vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX {$3100.00}, XXXXXXXX XXXX XXXX  {$0.00}, XXXX XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX  {$16000.00}, XXXX XXXX XXXX XXXX {$420.00}, XXXX XXXX XXXX XXXX  {$820.00}, XXXX XXXX XXXX XXXX  {$190.00}, XXXX XXXX {$1600.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Midland Credit Management has been harassing me for MONTHS. Original account apparently purchased was closed XX/XX/XXXX with no derogatory marks. Which MCM apparently purchased XX/XX/XXXX. Between XX/XX/XXXX & XXXX XXXX I had no collections or derogatory marks on my credit. Midland Credit Managment then REOPENED the account and applied it to my credit as a derogatory marks & collections. They started calling many times a day from numbers that didn't show up MCM, but random computerized phone numbers. I tried to speak with MCM about this account. They wanted no part of it and continued the harassment. I was then served with papers XX/XX/XXXX - after responding, I still have NOT received any documentation for this account. I also contacted their laweyr- still no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OK

Complaint narrative:
All three major credit reporting agencieXXXX XXXX  and Equifaxare currently reporting late payments on several of my accounts that I dispute as inaccurate and incomplete. The accounts in question are as follows : XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX with a late payment reported on XX/XX/XXXX, showing a past due balance of {$0.00} XXXX account ending XXXX XXXXXXXX XXXX XXXX XXXX XXXX, with a late payment reported on XX/XX/XXXX, showing a past due balance of {$0.00XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX  with a late payment reported on XX/XX/XXXX, showing both balance and past due amounts as {$0.00} XXXX XXXX XXXX, account ending in XXXX XXXX XXXX XXXX XXXX, with a late payment reported on XX/XX/XXXX, showing a past due balance of {$0.00} What strikes me as deeply concerning is that all these reported late payments reflect a {$0.00} past due amount. This raises serious questions about the accuracy and completeness of the reporting. The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to maintain information that is accurate, complete, and verifiable. Reporting a late payment with no outstanding past due balance is misleading and does not reflect the true status of these accounts. Such entries can unjustly damage my creditworthiness and financial reputation. 

I have reason to believe that these late payments may have been reported in error or may be a result of outdated or incomplete data furnished to the credit bureaus. Furthermore, given the widespread issues with credit reporting inaccuracies and the risk of data breaches compromising consumer information, it is plausible that these entries have been affected by systemic problems beyond my control. 

Despite my efforts to address these discrepancies, the reports remain unchanged, suggesting that no thorough or reasonable investigation has been conducted to confirm the legitimacy of these late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act (

FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. Unauthorized Inquiries in Question : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2025-06-03 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: FL

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 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution of my prior dispute submitted on XX/XX/XXXX, concerning multiple unauthorized credit inquiries that continue to appear on my consumer report. Despite the time elapsed, I have not received any meaningful resolution or documentation in response. 
According to my rights under the Fair Credit Reporting Act ( FCRA ), I am protected from unauthorized access to my credit file and entitled to full transparency and corrective action when such access occurs. Specifically, I invoke the following sections : Applicable Legal Basis Section 611 ( 15 U.S.C. 1681i ) : Mandates that credit reporting agencies must promptly and reasonably investigate any disputed information. Over 30 days have passed since my initial dispute, and no proper reinvestigation or results have been provided.

Section 609 ( 15 U.S.C. 1681g ) : Grants me the right to obtain full disclosure of the information in my credit file, including a record of who accessed it and the results of any investigation. This has not been fulfilled.

Section 604 ( 15 U.S.C. 1681b ) : Defines the only permissible purposes under which my credit report may be accessed. These inquiries were made without my knowledge or consent and do not qualify under any allowable criteria. 
Unauthorized Inquiries in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I never authorized these inquiries, nor was I presented with any terms of credit, application, or consent relevant to these entities. 
Formal Request for Resolution I hereby demand the following actions be taken without further delay : Reinvestigation : Conduct a thorough and documented reinvestigation of each inquiry listed above.

Removal : Delete all inquiries found to lack a permissible purpose or valid consumer authorization.

Updated Credit Report : Provide me with an updated and corrected copy of my credit report once all unauthorized inquiries have been removed.

Verification Documents : Provide written documentation explaining the basis under which each inquiry was made, including certification of authorization or proof of any alleged consumer application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IA

Complaint narrative:
Equifax is currently reporting three charge-off accounts on my credit file, all of which I believe contain serious inaccuracies, outdated data, or unverifiable reporting that may violate my rights under the Fair Credit Reporting Act ( FCRA ). These accounts are : XXXX XXXX, account ending in XXXX * * * *, reported as charged off with a balance of {$2300.00}, dated XX/XX/XXXX XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX, reported as charged off with a balance of {$940.00}, dated XX/XX/XXXX XXXX XXXX XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX, reported as charged off with a balance of {$4900.00}, dated XX/XX/XXXX My primary concern lies with the XXXX  XXXX entry from XXXX. Under 15 U.S.C. 1681c ( a ) ( 4 ) of the FCRA, negative information such as a charge-off must not be reported more than XXXX years from the original date of delinquency. Given that this entry is over XXXX XXXX XXXX, its continued presence on my report is a clear violation of the FCRA and should have been purged long ago. Its existence XXXX indicate a failure by Equifax to maintain accurate and up-to-date records, which is especially troubling given the credit harm caused by such a derogatory listing. 

The XXXX XXXX XXXX account is also questionable. If the date of first delinquency precedes the reported charge-off date of XX/XX/XXXX by even a few months or years, this account could also be at or near the seven-year reporting limit. Yet Equifax has not provided transparent documentation to show when the account actually first became delinquent, making it difficult to confirm whether it is legally eligible for reporting. 

The XXXX account from XX/XX/XXXX raises separate concerns. I have not received sufficient documentation from Equifax or the furnisher that verifies this debt or the details associated with it. Given known systemic reporting issues with Equifax, including incomplete verifications and inaccurate tradelines, I have legitimate doubts about the accuracy of this record. I have attempted to resolve this matter through previous disputes, but there is no evidence that a proper or thorough reinvestigation took place, as required by 15 U.S.C. 1681i.

Its important to also highlight that Equifax has been the subject of multiple consumer complaints and regulatory scrutiny regarding mishandling of credit data, failure to correct inaccuracies, and negligent reporting practicesespecially in the wake of massive data breaches. Given these patterns, the possibility that any of these accounts were improperly reported, duplicated, or never verified is entirely plausible and must be investigated with urgency and seriousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am a XXXX XXXX veteran, XXXX XXXX XXXX, and have made 19 years of faithful mortgage payments. I originally borrowed {$110000.00} and had a second mortgage of {$22000.00}, which I took in good faith to improve my home and stay XXXX is second loan number XXXX That second mortgage added XXXX XXXXXXXX to my payments. I often made XXXX payments a month, but the lender raised the payment to {$220.00}. Even after my wife and I saved the money to pay off that second mortgage, they found new ways to keep raising the interest on the firstpunishing us for getting ahead. 

Every time we tried to gain ground, they either raised the rate or restructured the terms to keep the money flowing. Its kept us trapped in a debt cycle weve tried desperately to escape. 

Ive paid well over {$150000.00}, not even counting the second. Yet I still owe over $ XXXX the interest has climbed tXXXX XXXX XXXX  with the threat of going as high as XXXX XXXX XXXXhats not lending. XXXX abuse. 

These people are worse than loan sharkswho at least break your legs up front. This lender has been bleeding us month after month, raising rates after we paid off the second mortgage, and hiding balloon terms in fine print. 

I am demanding : A fixed-rate loan that reflects 19 years of consistent payments Removal of any balloon clause A review of their predatory and retaliatory practices Fair credit for the overpayment and full payoff of the second mortgage As a veteran and senior citizen, I have been taken advantage of by this company. This is unethical, predatory, and it must be addressed. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Account XXXX XXXX XXXX XXXXXXXX I'm unaware of this debt and not have the opportunity to dispute this account. If you believe you have sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX 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 2025-06-03 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am submitting this FTC Identity Theft Affidavit to report five fraudulent accounts on my Equifax credit report that I do not recognize. These accounts are the result of identity theft and include : an educational account at 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have led to multiple fraudulent hard inquiries and collections on my credit report. I request the removal of these fraudulent items from my credit reports and that all related collection activity cease, in accordance with my rights under the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
To Whom It May Concern, Im writing to formally dispute the handling of my student loan account currently managed by MOHELA. Ive experienced what I believe to be serious errors in the administration of my loan, and I am requesting a thorough review and correction.

Specifically : My loan history reflects payments that were not properly credited.

I was led to believe I qualified for forgiveness under Income-Driven Repayment, but my progress was either inaccurately calculated or entirely disregarded. 
In some cases, I received inconsistent or misleading communication about my loan status, repayment options, and forgiveness eligibility. 
Ive also noticed my account showed due payments even after I submitted documents and received confirmation of processing. 

I am aware that MOHELA is currently under investigation and facing lawsuits for alleged mismanagement of student loan servicing, including overcharging borrowers and mishandling forgiveness applications. These systemic issues raise serious concerns about the integrity of my loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CBC Companies, Inc.
State: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation