vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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:
XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Unauthorized Reinsertion of Fraudulent Account ( XXXX XXXX Services {$12000.00} ) To Whom It May Concern, I am formally disputing the unauthorized reinsertion of a fraudulent account, XXXX XXXX Services {$12000.00}, onto my Equifax credit report. This account had previously been deleted as fraudulent and was confirmed as not belonging to me. I recently spoke directly with a representative in the Fraud Department of XXXX, who confirmed that they are not in the business of re-inserting fraudulent accounts onto consumer credit reports. Therefore, this reinsertion was improper and unlawful.

Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If any information is deleted from a consumers file, it may not be reinserted unless the furnisher certifies that the information is complete and accurate. The credit reporting agency must notify the consumer in writing within 5 business days of reinsertion. I was never provided such notice.

15 U.S.C. 1681e ( b ) : You are required to follow reasonable procedures to assure maximum possible accuracy of information. Reinserting a fraudulent account that the furnisher itself has confirmed as not belonging to me is a violation of this duty.

15 U.S.C. 1681n & 1681o : Provide for civil liability for willful or negligent noncompliance with the FCRA.

This reinsertion is unlawful, deceptive, and constitutes willful noncompliance. I demand that Equifax immediately block, delete, and permanently remove this account from my credit report. Additionally, I demand written confirmation within 15 business days that this fraudulent reinsertion has been corrected and that safeguards have been put in place to prevent further unlawful reporting.

If this matter is not resolved, I will escalate by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office, and I will pursue legal remedies available under FCRA 616 and 617.

This fraudulent account was not mine in the past, it is not mine now, and it must be permanently removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In reviewing my credit reports from the three credit bureaus, I found multiple inaccurate, outdated, and unverified accounts still being reported. Several collection accounts and charge-offs are being listed without proper validation, and in some cases, duplicate entries appear from the same original creditor but under different collection agencies. 

For example, XXXX XXXX is reporting as a collection account with a balance of {$1500.00}, but this debt has not been validated. XXXX XXXX XXXX is reporting multiple accounts with different balances ( {$1000.00} and {$1300.00} ), which appear to be duplicates. XXXX XXXX XXXX is also reporting a collection account with a balance of {$2500.00} that I dispute as inaccurate. 

Additionally, there are late payments being reported on a closed XXXX XXXX XXXX XXXX account, which should not continue to reflect derogatory information after closure. Other accounts such as XXXX XXXX ( {$1500.00} charged off ) and XXXX XXXX XXXX ( {$1400.00} collection ) remain listed despite disputes and no validation being provided. 

I also noticed unauthorized hard inquiries on my file, including inquiries from car dealerships and finance companies ( such as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  ) that I did not authorize. These are harming my credit unfairly. 

I have disputed these items directly with the credit bureaus on multiple occasions, but they remain on my reports without proper verification. This is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that these inaccurate and unverified items be deleted immediately and that the credit reporting agencies ensure only accurate, verified, and current information remains on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
In reviewing my credit reports from the three credit bureaus, I found multiple inaccurate, outdated, and unverified accounts still being reported. Several collection accounts and charge-offs are being listed without proper validation, and in some cases, duplicate entries appear from the same original creditor but under different collection agencies. 

For example, XXXX XXXX is reporting as a collection account with a balance of {$1500.00}, but this debt has not been validated. XXXX XXXX XXXX is reporting multiple accounts with different balances ( {$1000.00} and {$1300.00} ), which appear to be duplicates. XXXX XXXX XXXX is also reporting a collection account with a balance of {$2500.00} that I dispute as inaccurate. 

Additionally, there are late payments being reported on a closed XXXX XXXX XXXX XXXX account, which should not continue to reflect derogatory information after closure. Other accounts such as XXXX XXXX ( {$1500.00} charged off ) and XXXX XXXX XXXX ( {$1400.00} collection ) remain listed despite disputes and no validation being provided. 

I also noticed unauthorized hard inquiries on my file, including inquiries from car dealerships and finance companies ( such as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  ) that I did not authorize. These are harming my credit unfairly. 

I have disputed these items directly with the credit bureaus on multiple occasions, but they remain on my reports without proper verification. This is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that these inaccurate and unverified items be deleted immediately and that the credit reporting agencies ensure only accurate, verified, and current information remains on my credit reports.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
The XXXXXXXX Department of Education  XXXX my federal student loans related to The Art Institutes under XXXX XXXX. On XX/XX/XXXX, I received an official discharge letter ( case XXXX  XXXX ) confirming that the loans are unenforceable, no repayment is required, and they must be removed from credit reports. 

My servicer XXXX ( which took over from Navient ) shows these loans as Paid in Full with a {$0.00} balance as of XX/XX/XXXX. Despite this, XXXX XXXX XXXX delinquencies in XXXX and updated my credit file in XXXX and XX/XX/XXXX showing balances of {$18000.00} and {$10000.00} marked as charged off and past due. 

This is inaccurate and unlawful because : The loans were already XXXX by the Department of Education. 

XXXX own system shows the loans as satisfied in XXXX. 

Reporting new delinquencies in XXXX constitutes false reporting and illegal re-aging under the Fair Credit Reporting Act. 

This false reporting has harmed both my credit and my cosigners credit. 

I am requesting that Navient and XXXX : Remove all inaccurate delinquency reporting, Correct my credit file and my cosigners file to show the loans as fully XXXX with no balance, and Provide written confirmation of the correction. 

Attached are : Department of Education discharge letter ( XX/XX/XXXX ) XXXX loan records showing Paid in Full status ( XXXX ) Credit report excerpts showing false delinquency reporting in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Mortgage — FHA 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: Data Mortgage Inc.
State: IA

Complaint narrative:
I am filing this complaint against Essex Mortgage regarding their mishandling of my FHA short sale for XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX  which was scheduled to close on XX/XX/XXXX. 
XXXX of XXXX : XX/XX/XXXX : Purchase agreement signed and sent to XXXX along with other required documents. 
XX/XX/XXXX : Settlement agreement sent to XXXX. 
XX/XX/XXXX : XXXX confirmed the receipt of all required documents. 
XX/XX/XXXX : XXXX stated an appraisal was ordered but gave no guidance about scheduling or next steps. 
XX/XX/XXXX : XXXX completed. XXXX inaccurately documented me as unreachable, though I and my Realtor had been actively emailing and calling. My Realtor emailed XXXX that same day. XXXX stated they were hired by buyer. 
XX/XX/XXXX : Last correspondence from XXXX before a long silence. 
XXXX : Myself and my Realtor sent XXXX emails with no response. Customer service refused escalation, stating Loss Mitigation would only respond to email but they did not. 
XX/XX/XXXX : I submitted a Qualified Written Request under RESPA, which XXXX failed to acknowledge or respond to. 
XX/XX/XXXX : XXXX responded for the first time in nearly XXXX weeks. They stated they had received the appraisal from their vendor and that the Approval to Participate was being issued and should arrive by the next day. They also claimed that a closing date should not have been scheduled a statement never made previously. The closing date had already been set and communicated when the purchase agreement was submitted, and XXXX never raised objections until XX/XX/XXXX. 
XXXX : I sent XXXX follow-up emails asking when and how I would receive the XXXX. XXXX has not answered, and I have not received the XXXX. 
XX/XX/XXXX : My buyers are now threatening to cancel today due to XXXX mishandling and lack of communication. 
Key Discrepancies : XXXX reversed its statements about who ordered the appraisal ( initially suggesting buyer, later admitting it was their vendor ). 
XXXX falsely claimed I was unreachable. 
XXXX delayed nearly XXXX weeks in responding to emails during an active closing timeline. 
XXXX only stated on XX/XX/XXXX that closing should not have been scheduled, despite knowing a closing date had been set earlier. 
XXXX failed to respond to my QWR, violating XXXX X ( XXXX XXXX XXXX ). 
Requested Action : I request CFPB investigate XXXX XXXX handling of my FHA short sale, their noncompliance with XXXX X, and require them to issue the Approval to Participate and provide timely, transparent communication to avoid collapse of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
ACCORDING TO MY MOST RECENT CREDIT REPORT, NUMEROUS ACCOUNTS ARE REPORTING ON MY CREDIT REPORT THAT ARE INACCURATE AN INCORRECT. THESE ACCOUNTS ARE REPORTED ACROSS ALL THREE CREDIT BUREAUS : EXPERIAN, TRANSUNION, AND EQUIFAX. ACCORDING TO THE FCRA, ALL INFORMATION REPORTED TO THE CREDIT BUREAU MUST BE 100 % ACCURATE AND TRUE. IN THIS CASE, IT IS NOT. I HAVE UNDERLINED THE INACCURACIES ACROSS ALL THREE CREDIT REPORTS. THESE ACCOUNTS WERE FRAUDULENTLY OPENED BY SOMEONE ELSE WHO WAS ABLE TO ACCESS ALL MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE. I WANT THESE ACCURACIES DELETED. 

