vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: OH

Complaint narrative:
To Whom It May Concern : Please be advised I am formally disputing the reporting of multiple XXXX XXXX student loan accounts appearing on my credit reports. This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Ohio XXXX XXXX Practices Act ( O.R.C. 
1345.01 et seq. ). 
These XXXX XXXX accounts have been sold to a private creditor and are currently the subject of active civil litigation in the XXXX XXXX XXXX, casting doubt on their accuracy, legal status, and validity for continued reporting. 
I. Disputed Accounts The following accounts are reported as of XX/XX/year> : - XXXX XXXX Account XXXX : {$3300.00} - Closed - XXXX XXXX Account XXXX : {$8000.00} - Closed - XXXX XXXX Account XXXX : {$730.00} - Closed - XXXX XXXX Account XXXX : {$10000.00} - Closed XXXX. Legal Basis for Dispute XXXX. The original creditor, XXXX XXXX, no longer holds ownership of these debts. Under 15 U.S.C.

1681s-2 ( a ), a data furnisher may not report outdated or misleading account information. 
XXXX. These accounts are involved in ongoing litigation in the XXXX XXXX XXXX under the following case numbers : XXXX, XXXX, XXXX. 
XXXX. Continued reporting of XXXX or contested debt may constitute an unfair and deceptive act under the XXXX  XXXX XXXX XXXX  XXXX, XXXX. XXXX. 
XXXX. Relief Requested - Immediate deletion of all XXXX XXXX accounts listed above from my credit report. 
- If not deleted, the accounts must be updated to show " disputed '' and " in litigation. '' - Notify all third parties who accessed my credit report in the past XXXX months of these corrections. 
- Provide a full reinvestigation and response within XXXX  days. 
IV. Supporting Documentation Included with this letter are : - Copy of my government-issued ID and utility bill - Court docket information - Screenshot from Credit Karma showing the reported accounts Failure to comply with these obligations may result in formal complaints to the CFPB, the XXXX XXXX XXXX XXXX XXXXXXXX , or legal action seeking damages under 15 U.S.C. 1681n and 1681o. 
You are now on legal notice. Please respond accordingly. 
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 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: IA

Complaint narrative:
After our refinance was set up in XXXX, I had no payment in XXXX with my first payment due XX/XX/XXXX. The payment for {$580.00} was set up for deduction from my checking account. XX/XX/XXXX i checked my checking account to find that {$530.00} had been taken out. 
I also about the same time began to get emails from Rocket Mortage that said i shorted my payment and that they need a check for {$51.00} to cover the payment with additional late fees.During this time period my wife is in XXXX  XXXX XXXX  hospital having a XXXX XXXX XXXX XXXX XXXX. Witch i notified them of that i would be gone for a unknown amount of time incase they need to reach me.I sent a check for {$51.00} the XXXX of XXXX and told the asscociate that i refuse to make any late fee or other additional fees for a error that they made.In early XXXX i was contacted about my monthly payment going up because of my escrow being short and i agreed that my XX/XX/XXXX payment would be {$590.00}. I returned home yesterday to find that no XXXX payment had been taken and many emails telling me i was again behind and in possible default. Today XX/XX/XXXX i got on there computer payment option and setup the {$580.00} payment. I also called Rocket mortage and told them i will not have my payment deducted from my account and that i will be sending a check in the mail till this is settled. I also told them i set up a payment on there computer for this month. Im not sure whats going on i never had trouble befor for years untill i was hacked, Is this illegal keeping payments in there account and not posting them till the full amount is there even if its there error. I know i am not paying late fees for something i did not do..... the payment was sitting in my checking account. Mostly isnt it illegal or just sad that this is the way they conduct there business. 
Thank You, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several inaccuracies that the investigation did not fix

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 2025-07-29 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: GA

Complaint narrative:
There are several inaccuracies that the investigation did not fix

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: 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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-29 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: SC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} INQUIRIES : XXXX XXXX Date : XX/XX/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 2025-07-29 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: IL

Complaint narrative:
I am requesting your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit file. In line with USC 1681g, I am formally asking for their removal within 15 days. I have attached all necessary documents for your review. Furthermore, the information associated with these accounts is inconsistent and incorrect across the credit reporting agencies.I kindly urge you to take immediate steps to block these accounts from my credit report.

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 2025-07-29 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX 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 2025-07-29 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2500.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had over XXXX in there and I have XXXX  so I cant be in the sun. Well someone got ahold of my debit card and took it and spent it at XXXX in the store. I do all my shopping online due to the sun making my symptoms worse. I disputed the charge and it was denied they said its my charge that it matches my history. I havent been out of my home since XX/XX/year> and so I appealed the decision and even sent a letter from my caretaker and they still wont give me my money back. I cant afford to just lose XXXX because they arent wanting to pay it back to me. Please help me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
On XX/XX/2025 I requested an account to be deleted immediately for full compliance. In reference to the XXXX XXXX XXXX XXXX XXXX loan acct # XXXX. It violates XXXX XXXX & FCRA. Its reported as a Charged off but still reports a balance & monthly terms.

