 5. A copy of the judgment ( if applicable ).

Please also be advised that under 15 U.S. Code 1692g ( b ), you are required to cease all collection activity until the debt has been properly validated. This includes reporting the debt to credit bureaus.

I request that all communication with me be in writing and sent to the address listed above. If you do not validate this debt, or fail to respond within 30 days, you must cease all collection efforts and remove any negative information from any credit reporting agencies you may have notified.

This company did not provide the requested documentation. I was sent a notice that had copies of old cable company bills. I had never received a bill from that company before and have disputed this item through XXXX multiple times and each time it has come back as verified.

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 2025-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Arivo Acceptance, LLC
State: GA

Complaint narrative:
In XXXX of XXXX I defaulted on a car loan. I received a debt collection letter saying that after the car was repossessed that I still owed XXXX. As of XX/XX/XXXX, I figured I would settle the debt but after reading the consent judgment, the amount is not adding up. According to the consent judgment, in XXXX of XXXX I owed XXXX, plus interest from XXXX of XXXX to XX/XX/XXXX, the total is XXXX. That means when the debt collection letter was sent, a year worth of interest was already added. Plus attorney fees and court fees. Even though they have threatened to sue me and take my assets multiple times. I have yet to see a court document or a court room. Other than the consent judgment. ( That was just made. ) The original loan was for XXXX. After selling the car for XXXX and making XXXX in payments, I still owed XXXX. That just doesnt sound right at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: NC

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-09 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I demand their blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XXXX, I refinanced a mortgage through XXXXXXXX XXXX Within approximately 30 days, the note was purchased by Nationstar Mortgage ( also known as Mr. Cooper ), without any formal disclosure or verification to me. In XX/XX/XXXX, Nationstar then sold or assigned the mortgage to XXXX and/or The XXXX XXXX. However, the official transfer of mortgage and assignment was not legally recorded until XX/XX/XXXX over a year later. 

Only 15 days after the recorded transfer, XXXX initiated a foreclosure action, despite the assignment chain being clouded, improper, and unverified. I issued formal affidavits, notices, and conditional acceptance to Nationstar and their agents, demanding proof of lawful standing, the original note, chain of title, and debt validation under penalty of perjury. These notices were not rebutted. 

No sworn statements were received, and no lawful validation was provided. Nationstar 's conduct including the rapid sale after purchase and the delayed recording of assignment has contributed to an unlawful foreclosure process initiated without proper authority or clear ownership. My perfected UCC lien and unrebutted affidavits establish my commercial position. This matter remains unresolved despite multiple filings and notice to all parties, including prior CFPB outreach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: WI

Complaint narrative:
I received a letter in XX/XX/year> stating that I am accruing interest on my loans though the interest is 0 %. I tried to call the provider but the hold times are insane and when you get ahold of someone they don't have a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: CO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-06-09 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: CO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXXXXXX 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 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-09 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XX/XX/XXXXXXXX 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report and found several inaccuracies on my account. These hard inquiries are affecting my ability to obtain credit. Here are the following Hard inquires I would like you to verify is accurate : 1. XXXX XXXX, dated : XX/XX/XXXX 2. XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX 3. XXXX XXXX XXXX, Dated XX/XX/XXXX 4. XXXXXXXX XXXX XXXX, Dated : XX/XX/XXXX 5. XXXX XXXX, Dated : XX/XX/XXXX 6. XXXX XXXX, Dated : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: KY

Complaint narrative:
I am a victim of identity theft. Accounts and inquiries have appeared on my credit reports that I did not open or authorize. I am requesting these fraudulent items be investigated and removed. 

XXXX XXXX / {$1500.00} from XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} from XXXX XXXX XXXX XXXX {$1.00} from XXXX XXXX XXXX {$300.00} from XXXX I have filed a police report about this aw well!

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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I am disputing the collection account listed as Cavalry Portfolio Services for {$3200.00}. This account is currently the subject of an active legal dispute and pending private arbitration, filed in XX/XX/year> under a binding arbitration clause from the original creditor, XXXX. 

I request that this account be investigated and temporarily suppressed or removed from my credit report while the matter is being adjudicated. The amount is disputed in full and has not been validated. I have attached supporting documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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 insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Longbridge Financial, LLC
State: AZ

Complaint narrative:
XXXX XXXX will not let me refi my reverse mortgage because they state that I owe more than I have equity. That is not true, there is equity in my home ( aprox {$100000.00} ) and I only am requesting $ XXXX XXXX from it. This company is impossible to deal with and I have reported them to the Inspector General of FHA. Re f # XXXX. I am an XXXX XXXX XXXX widow of a XXXX XXXX XXXX Veteran ( Denied his XXXX benefits by VA ) and have only taken out $ XXXX of equity when we first did the RM. By law I am not allowed to rent this property and I am unable to take out equity so how am I to survive and maintain the property. I am totally desperate living on a total of {$16000.00} 2025 Social Security. A Reverse Mortgage is the most perverse and obscure form of loan and an unscrupulous broker failed to explain the details and negatives before my husband died otherwise I would never have pursued it, Consumers need to be made more cognizant before signing. I am grateful for any help you can give me. XXXX XXXX XXXX ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
I am filing a formal complaint against XXXX XXXX for reporting a late payment on my XXXX XXXX XXXX XXXX account that I believe is inaccurate and a result of mishandling during a servicing transfer. 

I originally had the account through XXXXXXXX XXXX and had auto-pay set up. XXXX XXXX later took over servicing the account but never notified me via mail or email of this transition. I was unaware of any change and made a purchase believing that my existing auto-pay with Comenity was still active. 

I only became aware of the issue when I saw a late payment reported on my credit report. I immediately sent a certified dispute letter to XXXX XXXX, requesting documentation proving they had mailed me a billing statement or provided any notice of the account transfer. They have failed to respond. 

I also filed multiple disputes with the credit bureaus ( XXXX XXXX and Experian ), and despite explaining the situation in detail and providing documentation, the late payment remains on my reports after months of disputing. 

I believe XXXX XXXX is in violation of the Truth in Lending Act ( XXXXILA ) for failing to notify me of the servicing change and/or send required billing statements. They may also be in violation of the Fair Credit Reporting Act ( FCRA ) for continuing to report inaccurate information without proper investigation or verification. 

This issue has caused significant damage to my credit and financial standing. I respectfully request that the CFPB assist in resolving this matter and that XXXX XXXX be compelled to provide proof of notification, correct the reporting error, and be held accountable for any violations of federal consumer protection laws.

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