vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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:
This is my fifth formal follow-up complaint regarding the continued and unlawful presence of inaccurate information on my credit reports from Experian, Equifax, and TransUnion, despite multiple disputes and extensive documentation I have previously submitted. Experian still reports addresses that have never belonged to meXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXcausing financial disruptions, identity-verification problems, and repeated delays during credit applications. At the same time, several accounts continue to display conflicting and unverifiable data across all three bureaus : Experian lists XXXX XXXX XXXX with balances of {$1400.00} and {$8600.00} both tied to XX/XX/year>, while TransUnion lists XXXXXXXX XXXX XXXXXXXX with different datesXXXX for the {$1400.00} balance and XX/XX/year> for the {$8600.00} balanceand Equifax reports XXXX XXXX with a {$0.00} balance as of XX/XX/year>. These inconsistencies clearly violate FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ) because they demonstrate that the bureaus have not conducted a reasonable reinvestigation nor verified the accuracy of furnished data. Furthermore, multiple charge-offs remain inaccurately displayed across the bureaus, including XXXX XXXX with a {$260.00} balance on all three bureaus, XXXX XXXX XXXX XXXX showing {$0.00} * * on Experian and Equifax but XXXX XXXX appearing separately on TransUnion, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance on TransUnion. These inconsistent account numbers, differing balances, and contradictory dates show that the information remains unverifiable and unreliable under FCRA standards. These persistent inaccuracies have significantly harmed my ability to obtain fair lending, caused repeated denial of credit, and created ongoing stress due to the instability of my credit profile. After four previous disputes, the repeated reappearance of these errors shows a pattern of non-compliance and a failure by the bureaus to uphold their statutory responsibilities.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Ria Envia, LLC
State: FL

Complaint narrative:
I just want to send money last XX/XX/year> but the teller just don't care about what his doing it. I asked him why it's dollar to dollar? I need to send in XXXX to XXXX XXXX. That money is very big amount and my family needs it. He can not do anything. He just told me they will come back by next cruise. Cuz every week the money sender they come to cruise ship. But till now they don't come back. Please help me with this issue. The company of sender money is RIA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NV

Complaint narrative:
I am filing a complaint against MRS BPO , LLC because they attempted to collect a debt from me that is not legally valid and repeatedly contacted me after I formally disputed the debt and requested that all communication cease. The alleged balance they pursued originated from a XXXX transaction in which the buyer had already lost an XXXX dispute and then initiated a chargeback to circumvent that decision. The supposed debt is not a consumer debt but a commercial transaction tied to a fraudulent chargeback. Because the underlying dispute had already been resolved in my favor, the amount that XXXX attempted to assign to this collector does not legally exist.

I notified MRS BPO in writing that I disputed the debt and demanded validation. I also explicitly instructed them to stop contacting me as permitted under the Fair Debt Collection Practices Act. Despite this, MRS BPO continued to send collection communications and failed to provide any form of verification of the alleged amount. Their continued contact after my written dispute and cease-communication request is a direct violation of FDCPA requirements. They attempted to enforce a debt that is not legally owed, misrepresented the nature of the obligation, and ignored federal regulations governing how a disputed claim must be handled. I am requesting that the CFPB investigate this company and take action to stop their unlawful collection activity.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am submitting this follow-up regarding unresolved inaccuracies on my Equifax, Experian, and TransUnion credit reports, specifically the XXXX XXXX XXXX XXXX Balance Owed : {$160.00} Late 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX-tied up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX tied up. Despite my prior dispute submissions, these accounts remain inaccurately reported and have not been properly verified. Under FCRA 602, 603, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), the credit reporting agencies are required to conduct a reasonable and documented reinvestigation, verify all disputed information with the original furnishers, and ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this follow-up regarding unresolved inaccuracies on my Equifax, Experian, and TransUnion credit reports, specifically the XXXX XXXX XXXX XXXX Balance Owed : {$160.00} Late 30 days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX-tied up XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX tied up. Despite my prior dispute submissions, these accounts remain inaccurately reported and have not been properly verified. Under FCRA 602, 603, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), the credit reporting agencies are required to conduct a reasonable and documented reinvestigation, verify all disputed information with the original furnishers, and ensure maximum possible accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AR

Complaint narrative:
XXXX XXXX ( maiden ) Applied for PLSF buyback over 12 months ago. A nurse working at a public hospital with 117 months when forbearance went into effect. Continued to pay last 3 payments, applied to buyback XX/XX/year>. The response is reprehensible. Ive sent complaint, called for weeks/hours, asked for an ombudsman- NO response. NO information.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Cease and Desist / Demand for Immediate Removal of Inaccurate Information from Credit Report To Whom It May Concern, This letter serves as a formal demand for the immediate removal of inaccurate reporting associated with my credit profile related to the alleged debt that was reportedly sold and transferred to your organization. 

I assert that no legally binding assignment of this debt was made with my wet signature, nor was I provided with proper notification of the sale or transfer of the debt as mandated by law. As such, any reporting of this debt on my credit profile by your organization is not only inaccurate but also in violation of my rights. 

Additionally, I would like to bring to your attention that this situation also constitutes a violation of 15 U.S.C. 1692e, which prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. Your improper reporting of this alleged debt is, therefore, unlawful. 

Accordingly, I demand the following : 1. Immediate Removal : The immediate removal of the reported debt from all consumer credit reporting agencies.

2. No Further Reporting : No further reporting of this alleged debt until proper legal proceedings and litigation are resolved.

