vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-13 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: OK

Complaint narrative:
I am formally disputing all unsubstantiated and inaccurate information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX data field reporting standard. 

I am concerned about the allegations of delinquency and derogatory reporting without documented proof. Reporting unverifiable or inaccurate data violates both federal and state law. You are legally required to ensure the accuracy and completeness of all items reported. 

I demand that you provide tangible, verifiable documentation proving the accounts legitimacy and proper authorization. If you can not provide this, DELETE the account from my credit file immediately. 

I authorize you to send all documentation by mail detailing your actions and any updates to my credit profile. 

The following personal information is being disputed : Incorrect Name : XXXX XXXX XXXX The following collection accounts are being disputed : 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  The following inquiries are being disputed : XXXX 2023XXXX XXXX have also noticed your repeated use of form-letter responses that ignore the specific details of my dispute. That practice violates 15 U.S.C. 1681i. Each dispute must be investigated and addressed individually. Failure to do so is a breach of federal law.

Let it be clear : every letter bearing my name has been authored by me. If you delay or ignore my letters, you will be viewed as willfully disregarding my consumer rights. I will escalate this matter with legal counsel if necessary.

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 2025-06-13 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: LA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX C/o Resurgent Capital Services XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Debt Validation To Whom It May Concern, I am writing in response to a [ call/letter/email ] received on [ date of first contact ] regarding an alleged debt. This is not a refusal to pay, but a request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 
Please provide me with the following information : The name and address of the original creditor. 


The amount of the alleged debt, including a breakdown of interest, fees, payments, and credits. 


Verification that you are legally authorized to collect this debt. 


A copy of the original agreement or contract that bears my signature, showing that I agreed to assume this debt. 


Proof that the debt is within the statute of limitations for collection in my state. 


If you can not provide this information, you are required by law to cease collection activities. Until this information is provided, please treat this debt as disputed and do not report it to credit reporting agencies. If it has already been reported, please notify them that the debt is in dispute. 
I request that all future communication be in writing. Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-13 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
TRANSUNION XXXXXXXX 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 XXXXXXXX * * EXPERIAN XXXXXXXX XXXX XXXXXXXX * * * * * * XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * EQUIFAX XXXX XXXX XXXX * * * * * * XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * In accordance with the fair credit reporting act, has violated my rights.

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-06-13 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:
Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate. 
TRANSUNION XXXXXXXX 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 XXXXXXXX * * EXPERIAN XXXXXXXX XXXX XXXXXXXX * * * * * * XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * EQUIFAX XXXX XXXX XXXX * * * * * * XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * In accordance with the fair credit reporting act, has violated my rights.

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: OK

Complaint narrative:
I am formally disputing all unsubstantiated and inaccurate information in my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX data field reporting standard. 

I am concerned about the allegations of delinquency and derogatory reporting without documented proof. Reporting unverifiable or inaccurate data violates both federal and state law. You are legally required to ensure the accuracy and completeness of all items reported. 

I demand that you provide tangible, verifiable documentation proving the accounts legitimacy and proper authorization. If you can not provide this, DELETE the account from my credit file immediately. 

I authorize you to send all documentation by mail detailing your actions and any updates to my credit profile. 

The following personal information is being disputed : Incorrect Name : XXXX XXXX XXXX The following collection accounts are being disputed : 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  The following inquiries are being disputed : XXXX 2023XXXX XXXX have also noticed your repeated use of form-letter responses that ignore the specific details of my dispute. That practice violates 15 U.S.C. 1681i. Each dispute must be investigated and addressed individually. Failure to do so is a breach of federal law.

Let it be clear : every letter bearing my name has been authored by me. If you delay or ignore my letters, you will be viewed as willfully disregarding my consumer rights. I will escalate this matter with legal counsel if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never XXXX " I recently reviewed my consumer report and noticed an incorrect XXXX  payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER XXXX. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: MN

Complaint narrative:
My Current address is the only thing correct on this report. None of these addresses & Emails belong to me. Even the spelling of the names are Suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Written notification about debt Notification didn't disclose it was an attempt to collect a debt

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I signed my wife and myself up for a XXXX international access pass prior to a trip overseas. When we landed, we both received texts stating we did not have an international plan and would be charged a ( relatively large ) daily access fee. We squandered over XXXX hours on vacation as a customer service rep insisted there was no record of a XXXX pass, and I had to convert the email confirmations I had received from her company to PDF and forward them to her to prove the plan did exist. Ultimately, the rep apologized profusely, and stated we would be enrolled in a XXXX plan immediately and at no charge, and all fees ( including the erroneous day-use fees ) would be removed. During the trip XXXX suffered a global outage and international service was interrupted for multiple days ; stranding us in the mountains with no maps or mobile access. A month after we returned home, we received our bill and discovered that none of the charges had been corrected. I made many attempts to resolve this with XXXX, and spent many hours on hold while they " reviewed '' my account, informed me they couldn't find any records, and repeatedly refused to send me copies of my own customer rep contact history so I could review them myself. I visited a store in-person, and they put me on the phone for assistance using a " XXXX  '' line. After spending XXXX minutes explaining the situation, the patient rep informed me she could do absolutely nothing but accept payment and needed to forward me to a different department that could " review my account. '' After greeting and spending nearly XXXX minutes explaining the situation to that rep, I discovered the line had gone dead -- a land line from a XXXX store to a XXXX rep -- and they had no way of contacting me. At no point did any representative from XXXX ever reach out to me to review the account ; I merely received robot texts insisting I owed XXXX money and linking to a payment processing system. 
Later, we received an email from the CEO acknowledging the multi-day global service outage, but there was no automatic refund -- we were told to fill out more paperwork if we wanted a refund for a service we were double-charged for and didn't receive. 
I paid every dime I owe XXXX, and could easily pay the {$300.00} they claim I still owe them, but out of principle I refuse to do so. I have never before experienced such a blatant example of extortion.

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 2025-06-13 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX  and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Hi : While paying my mortgage online in XX/XX/year>, a prominent Onity/PHH website message urged those effected by the XXXX XXXX to contact them & see if we qualified for assistance. So I phoned... 

I spoke at length to a rep named XXXX ID : XXXX from their customer resolution team. 

Because I wanted to be CERTAIN there was no confusion on my end about the assistance Onity/PHH was offering me, I walked thru the details several times, and underscored what he offered. Which was : Onity/PHH offered me a 3-month deferral, putting 3-months ' mortgage on the BACK of the loan. 

I learned 3 months after that call, the deferral offer XXXX confirmed was actually a forbearance. 

Although PHH sent me a letter detailing the forbearance ( not a deferment ), I didn't RECEIVE that letter till several weeks later. 

I called several times during the following 3 months, and spoke to several reps who CONFIMED i was in deferment and NOT forbearance. 

You can see where this is going... 

Through MY OWN efforts -- calling Onity/PHH incessantly because I suspected they screwed up -- I was able clarify that i was actually in forbearance, even tho their rep XXXX ID XXXX XXXX from customer resolution team repeatedly provided false information. 

I asked Onity/PHH to make good on the deferment they offered -- because I'd have never ACCEPTED the " deferment '' had i been told it was actually a " forbearance. '' ALSO : per Onity/PHH I applied for a Loan Mod to qualify for the " deferment '' they promised. I was denied.

I mean ... their rep blew it. I want PHH/Onity to take responsibility for their errors. Even if the loan carrier refuses, PHH/Onity itself needs to step up.

Can you help me?

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