vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit files with the three major credit bureaus ( Experian, Equifax, and TransUnion ) contain numerous items of inaccurate, fabricated, and fraudulent personal identifying information. This includes several aliases ( " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fictitious addresses ( including XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ), and false employment data ( " XXXX XXXX XXXX '' and " XXXXXXXX XXXX XXXX ). This inaccurate information is negatively impacting my credit profile.

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 2025-10-06 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:
XXXX'Dear CFPBXXXXI hope this message finds you well. XXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forwardXXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx. 7XXXX 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 2025-10-06 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:
XXXX'Dear CFPBXXXXI hope this message finds you well. XXXXI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forwardXXXXThank you for your attention to this matter. I look forward to your prompt response.XXXXSincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx. 7XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: VA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-06 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: VA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am disputing the debt reported under my name because it is not mine and is preventing me from acquiring new lines of credit. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information and request its prompt investigation and removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
The account XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX account number XXXX was sold off to XXXX XXXX XXXX XXXX XXXX. Since then this has been settled and deleted off by XXXX but XXXX XXXX XXXX still reporting it duplicate on my credit report. They no longer own the account and Experian refuses to remove it off. This account has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: NV

Complaint narrative:
am writing in regard to my credit file maintained by your agency. In a prior dispute, I requested an investigation into the following item ( XXXX ), which I believe to be inaccurate : XXXX XXXX XXXX Account Number XXXX I have recently received your response indicating that the item ( XXXX ) were verified as accurate. However, pursuant to my rights under the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), I am requesting the Method of Verification ( MOV ) you used to determine the accuracy of this account. 

Please provide the following : The name, address, and telephone number of the entity or person you contacted during the verification process. 

A detailed description of the procedure your office used in conducting this investigation. 

The documents, records, or information that were relied upon to verify the accuracy of the disputed item. 

As stated in FCRA 611 ( a ) ( 7 ), I have the legal right to this information. I request that you provide it to me within the statutory timeframe of 15 days.

If you are unable to provide this information, the account must be deleted from my credit file immediately as unverified and inaccurate. 

Please send your response to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
am writing in regard to my credit file maintained by your agency. In a prior dispute, I requested an investigation into the following item ( XXXX ), which I believe to be inaccurate : XXXX XXXX XXXX Account Number XXXX I have recently received your response indicating that the item ( XXXX ) were verified as accurate. However, pursuant to my rights under the Fair Credit Reporting Act, Section 611 ( 15 U.S.C. 1681i ), I am requesting the Method of Verification ( MOV ) you used to determine the accuracy of this account. 

Please provide the following : The name, address, and telephone number of the entity or person you contacted during the verification process. 

A detailed description of the procedure your office used in conducting this investigation. 

The documents, records, or information that were relied upon to verify the accuracy of the disputed item. 

As stated in FCRA 611 ( a ) ( 7 ), I have the legal right to this information. I request that you provide it to me within the statutory timeframe of 15 days.

If you are unable to provide this information, the account must be deleted from my credit file immediately as unverified and inaccurate. 

Please send your response to the address listed above.

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 2025-10-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: MRS BPO, LLC
State: AL

Complaint narrative:
I called XXXX XXXX account and billing department on XX/XX/year> and was informed they no longer have the debt. Then I was directed to a company that I never heard of and did not give consent to have my personal information sold to.The amount of the bill is {$2500.00} This decision goes against the Gramm Leach Bullet Act and FRCA regulations. I would like to have this account removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
This is a continuation and update to my prior CFPB complaint # XXXX, which was closed on XX/XX/year>. 

Since that time, the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Maryland has issued an Order Reopening my XXXX  XXXX case ( No. XXXX ) on XX/XX/year>, to allow me to file an Adversary Proceeding to Determine Dischargeability of Certain Debts. 

This new court order directly contradicts the Department of Educations prior response to the CFPB dated XX/XX/year>, in which they claimed my XXXX XXXX was not XXXX. 

The Department of Education and its contractor Maximus / Default Resolution Group continue to report and collect on this debt despite notice of my bankruptcy discharge and the reopened case. 

Their actions appear to violate 11 U.S.C. 524 ( a ) ( discharge injunction ) and 34 C.F.R. 685.211 ( f ) ( loan reduced to judgment not eligible for rehabilitation ). 

I am requesting CFPB oversight and referral to the Department of Education Office of Inspector General for review of how Maximus and DOE handle borrower bankruptcy accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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:
I am disputing this reinserted account pursuant to 15 U.S.C. 1681c-2 and request that this fraudulent account be blocked or removed immediately.

I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence.

Under 15 U.S.C. 1681c-2, credit reporting agencies must block fraudulent information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this with TRANSUNION, the following fraudulent account was reinserted on my credit report : XXXX XXXX  - XXXX This reinsertion is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification, yet TRANSUNION, reinserted it without proper validation.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), reinsertion of deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law.

I urge the CFPB to ensure TRANSUNION, complies with the law by blocking this fraudulent account immediately and confirming the action.

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 2025-10-06 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: PA

Complaint narrative:
Iam writing to address an issue I recently discovered upon reviewing my credit report. 
It has come to my attention that a creditor has made an inquiry into my credit report without my authorization, resulting in a decrease in my credit score. 
I am concerned about the legality of this action. As far as I am aware, creditors are not permitted to pull a credit report without proper authorization from the individual. If this is indeed the case, I requesti that you promptly remove this unauthorized inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: PA

Complaint narrative:
Iam writing to address an issue I recently discovered upon reviewing my credit report. 
It has come to my attention that a creditor has made an inquiry into my credit report without my authorization, resulting in a decrease in my credit score. 
I am concerned about the legality of this action. As far as I am aware, creditors are not permitted to pull a credit report without proper authorization from the individual. If this is indeed the case, I requesti that you promptly remove this unauthorized inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NC

Complaint narrative:
Debt Validation Request Account # XXXX To Hunter Warfield ( Debt Collectors ) I am disputing the debt you claim I owe for the above account. I request full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ). 
According to official documentation from the original creditor, XXXX XXXX XXXX, my final bill dated XX/XX/XXXX shows a balance of only {$32.00}. This statement was issued and signed by the XXXX XXXX XXXX of XXXX XXXX XXXX. 

In contrast, your letter dated XX/XX/XXXX claims I owe {$840.00} in principal + XXXX  % interest which as of XX/XX/XXXX has = {$850.00}, and offers a settlement of {$510.00}. These amounts do not match the verified statement from the original creditor. 

Because of this discrepancy, I demand that you provide : XXXX. Written proof that I am legally responsible for this debt. 
XXXX. A full itemized statement from XXXX XXXX XXXX showing how the balance you claim ( {$850.00} ) was calculated. 
XXXX. Documentation confirming the true amount owed. 
Be advised that your actions appear to be in violation of : FDCPA : 15 U.S.C. 1692e ( 2 ) ( A ) Misrepresenting the amount of debt.

15 U.S.C. 1692e ( 10 ) Using deceptive means to collect.

15 U.S.C. 1692g ( b ) Continuing collection without proper validation.

FCRA : 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate information to credit bureaus.

15 U.S.C. 1681s-2 ( b ) Failing to correct or delete inaccurate information after a dispute. 
Since I already hold proof from XXXX XXXX XXXX, sent from the Assistant Community XXXX themselves ; I require that you provide proper validation within XXXX hours to XXXX business days of receiving this notice. If you can not, you must immediately request deletion of this account from all credit bureaus. 

If you fail to comply, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), attaching : The final bill from XXXX XXXX XXXX showing {$32.00} owed. 
Your demand letter for {$850.00}. 
Proof of misrepresentation of the debt amount. 
If you agree to delete this account from all credit bureaus, you must provide written confirmation by both email and mail before I submit any payment. 

All communication must be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: CMG Financial Services, Inc.
State: CO

Complaint narrative:
CMG Financial is apparently involved in a 'transition '. 

I can not get needed information about out my mortgage, although I have tried repeatedly by every venue available to me. The web address responds with an error message and my repeated phone calls are not answered.. THERE IS NO WAY TO CONTACT THE COMPANY!!! 

When I access my account online, the only info that is presented is current amount due and payment date XXXX for XXXX XXXX. There is no historical information although I have had this mortgage for a LONG TIME and detailed historical information has been available in the past. 

I need interest info for XXXX to file with my XXXX fed/state taxes due XX/XX/XXXX. This info has been readily available in he past. 

HELP HELP HELP THERE IS NO WAY FOR EXISTING CUSTOMERS TO CONTACT THIS COMPANY. -- THEY ARE ONLY INTERESTED IN SALES NOT SERVICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
There are multiple inaccuracies on this account and I have been charged continously after the account was already closed. This violates my rights and the fair credit act. 

XXXX RC/Resurgent receivabl

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. Collections West, Inc.
State: IL

Complaint narrative:
I am filing this complaint against US Collections West for reporting an account with discrepancies in balance, dates, and account ownership that have not been verified. 
Despite multiple disputes, this company has failed to provide validation proving that the account belongs to me or that it is being reported accurately under Metro 2 and FCRA 1681i guidelines. 
This continued reporting of unverified information is a direct violation of FCRA 1681s-2 ( b ).

Company response to consumer: Closed with explanation