Please be advised that failure to comply with this demand for immediate removal will result in legal action, which may include but is not limited to : - Filing complaints with relevant regulatory agencies. 
- Initiating litigation to recover damages for violations of consumer protection laws. 

This letter constitutes a formal notice of your obligations under the Fair Credit Reporting Act ( FCRA ), the above-mentioned U.S. Code XXXX and other applicable laws. I expect a prompt response confirming the removal of the inaccurate information. 

I appreciate your prompt attention to this matter and expect to receive a response within 30 days of your receipt of this letter. Please send all correspondence to the address listed above. 

Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am challenging all my inaccurate information on my consumer profile using the FRCA and metro 2 compliance.

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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint because Midland Credit Management XXXX is reporting a collection account on my consumer credit file that is inaccurate, unverified, and legally questionable, and I am demanding that the CFPB intervene immediately. 

The account in question is a collection alleged by Midland Credit Management XXXX showing a balance of {$1900.00} and has been reported for approximately 2 years and 10 months. This item is materially damaging my credit profile, yet Midland has repeatedly failed to provide any documentation proving ownership of the debt, the original agreement, or their legal right to report or collect on this account. 

Reasons This Account Must Be Removed Immediately 1. No Proper Validation Provided Despite previous disputes, Midland has NOT supplied full validation as required under the FDCPA. I have not received : A signed contract or agreement Proof of assignment or ownership Complete accounting of the balance Original creditor documentation Reporting a debt without proper evidence constitutes furnishing inaccurate information, violating FCRA 1681s-2 ( b ).

2. Balance Amount Is Unverified and Potentially Inflated The reported balance of {$1900.00} has never been explained or itemized. Without proof of how this amount was calculated, this reporting is unsubstantiated and misle
ading.

3. Failure to Conduct a Reasonable Investigation My previous disputes were met with generic responses and no meaningful investigation. This is a direct violation of the creditors duty to investigate under the FCRA.

4. Potential Re-Aging Concerns Given how close this debt is to becoming obsolete, I demand verification that the Date of First Delinquency has NOT been manipulated to extend reporting time. Any re-aging is illegal.

5. Emotional, Financial, and Credibility Harm This inaccurate account is actively lowering my score, restricting my access to credit, and causing ongoing financial harm. Midland should not be allowed to continue reporting an unverified account that they can not legally substantiate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Equifax. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

Furthermore, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports.

Without legal function, as shown in 15 USC 1681b ( 2 ), it has been established that Experian shouldn't have a credit report on my behalf. Equifax has neither my permission nor a valid purpose to disclose my credit report containing my personal information. The absence of such a purpose makes the presence of this information a violation of my privacy rights, which is very frustrating for me.

I can also add, 18 USC 1028a which talks about identity theft and its associated penalties, emphasizing that identity theft is a serious crime. Furthermore, by using my personal information without my authorization, it is a criminal act against my privacy and they are violating my rights as a consumer.

According to the law 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Equifax to take all necessary action to correct and block this information as ordered by law.

Moreover, this means I request a formal investigation into my dispute and the removal of any incorrect information from Equifax records if it is determined that no permissible purpose exists for maintaining this information. I expect Equifax to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft.

I hope for a prompt response to this situation in the next 30 days, along with the results of your investigation. If my report is not corrected or removed in accordance with the law, I will take legal action. This is happening to me, causing my mental health to diminish and a constant turmoil of emotions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Equifax. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately.

Furthermore, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports.

Without legal function, as shown in 15 USC 1681b ( 2 ), it has been established that Experian shouldn't have a credit report on my behalf. Equifax has neither my permission nor a valid purpose to disclose my credit report containing my personal information. The absence of such a purpose makes the presence of this information a violation of my privacy rights, which is very frustrating for me.

I can also add, 18 USC 1028a which talks about identity theft and its associated penalties, emphasizing that identity theft is a serious crime. Furthermore, by using my personal information without my authorization, it is a criminal act against my privacy and they are violating my rights as a consumer.

According to the law 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Equifax to take all necessary action to correct and block this information as ordered by law.

Moreover, this means I request a formal investigation into my dispute and the removal of any incorrect information from Equifax records if it is determined that no permissible purpose exists for maintaining this information. I expect Equifax to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft.

I hope for a prompt response to this situation in the next 30 days, along with the results of your investigation. If my report is not corrected or removed in accordance with the law, I will take legal action. This is happening to me, causing my mental health to diminish and a constant turmoil of emotions.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing inaccurate credit reporting by XXXX regarding my federal student loans. During the federal XXXX administrative forbearance period, federal rules required loan servicers to report accounts as current and to not report delinquency. 

XXXX reported late payments during this period. This reporting is inaccurate and has impacted my credit score. I disputed with Experian, and they responded that the servicer " verified '' the information. However, that does not make the reporting accurate. 

This request is not for account deletion. I am requesting correction of inaccurate reporting and an update to reflect current status for all months within the federal XXXX administrative forbearance period. 

I am providing my dispute case number and verification notice from Experian. ExperianXXXX has already corrected the XX/XX/year> reporting by removing the late payment ( changing it to " ND '' ). This correction establishes that the information for that period was inaccurate. The same reporting periods for XXXX, XXXX, and XX/XX/year> continue to show delinquency, although they fall under the identical federal XXXX administrative forbearance protections and should therefore be corrected in the same manner.

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 2025-12-08 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-08 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: CA

Complaint narrative:
I've tried twice to report to Experian that my XXXX  XXXX XXXX account and my XXXX accounts have been charged off and shouldn't be reported as outstanding still. They've not corrected this.

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