vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 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:
Recently, I did an investigation on my credit report and found several items on there to be Inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency verres a consumer reoo, " shall follow reasonable, procedures to ensure the maximun possible of accuracy of the information concerning the individual about whom the report relates 15 U.s. Code 16811 ( 5 ) Treatment of inaccurate or unventiabie information ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, the consumer reporting agency shall- promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: PA

Complaint narrative:
I am submitting a complaint to dispute inaccurate names and addresses on my credit file. 
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

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 2025-04-22 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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 submitting this complaint against Experian for what appears to be deliberate suppression of my credit score, inconsistent data handling, and failure to accurately reflect my improved credit activity. 

On XX/XX/year>, my credit scores updated as follows : XXXX  : XXXX ( XXXX ) XXXX  : XXXX ( XXXX ) Experian : XXXX ( XXXX ) I have paid down multiple credit card balances and removed negative items from my report in the past 30 days. However, Experian has shown a dramatic and unjustified drop, while both XXXX  and XXXX  reflect the appropriate score increases. 

I previously attempted to dispute tradelines directly with Experian and was repeatedly deflected with vague denials and unverifiable investigations. Since submitting disputes through CFPB, Experian has only begun to acknowledge errorsclearly indicating that my direct efforts were ignored until regulatory pressure was applied. 

I believe Experian is engaging in : Score manipulation via reporting delay and data suppression Failure to update tradelines and reflect verified payment activity Violation of FCRA 611 ( failure to reinvestigate or correct ) Supporting Documentation : Screenshot showing credit score changes across all three bureaus Screenshot of credit alert showing significant debt paydown activity

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 2025-04-22 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: MD

Complaint narrative:
Issue wasn't resolved. I am requesting another investigation into these accounts. XXXX XXXX  opened XX/XX/XXXX reporting {$14000.00}. XXXX XXXX  opened XX/XX/XXXX reporting {$5900.00}. XXXX XXXX XXXX  opened XX/XX/XXXX reporting {$230.00}. Below is an attached IDENTITYTHEFT REPORT.

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 2025-04-22 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: TX

Complaint narrative:
XXXX XXXX, AND IDENTITY THEFT, AND XXXX XXXX, SO A LOT OF THESE THINGS IM NOT ABLE TO DO ANYWAY. I SIGNED UP WITH AN AI COMPANY TO HELP ME REPAIR MY CREDIT, CALLED DISPUTE XXXX, AND I HAVE BEEN HAVING PROBLEMS Ever SINCE, BECAUSE THEY HAVE ACCESS TO ALL MY INFORMATION. I HAD MY DAUGHTER TO CANCEL, AND IVE HAD PROBLEMS NON STOP.

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 2025-04-22 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: Early Warning Services, LLC
State: TX

Complaint narrative:
HUMAN TRAFFICKING, AND IDENTITY THEFT, AND XXXX XXXX, SO A LOT OF THESE THINGS IM NOT ABLE TO DO ANYWAY. I SIGNED UP WITH AN XXXX COMPANY TO HELP ME REPAIR MY CREDIT, CALLED XXXX XXXX, AND I HAVE BEEN HAVING PROBLEMS Ever SINCE, BECAUSE THEY HAVE ACCESS TO ALL MY INFORMATION. I HAD MY DAUGHTER TO CANCEL, AND IVE HAD PROBLEMS NON STOP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Credit Karma, LLC
State: IN

Complaint narrative:
On XX/XX/year> I submitted a dispute through Credit Karma for an account on my XXXX  credit report. Since then, the dispute has been marked as XXXX XXXX on the Credit Karma platform and I have been unable to submit any new disputes through their system. 

As of XX/XX/year> the dispute is still listed as pending. I contacted XXXX directly by phone, and after verifying my identity they have confirmed there are no open or pending disputes on my file, even asking me to open a new dispute, meaning Credit Karma never actually submitted any dispute on my behalf. 

I have attempted to contact Credit Karma multiple times through their chat support, but each time the agent disconnects immediately upon connection and I receive no assistance. This has effectively blocked me from disputing inaccurate or unverifiable information on my credit report for nearly five months during which time I may have experienced negative impacts to my creditworthiness. 

I believe Credit Karma has misrepresented their service, failed to uphold their obligations, and has interfered with my legal right to dispute inaccurate information as protected by the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
End of XXXX I contacted PHH Mortgage with a rep from XXXX program who was assisting my family with making the payment. When on the phone with PHH mortgage the amount that was outstanding was confirmed. The amount outstanding was roughly XXXX this amount was good until XX/XX/XXXX at which time the amount outstanding would change. I mailed a cashiers check to XXXX for the amount of XXXX and they made out a check for XXXX. Both checks where mailed certified mail to PHH mortgage. We have signatures showing when they received the payment. I received a letter on XX/XX/XXXX stating that the cashiers check I sent was not able to be applied to my account because it is not the amount to cure the outstanding amount owed, when what we sent was the amount they told us. This is not the first they have messed with us like this. They have done illegal and shady stuff with our mortgage and it is hard for me to type out all the things they have done to us. I am afraid they are gon na come after us when we paid the outstanding amount to bring my account current that they told us to pay. I am so frustrated with this company. Around every corner they're doing something shady and changing what you just got informed to do to benefit themselves.