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 2025-07-29 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: MS

Complaint narrative:
Equifax has removed bankruptcy from credit report and did not remove bankruptcy from account XXXX XXXX Acct # XXXX. Please remove bankruptcy from account status and current payment status and worst payment status. Also update overview to I have 0 % left to pay on this loan. Payment history needs to be changes to I have made 100 % of payments for this account on time. See Attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Several years ago, my vehicle was towed. I immediately contacted Regional Acceptance Company and told them where the vehicle was and instructed them to retrieve it. They failed to act, and as a result, the car was left in the tow yard, accumulated fees, and was eventually disposed of.

Despite my notification, Regional Acceptance never took steps to recover the vehicle. Now they are reporting a defaulted loan on my credit report, which I believe is inaccurate. 

I have disputed this with the credit bureaus under the Fair Credit Reporting Act ( FCRA ) and am also notifying the CFPB because Regional Acceptance is reporting a debt that resulted from their own negligence. I am requesting that this account be removed from my credit report entirely.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Several years ago, my vehicle was towed. I immediately contacted Regional Acceptance Company and told them where the vehicle was and instructed them to retrieve it. They failed to act, and as a result, the car was left in the tow yard, accumulated fees, and was eventually disposed of.

Despite my notification, Regional Acceptance never took steps to recover the vehicle. Now they are reporting a defaulted loan on my credit report, which I believe is inaccurate. 

I have disputed this with the credit bureaus under the Fair Credit Reporting Act ( FCRA ) and am also notifying the CFPB because Regional Acceptance is reporting a debt that resulted from their own negligence. I am requesting that this account be removed from my credit report entirely.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Several years ago, my vehicle was towed. I immediately contacted Regional Acceptance Company and told them where the vehicle was and instructed them to retrieve it. They failed to act, and as a result, the car was left in the tow yard, accumulated fees, and was eventually disposed of.

Despite my notification, Regional Acceptance never took steps to recover the vehicle. Now they are reporting a defaulted loan on my credit report, which I believe is inaccurate. 

I have disputed this with the credit bureaus under the Fair Credit Reporting Act ( FCRA ) and am also notifying the CFPB because Regional Acceptance is reporting a debt that resulted from their own negligence. I am requesting that this account be removed from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Response to CFPB Case # XXXX Misreporting of XXXX Student Loans To Whom It May Concern : I am writing in response to your message regarding the above-referenced CFPB case. Your assertion that there is no record of my student loans being XXXX is factually and legally incorrect. 

On XX/XX/XXXX, I filed for Chapter XXXX bankruptcy in the United States Bankruptcy XXXX for the XXXX XXXX XXXX California ( Case No. XXXX ). A Discharge of Debtor was entered on XX/XX/XXXX. The loans you are referencing were explicitly listed on Schedule E/F of my bankruptcy petition and no adversary proceeding was required because these loans are not federally guaranteed under XXXX XXXX. XXXX, but instead are commercially held XXXX XXXX XXXX XXXX ( XXXX ) subject to discharge. 

Your continued reporting of these loans as due, owing, or delinquent after the discharge violates : 11 U.S.C. 524 ( a ) ( the bankruptcy discharge injunction ), and 15 U.S.C. 1681s-2 ( a ) and ( b ) ( the Fair Credit Reporting Acts duties regarding accuracy and investigation ). 

You are now on notice that : The loans in question were included in and XXXX by a valid Chapter XXXX order. 

Aidvantage, as a loan servicer, does not have legal authority to override a bankruptcy court 's discharge. 

Your claim that " student loans XXXX be dischargeable in rare circumstances '' is misleading and non-responsive, as the loans in question are not of the kind presumed non-dischargeable under XXXX ( a ) ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Letter ( Identity Theft Allegation / Reinvestigation Request ) To : XXXX XXXX 
Attn : Consumer Relations XXXX. XXXX XXXX XXXX, MN XXXX Re : Formal Dispute of Fraudulent Entry XXXX Account # XXXX under FCRA Dear XXXX Dispute Department, I am writing to formally dispute the accuracy and legitimacy of the following item reported on my XXXX file : Creditor : XXXX, California Account Number : XXXX Reported Balance : {$910.00} Date of Closure : XX/XX/2021 Status : Unpaid / Suspected Fraud Activity I have no knowledge of this account and did not authorize its creation or use. I suspect this entry may be the result of identity theft, and it is causing serious harm to my ability to obtain financial services. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that you initiate a full reinvestigation under : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Right to dispute inaccurate or incomplete information 15 U.S.C. 1681s-2 ( b ) Duty of furnishers to investigate and correct inaccurate data 15 U.S.C. 1681c-2 ( a ) Obligation to block fraudulent data upon identity theft documentation If you or the furnisher ( XXXX ) can not verify this account with proper documentation ( such as a signed application or usage history linked to my verified identity ), this entry must be removed from my consumer file. 


Please conduct a thorough reinvestigation within the 30-day window mandated by 15 U.S.C. 1681i ( a ) ( 1 ) and notify me in writing of the results.

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