vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
This is my fifth formal follow-up complaint regarding the continued and unlawful presence of inaccurate information on my credit reports from Experian, Equifax, and TransUnion, despite multiple disputes and extensive documentation I have previously submitted. Experian still reports addresses that have never belonged to meXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXcausing financial disruptions, identity-verification problems, and repeated delays during credit applications. At the same time, several accounts continue to display conflicting and unverifiable data across all three bureaus : Experian lists XXXX XXXX XXXX with balances of {$1400.00} and {$8600.00} both tied to XX/XX/year>, while TransUnion lists XXXXXXXX XXXX XXXXXXXX with different datesXXXX for the {$1400.00} balance and XX/XX/year> for the {$8600.00} balanceand Equifax reports XXXX XXXX with a {$0.00} balance as of XX/XX/year>. These inconsistencies clearly violate FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ) because they demonstrate that the bureaus have not conducted a reasonable reinvestigation nor verified the accuracy of furnished data. Furthermore, multiple charge-offs remain inaccurately displayed across the bureaus, including XXXX XXXX with a {$260.00} balance on all three bureaus, XXXX XXXX XXXX XXXX showing {$0.00} * * on Experian and Equifax but XXXX XXXX appearing separately on TransUnion, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance on TransUnion. These inconsistent account numbers, differing balances, and contradictory dates show that the information remains unverifiable and unreliable under FCRA standards. These persistent inaccuracies have significantly harmed my ability to obtain fair lending, caused repeated denial of credit, and created ongoing stress due to the instability of my credit profile. After four previous disputes, the repeated reappearance of these errors shows a pattern of non-compliance and a failure by the bureaus to uphold their statutory responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
This is my fifth formal follow-up complaint regarding the continued and unlawful presence of inaccurate information on my credit reports from Experian, Equifax, and TransUnion, despite multiple disputes and extensive documentation I have previously submitted. Experian still reports addresses that have never belonged to meXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXcausing financial disruptions, identity-verification problems, and repeated delays during credit applications. At the same time, several accounts continue to display conflicting and unverifiable data across all three bureaus : Experian lists XXXX XXXX XXXX with balances of {$1400.00} and {$8600.00} both tied to XX/XX/year>, while TransUnion lists XXXXXXXX XXXX XXXXXXXX with different datesXXXX for the {$1400.00} balance and XX/XX/year> for the {$8600.00} balanceand Equifax reports XXXX XXXX with a {$0.00} balance as of XX/XX/year>. These inconsistencies clearly violate FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 607 ( b ) because they demonstrate that the bureaus have not conducted a reasonable reinvestigation nor verified the accuracy of furnished data. Furthermore, multiple charge-offs remain inaccurately displayed across the bureaus, including XXXX XXXX with a {$260.00} balance on all three bureaus, XXXX XXXX XXXX XXXX showing {$0.00} * * on Experian and Equifax but XXXX XXXX appearing separately on TransUnion, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a {$0.00} balance on TransUnion. These inconsistent account numbers, differing balances, and contradictory dates show that the information remains unverifiable and unreliable under FCRA standards. These persistent inaccuracies have significantly harmed my ability to obtain fair lending, caused repeated denial of credit, and created ongoing stress due to the instability of my credit profile. After four previous disputes, the repeated reappearance of these errors shows a pattern of non-compliance and a failure by the bureaus to uphold their statutory responsibilities.

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 2025-12-08 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: NV

Complaint narrative:
I am submitting this as a follow-up complaint because several items on my Equifax, TransUnion, and Experian credit reports continue to be reported inaccurately despite my prior dispute submissions. These unresolved inaccuracies violate my rights under the FCRA 602, 603, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require accurate reporting, proper verification, and a lawful reinvestigation once a consumer notifies the bureaus of errors. The following accounts remain incorrectly reported and have not been properly validated or corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX of Last Activity : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NV

Complaint narrative:
I am submitting this as a follow-up complaint because several items on my Equifax, TransUnion, and Experian credit reports continue to be reported inaccurately despite my prior dispute submissions. These unresolved inaccuracies violate my rights under the FCRA 602, 603, 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require accurate reporting, proper verification, and a lawful reinvestigation once a consumer notifies the bureaus of errors. The following accounts remain incorrectly reported and have not been properly validated or corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX of Last Activity : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$48000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
Issue : Mortgage balance inflated and mishandled during/after COVID forbearance ; improper capitalization ; inaccurate principal ; servicer errors ; loan transferred repeatedly ; VA forbearance rules violated. 

Summary : We had a VA loan originated in XX/XX/XXXX for {$430000.00} at 2.75 %. We entered COVID forbearance under the CARES Act. When leaving forbearance, XXXX XXXX added the entire amount of missed payments onto our principal and reset our loan amortization, despite VA rules stating missed payments must be deferred, not capitalized. 

In XX/XX/XXXX, I requested all documents from XXXX XXXX the originator of our home loan. I asked for the partial claim documentation and all they sent me was a loan modification document dated XX/XX/XXXX. We did go into forbearance a few times and unfortunately, my copies of documents have been misplaced, which is why I requested original documents from XXXX XXXX. What prompted us to contact for copies was when we received a separate statement from XXXX mortgage with a 'Lien ' amount in addition to increased balance from original loan balance. 

Our loan has also been transferred multiple times, and we believe payments were misapplied. Despite over 3 years of on-time payments, our combined balances still total approximately {$430000.00} almost identical to the original principal amount which is mathematically impossible under a 2.75 % fixed VA loan XXXX 

We request an investigation into : Improper capitalization of missed payments Incorrect loan modification handling Incorrect principal balance Misapplied or missing payments Servicing transfer errors Failure to follow VA forbearance and partial claim rules We have submitted a QWR and request full regulatory 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 2025-12-08 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Somebody got my social security number and run up a {$370.00} credit card bill Capital One

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I had a Chime bank account, Credit builder account, and a Chime savings account. I had to close my accounts due to Chime taking my money away with so many hidden fees and monthly fees. When I went to close my accounts and get my money back, Chime closed my accounts but never gave me my money back. Chime also sold my information to other companies without my permission. Chime didn't give me refunds on transactions that I didn't make. They kept my money after I closed my accounts. Chime stated that they didn't owe me any money. I had to open another bank account and transfer our social security payments to the new bank account to prevent Chime from taking any more of our money. Plus chime also took the money I saved in my savings account and credit builder accounts as well. We worked hard to make ends meet to survive while being homeless, & getting us a new place to stay. Chime took most of our funds. DON'T TRUST CHIME WITH YOUR MONEY OR ANYTHING. I went into debt because of Chime 's deceitful practices. I also lost our vehicle due to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am challenging all my inaccurate information on my consumer profile using the FRCA and metro 2 compliance.

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 2025-12-08 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: NC

Complaint narrative:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. The Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : According to my research about FCRA 623 ( a ) ( 1 ) ( A ) AND FDCPA 807 ( 15 U.S.C. 1692e Reporting Accurate Information, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems and their affiliate XXXX because they contacted me repeatedly in an attempt to collect the same disputed XXXX balance that another collection agency had already been notified was invalid. After receiving a previous debt collection notice from XXXX XXXX, I disputed the debt in writing and requested validation. No validation was ever provided by any collector. Despite the active dispute and despite the fact that I had already instructed the initial collector to cease all communication, Jefferson Capital Systems began contacting me as well. 

The repeated emails I received from this company demonstrate a pattern of harassment and disregard for the FDCPA, which explicitly prohibits further collection efforts on a disputed debt until proper validation is provided. This debt is not only unvalidated but also not a consumer debt at all, as it arises from a commercial transaction in which the buyer attempted to defraud me after losing an XXXX case. Jefferson Capital pursued collection attempts without any legal basis, without verifying the claim, and despite the fact that the original collector had already been told to stop contacting me. Their behavior constitutes harassment, unlawful continuation of collection activity, and misrepresentation of a disputed debt. I request that the CFPB investigate Jefferson Capital Systems and take appropriate enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
They are granishing me work check it start in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am disputing inaccurate credit reporting by Nelnet regarding my federal student loans. During the federal XXXX administrative forbearance period, federal rules required loan servicers to report accounts as current and to not report delinquency. 

Nelnet reported late payments during this period. This reporting is inaccurate and has impacted my credit score. I disputed with XXXX, and they responded that the servicer " verified '' the information. However, that does not make the reporting accurate. 

This request is not for account deletion. I am requesting correction of inaccurate reporting and an update to reflect current status for all months within the federal XXXX administrative forbearance period. 

I am providing my dispute case number and verification notice from XXXX. XXXX has already corrected the XX/XX/year> reporting by removing the late payment ( changing it to " ND '' ). This correction establishes that the information for that period was inaccurate. The same reporting periods for XXXX, XXXX, and XX/XX/year> continue to show delinquency, although they fall under the identical federal XXXX administrative forbearance protections and should therefore be corrected in the same manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NM

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I submitted an XXXX accommodation requesting electronic communication only, which PRA ignored. They called outside the requested communication method, violating ADA obligations and FDCPA 1692c.

In may and XX/XX/year>, I also submitted a full validation request asking for : A signed contract from XXXX XXXX XXXXXXXX of assignment showing PRA legally owns the debt Itemized statements Date and amount of the last payment Proof of accurate balance calculation PRA provided nothing. 

Despite failure to validate, PRA continued : Reporting tXXXX XXXX XXXX XXXX  Updating the balance Pursuing collection activity Under FDCPA and FCRA, this is illegal.

Company response to consumer: Closed with non-monetary relief