vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: PA

Complaint narrative:
I am filing this complaint to report ongoing violations of my rights under the Fair Credit Reporting Act ( FCRA ) by [ Credit Bureau or Agency Name ]. This agency has willfully and negligently failed to comply with federal law in connection with the continued reporting of an unverified public record specifically a Chapter XXXX Bankruptcy which remains on my credit file without verified evidence from the source court. 

The law is clear : under 15 U.S. Code 1681 ( a ) ( 4 ), XXXX recognized the consumers right to privacy and required that all consumer reporting agencies operate with fairness, impartiality, and respect for the consumers right to privacy. By continuing to report unverifiable or inconsistent public record data, the agency has violated this right. 

The record in question, XXXX Bankruptcy XXXX XXXX XXXX. XXXX dated XX/XX/year>, appears across multiple credit reports with inconsistent details and court identifiers. This lack of uniformity violates FCRA 602, 607, 611, and 623, as well as XXXX accuracy and integrity standards, which require that all data furnished to consumer reporting agencies be verifiable, identical, and complete. 

Further, the XXXX  and XXXX XXXX XXXX breaches compromised my personally identifiable information, rendering any data reported or furnished during or after that period inherently unreliable and unverifiable under FCRA standards for accuracy and consumer privacy. 

Despite my prior written disputes, the agency failed to provide documented verification directly from the bankruptcy court. The absence of verifiable documentation means the account can not be legally reported and must be deleted immediately under FCRA 611 and 623.

If this information is not deleted or fully verified by the original source court, this will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, both of which allow for civil damages, attorneys fees, and court costs. 

I have already escalated this matter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission due to repeated violations and disregard for federal privacy protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the erroneous late payment notations on my accounts violate 15 U.S.C. 1666. I have consistently made all payments on time, and any discrepancies in these records are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: CO

Complaint narrative:
My mortgage with XXXX was sold to Selene Finance. Prior to the transfer of my loan to XXXX I was in an approved repayment plan with XXXX. It was a 12 month payment plan that started on XX/XX/XXXX and ended on XX/XX/XXXX. The loan was transferred to Selene on XX/XX/XXXX. Every payment was paid on time during the plan and my account was restored to the standard payment on XX/XX/XXXX. Everything looked good with Selene until I made my XX/XX/XXXX payment. Their system showed I missed a payment so I called Selene customer service to let them I know I never missed a payment. The agent investigated it and said for some reason I had money in a suspense account and she would open a case to resolve the issue. Five months later and 10 phone calls and the issue still has not been resolved. I provided them all of my bank statement proving every mortgage payment was paid on-time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am a consumer working to correct my credit report and have noticed discrepancies regarding certain accounts and inquiries on my credit file. I respectfully request a reinvestigation of the following accounts and inquiries across the three major credit bureaus. 
Charged Off Accounts : XXXX BANK ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

XXXX  XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$460.00}. Please verify and provide the correct status for this account. 

XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and provide the correct status for this account. 

Inquiries : XXXXXXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Please remove it from my credit report. 

XXXXXXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Please remove it from my credit report. 

XXXX XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Please remove it from my credit report. 

XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Please remove it from my credit report. 

Late Payments : XXXX ( Account : XXXX ) Dispute : The late payment listed for this account is incorrect. Please verify and correct the status. 

DEPTEDXXXX ( Account : XXXX ) Dispute : The late payment listed for this account is incorrect. Please verify and correct the status.

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 2025-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

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 XXXX  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 2025-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I was approved for the Georgia Homeowner Assistance Fund ( HAF ) to reinstate my mortgage with Mr. Cooper and bring my account current after a COVID-related hardship. The total approved assistance was about {$28000.00}, which included payment of arrears, a HUD partial-claim payoff, and advance payments. 

I specifically informed Mr. Cooperthrough multiple emails and prior communicationsthat this funding was not a new modification or trial payment plan. It was solely to bring my account current. 

However, Mr. Cooper applied the HAF funds incorrectly, marking my loan as if I had entered a Trial Payment Plan ( TPP ) with new payments of about {$1900.00} per month, even though I never signed, authorized, or requested any modification. 

This same issue happened to me previously in XXXX when Mr. Cooper placed a second lien on my home without my consent. I worked for months to correct that, and I fear the same pattern is happening again. 

The Georgia HAF payments were sent to reinstate my loannot to start a new plan. Their own letter ( XXXX XXXX # XXXX, dated XX/XX/XXXX ) confirms they applied funds to complete the trial plan, which I never agreed to. 

Because of this misapplication : My account shows as being in a trial plan I never signed. 
Late fees and false delinquency reporting have appeared. 
My balance and due date were changed incorrectly. 
Im under significant stress trying to keep my home in order. 

Requested Resolution : XXXX. Remove any trial payment plan or modification coding on my loan. 
XXXX. Reapply the HAF funds and HUD payment as reinstatement only to cure arrears. 
XXXX. Remove all fees, negative credit marks, and late reporting tied to this error. 
XXXX. Provide a full accounting ledger showing how the HAF funds were received and posted. 
XXXX. Confirm that my loan remains under its original FHA terms and interest rate. 

I have supporting documentation, including the Georgia HAF approval, payment schedule, and Mr. Cooper correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX Washington XXXX DC XXXX From : XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Date : XX/XX/year> Dear CFPB, I am filing this complaint under the Fair Credit Reporting Act ( FCRA, XXXX5 U.S.C. 1681 et seq. ) regarding inaccurate and outdated personal information being reported by credit reporting agencies.

According to FCRA 607 ( b ), credit reporting agencies must ensure that all information they report is accurate and current. The following addresses, phone number, and business listing are incorrect, yet continue to appear on my credit profile : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX River XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone number : ( XXXX ) XXXX Business listing : Retail Trade Business, XXXX XXXX XXXX, XXXX, TX XXXX Under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), I request that the credit bureaus verify the source of each inaccurate address and permanently delete any unverifiable or obsolete data.

Additionally, under FCRA 623 ( a ) ( 2 ), furnishers must correct and update inaccurate personal data. Failure to do so constitutes a violation of federal law. 

I respectfully request that the CFPB investigate this matter and ensure compliance with FCRA 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) by the reporting agencies. Please confirm in writing once these corrections are completed. 

Thank you for your prompt assistance in ensuring the accuracy of my personal credit file. 

Sincerely, 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX Washington XXXX DC XXXX From : XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX Date : XX/XX/year> Dear CFPB, I am filing this complaint under the Fair Credit Reporting Act ( FCRA, XXXX5 U.S.C. 1681 et seq. ) regarding inaccurate and outdated personal information being reported by credit reporting agencies.

According to FCRA 607 ( b ), credit reporting agencies must ensure that all information they report is accurate and current. The following addresses, phone number, and business listing are incorrect, yet continue to appear on my credit profile : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX Apt XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX River XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone number : ( XXXX ) XXXX Business listing : Retail Trade Business, XXXX XXXX XXXX, XXXX, TX XXXX Under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), I request that the credit bureaus verify the source of each inaccurate address and permanently delete any unverifiable or obsolete data.

Additionally, under FCRA 623 ( a ) ( 2 ), furnishers must correct and update inaccurate personal data. Failure to do so constitutes a violation of federal law. 

I respectfully request that the CFPB investigate this matter and ensure compliance with FCRA 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) by the reporting agencies. Please confirm in writing once these corrections are completed. 

Thank you for your prompt assistance in ensuring the accuracy of my personal credit file. 

Sincerely, 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 2025-11-03 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: TX

Complaint narrative:
I am disputing information on my Equifax credit report that appears to be inaccurate or outdated. 

Charged-Off / Collection Accounts XXXX XXXX  Account # XXXX, Date : XX/XX/year>, Balance : {$7000.00} This account is over XXXX years old and should no longer be reported. I am requesting verification and removal if it is beyond the allowable reporting timeframe or can not be substantiated. 

Inquiries No unauthorized inquiries listed for Equifax. 

Late Payment Reporting None listed for Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am a lawful XXXX beneficiary and person with XXXX who suffered XXXX XXXX XXXX during wrongful eviction and housing displacement. Between XXXX and XX/XX/year>, Chime processed multiple emergency and recurring transactions including XXXX subscriptions, XXXX rides, XXXX trips, XXXX payments, and XXXX food orders without conducting an XXXX hardship or accommodation review. 

These transactions occurred while I was displaced under active XXXX XXXX and were linked to XXXX income that should have been protected under the Americans with XXXX XXXX ( XXXX ) and the Electronic Funds Transfer Act ( EFTA ) XXXX 
The lack of reasonable accommodation review resulted in continued financial loss and discrimination under 42 U.S.C. 12132, 3604 ( f ) ( 3 ) ( B ), and 3617, as well as 15 U.S.C. 1693 and 1681i. 

Each refund request directly corresponds to ongoing hardship sustained during my XXXX pending 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-03 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: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation