vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX  - XX/XX/XXXX - {$1000.00} XXXX XXXX - XX/XX/XXXX - {$540.00} XXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX - XX/XX/XXXX - {$7500.00} XXXX - XX/XX/XXXX - {$520.00} XXXX  XXXX XXXX  - XX/XX/XXXX - {$1000.00} XXXX XXXX  - XX/XX/XXXX - {$6000.00} XXXX Inquiries : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
Subject : Improper Denial of Loss Mitigation Application / Dual-Tracking / Wrongful Foreclosure Details of the Complaint : I am filing this complaint because my mortgage servicer ( LoanCare ) foreclosed on my home while I was in active loss mitigation, and they failed to follow federal mortgage servicing requirements under RESPA/Regulation X XXXX 
I submitted a loss mitigation application more than XXXX  days before the scheduled foreclosure sale. The servicer later told me my application was denied because I did not circle something on the forms. However, they did not send a timely written notice of missing or incomplete information within XXXX business days as required by 12 C.F.R. 1024.41 ( b ) ( 2 ) ( i ) ( B ). 
When I contacted the servicer to dispute this, I spoke with a supervisor who admitted that they did not send the missing-information notice until much later, but they told me it was too late to consider my application. I was not given a meaningful opportunity to correct anything or to complete the application. 
Because I was still in loss mitigation review and did not receive proper notices, the servicers denial violated the rules prohibiting dual-tracking under 12 C.F.R. 1024.41 ( g ). Despite this, the foreclosure sale proceeded on XX/XX/year>. 
I am still living in the home and I have now received a Cash for Keys letter from XXXX dated XX/XX/year>, confirming that the foreclosure sale has occurred. This is the first communication I received after they abruptly denied my application. 
I am requesting CFPB assistance because : XXXX. The servicer failed to send timely notice of missing documents. 
XXXX. The denial of my loss mitigation application was improper and did not allow me time to correct the issue. 
XXXX. The foreclosure sale occurred while I was actively trying to resolve the loss mitigation dispute. 
XXXX. I was not given the right to appeal or respond before the sale occurred. 
XXXX. I believe this foreclosure violated federal servicing laws and I am requesting an immediate investigation.

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 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Complaint Against : Portfolio Recovery Associates , LLC My Problem : A debt collection appears on my credit report that was previously removed by other credit bureaus. I believe this is an error, and the company is refusing to correct it. 

Detailed Description : I am filing this complaint against Portfolio Recovery Associates regarding a collection account they have placed on my XXXX credit report. 

The account in question is # XXXX for {$720.00}, which Portfolio Recovery Associates claims was opened on XX/XX/year>. 

My issue is that this specific collection account had previously been removed from my other credit reports ( XXXX and XXXX ) after I disputed it. However, XXXX continues to report this account, and Portfolio Recovery Associates is verifying it as accurate, which I dispute. 

This creates an inconsistent and unfair situation. If the other major credit bureaus found sufficient reason to delete this account, it indicates that the item is not verifiable or should not be on my report. The continued reporting by Portfolio Recovery Associates on my XXXX file is inaccurate and is negatively affecting my credit history. 

I have tried to resolve this directly, but without success. I am requesting that the CFPB assist me in having this inaccurate collection account permanently deleted from my XXXX credit report. 

Desired Resolution : I want Portfolio Recovery Associates to instruct Experian to completely remove this collection account from my credit file, as was done with the other credit bureaus. 

Account Information from Credit Report : Company : Portfolio Recovery Associates Account Number : XXXX Amount : {$720.00} Reported Date : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am filing this formal complaint against Experian on behalf of XXXX XXXX, due to Experians failure to comply with the Fair Credit Reporting Act ( FCRA ) and its statutory obligation to reinvestigate disputes within the XXXX deadline required by FCRA 1681i ( a ). Experian is past due on this legal requirement, yet continues to report inaccurate, inconsistent, and unverifiable information. Experian allowed the XXXX investigation period to expire without providing valid results, without verifying disputed data, and without correcting the inaccuracies presented. This is a direct violation of federal law. 

Upon review of the Experian credit file, multiple reporting errors were identified, including conflicting dates, improper delinquency reporting, inaccurate payment histories, and status codes that do not comply with industry-standard XXXX guidelines . Instead of addressing these errors within the legal timeframe, Experian continued to publish the same harmful information, causing financial injury and damaging the consumers creditworthiness. 

The following accounts contain inaccurate, inconsistent, or unverified reporting : XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX These accounts include discrepancies such as incorrect delinquency coding ( XXXX, XXXX late marks ), contradictory date last active vs. date last payment entries, payment histories that do not align with industry standards, and charge-off reporting lacking verifiable documentation. Experians remark of consumer disputed account reported by subscriber is not sufficient because the bureau missed the XXXX legal deadline and therefore can not lawfully continue reporting unverifiable or inconsistent data. 

Experians failure to reinvestigate within the required timeframe and its continued publication of inaccurate information directly violates FCRA requirements and has caused harm to the consumer 's financial opportunities, credit standing, and overall economic stability.

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 2025-11-19 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:
None of these accounts are connected to me ; they must be deleted within XXXX  days as per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Rausch Sturm LLP
State: TX

Complaint narrative:
I have a ~ {$4000.00} debt that I have attempted to pay voluntarily at least XXXX times over the past XXXX years ( phone logs available ). Rausch Sturm LLP represents the creditor but has never accepted my calls or returned messages. Instead, they sued and obtained a default judgment against my father ( same name, different person ) in Massachusetts while I have lived in Texas for over XXXX years. This is clear mistaken identity. This is negatively effecting my credit score and I have exhausted all means of contacting Rausch Sturm LLP and the original creditor.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was the victim of an online investment scam. A scammer contacted me and directed me to a fraudulent trading website called baseminplus.top, where they showed fake balances to make the platform appear legitimate. The scam website displayed a Balance of {$21000.00}, Deposits of {$2500.00}, and Withdrawn XXXX, but none of this money is real. The site also keeps my account status as unverified and will not allow any withdrawals. 

The scammer pressured me to deposit money through my TD Bank debit card and later attempted to convince me to send money to a XXXX wallet address. I realized afterward that this was fraud. I never received any legitimate service or product. The entire platform is fake and designed to deceive people into sending money. 

Although I authorized the debit card transaction, the authorization was obtained through deception. This is authorized fraud, which falls under Regulation E, because I was tricked into approving a transaction that was fraudulent in nature. 

I went to TD Bank multiple times ( XXXX different attempts ) to dispute the charges. Each time, TD Bank denied my dispute, stating only that I approved the transaction, without properly reviewing the evidence of fraud. They did not conduct a meaningful investigation into the scam or the fake website. 

I am requesting that TD Bank reopen the dispute as an authorized fraud claim, escalate it to a Fraud Department Supervisor, and issue a refund of the {$2600.00} that I was deceived into sending. I am attaching screenshots of the scam website dashboard, the withdrawal pages, the fake balance, the unverified status, and the text messages from the scammer including the XXXX address they provided. 

I am asking the CFPB to assist me because TD Bank has repeatedly refused to reconsider my claim or apply the protections required under Regulation E for fraud obtained through deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-19 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: TX

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Experian. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} Inquiries : XXXX XXXXXXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payment Accounts : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX Citi Account Number : 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 2025-11-19 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: OK

Complaint narrative:
I am writing to dispute the following accounts reported on my credit report. The information provided for these accounts is inaccurate or incomplete, and I am requesting that the appropriate corrections be made. 

CHARGE OFF : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX, a rental debt for {$14000.00} was reported to the credit bureaus by Fair Collections & Outsourcing without any prior written notification or opportunity to dispute. I was never contacted before the tradeline appeared. The company claimed they sent an original notice on XX/XX/XXXX, but it was mailed to a Texas address that I did not live at until XXXX. They have provided no proof that any notice was sent to my correct address in XXXX. 

Because the company could not show proof of timely notification or proper validation, I filed my first CFPB complaint in XX/XX/XXXX ( Complaint # XXXX ). The company did not provide any records, only responded that I was represented by an attorney, and did not address the violations. I filed a second complaint on XX/XX/XXXX ( Complaint # XXXX ). In that response, the company again did not provide validation and only stated they would send it in the future. 

The first actual Verification of Debt I received from them was dated XX/XX/XXXX, which proves they attempted to verify the debt three years after reporting. After my XX/XX/XXXX complaint, they mailed another packet on XX/XX/XXXX with invoices and photos, but it did not include an itemized calculation, proof of liability, proof of actual repair costs, or any inspection reports. Their own documentation contradicts the original move-out inspection conducted in XX/XX/XXXX, which found the unit in satisfactory condition and estimated repairs below {$500.00}. On XX/XX/XXXX, they also offered to accept {$7300.00} as a 50 % settlement, which further conflicts with the original amount. 

I disputed the account with all three credit bureaus. After reviewing the evidence, XXXX  deleted the tradeline. XXXX  and TransUnion continue to report it, even though the company has still not shown that notice was properly sent before reporting or that the debt is valid and correctly calculated. 

I disputed with all three bureaus. XXXX  investigated and deleted the tradeline, but XXXX  and XXXX continue to report it even though the company has not produced legally sufficient validation. I am requesting either ( 1 ) full deletion of the tradeline from all bureaus due to improper reporting and insufficient validation, or ( 2 ) written confirmation of a pay-to-delete agreement if the company insists on collecting any portion of the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TN

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-11-19 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: MA

Complaint narrative:
I am submitting the following dispute regarding inaccurate and incomplete information reported by the credit bureaus. The following accounts are in dispute due to their negative impact on my credit report, including charged-off accounts, inquiries, positive accounts, and late payments. Below are the details of the accounts being disputed, separated by each bureau. 

Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} XXXX CARD Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Late Payment Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief