vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: AZ

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian ARIZONA XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax Despite my lawful request , you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 2025-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My mortgage is held by XXXX XXXX mortgage company which is extremely difficult to get a hold of. I tried calling several times and sent multiple emails with no reply. 

They failed to pay XXXX XXXX property taxes. I am now being threatened by XXXX XXXX and am at risk of foreclosure. 

This letter serves as formal notification that we have received a notice indicating that property taxes for the property located in XXXX XXXX remain unpaid. 

This matter is both urgent and serious. You are hereby required to resolve this delinquency immediately. Failure to do so will result in legal action to recover any costs, penalties, or damages resulting from your noncompliance. 

Please be advised that any negative impact on our credit standing, additional fees, or accrued interest incurred due to this delinquency will be rectified at your sole expense. We will pursue all available legal remedies to ensure our interests are protected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Acrisure Mortgage Partners, LLC
State: FL

Complaint narrative:
Dear Sir/Madam, My name is XXXX XXXX XXXX I am writing this e-mail to ask for help with the money the XXXX XXXX stole. I started the process of buying a house on XX/XX/XXXX. XXXX requested a down payment of {$5000.00} before closing costs from my account at XXXX XXXX XXXX  and XXXX XXXX. The same company sent me to RMC Home Mortgage for the loan application. However, the RMC Home Mortgage promised I would qualify for the loan on XX/XX/XXXX ; this company requested my first orientation after paying {$540.00} for the appraisal on XX/XX/XXXX. XXXX day before the closing on XX/XX/XXXX, the loan officer for RMC Home Mortgage, XXXX XXXX XXXX, called me on the phone and said the loan was denied on XX/XX/XXXX. 
Finally, XXXX decided not to refund my {$5000.00} down payment, and it sent me a XXXX with a balance of XXXX without any explanation as to why it took all my money. For this purpose, I need your help to get my money back into my accounts. 
I appreciate your consideration of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MI

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Please delete and block the following accounts from my credit report Accounts MIDLANDCRE - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number XXXX XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$7300.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX XXXX Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} Inquiries XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I demand their blocking and deletion within 4 days : 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 XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * XXXX * * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX  - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$54.00} XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX XX/XX/XXXX- Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX  XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX  XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX  XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} XXXX/XX/XX/XXXX- Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XX/XX/XXXXXXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX CXX/XX/XXXX Date : XX/XX/XXXX XX/XX/XXXXDate : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XX/XX/XXXXDate : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
I leased a XXXX  Kia XXXX. I kept the account in good standing during the duration of the loan. When my lease was up, I decided to purchase a new vehicle. I returned the vehicle in good condition, the account was paid and up to date which was noted on the account when I returned the vehicle. Currently the account is showing Charged off on my credit report. After reaching out to Kia Motor Finance, I was told that the account should not be reported as charged off and specifically, I had an unpaid tax of XXXX that is causing the account to show as charged off. This tax was assessed AFTER I returned the vehicle and I was unaware that it was due. The representative that I spoke with also confirmed that an unpaid tax should not cause the entire account to show as charged off.

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 2025-05-26 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: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my XXXX credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Account in Question : Creditor Name : American Profit Recovery Original Creditor : Unlimited Landscaping Account Number : XXXX Balance Reported : {$100.00} Original Balance : {$69.00} Date Opened : XX/XX/XXXX Reported Status : Collection account. {$100.00} past due as of XX/XX/XXXX. 

Reason for Dispute : The information reported by this collection agency is inaccurate and misleading. Specifically : The original balance of {$69.00} has been inflated to {$100.00} without a clear explanation or documentation. 

This account is marked as still past due, despite a reported " paid off '' status in your balance details section. 

The account is being reported monthly even though the balance is under {$100.00}, and according to FICO Score 8 guidelines, collections under {$100.00} should not impact my XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
Subject : Formal Dispute under the FCRA Request for Correction of Inaccurate Late Payment Reporting I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ), to challenge inaccurate late payment information being reported on my credit file by Equifax for the account XXXX XXXX XXXX account number XXXX. 

Upon reviewing my credit report, I identified that XXXX late payments are being reported for the months of XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year> on the referenced account. I am attaching proof that these payments were in fact made on time ( see attached bank statements or payment history ). 

According to 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to report data that is accurate and complete. Reporting on-time payments as late constitutes a direct violation of this statute. Moreover, credit reporting agencies are obligated under 1681i ( a ) ( 5 ) to delete or correct any information that is inaccurate or unverifiable within 30 days. 

I hereby request a complete reinvestigation of this account. If the data can not be properly verified with objective documentation from the original creditor, it must be deleted or corrected immediately. 

Please update my credit file accordingly and provide me with a written confirmation of the results of your investigation. I have included copies of my credit report and payment documentation for your review. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : 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 XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts InquirXXXX XXXX Date : XX/XX/year>

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 2025-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Account DEPT OF EDUCATION/NELN # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I mail in XXXX copies of my student loan checks from XXXX to XXXX XXXX at Nelnet Inc. ( as per her request ) I was not aware Nelnet Inc did not posted my payments to the student loans balance until I received the letter from the IRS in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Receive a letter from Experian stating that my identity theft report that I filed with the FTC is not acceptable stating that I did not identify myself. I actually sent in proper documentations on the report that I actually filed with the cfpb and attach all proper identification and information on my previous address as well as my identification receiving information stating that I did not send in-profit information and they have yet to respond to my complaints that I have filed on the cfpb. I have not received any response or rebutal back from the experian, TransUnion or XXXX in the matter of fraud that has been transferring on my credit report. Information is inaccurate and they constantly come and say that this information is accurate and therefore I have put in proper documentations showing that I have filed for a identity theft and was rewarded identity theft in this matter but therefore they are not honoring the identity theft that has been applied to my account

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 2025-05-26 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: FL

Complaint narrative:
Between XXXX and XXXX, I submitted multiple disputes through the CFPB regarding numerous accounts being reported on my credit file without verification, investigation, or lawful authority. These accounts include charged-off and collection accounts from agencies such as Portfolio Recovery XXXX XXXX Funding, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with reported balances ranging from {$180.00} to over {$7000.00}. 

Despite my repeated requests, none of the companies provided proof of a valid contract, wet ink signature, or legal chain of title. Instead, the accounts were returned as " verified '' through automated systems with no documentation. No reinvestigation was performed as required by 15 U.S.C. 1681i, and no validation of debt was provided under 15 U.S.C. 1681s-2.

I also did not give any third-party debt collectors or furnishers permission to report or use my personal information, in violation of 15 U.S.C. 1681b and the Gramm-Leach-Bliley Act ( GLBA ). My private credit data was misused, and some of these entities appear to have securitized my alleged debt without consent. 

I am now filing this FTC report because my identity, creditworthiness, and consumer rights have been repeatedly violated. I have demanded the deletion and blocking of all unverifiable accounts and that no data be reinserted. I request the FTC investigate these violations and that any compensation deemed appropriate be awarded to the original source of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
Between XXXX and XXXX, I submitted multiple disputes through the CFPB regarding numerous accounts being reported on my credit file without verification, investigation, or lawful authority. These accounts include charged-off and collection accounts from agencies such as Portfolio Recovery XXXX XXXX Funding, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with reported balances ranging from {$180.00} to over {$7000.00}. 

Despite my repeated requests, none of the companies provided proof of a valid contract, wet ink signature, or legal chain of title. Instead, the accounts were returned as " verified '' through automated systems with no documentation. No reinvestigation was performed as required by 15 U.S.C. 1681i, and no validation of debt was provided under 15 U.S.C. 1681s-2.

I also did not give any third-party debt collectors or furnishers permission to report or use my personal information, in violation of 15 U.S.C. 1681b and the Gramm-Leach-Bliley Act ( GLBA ). My private credit data was misused, and some of these entities appear to have securitized my alleged debt without consent. 

I am now filing this FTC report because my identity, creditworthiness, and consumer rights have been repeatedly violated. I have demanded the deletion and blocking of all unverifiable accounts and that no data be reinserted. I request the FTC investigate these violations and that any compensation deemed appropriate be awarded to the original source of credit.

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