vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/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 2025-12-16 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am requesting validation of the alleged debt you are reporting. Please provide proof that LVNV Funding LLC owns this account, a complete itemized accounting of the balance, the name and address of the original creditor, and documentation bearing my signature showing I agreed to this debt. If you can not provide this information, you must cease collection and delete this account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Continental Services Group, Inc. d/b/a ConServe
State: AL

Complaint narrative:
I am disputing the validity and accuracy of an alleged debt that appears to have resulted from administrative errors by XXXX XXXX XXXX. 

During the XXXX academic year, I was enrolled at XXXX XXXX XXXX as an independent student. My federal financial aid was awarded and accepted, including a Federal Pell Grant and federal student loans, in amounts sufficient to cover tuition and related charges. Documentation in my student account confirms that this aid was approved and accepted. 

When the aid was not disbursed as expected, I contacted XXXX XXXX XXXX and was informed that additional documentation was required. I was specifically instructed to provide my mothers death certificate. I complied with this request, and the college confirmed in writing that the document was received, copied, and filed for review. 

Despite submitting the required documentation and following up multiple times, my financial aid was never released or applied to my account. I was not provided with a written explanation for why the aid remained unprocessed, and no resolution was offered. As a result, charges remained outstanding that appear inconsistent with the accepted financial aid on record. 

I am now being contacted regarding an alleged debt that may be inaccurate or improperly assessed due to XXXX XXXX XXXX failure to disburse accepted financial aid. I am requesting full written validation of the alleged debt, including itemized billing statements, identification of the original creditor, proof of the collectors authority to collect, and documentation explaining why accepted financial aid was not applied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
On XX/XX/year>, I submitted a formal FCRA 605B identity theft block request to Experian, including proof of identity, FTC and police reports, and a sworn affidavit regarding a fraudulent XXXX XXXX XXXX account XXXX Instead of blocking the account within the required four business days, Experian mishandled the matter by treating it as a 611 dispute, leaving inaccurate information on 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 explanation
Consumer complaint received 2025-12-16 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 fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report FTC REPORT NUMBER : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Listed below are the Collection Information that are being challenged : XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquieres Information that are being challenged : XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX. 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 
I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
Dear Sir/Madam, I am writing to file a dispute regarding the following accounts that appear on my credit report. These accounts are incorrect and I request a thorough investigation and removal of inaccurate entries. The details for each bureau are as follows : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX 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 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: SC

Complaint narrative:
I am submitting this complaint because XXXX XXXX has made it impossible for me to make a mortgage payment, despite repeated and documented attempts to do so. 

My loan is currently past due. When I attempt to make a payment through Selenes online payment portal, I am explicitly blocked from doing so and instructed that I must call in to make a payment. 

For the past several weeks, I have called XXXX XXXX numerous times in an attempt to submit payment. Each time, one of the following occurs : The automated system places me on hold and then disconnects the call The system states that I will receive a callback, which never occurs I am never connected to a live representative despite extended hold times At no point have I been able to speak with a person or submit payment, even though I am actively trying to cure the delinquency. 

Harm Caused XXXX XXXX  failure to provide a functional payment method has caused and continues to cause the following harm : I am being prevented from making a good-faith mortgage payment Late fees and penalties are likely accruing due solely to Selenes inaction My credit may be negatively impacted despite my documented attempts to pay I am exposed to unnecessary default risk due to the servicers obstruction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
Mortgage companies submitted late payments on all three credit reports. The payments were made as agreed. XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX. All accounts are wrongfully reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
Mortgage companies submitted late payments on all three credit reports. The payments were made as agreed. XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX. All accounts are wrongfully reported as late.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint to formally dispute the continued reporting of a XXXX XXXX listed on my consumer credit reports as XXXX  XXXX. This public record is being inaccurately, unlawfully, and willfully reported in violation of the Fair Credit Reporting Act ( FCRA ), applicable XXXX XXXX reporting standards, and federal consumer protection laws. 

The XXXX XXXX XXXX associated with this reference number was filed in XXXX  and discharged in XX/XX/year>. Under 15 U.S.C. 1681c ( a ) ( 1 ), negative public record information may not be reported beyond seven years from the date of disposition. Despite the expiration of the permissible reporting period, this bankruptcy continues to appear on my credit file as a current derogatory public record well beyond the allowable timeframe.

Additionally, the reporting of this public record is incomplete, inconsistent, and unverifiable. The credit bureaus list conflicting reference numbers, missing or inconsistent filing and closing dates, and lack any evidence of recent verification or certified documentation obtained directly from the U.S. Bankruptcy Court.
Metro 2 standards require that public records be reported with precise court data, verified sources, and accurate removal dates. These requirements have not been met.

By continuing to report this obsolete and defective public record, the credit reporting agencies have failed to follow reasonable procedures to assure maximum possible accuracy, in direct violation of 15 U.S.C. 1681e ( b ). Furthermore, their failure to properly reinvestigate and delete obsolete information after notice constitutes noncompliance with 15 U.S.C. 1681i ( a ).

I have previously disputed this public record, yet it remains unchanged. No proof of lawful verification, certified court documentation, or compliance with Metro 2 reporting requirements has been provided. Continued reporting under these circumstances demonstrates willful and reckless disregard for my consumer rights.

I am requesting the following corrective actions : Immediate and permanent deletion of the public record titled XXXX  XXXX from all consumer credit reports and internal databases.

Written confirmation that this obsolete public record has been fully removed and will not be reinserted.

Assurance that all reporting practices moving forward will comply with the FCRA and Metro 2 standards.

If this matter is not resolved promptly, I request regulatory enforcement and any remedies available under federal law for continued noncompliance.

This complaint is submitted in good faith and supported by documentation showing the bankruptcy was discharged in XXXX  and is now legally obsolete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
I am a confirmed victim of identity theft and submitted a valid FTC Identity Theft Report. The account reported as Together Loans does not belong to me and was never authorized. Under FCRA 605B, credit reporting agencies are required to block identity-theft-related information within four business days. XXXX  has not blocked this account and continues to report it in violation of federal law.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Filed disputes with TransUnion, TransUnion removed an account yet they did not update my score, has been more than 60 days. Filed another dispute regarding a late payment on my XXXX credit card, TransUnion failed to properly investigate. Filed several disputes and TransUnion failed to validate and to give me proof. TransUnion is not allowing me to look up older reports to compare even though I paid for them and they do not allow me to file other disputes until previous disputes are finalized even for a new account being disputed.

In one instance, XXXX reported that they investigated an account, once TransUnion updated this info, they lowered 15 points from my FICO even if they never credited me any points when I started the dispute.

They are reporting a 30 days late in XX/XX/year> on my XXXX credit card even though the company told me they made a mistake and should not be reported. 
On two accounts, XXXX collection accounts, TransUnion failed to investigate, XXXX notified me that they removed these two collection accounts yet TransUnion is still reporting them. 
I believe there is too much collusion between TransUnion and the creditors. 
Everything is set up to diminish my chances of getting better credit.

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 2025-12-16 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: MO

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} 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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-12-16 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: LA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: DC

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
Filed disputes with Equifax, Equifax removed an account yet they did not update my score, has been more than 60 days. Filed another dispute regarding a late payment on my XXXX credit card, Equifax failed to properly investigate. Filed several disputes and Equifax failed to validate and to give me proof. Equifax is not allowing me to look up older reports to compare even though I paid for them and they do not allow me to file other disputes until previous disputes are finalized even for a new account being disputed. In one instance, XXXX reported that they investigated an account, once Equifax updated this info, they lowered 15 points from my FICO even if they never credited me any points when I started the dispute. They are reporting a 30 days late in XX/XX/year> on my XXXX credit card even though the company told me they made a mistake and should not be reported. 
Disputed several accounts as companies failed to investigate and validate my responsibility for them.

Company response to consumer: Closed with explanation