vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed this charge off on my credit for the last 4 months on Experian. Each mistype only takes to two days for them to say that meets standards but it is charge off in XXXX of 2022 and I have ask for the 1009-c form on dispute and go no response about it from XXXX  or Experian.

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 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I had been making extra payments to my principal balance starting XX/XX/XXXX. I noticed in XX/XX/XXXX that they were not being applied to the COVID deferred balance and inquired about how to make future extra payments apply to the COVID deferred balance. I was told to phone in my extra payment and request it be applied to COVID deferred balance. I made a phone payment on XXXX and the {$50.00} that I wanted applied to my COVID deferred balance was not applied there. It was applied to the original principal balance and not the COVID deferred balance. On XXXX I attempted to make another payment of {$150.00} to the COVID deferred balance by phone and today when I look at my account it was applied to the original principal balance of the loan and not the COVID deferred balance again. I have had several phone and messaging attempts to resolve the issue of making a payment to my COVID deferred balance and can not come to a resolve of how to accomplish that. There is no method online to make payment directly to the COVID deferred balance and no way to track any payments that would be applied if I could get that to happen. The second issue I have is the balance of my COVID deferred balance does not match the letters of amounts being deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I have disputed this charge off on my credit for the last 4 months on XXXX. Each mistype only takes to two days for them to say that meets standards but it is charge off in XXXX of 2022 and I have ask for the 1009-c form on dispute and go no response about it from affirm or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
In XX/XX/XXXX I received a letter from XXXX XXXX XXXX regarding my loan account that was paid more than XXXX days late on the following dates : XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. 

In XX/XX/XXXX, I began disputing this account on my credit reports ( Experian, Equifax, Transunion ) as the statute of limitation ( beyond 7 years ) has expired per the FCRA. I have disputed this account since XX/XX/XXXX XXXX  times and each time XXXX XXXX XXXX re-ages this account and inaccurately and illegal reports false information on my credit report and the credit reporting agencies refuse to remove the account. 

In XX/XX/XXXX, I mailed a letter to XXXX XXXX XXXX requesting copies of all payments made on this account, all notices mailed and any information pertaining to this account. As of XX/XX/XXXX I have not received any responses from XXXX XXXX XXXX. On XX/XX/XXXX I certified mailed a letter requesting immediate removal from my credit report along with my original letter date XX/XX/XXXX and the letter I received on XX/XX/XXXX from XXXX 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I received a letter from XXXX XXXX XXXX regarding my loan account that was paid more than 30 days late on the following dates : XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. 

In XX/XX/XXXX, I began disputing this account on my credit reports ( Experian, Equifax, Transunion ) as the statute of limitation ( beyond 7 years ) has expired per the FCRA. I have disputed this account since XX/XX/XXXX 4 times and each time XXXX XXXX XXXX re-ages this account and inaccurately and illegal reports false information on my credit report and the credit reporting agencies refuse to remove the account. 

In XX/XX/XXXX, I mailed a letter to XXXX XXXX XXXX requesting copies of all payments made on this account, all notices mailed and any information pertaining to this account. As of XX/XX/XXXX I have not received any responses from XXXX XXXX XXXX. On XX/XX/XXXX I certified mailed a letter requesting immediate removal from my credit report along with my original letter date XX/XX/XXXX and the letter I received on XX/XX/XXXX from XXXX 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 2025-07-23 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:
In XX/XX/XXXX I received a letter from XXXX XXXX XXXX regarding my loan account that was paid more than 30 days late on the following dates : XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. 

In XX/XX/XXXX, I began disputing this account on my credit reports ( Experian, Equifax, Transunion ) as the statute of limitation ( beyond 7 years ) has expired per the FCRA. I have disputed this account since XX/XX/XXXX 4 times and each time XXXX XXXX XXXX re-ages this account and inaccurately and illegal reports false information on my credit report and the credit reporting agencies refuse to remove the account. 

In XX/XX/XXXX, I mailed a letter to XXXX XXXX XXXX requesting copies of all payments made on this account, all notices mailed and any information pertaining to this account. As of XX/XX/XXXX I have not received any responses from XXXX XXXX XXXX. On XX/XX/XXXX I certified mailed a letter requesting immediate removal from my credit report along with my original letter date XX/XX/XXXX and the letter I received on XX/XX/XXXX from XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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 a victim of identity theft. The accounts i have reported do not belong to me. I have asked to credit bureaus to remove them and they have not done so and they have not sent me anything to verify these accounts

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 2025-07-23 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:
I am a victim of identity theft. The accounts i have reported do not belong to me. I have asked to credit bureaus to remove them and they have not done so and they have not sent me anything to verify these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-07-23 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: GA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
I have noticed unauthorized inquiries that I did not permit. Please investigate this matter urgently. Enclosed are documents to assist with your review.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

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 2025-07-23 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX XXXX XXXX XXXXXX/XX/XXXX Date XXXX XXXX XXXX XXXXXX/XX/XXXX To : Cavalry Portfolio Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$1300.00} To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the above-referenced account allegedly placed with your agency in my name. As required by federal law under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Uniform Commercial Code ( UCC ) 1-308 and 3-501, you must immediately provide complete and verifiable documentation proving your legal right to collect and report this debt. 

I DO NOT ACKNOWLEDGE THIS DEBT. Furthermore, I demand the immediate removal of any reporting you have placed on my credit profile, as no legal validation has ever been provided.

You are required to send me the following : The Original Signed Contract or Promissory Note that contains my wet signature, not a photocopy, digital application, or generic template.

A Binding Agreement showing my direct consent to the alleged balance, terms, and assignment.

A full Flow Sheet or ledger showing all charges, payments, interest, fees, and balance calculations from the original creditor to present.

Proof of Chain of Custody from the original creditor to Cavalry Portfolio, including purchase contracts, assignments, and transfer documents.

Proof that this debt is NOT past the Statute of Limitations in the state of Illinois, including clear documentation of the last date of activity and calculation method used.

Proof that you are legally licensed to collect debts in Illinois, including license number, issuing body, and registration status. 
The full name, department, and contact info of the individual who verified this debt to any credit bureau.

A written statement affirming that e-OSCAR or any automated database was not used to conduct or respond to dispute investigations. This violates my right to a proper reinvestigation under FCRA. 
A billing statement or prior balance is not proper validation. If you can not produce every document listed above, you must immediately : Delete this account from XXXX XXXX XXXX XXXX  Cease all collection activity and contact with me Failure to comply within 15 calendar days from receipt of this letter will result in : Formal complaints filed with the CFPB, FTC, and Illinois Attorney General Litigation for statutory damages due to willful violations of federal and state consumer law Under UCC 1-308, I reserve all rights without prejudice. You are now on notice. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NY

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 : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$89.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 2025-07-23 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: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-23 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:
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 : INQUIRIES : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XX/XX/year>

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 2025-07-23 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: NY

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, 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 must allow at least 21 days between the statement date and the payment due 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 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 2025-07-23 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: TX

Complaint narrative:
I am a victim of identity theft. The accounts i have reported do not belong to me. I have asked to credit bureaus to remove them and they have not done so and they have not sent me anything to verify these accounts

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