XXXX NAME XXXX # PAGE # 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 non-monetary relief
Consumer complaint received 2025-08-29 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:
ACCORDING TO MY MOST RECENT CREDIT REPORT, NUMEROUS ACCOUNTS ARE REPORTING ON MY CREDIT REPORT THAT ARE INACCURATE AN INCORRECT. THESE ACCOUNTS ARE REPORTED ACROSS ALL THREE CREDIT BUREAUS : EXPERIAN, TRANSUNION, AND EQUIFAX. ACCORDING TO THE FCRA, ALL INFORMATION REPORTED TO THE CREDIT BUREAU MUST BE 100 % ACCURATE AND TRUE. IN THIS CASE, IT IS NOT. I HAVE UNDERLINED THE INACCURACIES ACROSS ALL THREE CREDIT REPORTS. THESE ACCOUNTS WERE FRAUDULENTLY OPENED BY SOMEONE ELSE WHO WAS ABLE TO ACCESS ALL MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE. I WANT THESE ACCURACIES DELETED. 

XXXX NAME XXXX # PAGE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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 previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MD

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy and constitutes identity theft.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I need to stress that this complaint is not a mistake. My credit report contains inaccuracies that do not reflect the maximum possible accuracy as required. These errors are weighing heavily on me and continue to affect me negatively in ways that are difficult to put into words. These are already trying times, and it would be a great help and a blessing if these inaccuracies are corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
They are calling [ too frequently/ at odd hours/ at work / using threatening language/ refusing to send written validation ]. 

I believe these actions violate the Fair Debt Collection Practices Act ( FDCPA ). I request that they stop calling me and only contact me in writing. 

Please investigate this matter and take appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: OneMain Finance Corporation
State: CA

Complaint narrative:
I seen a inquiry on my credit report that was a hard pull on my credit by onemain financial that took place on XX/XX/year> that I no I did not do at the same time a few days before I seen my email and my SSN was compromised on XX/XX/year> by the dark web

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
On XX/XX/year> I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX ( Original Creditor : XXXX XXXX XXXX ) - collection- opened on XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NC

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer 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 2025-08-29 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: AR

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all XXXX  reports. Id appreciate your help in getting this taken care of.

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 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NV

Complaint narrative:
Jefferson Capital Systems Failure to Validate Debt / Fair Credit Reporting Act & Fair Debt Collection Practices Act Violations Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Jefferson Capital Systems regarding their unlawful debt collection practices and failure to comply with federal credit laws.

Jefferson Capital Systems is attempting to collect on an account allegedly under my name. However, they have failed to provide proper validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, despite my repeated written requests. Under the FDCPA, a consumer has the right to request full validation of an account, including : Proof that the debt exists and is owed by me. 

A complete payment history and accounting. 

Proof of their legal right to collect the alleged debt. 

A copy of the original signed agreement or contract. 

To date, Jefferson Capital Systems has not provided any of these documents, yet continues to report this account to the credit reporting agencies, which constitutes continued collection activity without validationa direct violation of the FDCPA.

Additionally, this conduct violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires furnishers of information to credit reporting agencies to report accurate and verifiable information. Since Jefferson Capital Systems has not validated the debt, their reporting of this account is inaccurate, misleading, and damaging to my credit profile. 

I am requesting that the CFPB investigate this matter and require Jefferson Capital Systems to : Provide full and proper validation of the alleged account in compliance with the FDCPA. 

Immediately cease all collection activity until such validation is provided. 

Remove any unvalidated or inaccurate information they have furnished to the credit reporting agencies. 

Ensure compliance with all applicable federal credit laws moving forward. 

This account has caused unnecessary stress, reputational harm, and credit damage. I ask that the CFPB take prompt action to address Jefferson Capital Systems unlawful practices. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: CA

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

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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