vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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 silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting a repossession account on my credit file. I have repeatedly requested documentation proving I was the legal owner of the vehicle, but the creditor has never provided any supporting documentation or contract tying the repossession to me. 

Complaint Summary : XXXX XXXX XXXX XXXX is reporting a repossession on my credit report under account number XXXX. The balance is listed as {$860.00} and the account is marked as " Repossession '' since XX/XX/year>. 

I have formally disputed this account and requested documentation proving I was the legal owner or lessee of the repossessed vehicle, and therefore responsible for the debt. To date, I have received no proofno contract, no payment agreement, and no title transfer documents. 

The continued reporting of this repossession without any ownership validation violates my rights under the Fair Credit Reporting Act ( FCRA ). It is causing unjust harm to my credit and financial opportunities. 

I respectfully request that the CFPB investigate this matter and require XXXX XXXX XXXX XXXX to : remove from 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Omega RMS, LLC
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) and unlawful debt collection activity. 

I received communication from the above-named collection agency regarding an alleged debt with account number XXXX XXXX XXXX. I do not recognize this debt and immediately sent a written dispute and request for validation per my rights under 15 U.S.C. 1692g.

Despite this, the agency has : Continued collection efforts without providing any proof of the debt ; Threatened or harassed me, directly or indirectly ; Reported the alleged debt to credit reporting agencies without proper validation or marking it as disputed, in violation of FCRA guidelines. 

These actions are illegal and unethical. I am requesting that your office investigate this matter and take the appropriate regulatory or enforcement actions against [ XXXX XXXX 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/year> I was forgiven for my student loans due to being permanently XXXX. However I still have a high balance of almost XXXX reporting in my credit by 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 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I had a water claim on my house. Insurance made a payment for repairs. I sent the check to loan depot because they are my mortgage company. Loan Depot only released XXXX of the payment and requested a XXXX waiver and ordered an inspection on the property. The house has been ready for inspection since XX/XX/XXXX, and Loan Depot has been made aware of that, but they say that they cant find an inspector to do the inspection. I sent them photos of the repairs and they are still not releasing the money. I need to finish paying my contractor and materials purchased for the repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: OH

Complaint narrative:
Account XXXX XXXX # XXXX, I'M unaware of this debt and did not have the opportunity to dispute this account. if you believe you send proper notification please provide * Certified Mail * with receipt displaying my signature, if not please delete account # XXXXas soon as possible from my report or i will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent four written disputeseach spaced 35 days apart since XX/XX/XXXX, XXXXregarding an inaccurate item on my credit report. Specifically, a duplicate account is appearing with conflicting balances. I requested that the credit bureaus ( Experian, Equifax, and Transition ) conduct a thorough investigation into this matter. However, I have not received any response or update by mail or email in accordance with the Fair Credit Reporting Act. At this point, I am requesting immediate confirmation that my disputes have been received and properly investigated, and I expect prompt resolution of this erroneous reporting Accounts ( 2 ) XXXX  XXXX Account number with Transition and Experian : XXXX Account number with Equifax : XXXX XXXX  Account # XXXX is reporting a balance of {$3200.00} with TransUnion and Equifax , and {$3100.00} with Experian. 
Account # XXXX is reporting a balance of {$2800.00} with TransUnion and Equifax, and {$2700.00} with Experian.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have sent four written disputeseach spaced 35 days apart since XX/XX/XXXX, XXXXregarding an inaccurate item on my credit report. Specifically, a duplicate account is appearing with conflicting balances. I requested that the credit bureaus ( Experian, Equifax, and Transition ) conduct a thorough investigation into this matter. However, I have not received any response or update by mail or email in accordance with the Fair Credit Reporting Act. At this point, I am requesting immediate confirmation that my disputes have been received and properly investigated, and I expect prompt resolution of this erroneous reporting Accounts ( 2 ) XXXX  XXXX Account number with Transition and Experian : XXXX Account number with Equifax : XXXX XXXX  Account # XXXX is reporting a balance of {$3200.00} with TransUnion and Equifax , and {$3100.00} with Experian. 
Account # XXXX is reporting a balance of {$2800.00} with TransUnion and Equifax, and {$2700.00} with Experian.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card opened at XXXX XXXX on XX/XX/year> under the account number XXXX * * * *. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within 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 US 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 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 2025-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Klarna AB
State: NC

Complaint narrative:
It has been an amout showing on my account for over a year. They requested me to contact XXXX about the issue. I did, XXXX updated it on their side. But Klarna is still holding this amount after stating that they were going to looking into it for over 3 different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: DE

Complaint narrative:
I do not have an account with XXXX XXXX XXXX. However, they insist that I opened a XXXX account on XX/XX/year>. This information is false. I would like it removed from my credit report. Despite my requests, I have not received documentation, including my signature and proof of contract, from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: MD

Complaint narrative:
As per the guidance from the Consurger Financial Protection Bureau ( CFPB ) the document Ipseded and a letter trom an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 71 kindly request that you block this information from my credit report withen four business days, pursuant to section 605C of the Fair Credit Reporting i am a victim of data breach of Dett Bondage and would like for all listed accounts to be blocked and deleted company information XXXX XXXXXXXX XXXX Please delete the following accounts, edfinancial state ecu

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Experian. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Report, this company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. 

Violations Involved : - FCRA XXXX failure to properly investigate disputed information within 30 days. 
- FCRA XXXX ( a ) continued reporting of information known or reasonably known to be inaccurate. 
- Regulation V ( XXXXXXXX XXXX XXXXXXXX ) failure by furnisher to comply with direct dispute obligations. 

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 


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 2025-05-14 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late paym
ent ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX * * * * Balance : {$280.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-05-14 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: OH

Complaint narrative:
ransUnion previously deleted the XXXX XXXX XXXX account from my credit report after I filed a dispute. However, a few months later, the account was reinserted into my report without notifying me, which violates the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ). This section requires that I be notified within five business days if a previously deleted item is reinserted, but I never received any such notice from TransUnion.

This reinsertion has negatively affected my credit, and I believe it was done improperly. I am requesting that TransUnion remove the account again and provide a clear explanation of how it was verified and reinserted, including documentatio

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 2025-05-13 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: GA

Complaint narrative:
I am submitting this complaint because all three credit bureaus ( XXXX XXXX and TransUnion ) have failed to update the account information for my XXXX loan, even after I provided proof. The current reporting inaccurately shows that I owe a balance of {$6900.00}, when my most recent loan statement clearly shows an ending balance of {$5800.00}. 

I have contacted each bureau directly and submitted documentation supporting the correct loan balance, but the inaccurate information continues to be reflected on my credit reports. This misinformation is negatively affecting my credit profile and has impacted my ability to access fair credit opportunities. 

I am requesting that the Consumer Financial Protection Bureau assist in having the credit bureaus investigate and correct the account details for my XXXX loan based on the evidence I have provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I am submitting this complaint because all three credit bureaus ( XXXX XXXX and TransUnion ) have failed to update the account information for my XXXX loan, even after I provided proof. The current reporting inaccurately shows that I owe a balance of {$6900.00}, when my most recent loan statement clearly shows an ending balance of {$5800.00}. 

I have contacted each bureau directly and submitted documentation supporting the correct loan balance, but the inaccurate information continues to be reflected on my credit reports. This misinformation is negatively affecting my credit profile and has impacted my ability to access fair credit opportunities. 

I am requesting that the Consumer Financial Protection Bureau assist in having the credit bureaus investigate and correct the account details for my XXXX loan based on the evidence I have provided.

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 2025-05-14 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 submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the Equifax data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report. 
These include, but are not limited to : One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof.

I am requesting that all fraudulent accounts, collections, and inquiries related to the Equifax data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Moore Law Group
State: CA

Complaint narrative:
The Moore Law Group sent me a pre lawsuit letter to collect a alleged debt. In the letter the company states that they have authorization from their client to file a lawsuit. 
I responded with a Debt Validation letter requsting proof of the agreement between The Moore Law Group and alleged client. 
The Moore Law Group failed to provide me with the requested information to validate the debt. 
I also requested a full account number for the alleged account. The Moore Law Group failed to provide a accurate account number. The Moore Law Group only provided me the last 4 numbers to some unknown account. 
In the Debt Validation letter I also requested, A date that the alleged debt became payable. 

Date of original charge off/ deliquency Was this debt assigned to a debt collector or purchased Attached images show the debt validation letter in it's entirety, with all requested information Plus the original pre lawsuit letter and The Moore Law Group response letter to the debt validation letter.

This complaint was sent to the FTC as well as The Attorney General Office

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts and/or information reporting on my credir report. These remarks have been detrimental to my life and my credit health.

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