vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this personal statement to document my concerns regarding the security of my personal information and the handling of my data by XXXX  and XXXX  following their recent data breaches. As a consumer whose sensitive information is entrusted to these credit reporting agencies, I am deeply concerned about the exposure of my personal, financial, and identifying data without my consent. 

The credit bureaus collect, maintain, and distribute my personal information, and I reasonably expect them to safeguard it in accordance with federal privacy and consumer protection laws. The breaches involving XXXX  and XXXX  represent a failure to protect my data, and this has created a significant risk of identity theft, unauthorized inquiries, and other fraudulent activity that may impact my credit profile. 

As a result of these security failures, I am experiencing ongoing concern regarding : The unauthorized access and potential misuse of my personal information The accuracy and integrity of the data reported on my credit file The lack of sufficient notification, transparency, and corrective action taken by the credit bureaus The long-term risk associated with compromised Social Security, financial, and identifying information I am requesting that the CFPB review this matter and ensure XXXX  and XXXX  comply with all federal responsibilities, including safeguarding consumer data, providing accurate reporting, and taking appropriate measures to remediate the harm caused by their data breaches.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/year> National Credit Systems Re : Formal Debt Validation Request Account No : XXXXXXXX XXXX XXXX  To Whom It May Concern : Lets streamline this engagement : Im initiating a formal compliance checkpoint under federal consumer law. Before anyone talks collections, reporting, or pressure tactics, Im requiring full validation of the alleged debt connected to account XXXXXXXX XXXX XXXX 
Under 15 U.S.C. 1692g ( b ) of the FDCPA, all collection activity must pause until you deliver complete validation not summaries, not screenshots, but actual source-level documentation. 
Provide the following, with precision and completeness : XXXX. Proof of Ownership & Authority - The original contract, lease, or agreement bearing my signature. - Full chain of assignment from the original creditor to National Credit Systems. - Evidence that you have the legal right to collect in the State of XXXX. 
XXXX. Itemized Accounting - A complete breakdown showing principal, interest, late fees, collection fees, and any other charges. - A full payment history from the start of the account. 
XXXX. Original Creditor Details Required under 1692g ( a ) ( 5 ) : - Name, address, and verification from the original creditor. - Proof this account is correctly attributed to me. 
XXXX. FCRA Compliance Requirements If you have reported, are reporting, or plan to report this account, your obligations under the FCRA include : - 602 ( A ) Information must be accurate. - 607 ( b ) You must maintain procedures ensuring maximum accuracy. - 623 ( a ) ( 3 ) You may not furnish data you know or should know is inaccurate. - 609 ( a ) ( 1 ) I am entitled to all data youve furnished to any credit bureau. - 611 You must investigate disputes properly. If you can not validate this debt with full documentation, you must delete the account from all credit bureaus immediately. 
XXXX. Cease Collection Activity Per 1692g ( b ), until proper validation is supplied, you must cease : - Calling - Emailing - Mailing notices- Updating or reporting the account - Selling or transferring the account XXXX. CFPB Expectations All documentation must be : - Accurate - Complete - Verifiable - Derived from original source records XXXX. Timeline & Next Steps You have XXXX  days to deliver the required documentation. If you fail to comply or continue collection efforts without validation, I will escalate with formal complaints to : - The CFPB - The FTC - The Texas Attorney General and pursue all remedies available under FDCPA and FCRA. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Westlake Services, LLC
State: IL

Complaint narrative:
XXXX inquiries that reporting on my credit that authorize.

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 2025-12-02 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: VA

Complaint narrative:
Could you review this entry? It might be late and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$29000.00} Date XXXX Date of Last XXXX late 30 days XXXX XXXX not reported in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late 30 days XXXX XXXX not reported in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX, late 60 days XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late 30 days XXXX XXXX not reported in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$4000.00} Date Opened : XX/XX/XXXX Date of Last XXXX late 30 days XX/XX/XXXX, XXXX, XX/XX/XXXX, late 60 days XXXX, XX/XX/XXXX, late 90 days XXXX, XXXX late 120 days XXXX, XXXX XXXX up to open account/ not reported in EX and TU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$29000.00} Date XXXX Date of Last XXXX late 30 days XXXX XXXX not reported in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late 30 days XXXX XXXX not reported in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX, late 60 days XX/XX/XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : {$0.00} Date XXXX Date of Last Activity : XX/XX/XXXX late 30 days XXXX XXXX not reported in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$4000.00} Date Opened : XX/XX/XXXX Date of Last XXXX late 30 days XX/XX/XXXX, XXXX, XX/XX/XXXX, late 60 days XXXX, XX/XX/XXXX, late 90 days XXXX, XXXX late 120 days XXXX, XXXX XXXX up to open account/ not reported in EX and TU

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 2025-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is currently reporting XXXX remaining negative account on my credit report XXXX XXXX XXXX account # XXXX ( charge-off {$15000.00} ) without lawful verification and has failed to conduct a reasonable investigation as required under federal law. 
I submitted a formal dispute and CFPB complaint requesting proper verification of this tradeline pursuant to FCRA 611 ( a ) ( 1 ) and FCRA 611 ( a ) ( 7 ). Instead of responding to the merits of my dispute, Equifax issued a generic stall response claiming they can not process the investigation until I mail additional identity documents to a PO Box . This position is legally improper. Equifax is already reporting my personal identifying information and tradelines to third parties, which demonstrates that my identity has already been verified to a sufficient extent to publish a consumer report. They can not simultaneously claim they are unable to verify my identity while continuing to furnish my credit data to lenders. 
Under FCRA 611, Equifax has a statutory obligation to conduct a reasonable investigation once a dispute is submitted not condition their compliance on placing additional procedural barriers on the consumer or delaying investigations beyond the legal timeframe. 
Equifax failed to provide : Any method of verification for XXXX XXXX XXXX as required by FCRA 611 ( a ) ( 7 ) Any description of documents reviewed Any proof of contractual liability Any verification of account ownership, chain of assignment, or furnishing authority Any Metro 2required account substantiation Merely instructing the consumer to mail documents does not satisfy the legal requirements for a reinvestigation response under the FCRA and constitutes a non-responsive stall tactic designed to avoid compliance while maintaining harmful credit reporting. 
Violations : Equifaxs conduct constitutes multiple violations of federal consumer protection law : FCRA 611 ( a ) ( 1 ) Failure to conduct a reasonable investigation FCRA 611 ( a ) ( 7 ) Failure to provide the required method of verification FCRA 623 ( a ) Reporting unverified or potentially inaccurate information Metro 2 Reporting Violations, including failure to verify : Original signed contract Proof of consumer liability Accurate charge-off date Itemized accounting of the reported balance Ownership and furnishing authority Chain of assignment documentation CFPB Complaint Closure Misconduct Equifax improperly closed my CFPB complaint as Closed with explanation despite never performing any reinvestigation or addressing the disputed account itself. They simply issued an identity verification form response while continuing to report the charge-off tradeline. This falsely represents complaint resolution to a federal regulator and constitutes bad-faith handling of a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: LA

Complaint narrative:
I contacted Discover about a XXXX time XXXX  day derog to see if it could be removed and they told me no. And told me about program they offered to help customers get back on track. So I entered into the program and made the payments timely and they reported me late XXXX more times even though I made the required monthly payment through the program. And I called them and asked how come they did not disclose that if I didnt make the full monthly payment I will be reported late. I explained that I would have never entered into the program if they told me that from the beginning my credit score dropped XXXX points because of this. I told them to take me out of the program and I have been making my monthly payments since then. But the XXXX derogatory have adversely impacted my credit score and I filed complaint with them about the program and no one has contacted me about it yet and its been almost XXXX months

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: TX

Complaint narrative:
MOHELA placed me in the wrong repayment plan, gave misleading information, failed to process payments correctly, and did not provide accurate repayment guidance. These issues are consistent with allegations in ongoing investigations and lawsuits. I also attended for-profit cosmetology schools that misrepresented program value, which caused me to take out loans under false pretenses.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 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: VA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-02 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: VA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-02 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
On XX/XX/year> inaccurate and false information was furnished to credit reporting agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
Cross country Mortgage Company is my previous home loan I did a XXXX  XXXX to lower interest rates with a different loan company XXXX XXXX XXXX. Either XXXX or XXXX XXXX XXXX messed up the paperwork process. Because my previous company did not accept the payoff payment and kicked it back XXXX    months later. The new loan closed with independence home loans and my mortgage is also with another company. XXXXXXXX XXXX XXXX. 
Ive called all XXXX companies trying to get a resolution and they are both saying that they are not at fault and I the homeowner has to come out of pocket for the new funds as of today XX/XX/year> The amount owed {$4100.00} until tomorrow when it will continue to accrue interest. 
Tomorrows payment will be exponentially higher. Independence loan says were closed on the home and I can not cancel with them. XXXX says they will not take the amount until the new fees and everything is owed so they are saying there is no recourse action to take and now I have XXXX home loans. I dont understand how this is even possible or legal and I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
Both lenders - CROSS COUNTRY MORTGAGE AND XXXX XXXX XXXX I did a VA IRRRL Refinance with XXXX XXXX XXXX 
They sent an insufficient payoff to Cross Country Mortgage, Leaving a shortfall of {$4100.00} as of today XX/XX/2025 its been accumulating interest. 
Cross Country Mortgage refuses to accept payoff until the shortage is paid. Both lenders are telling me to pay out - of - pocket. That this is my problem. 
This is a RESPA Servicing error. I now have two active home loans due to their mistake. 
I need the new lender to issue a supplemental payoff immediately and correct the servicing error. This has caused financial harm and is illegal under RESPA 12 CFR 1024.35

Company response to consumer: Closed with explanation