vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

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 2025-10-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX  days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

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 2025-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Summary of Complaint : My mortgage and a line of credit were recently transferred to a new loan servicing company, Rushmore Servicing. After the transfer, my monthly mortgage payment increased unexpectedly. Despite multiple inquiries, the new servicer has not provided a clear or satisfactory explanation for the increase. There were also multiple issues in successfully getting the home insurance on file with the Rushmore, though after months and many phone calls that has finally been resolved. 

More critically, I had set up automatic payments for the line of credit through the new servicer. Although these payments were made consistently each month, the servicer applied them incorrectly to principal only, rather than treating them as full monthly payments. As a result, they reported the loan as five months past due to credit reporting agencies, severely damaging my credit. Rushmore has also sent me a letter threatening to foreclose on my property due to their own negligence in properly applying my payment. 

Additionally, it is extremely difficult to reach the company and even more difficult to get consistent information once you have reached an employee. It seems every employee I speak with has a different explanation, and even when the employee portrays an issue has been resolved the same problems keep happening again and again. 

I have contacted the servicer multiple times in an effort to resolve these issues, but have not received adequate assistance or a resolution. I am requesting the Consumer Financial Protection Bureaus help in correcting the misapplication of payments, updating the credit reporting, and obtaining a clear explanation for the mortgage payment increase. 



Let me know if youd like help adding specific dates, names of the companies, account numbers ( redacted ), or any correspondence youve already had with the servicer. That could strengthen the complaint. 


Thank you in advance for prompt attention to this matter. 

Regards, XXXX XXXX. 
XXXX Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
I am using this CFPB ccomplaint as both a formal complaint as well as a formal dispute and request for alleged debt validation addressed to KIKOFF reference account XXXXThey have been in violation of my rights as a consumer under U.S.C. 1692g and in accordance with the ( FCRA ) are also in violation of 15 U.S.C. 1681i as well as U.S.C. 1692g which demands that debt collectors validate debts upon request.I am submitting this request through the CFPB to ensure that KIKOFF receives my letter and is held accountable for responding promptly and lawfully.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: PA

Complaint narrative:
I am filing this complaint because XXXX is reporting a federal student loan to the credit bureaus that I did not apply for, authorize, or benefit from. I am a victim of identity theft, and this account was fraudulently opened using my personal information. Despite not having any association with this loan, it is negatively impacting my credit. I have attached a copy of my credit report showing the fraudulent XXXX account, along with my FTC Identity Theft Report. I have also contacted XXXX directly to report this fraud and requested they remove the account, but I have not received a satisfactory resolution. I am requesting that the CFPB investigate XXXX reporting practices in this case and ensure this fraudulent account is removed from my credit file. I also ask that XXXX cease any collection or servicing activity on this fraudulent account. I have taken all appropriate identity theft precautions, including placing fraud alerts and contacting the credit bureaus directly. Thank you for your help in resolving this urgent matter.

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 2025-10-14 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: PA

Complaint narrative:
I am filing this complaint because XXXX is reporting a federal student loan to the credit bureaus that I did not apply for, authorize, or benefit from. I am a victim of identity theft, and this account was fraudulently opened using my personal information. Despite not having any association with this loan, it is negatively impacting my credit. I have attached a copy of my credit report showing the fraudulent XXXX account, along with my FTC Identity Theft Report. I have also contacted XXXX directly to report this fraud and requested they remove the account, but I have not received a satisfactory resolution. I am requesting that the CFPB investigate XXXX reporting practices in this case and ensure this fraudulent account is removed from my credit file. I also ask that XXXX cease any collection or servicing activity on this fraudulent account. I have taken all appropriate identity theft precautions, including placing fraud alerts and contacting the credit bureaus directly. Thank you for your help in resolving this urgent matter.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIB Group, Inc.
State: NC

Complaint narrative:
Complaint for MIB and XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, XXXX XXXX XXXX XXXX reported information about me to the Medical Information Bureau ( MIB ) stating evidence of XXXX XXXX  use, allegedly based on a prescription profile. 
This entry is inaccurate, incomplete, and irrelevant to any current or past underwriting. It references a one-time, temporary prescription following an XXXX  and does not reflect ongoing medical or behavioral history. 

MIB disclosed this information in my XXXX XXXX XXXX ( XXXX. # XXXX ) dated XX/XX/XXXX, yet the report includes no evidence, prescribing provider, medication name, or supporting documentation. Under FCRA 609 ( a ) ( 1 ) and 611 ( a ), both companies are required to maintain only accurate, verifiable data and must disclose the source of any record maintained in a consumer file. 

I have not provided authorization for XXXX XXXX or MIB to disclose or retain this private health information beyond the original underwriting purpose. This disclosure violates FCRA, HIPAA 45 C.F.R. 164.502 & 164.508, and state privacy laws. 

I am requesting : A full reinvestigation and identification of the source, evidence, and reporting entity for the XX/XX/XXXX entry ; Immediate deletion of this inaccurate record from my MIB consumer file and any other systems or databases ; Written confirmation from both MIB and XXXX XXXX within 30 calendar days that the item has been removed and that my information will not be disclosed or reused without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
A XXXX student loans which were balance was discharged. In XX/XX/XXXX, my credit reports showed XXXX balance. Now Experian is reporting from XXXX a full balance with no discharge, no payments etc. When I call XXXX they say they have no idea why its showing up and on their side it says XXXX balance. They said call XXXX who they sold the loan to and XXXX has no account for me at all and on credit report XXXX reports as XXXX balance.

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 2025-10-14 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: MI

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 Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$2000.00} XXXX BANK XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$18000.00} XXXX XXXX XXXX # XXXXXXXX XXXX XXXXDate Opened XX/XX/XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened XX/XX/XXXX -Balance {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Overview : I used CardConnect to run auctions on a 3rd party website back in XXXX. Before the end of XXXX I stopped all auctions and deactivated all necessary accounts, leaving no option for credit cards to be processed. I received a letter in XXXX stating that I have fees on my account for almost two years for not signing a XXXX  compliance. When I called them in XXXX of XXXX, I was kept redirected to new people who could not give me an answer. The fee 's were random, some months being {$300.00}, and some months being {$20.00}, with XXXX account activity during all of this, and no account manager reaching out to me to check if I still require their services. 

[ XXXX ] I received a letter from CardConnect/XXXX/Fiserv regarding {$340.00} owed from fees accrued to an account with my old mailing address and name, not my SSN, but an EIN number. 

[ XXXX ] I received a collection letter from TransWorld Systems debt collection agency regarding an alleged {$440.00} owed to CardConnect/XXXXFiserv. 

[ XXXX ] I mailed a debt-validation/dispute letter to the collector via USPS Certified Mail. The mail was delivered the following days later as shown from the ticket receiving stating it was delivered I have also contacted the original processor again on XXXX requesting the proof of debt, to which I have heard nothing.

I have not received any validation despite my timely written request ; therefore, collection activity should be paused until validation is mailed. The requested validation is valid under the FDCPA.

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 monetary relief
Consumer complaint received 2025-10-14 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: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a XXXX XXXX  credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief