vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: TN

Complaint narrative:
I am submitting this follow-up complaint regarding my prior dispute of numerous inaccuracies on my Equifax credit report. Despite my earlier complaint, the report continues to show incorrect accounts, collections, a repossession, unauthorized inquiries, and inaccurate personal information. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  still reflects a balance of {$610.00}, XXXX XXXX XXXX XXXXXXXX shows incorrect payment status, XXXXXXXX XXXX XXXXXXXX reports {$5300.00}, XXXX XXXX XXXX XXXX reports {$2000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows {$1400.00}, and XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  shows {$1400.00}. 
Unauthorized inquiries, including the XXXX inquiry dated XX/XX/year>, remain on my report. My personal information continues to be inaccurate, listing the incorrect name and addresses instead of XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
These continued inaccuracies violate FCRA 1681e ( b ), 1681i ( a ) ( 1 ), and 1681s-2 ( a ) ( 1 ) ( A ), and are harming my creditworthiness while misrepresenting my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TN

Complaint narrative:
I am submitting this follow-up complaint regarding my prior dispute of numerous inaccuracies on my Equifax credit report. Despite my earlier complaint, the report continues to show incorrect accounts, collections, a repossession, unauthorized inquiries, and inaccurate personal information. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  still reflects a balance of {$610.00}, XXXX XXXX XXXX XXXXXXXX shows incorrect payment status, XXXXXXXX XXXX XXXXXXXX reports {$5300.00}, XXXX XXXX XXXX XXXX reports {$2000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows {$1400.00}, and XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  shows {$1400.00}. 
Unauthorized inquiries, including the XXXX inquiry dated XX/XX/year>, remain on my report. My personal information continues to be inaccurate, listing the incorrect name and addresses instead of XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
These continued inaccuracies violate FCRA 1681e ( b ), 1681i ( a ) ( 1 ), and 1681s-2 ( a ) ( 1 ) ( A ), and are harming my creditworthiness while misrepresenting my financial history.

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 2025-10-16 00:00:00
Product: Mortgage — VA 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: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
In XXXXXXXX XXXX, I began working with Mr. Cooper to finalize a VA loan modification. I submitted all required paperwork, including a recorded quitclaim deed removing my ex-spouse from title and liability. Despite multiple submissions ( including by email on XX/XX/XXXX ), Mr. Cooper never issued a corrected loan modification listing only me as borrower. 

On XX/XX/year>, I submitted a Qualified Written Request ( QWR ) and Notice of Error under RESPA, requesting : A corrected loan modification agreement in my name alone ; Written explanation for the delay ; Full accounting of my loan status ; Confirmation that the modification had not been finalized or reported as such. 

Mr. Cooper failed to acknowledge my request within 5 business days or provide a substantive response within 30 business days, as required by RESPA ( 12 CFR 1024.35 ). The only response I received was a vague letter dated XX/XX/XXXX, stating the modification was still pending recording despite having told me previously that delays were their fault. 

Then, without resolution, Mr. Cooper transferred the loan to XXXX XXXX on XX/XX/year>. The modification was never completed. No corrected agreement was provided. Yet during this period, Mr. Cooper reported me delinquent and assessed over {$8000.00} in charges and arrearsdespite their own delay causing the problem. 

This violates multiple parts of RESPA and Regulation X : Failure to timely respond to QWR ; Imposing fees during open error resolution ( 1024.35 ) ; Potential dual-tracking violation ( 1024.41 ( g ) ) while modification was unresolved ; Transferring servicing without resolving an active dispute. 

I believe Mr. Cooper may have falsely reported to the VA that the modification was complete in order to claim incentive payments, even though they never issued the required agreement. I kept all correspondence and recorded calls. 

I am now dealing with XXXXXXXX XXXX, who inherited the unresolved dispute and delinquency caused by Mr. Coopers mishandling. Im seeking help to correct this and remove all improper charges and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX Balance {$1200.00} Original Creditor 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  Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX Balance {$1200.00} Original Creditor 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 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 Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX  Balance {$1200.00} Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX Balance {$1200.00} Original Creditor 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  Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX Balance {$1200.00} Original Creditor 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 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 Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX  Balance {$1200.00} Original 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX  -- {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Pacific Credit Exchange that was issued on XXXX XXXX stating that I owe {$4200.00} to XXXX XXXX XXXX and that there is a judgment against me from XXXX but for some reason on my credit they had reopened in XXXX. Given false information on my credit when it was opened in XXXX not XXXX & a balance is owed of the amount $ XXXXwhich is false. The letter also mentions a possible Writ of Execution. 

I have not been contacted about this debt or judgment in nearly seven years, and this is the first time since XXXX that the company has reached out. I have serious concerns that this communication may violate the Fair Debt Collection Practices Act ( FDCPA ) and Californias Rosenthal Fair Debt Collection Practices Act, as it may be misleading, threatening, and lacking proper validation. Especially with unprofessionally statement of this letter.

The company did not provide any current verification of the debt, nor have they provided documentation of any court renewal or proof that they are legally entitled to collect.

I am requesting that the CFPB review Pacific Credit Exchanges collection practices to ensure they are following all federal and state consumer protection laws and that they provide me with full validation of this alleged debt and judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
I provided to proof to Equifax that these accounts are fraudulent and were clearly opened when I was a minor. None of the other bureaus are reporting these accounts. I want a heavy penalty imposed on Equifax for reporting them inspite of FTC and Police Complaints. They have always been a bureau that leaks information and promotes fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TN

Complaint narrative:
In XX/XX/year>, I discovered I was a victim of identity theft when fraudulent accounts appeared on my credit reports from all three major credit bureaus ( TransUnion, Equifax, and Experian ). The fraudulent accounts included credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as well as a loan from XXXX, with fraudulent charges since the accounts were opened without my knowledge or consent. 

On XX/XX/year>, I filed an official FTC Identity Theft Report ( Report Number : XXXX ) detailing the fraud and submitted fraud block requests to all three bureaus under Section XXXX of the Fair Credit Reporting Act ( FCRA ), which requires them to block fraudulent information within XXXX business days of receiving a valid request, including the FTC report and proof of identity. 

Initially, the fraudulent accounts were blocked, but XXXX or more reappeared on my credit reports shortly after. I resubmitted the requests with additional details, but the bureaus have not complied : TransUnion denied the block on XX/XX/year> ( XXXX XXXX : XXXX ), citing missing account-specific information ( despite account numbers differing across bureaus ) and account history ( e.g., possible payments or the account predating the reported fraud discovery ). They claimed it was up to the creditors to agree and initiated a XXXX investigation, but more than XXXX business days have passed without removal, violating FCRA timelines XXXX As of XX/XX/year>, the account remains on my TransUnion report, negatively impacting my XXXX XXXX and leading to unwarranted collection attempts. 

Equifax and Experian have similarly failed to permanently block or remove the reappeared fraudulent accounts despite my submissions, allowing them to persist on my reports beyond the XXXX requirement. I have not received adequate responses or resolutions from them, and the accounts continue to harm my credit. 

I have contacted the creditors fraud departments ( e.g., XXXX, XXXX XXXX ) requesting fraud confirmations and cessation of reporting, but the bureaus delays and denials have prevented resolution. This ongoing issue has caused financial stress, including denied credit opportunities and potential job impacts due to the inaccurate reports. 

I request that all three bureaus ( TransUnion, Equifax, Experian ) immediately block and remove the fraudulent accounts as required by FCRA, provide written confirmation, and correct 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 2025-10-16 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: TN

Complaint narrative:
In XX/XX/year>, I discovered I was a victim of identity theft when fraudulent accounts appeared on my credit reports from all three major credit bureaus ( TransUnion, Equifax, and Experian ). The fraudulent accounts included credit cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as well as a loan from XXXX, with fraudulent charges since the accounts were opened without my knowledge or consent. 

On XX/XX/year>, I filed an official FTC Identity Theft Report ( Report Number : XXXX ) detailing the fraud and submitted fraud block requests to all three bureaus under Section XXXX of the Fair Credit Reporting Act ( FCRA ), which requires them to block fraudulent information within XXXX business days of receiving a valid request, including the FTC report and proof of identity. 

Initially, the fraudulent accounts were blocked, but XXXX or more reappeared on my credit reports shortly after. I resubmitted the requests with additional details, but the bureaus have not complied : TransUnion denied the block on XX/XX/year> ( XXXX XXXX : XXXX ), citing missing account-specific information ( despite account numbers differing across bureaus ) and account history ( e.g., possible payments or the account predating the reported fraud discovery ). They claimed it was up to the creditors to agree and initiated a XXXX investigation, but more than XXXX business days have passed without removal, violating FCRA timelines XXXX As of XX/XX/year>, the account remains on my TransUnion report, negatively impacting my XXXX XXXX and leading to unwarranted collection attempts. 

Equifax and Experian have similarly failed to permanently block or remove the reappeared fraudulent accounts despite my submissions, allowing them to persist on my reports beyond the XXXX requirement. I have not received adequate responses or resolutions from them, and the accounts continue to harm my credit. 

I have contacted the creditors fraud departments ( e.g., XXXX, XXXX XXXX ) requesting fraud confirmations and cessation of reporting, but the bureaus delays and denials have prevented resolution. This ongoing issue has caused financial stress, including denied credit opportunities and potential job impacts due to the inaccurate reports. 

I request that all three bureaus ( TransUnion, Equifax, Experian ) immediately block and remove the fraudulent accounts as required by FCRA, provide written confirmation, and correct my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XX/XX/XXXX Midland Credit Management XXXX. 
XXXX XXXX XXXX XXXX XXXX  Dear Midland Credit Management Inc., This letter is in response to your communication dated XX/XX/XXXX, regarding an alleged debt. 
I am writing to formally request validation of the debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). 
This is not a refusal to pay, but a demand for validation made pursuant to my rights under federal law. Until you provide the information requested below, you must cease all collection activities, including reporting this debt to credit bureaus. 
Please provide me with the following information and documentation concerning this alleged debt : The total amount of the debt, including any fees or interest. 
The name and address of the original creditor. 
Documentation proving that I am legally obligated to pay this debt, such as a copy of the original contract or agreement bearing my signature. 
A copy of any judgment, if applicable. 
The date the alleged debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Your license to collect debts in my state. 
If you have already reported this debt to any credit reporting agency, you must inform them that the debt is disputed. Reporting or failing to correct inaccurate information may violate the Fair Credit Reporting Act. 
Thank you for your prompt attention to this matter. I expect a response within the legally mandated XXXX timeframe. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: CA

Complaint narrative:
Our home was foreclosed while I was in the middle the loan modification review. our lender continuously requested bank statements and pay stubs as well as any other supporting documentation, however, the lender did not cooperate with me and proceeded to foreclose my property. The lender had appointed a point of Contact to take care of modification process and as you can see they not did not give us an answer but they never dined my loan modification or gave as a 30 day period to appeal any decision Our home was foreclosed while I was in the middle the loan modification review. our lender continuously requested bank statements and pay stubs as well as any other supporting documentation, however, the lender did not cooperate with me and proceeded to foreclose my property. The lender had appointed a point of Contact to take care of modification process and as you can see they not did not give us an answer but they never dined my loan modification or gave as a 30 day period to appeal any decision, I strongly believe that the Lender failed to comply with civil code 2923.6, 2924.10 2924.12, 2924.18, 2924.19 as part of SB900 commonly known as " The Homeowners Bill of Right And It was wrongly placed on other websites and on XXXX owner/tenant never received notification intent to sell owner/tenant is not selling all has no interest in selling

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$18000.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$1500.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/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 2025-10-16 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: UT

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$1600.00} Original creditor XXXX XXXX XXXX Balance : {$1000.00} Original creditor XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance ; {$640.00} Original creditor XXXX XXXX Balance : {$590.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX Balance : {$590.00} XXXXXXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT, XXXX

Company response to consumer: Closed with non-monetary relief