vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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 submitting this complaint because Experian is reporting multiple charge-off accounts and hard inquiries that appear to be inaccurate or unverifiable. I have not received proper documentation confirming their legitimacy, and they are unfairly harming my credit standing. 

Accounts in Dispute : XXXXXXXX XXXX XXXX ( Acct # XXXX ) Reported on XX/XX/XXXX, balance {$0.00}. 
This account was settled and should not be showing as a charged-off or delinquent account. 

XXXX XXXXXXXX XXXX ( Acct # XXXX ) Reported on XX/XX/XXXX, balance {$0.00}. 
I have no current or outstanding account with this company. The report of this charge-off is inaccurate. 

XXXX XXXX ( Acct # XXXX ) Reported on XX/XX/XXXX, balance {$23000.00}. 
I have not received any communication or validation of this debt. I have no contractual agreement or record of doing business with this entity. 

XXXX XXXX XXXX ( Acct # XXXX ) Reported on XX/XX/XXXX, balance {$5600.00}. 
The reported amount and charge-off status appear incorrect and must be verified or removed. 

Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I do not recall authorizing these inquiries. If Experian has documentation proving a permissible purpose under FCRA 604, I request a copy. Otherwise, these inquiries must be deleted immediately.

Requested Action : Please conduct a full reinvestigation into these accounts and inquiries in accordance with FCRA 611. I request written proof or documentation used to verify each item. If Experian can not provide adequate verification or written consent for the inquiries, these items must be removed from my report. Kindly send confirmation of the results to me once your investigation is complete.

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 2025-11-27 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: MI

Complaint narrative:
Dear Sir/Madam, I am filing this dispute regarding the following accounts on my credit report. These accounts are being disputed based on inaccuracies and incomplete reporting. Below is the information for the disputed accounts, separated by each credit bureau. 

Charged Off Accounts : XXXX  XXXX, Account XXXX. XXXX, Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX, Account XXXX. XXXX, Opened : XX/XX/XXXX, Balance : {$38.00} XXXX, Account XXXX. XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$5200.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account No. 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 non-monetary relief
Consumer complaint received 2025-11-27 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened first collection svcs XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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.

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 2025-11-27 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened first collection svcs XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding Mr. Coopers handling of a mortgage assumption required under a court-ordered divorce decree for the property located at XXXX XXXX XXXX XXXX XXXX The lender has provided assumption documents that contain material inaccuracies that have not been corrected despite multiple requests since XX/XX/XXXX. 

On XX/XX/XXXX, Mr. Cooper issued a Loan Assumption Agreement that identifies the borrower as an unmarried man. This is factually incorrect, as the borrower has been married since XX/XX/XXXX. I notified the lender of this discrepancy and requested that the documents be corrected. 

Since that time, I have repeatedly requested an updated and accurate assumption package in PDF form so that I may review it with counsel. Despite several emails and follow-ups, the lender has continued sending scheduling and signing requests without correcting the inaccurate marital status or reissuing a corrected package. 

On XX/XX/XXXX, I submitted a written request for internal review and escalation because the inaccurate marital status conflicts with title requirements and the divorce decree. Mr. Cooper also cancelled the XXXX closing and has not provided any updated or corrected documents. 

At this point, I can not sign or proceed because the assumption documents contain material errors, and the lender has not produced a corrected package despite repeated requests. 

I am requesting CFPB assistance to ensure Mr. Cooper ( 1 ) corrects the inaccurate marital-status information, ( 2 ) reissues a complete and accurate assumption package, and ( 3 ) assigns an appropriate internal representative to handle this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-27 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 youhave 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 2025-11-27 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 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 youhave 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
On XX/XX/year>, I called XXXX XXXX to inquire about this debt from XXXX, and asked for validation and accuracy of the debt amount of {$250.00}. 
After disputing this amount, they were able to furnish me w a credit of {$200.00} for a mistake they made. I requested documentation or statement to this, but they told me they could not and insisted I still owed them {$56.00}, which I disputed to them as well and questioned it as well. 

On XX/XX/XXXX, I received a new letter from 3rd party collector XXXX Harris & Harris , Ltd saying I need to provide info and supporting docs and asking me for a different amount now of {$270.00}, when the original amount being asked for was {$250.00}. 

I sent them another request to remove this debt from my report which they have not yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revco Management, LLC
State: NY

Complaint narrative:
Relevant information : Name : XXXX XXXX XXXX Former Address of Service : XXXX XXXX XXXX XXXX XXXX, NY XXXX Cell : XXXX Account Number : XXXX Balance : {$390.00} Payment Confirmation Code : XXXX I had called your customer service line this morning as that was the soonest you all were available for calls. I am currently in the final stages of a mortgage underwriting process on me and my families very first home. This is a trial 10 years on the making and this account caught us by surprise and now places at risk to be unable to close our mortgage and home. I am requesting an understanding of the situation as we had never received the final bill after moving out of that address and were prompt to take care of it. I could sincerely use a fast moving goodwill delation in this case as your collections agency revco XXXX has been reporting it as a collection day by day to each of the credit bureaus. Again Id like to make clear that we were unaware that we were past due on this account as every time we had logged in previously the balance was showing as {$0.00}. I am asking for the sake of my wife and XXXX XXXX XXXX  a bit of empathy and expedient action in the resolution of this situation. 

Please let me know what questions you have if any and confirm if you are able to help me. 

The above is the snippet email I followed up with after my call to their customer service line yesterday morning. Again I never got a final notice and each time I logged into the account online the account was showing a {$0.00} balance. Its clear from my credit reports that their debt collector RevCo kept checking my credit report to see when they should report the account. Upon seeing my mortgage companies hard pull they reported it a few days after. These tactics are not only damaging but extremely unnecessary when all they needed to do was either call, email or send me a letter stating the balance was due. During my call to shut off the services as we moved to our new current address I even made sure the representative had my new mailing address and asked them to ensure they provided all means for notice to pay the bill as I am a very busy father of XXXX working around the clock and wanted to ensure it was taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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 submitting this dispute regarding the following inaccurate or unverifiable entries on my Experian credit report. I request that they be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute : No charged-off accounts in dispute. 

Inquiries in Dispute : XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments in Dispute : XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : 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 2025-11-27 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: FL

Complaint narrative:
I am writing to dispute the following accounts that are currently reflected on my credit report. These items are either inaccurately reported or should not be reflected at all. Please investigate and correct these discrepancies as per the Fair Credit Reporting Act ( FCRA ). 

Equifax ( EQ ) : Charged Off : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Late Payment : XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: AL

Complaint narrative:
The following accounts listed as charged-off on my Experian credit report are incorrect. I am disputing the balance and the account status for these entries and request an investigation into their accuracy. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$55.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} Inquiries : XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payment : XXXX  Account Number : 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 2025-11-27 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: MI

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation