vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I.C. SYSTEM, INC has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so. Not only have they failed to conduct a proper investigation. They have also lied about who actually owns the debt. See these debts have been securitized by XXXX XXXX XXXX and were sold to a trust for a pool of investors. 
Although XXXX XXXX XXXX is acting as a service officer they illegally sold the debt to I.C. SYSTEM, INC I demand to see the chain of assignment and purchase agreement to see who really sold the debt to I.C. SYSTEM, INC If I.C. SYSTEM, INC does not legally own the debt then this is a violation of 15 usc 1692e.

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 2025-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc.
State: VA

Complaint narrative:
I am updating my complaint against Earnest ( serviced by XXXX ). I have received a final response from the XXXX XXXX XXXX XXXX XXXX, stating my in-school deferment was denied despite valid enrollment from XX/XX/XXXX to XX/XX/XXXX, with documentation sent multiple times. 

Their letter dated XX/XX/XXXX, continues a pattern of misrepresentation, retaliation, and harmful reporting. The denial was based on the false claim that my school doesnt qualify, despite no formal basis for this. This contradicts standard private loan deferment policies.

Additionally : They continue to report the account as delinquent, despite active disputes and federal and state complaints.

They refused to remove my cosigner, who is medically and cognitively unable to participate in this matter. Their continued demands are predatory.

They raised my balance after initiating a complaint, a clear act of retaliation under UDAAP.

I have contacted the CFPB, Attorney General of Virginia, and secured legal assistance to resolve this.

This is a violation of the Fair Credit Reporting Act ( FCRA ), contract law, consumer protection laws, and FDCPA. This is also emotionally and financially damaging, harming my ability to commute for work, attend required legal and medical obligations, and afford housing stability.

Please see attached with the following password :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
On XX/XX/year>, I submitted a formal identity theft complaint to Equifax under FCRA Section 605B. I provided a complete and valid package including a signed FTC Identity Theft Report, a government-issued photo ID, my full unredacted Social Security number, and a recent document verifying my current address. Despite this, on XX/XX/year>, Equifax responded stating they would not block the fraudulent information under Section 605B and instead opened a standard dispute investigation under Section 611. This response is a direct violation of FCRA 605B ( c ), which requires Equifax to block the disputed identity theft-related information within four business days after receiving the required documents. The fraudulent entries include multiple unauthorized hard inquiries and two fraudulent accounts, as well as an inquiry from XXXX dated XX/XX/year>, which I did not authorize, initiate, or benefit from in any way. In addition, Equifax falsely claimed that my identity documents were insufficient without specifying what was missing, violating FCRA 610 ( a ). As of XX/XX/year>, the fraudulent accounts and unauthorized inquiries still remain on my credit report, which also violates the accuracy and compliance requirements under FCRA 607 ( a ) and 602 ( a ). This is a clear and willful refusal to comply with federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$140.00}

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 2025-07-09 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: NC

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TN

Complaint narrative:
Company : Pro Collect XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I spoke with someone on the phone on XX/XX/year>, at XXXX XXXX. I was told that I owed money for a two-month apartment lease and other fees totaling {$1900.00}. I sent in my documents stating that I was not responsible for the fees, and it was my ex-spouse 's responsibility to pay. I am assuming the paperwork was not accepted that I sent from FedEx, so I called today, XX/XX/year>, and the customer service representative stated that they didn't have access to my account and then told me I had to email a XXXX. I contacted XXXX XXXX via email to acknowledge that I didn't owe the amount and that I wanted to settle the account for {$1400.00}. I will copy the letter I sent, and he has yet to respond. I have asked to have a call back, and he has not attempted to get this matter settled. The representatives are so unprofessional and very rude. I have never been talked to so crazily. The representative that I spoke with on XX/XX/year>, asked what my problem was, and I stated that I didn't know what to send in, and he proceeded to give me a telephone number and told me to pay my bills, upon hanging up in my face. I am trying to resolve this matter, but I can't seem to talk to anyone to communicate with. The communication via email is a bunch of avoidance in order not to deal with the individual. I would give this company a XXXX if I could rate it. It has a rating of XXXX, and that says it all. 

From : XXXX XXXX XXXX To : Pro Collect Inc. XXXX XXXX XXXX # XXXX XXXX, TX XXXX Date : XX/XX/year> Dear Procollect Inc. 

I am writing to you about the account mentioned above. While I do not acknowledge responsibility for this debt, I am willing to settle the account in full for the amount of {$1400.00}. Due to financial hardship, I am unable to pay the full amount of {$1900.00} currently owed. However, I would like to resolve this matter, and I can offer a lump sum payment of {$1400.00} as a settlement in full under the following conditions : You agree to remove all information regarding this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX  ). 

You agree that the account will be reported as Paid in Full or deleted entirely from my credit report. 

You agree not to sell or transfer this debt to any third party. 

You provide written confirmation of this agreement on your companys letterhead. 

If these terms are acceptable, please send me a signed agreement. Upon receipt, I will promptly submit payment via XXXX. 

This offer is valid for 30 days from the date of this letter. 

Sincerely, 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 2025-07-09 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/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 2025-07-09 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: PA

Complaint narrative:
I have submitted XXXX formal disputes to Experian regarding inaccurate personal information, negative tradelines, and unauthorized inquiries. Despite my repeated efforts, Experian continues to report unverifiable, outdated, and misleading informationviolating multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

Incorrect Personal Information : Name Variants : XXXX XXXX XXXX, XXXX, XXXX XXXX Address Variants : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect employer XXXX XXXX XXXX XXXX Negative Accounts ( Unverified after XXXX prior disputes ) : XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX  Charged off with {$7400.00} past due XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Charged off with {$6700.00} past due These accounts remain unverifiable despite multiple requests. No documentation has been provided as required under FCRA 611 ( a ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ). 

Unauthorized Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit pulls were not authorized by me and do not correspond to any active application. FCRA 604 ( a ) ( 3 ) requires a permissible purpose for accessing my report, which has not been proven. 

This failure to delete unverifiable information and resolve my concerns after five rounds of dispute may constitute willful noncompliance under FCRA 616 and 617.

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 2025-07-09 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: PA

Complaint narrative:
I have submitted XXXX formal disputes to Experian regarding inaccurate personal information, negative tradelines, and unauthorized inquiries. Despite my repeated efforts, Experian continues to report unverifiable, outdated, and misleading informationviolating multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

Incorrect Personal Information : Name Variants : XXXX XXXX XXXX, XXXX, XXXX XXXX Address Variants : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect employer XXXX XXXX XXXX XXXX Negative Accounts ( Unverified after XXXX prior disputes ) : XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX  Charged off with {$7400.00} past due XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Charged off with {$6700.00} past due These accounts remain unverifiable despite multiple requests. No documentation has been provided as required under FCRA 611 ( a ), 607 ( b ), and 623 ( a ) ( 1 ) ( A ). 

Unauthorized Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These credit pulls were not authorized by me and do not correspond to any active application. FCRA 604 ( a ) ( 3 ) requires a permissible purpose for accessing my report, which has not been proven. 

This failure to delete unverifiable information and resolve my concerns after five rounds of dispute may constitute willful noncompliance under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am filing this complaint because an eviction record that I have already paid in full is still appearing on my rental history in some screening systems, and in some cases, appears more than once. I resolved the account through Hunter Warfield and received a Paid in Full letter as confirmation. They also stated they would update all relevant databases and report the account as settled. 

I have contacted all three credit bureaus ( XXXX XXXX and XXXX ), as well as XXXX and XXXX. None of these agencies show the eviction record. Despite this, I am still being denied housing due to an unresolved or duplicated report, and I have not been able to locate where its coming from.

I am asking for assistance in making sure that my record is fully updated across all consumer and rental databases, and that any duplicate or incorrect reporting is removed. Ive attached the Paid in Full letter for verification and am willing to provide any other documentation needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: MIDFIRST BANK
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX regarding their handling of my application for a HUD stand-alone partial claim. 

I contacted XXXX XXXX  to inquire about bringing my mortgage current through the stand-alone partial claim option, which is a federally backed program designed to assist borrowers by deferring missed payments ( my mother missed payments three years ago before her death ) without requiring a full loan modification. According to HUD guidelines and information publicly available, a stand-alone partial claim does not require a credit check, income documentation, or financial requalification. It is specifically intended for borrowers who can resume regular payments but simply need assistance catching up on past-due amounts. 

Despite this, XXXX XXXX  informed me that I would be required to submit to a credit check and income verification. This request is not only contrary to HUDs own guidance, but it creates an unnecessary barrier to a program that is meant to offer immediate relief. I believe this conduct may be in violation of federal mortgage servicing rules, and at minimum represents a serious misrepresentation of HUD policy.

I am requesting that the Consumer Financial Protection Bureau investigate XXXX XXXX handling of this program, and that they be required to : 1. Honor the HUD stand-alone partial claim process as outlined by federal guidelines.

2. Cease any unlawful or misleading requests for documents not required under the program.

3. Provide transparency to borrowers about their actual rights and options under HUD servicing policies.

I appreciate your time and attention to this matter and look forward to your response.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Subject : Dispute of Inaccurate and Misleading Late Payment Reporting Bridgecrest Account # XXXX Dear BRIDGECREST I XXXX XXXX am writing to formally dispute the 30-day late payment reported on my Bridgecrest auto loan ( Account # [ XXXX ] ) as of XX/XX/year>. This derogatory mark is inaccurate and misleading due to Bridgecrests failure to disclose my loans maturity date and continued monthly billing reminders that created a reasonable and consistent expectation of a month-to-month payment structure.

My loan contract did not state a maturity date.

For the duration of the loan, Bridgecrest sent monthly reminders stating payment must be made by the XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pacific to remain in good standing.

There was no notice or communication stating my loan would mature on XX/XX/year>, nor any final billing notice requiring the full remaining balance be paid by that date. 
Relying on the regular payment structure and reminders, I made my usual monthly payment of {$450.00} on XX/XX/year>, at XXXX XXXX. 
At the time of that payment, I was unaware that Bridgecrest had already deemed the loan matured and considered me 49 days past due. 
My XX/XX/XXXX payment reduced my past due status to 22 days, and I reasonably believed I had until XX/XX/XXXXXXXX XXXX XXXX XXXX Pacific to remain current. 
However, because Bridgecrest was operating on an undisclosed XX/XX/XXXX maturity date, I was marked 31 days past due by XX/XX/XXXX, and a 30-day late mark was reported to the credit bureaus.

Why This Is a Violation of the Fair Credit Reporting Act ( FCRA ) : Under the FCRA, furnishers must report accurate and complete information and must not report data that is misleading. Bridgecrest : Failed to disclose the loan maturity date in the contract Never issued a final statement or balloon payment demand Continued to issue monthly notices consistent with ongoing billing, leading me to believe my loan continued on a month-to-month basis Never informed me that a XX/XX/XXXX payment would not prevent a 30-day delinquency, contrary to all past communications As a result, the 30-day late report is not only unfair and misleading, but it directly resulted from Bridgecrests failure to provide adequate notice and accurate billing information.

Attached Documentation : Loan agreement ( showing no maturity date ) Payment confirmations for XX/XX/XXXX and XX/XX/year> Screenshots or copies of monthly reminders indicating payment deadlines at the end of each month to avoid delinquency Proof that the account is now paid in full Please respond in writing within 30 days in accordance with the FCRA. If this matter is not resolved appropriately, I will consider pursuing further legal and regulatory remedies.

Thank you for your attention and cooperation.

Company response to consumer: Closed with explanation