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 2025-04-22 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-22 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: MN

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-04-22 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: MO

Complaint narrative:
Formal Complaint Inaccurate Reporting of Student Loan Accounts by XXXX Dear CFPB Representative, I am writing to file a formal complaint regarding inaccurate and damaging information reported on my credit file by XXXX, a federal student loan servicer, and reflected across all three major credit bureaus : Equifax, XXXX and XXXX 

In XX/XX/2025, nine of my federal student loan accounts, serviced through XXXX, were erroneously marked as 90 days delinquent. However, all prior months show check marks indicating timely and current payments, with no prior history of missed or late payments. These sudden derogatory marks resulted in my credit score dropping overnight from XXXX to XXXX, making it impossible for me to move forward with purchasing a homea devastating blow to me and my family after years of financial responsibility. 

I have submitted goodwill dispute letters to all three bureaus, along with documentation showing these accounts were never late and that the reporting is inaccurate. As of now, the incorrect reporting remains and no sufficient corrective action has been taken. 

This situation appears to violate my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of consumer report information.

15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation of disputed information. 

I am requesting that the CFPB investigate this matter thoroughly and ensure that XXXX, as well as the credit bureaus, take immediate action to correct the inaccurate reporting and restore my credit profile to its rightful standing. This has caused undue emotional, financial, and logistical hardship at a critical time for me and my family. 

Thank you for your attention and support. I am happy to provide further documentation upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: MO

Complaint narrative:
Formal Complaint Inaccurate Reporting of Student Loan Accounts by XXXX  Dear CFPB Representative, I am writing to file a formal complaint regarding inaccurate and damaging information reported on my credit file by XXXX, a federal student loan servicer, and reflected across all three major credit bureaus : XXXX Experian, and XXXX 

In XX/XX/year>, nine of my federal student loan accounts, serviced through XXXX, were erroneously marked as 90 days delinquent. However, all prior months show check marks indicating timely and current payments, with no prior history of missed or late payments. These sudden derogatory marks resulted in my credit score dropping overnight from XXXX to XXXX, making it impossible for me to move forward with purchasing a homea devastating blow to me and my family after years of financial responsibility. 

I have submitted goodwill dispute letters to all three bureaus, along with documentation showing these accounts were never late and that the reporting is inaccurate. As of now, the incorrect reporting remains and no sufficient corrective action has been taken. 

This situation appears to violate my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of consumer report information.

15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation of disputed information. 

I am requesting that the CFPB investigate this matter thoroughly and ensure that XXXX, as well as the credit bureaus, take immediate action to correct the inaccurate reporting and restore my credit profile to its rightful standing. This has caused undue emotional, financial, and logistical hardship at a critical time for me and my family. 

Thank you for your attention and support. I am happy to provide further documentation upon request. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MO

Complaint narrative:
Formal Complaint Inaccurate Reporting of Student Loan Accounts by XXXX  Dear CFPB Representative, I am writing to file a formal complaint regarding inaccurate and damaging information reported on my credit file by XXXX, a federal student loan servicer, and reflected across all three major credit bureaus : XXXX XXXX, and TransUnion. 

In XX/XX/year>, XXXX of my federal student loan accounts, serviced through XXXX, were erroneously marked as 90 days delinquent. However, all prior months show check marks indicating timely and current payments, with no prior history of missed or late payments. These sudden derogatory marks resulted in my credit score dropping overnight from XXXX to XXXX, making it impossible for me to move forward with purchasing a homea devastating blow to me and my family after years of financial responsibility. 

I have submitted goodwill dispute letters to all three bureaus, along with documentation showing these accounts were never late and that the reporting is inaccurate. As of now, the incorrect reporting remains and no sufficient corrective action has been taken. 

This situation appears to violate my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of consumer report information.

15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation of disputed information. 

I am requesting that the CFPB investigate this matter thoroughly and ensure that XXXX, as well as the credit bureaus, take immediate action to correct the inaccurate reporting and restore my credit profile to its rightful standing. This has caused undue emotional, financial, and logistical hardship at a critical time for me and my family. 

Thank you for your attention and support. I am happy to provide further documentation upon request. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I have a debt collection with Jefferson Capitol Systems LLC for a debt with XXXX. This account was open around XXXX. And the company re-aged the account and opened it for XX/XX/XXXX which is false. Now they are harassing me with phone calls and text messages. I have tried to dispute it and fix it many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
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 response to consumer: Closed with non-monetary relief