vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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 extremely dissatisfied with the failure to comply with section FCRA XXXX ( 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. 
Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
This is my sixth and final dispute. Your ongoing failure to delete or verify the disputed information is a direct violation of multiple federal laws, including : FCRA 1681i ( failure to investigate ) FCRA 1681e ( b ) ( failure to maintain accuracy ) FCRA 1681n and 1681o ( willful and negligent noncompliance ) CFPA 5536 ( unfair, deceptive, or abusive practices ) 15 U.S.C. 45 ( FTC Act unfair methods of competition ) You are now subject to civil liability, and I am prepared to take this to court, file complaints with the CFPB, FTC, State Attorney General, and pursue full legal remedies, including damages and attorneys fees. I demand the immediate deletion of all inaccurate, unverifiable, or misleading information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: Kikoff Inc.
State: GA

Complaint narrative:
Date opened on their end ( Kikoff Lending LLC ) XX/XX/year>. 

I've never borrowed, applied or did anything with this company but they are on my credit report. I spoke with them today and they agreed that I don't owe any balances nor was any money loaned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TN

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
Under USC 1681g, you are required to investigate and erase these erroneous entries within 15 days of notification.

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 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Triton Recovery Group
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXXAccount # XXXX XXXX XXXX XXXX XXXX XXXX XXXXCompliance Department\nTriton Recovery\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRe: Cease & Desist of Harassment & Demand for Account Deletion\n\nTo Whom It May Concern,\n\nI am formally notifying Triton Recovery that your recent communications with me regarding an alleged debt have violated the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692d, which prohibits any conduct that harasses, oppresses, or abuses a consumer in connection with the collection of a debt.\n\nSpecifically, I have experienced:\n\t\tExcessive and repetitive phone calls, sometimes multiple times per day.\n\t\tCalls placed outside the legally permissible hours of XXXX XXXX to XXXX XXXXXXXXAggressive and intimidating language from their representatives and beginning to not sleep or breathe properly.\nIve been trying to work out a amicable payment schedule but they have overdrawn my account \n\nThese actions constitute harassment and create an unlawful attempt to collect.\n\nDemand for Action:\n\nAccordingly, I hereby demand that Triton Recovery:\n\t1.\tCease and desist all direct communication with me regarding this matter, except as permitted by law.\n\t2.\tDelete and permanently remove any reporting of this alleged account from my credit files with XXXX, XXXX, and XXXX.\n\t3.\tProvide me with written confirmation that this account has been closed and that no further collection activity will occur.\n\nFailure to comply with this demand will result in continued action, including escalation with the Consumer Financial Protection Bureau (CFPB), the Federal Trade Commission (FTC), and my states Attorney Generals Office for enforcement of my rights under federal law.\n\nThis letter is being sent in good faith, and I expect compliance within 15 days of receipt.\n\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and found a fraudulent account. This account is negatively impacting my ability to buy a home and obtain new credit. Please immediately remove this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, my federal student loans were paused under the XXXX XXXX. When repayment resumed, my loan was transferred to a servicer called Aidvantage/XXXX I had never heard of this company before and did not receive any notice of the transfer or resumption of payments. 

When I checked my credit report in XX/XX/XXXX, I discovered that the loan was being reported as over 300 days delinquent. This severely damaged my credit score. 

I called the servicer and learned they were using a mailing address from 7 years ago, an old college email address, and a phone number with the wrong area code. Because of this, I never received any billing statements, reminders, or notices. The company told me it was my responsibility to update my information, even though I had no knowledge of them and had never received communication at my current contact information. 

I have always paid my mortgage and car loan on time and had no reason to ignore a XXXX  XXXX payment. This delinquency is inaccurate and misleading because I was not given a fair chance to pay. 

I request that this negative reporting be corrected or deleted from my credit report and that the CFPB investigate whether the servicer met its obligations to properly notify me of the transfer and repayment resumption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LoanCare, LLC
State: UT

Complaint narrative:
CFPB COMPLAINT DRAFT FAILURE TO RESPOND TO QWR / OWNERSHIP MISREPRESENTATION Summary of the Issue : I am the borrower on a mortgage loan originally serviced by XXXX XXXX XXXX XXXX XXXX  ), now serviced by LoanCare. On XX/XX/year> I submitted a Qualified Written Request ( QWR ) under RESPA to LoanCare requesting ownership documentation, assignments, and proof of lawful standing to enforce my mortgage loan. LoanCare responded, but failed to provide the full documentation requested, including : - A properly recorded Deed of Trust assignment into their name - A complete chain of title for the promissory note - Copies of endorsements, allonges, or custodial records Instead, LoanCare claimed that XXXX XXXX is the current owner of the note. This is inaccurate and misleading. XXXX XXXX XXXX act as an investor in the mortgage, but it is not the legal owner or holder of the promissory note, which controls enforceability under the law. The lack of a recorded assignment and the conflicting claims of ownership between XXXX, XXXX XXXX, and XXXX XXXX have created a serious cloud on my title and left me uncertain as to who, if anyone, has legal standing to enforce this loan. 

Relevant Case Law : As established by the U.S. Supreme Court in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), the note and mortgage are inseparable, and a mortgage assignment without the note is a nullity. LoanCare has failed to prove it lawfully holds or services both instruments. 

Requested Resolution : I request that the CFPB : XXXX. XXXX LoanCare to provide complete QWR responses with documentation of note ownership, chain of title, and securitization status. 2. Investigate whether LoanCare has violated RESPA/Regulation X by failing to provide accurate information regarding ownership. XXXX. Clarify who the true owner of the promissory note is, and whether LoanCare has any lawful authority to collect payments on this account.

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 2025-08-21 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: IL

Complaint narrative:
The Fiduciary for the private irrevocable trust has previously stated that multiple derogatory accounts have been settled and are unenforceable. Despite this, Experian, Equifax, and TransUnion continue to publish these items, which constitutes defamation, fiduciary breach, and commercial harm. Previous notices have gone unrebutted, establishing estoppel by acquiescence. Relief demanded : ( 1 ) Permanent removal of all disputed derogatory items ; ( 2 ) Full restoration of historical paid-in-full accounts ( 3 ) Manual recalibration of credit score to XXXX baseline ; and ( 4 ) Confirmation of compliance in writing.

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 2025-08-21 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: OR

Complaint narrative:
While trying to unfreeze my Experian credit I can not interact with a human. A web or phone interface is the only way they will interact with me. Somehow there is already an account established with my name/email address on it and an incorrect phone number. Experian will only send a verification code to the wrong phone number to grant access to my records/credit. Experian 's systems are designed so that no human interactions can be made in order to correct their data. This is preventing me from applying for a mortgage.

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 2025-08-21 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:
Recently, I obtained a copy of my credit report and identified several inaccuracies related to the following account. This account is negatively impacting my ability to obtain credit. 


Disputed Account Information Account Name : XXXX  XXXX Account Number : XXXX Account Balance : {$27.00} Open Date : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account Number : XXXX Account Balance : {$0.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX CARD Account Number : XXXX Account Balance : {$0.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX AUTO Account Number : XXXX Account Balance : {$8700.00} Open date : XX/XX/XXXX Collections Disputed Account Information Account Name : XXXX XXXX Account Number XXXX XXXX Account Balance : {$10000.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$620.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$280.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Balance : {$1200.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$350.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX CREDIT MANAGEM Account Number : XXXX Account Balance : {$800.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX CREDIT MANAGEM Account Number : XXXX Account Balance : {$590.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$3000.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$2400.00} Open date : XX/XX/XXXX Inquires XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX 2023

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recently, I obtained a copy of my credit report and identified several inaccuracies related to the following account. This account is negatively impacting my ability to obtain credit. 


Disputed Account Information Account Name : XXXX  XXXX Account Number : XXXX Account Balance : {$27.00} Open Date : XX/XX/XXXX Disputed Account Information Account Name : XXXX Account Number : XXXX Account Balance : {$0.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX CARD Account Number : XXXX Account Balance : {$0.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX AUTO Account Number : XXXX Account Balance : {$8700.00} Open date : XX/XX/XXXX Collections Disputed Account Information Account Name : XXXX XXXX Account Number XXXX XXXX Account Balance : {$10000.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$620.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$280.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Balance : {$1200.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$350.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX CREDIT MANAGEM Account Number : XXXX Account Balance : {$800.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX CREDIT MANAGEM Account Number : XXXX Account Balance : {$590.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$3000.00} Open date : XX/XX/XXXX Disputed Account Information Account Name : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$2400.00} Open date : XX/XX/XXXX Inquires XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
XXXXMy bankruptcy was discharged in XXXX. I began receiving calls from a company who appeared to be a scam in XXXX XXXX XXXX. Weltman, Weinberg and Reis Co located out of XXXX OH. I asked for a verification letter back in XXXX  and never received one. I spoke with the company again and the\nRepresentative was aggressive and argumentative and threatened to continue contacting me. They stopped for a few months and started calling me again at home and work in XXXX. I contracted my lawyer who started they are most likely scamming me and to disregard. I have received no further calls and now have received a verification letter from them dated XXXX XXXX when the original contact and request for verification was in XXXX. I researched this debt and it's a debt already included and discharged in my bankruptcy case. This is a violation of the law. XXXXWeltman, Weinberg, Reis Co LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance : {$16000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you to dispute an unauthorized account that has been incorrectly reported under my credit file. I did not open or authorize this account, and its presence is a false reporting error.

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