vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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:
I disputed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher

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 2025-07-07 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: SC

Complaint narrative:
My personal information was exposed to XXXX XXXX breach and my identity was stolen and I do not recognize these accounts listed below : XXXX. XXXX XXXXXXXX ( TransUnion, Experian ) XXXX XXXX XXXXXXXX XXXX ( Experian ) XXXX. XXXX XXXX  XXXX TransUnion, Experian ) XXXX. XXXX XXXX XXXX XXXX XXXX TransUnion, Experian ) XXXX. XXXX XXXX XXXX XXXX TransUnion, Experian ) XXXX XXXX XXXX XXXX  XXXX TransUnion, Experian ) XXXX. XXXX XXXX XXXX XXXX Equifax, TransUnion, Experian ) XXXX. XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX. XXXX XXXX XXXX XXXX XXXX TransUnion, Experian ) XXXXXXXX XXXX XXXX XXXX  ( Multiple Accounts ) ( Equifax, TransUnion ) XXXX. XXXX XXXX XXXX Multiple Accounts ) ( Equifax, TransUnion ) XXXX. XXXX XXXX ( Collection ) ( Experian ) XXXX. XXXX XXXX XXXX ( Collection ) ( Equifax, TransUnion XXXX Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
My personal information was exposed to XXXX XXXX breach and my identity was stolen and I do not recognize these accounts listed below : XXXX. XXXX XXXXXXXX ( TransUnion, Experian ) XXXX XXXX XXXXXXXX XXXX ( Experian ) XXXX. XXXX XXXX  XXXX TransUnion, Experian ) XXXX. XXXX XXXX XXXX XXXX XXXX TransUnion, Experian ) XXXX. XXXX XXXX XXXX XXXX TransUnion, Experian ) XXXX XXXX XXXX XXXX  XXXX TransUnion, Experian ) XXXX. XXXX XXXX XXXX XXXX Equifax, TransUnion, Experian ) XXXX. XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX. XXXX XXXX XXXX XXXX XXXX TransUnion, Experian ) XXXXXXXX XXXX XXXX XXXX  ( Multiple Accounts ) ( Equifax, TransUnion ) XXXX. XXXX XXXX XXXX Multiple Accounts ) ( Equifax, TransUnion ) XXXX. XXXX XXXX ( Collection ) ( Experian ) XXXX. XXXX XXXX XXXX ( Collection ) ( Equifax, TransUnion XXXX Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX Date : XX/XX/year> Subject : Request for Copy of IRS Form 1099-C ( Cancellation of Debt ) To Whom It May Concern, I am writing to formally request a copy of IRS Form 1099-C that should have been issued in connection with the cancellation or discharge of a debt that I incurred with your company. 
To ensure accuracy in my tax records and filings with the Internal Revenue Service, I am requesting that you provide documentation confirming whether a 1099-C was filed, and if so, send a copy of the form to me at the address listed above.

If the debt was not canceled, or no 1099-C was filed, I respectfully request written confirmation of that status. 
Please send the requested information to my mailing address listed above. If you have any questions or require further verification, feel free to contact me at the phone number or email address provided. 
Thank you for your time and prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
{$45000.00} loan with GoodLeap The initial contract was signed in XX/XX/XXXX for XXXX HVACs. 
Loan offer : If payoff loan before XX/XX/XXXX, no interest charged. 

Assumed payments of {$4000.00} monthly started in XX/XX/XXXX, however, called the GoodLeap and the initial payment was XXXX of XXXX. {$4000.00} paid each month from XX/XX/XXXX to XX/XX/XXXX ( total {$40000.00} ). GoodLeap did not debit account for the XX/XX/XXXX payment so started charging interest. So {$5000.00} was owed at this point and they charged additional interest of {$5000.00} since the loan was not paid off at the end of XX/XX/XXXX. We only owed {$5000.00} why charging interest of {$5000.00} when paid a total of {$40000.00} already. We did not tell the bank to stop payment. Would like back {$5000.00} for overcharge of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern, TransUnion has violated FCRA 607 ( b ) by failing to ensure the accuracy and integrity of the information it reports. On XXXX XXXX XXXX, I submitted a formal dispute along with a court order clearly stating that the XXXX loan in question was dismissed and therefore no longer legally collectable or reportable. 

They responded on XX/XX/XXXX, at XXXX, rather than removing the account, TransUnion updated the remark to " paid profit and loss '', which is both inaccurate and misleading. As a direct result of this incorrect update, my credit score dropped XXXX pointsdespite the debt being over 6 years old and legally resolved. 

This is not only a factual errorit is a failure to meet basic FCRA obligations. TransUnions continued reporting of this account is causing unwarranted financial harm, and I am formally requesting regulatory intervention.

Requested Resolution : Immediate removal of the XXXX account from my TransUnion credit report. 

Regulatory review of TransUnions dispute process and handling of court-documented dismissals. 

Issuance of a corrected credit report reflecting the accounts removal.

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 2025-07-07 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: IL

Complaint narrative:
This is additional information for the cfpb # XXXX since they closed my dispute on Experian with a verified statement. 

I am filing this complaint regarding Experians inaccurate reporting of my XXXXXXXX XXXX XXXXXXXX account XXXX XXXX. The account was charged off in XX/XX/XXXX, but Experian continues to report it as past due as of XX/XX/XXXX, falsely suggesting ongoing delinquency on a closed, charged-off account. I have already disputed this issue with Experian, but they verified the account without correcting the inaccurate charge-off and past-due dates, indicating an unreasonable investigation in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). This inaccurate reporting is causing significant harm because I have been a XXXX mother and grandmother since XXXX, rely entirely on my spouse for financial support, and have been repeatedly denied credit. 

I request that Experian provide documentation of their verification process ( including systems/databases accessed, dates/times, and how they reviewed actual records ) or delete the inaccurate tradeline. I also request the CFPB keep this complaint open until Experian fully complies with the law. 

Only Experian is showing it as current past due payments!

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
I am filing this complaint because Discover is reporting a charged-off account on my credit report in a way that is misleading, inaccurate, and damaging to my credit standing. 

The account was charged off in XX/XX/XXXX, yet Discover is still updating the tradeline to show the balance as past due as of XX/XX/XXXX, as shown in the attached screenshot. This appears to be re-aging the debt, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

This account is no longer being actively collected and was already written off by Discover. It should not be continuing to harm my credit report through monthly negative updates, especially years after charge-off. The account shows 49 months of negative history, which is excessive and punitive for a debt that is no longer being pursued. 

I am requesting the full deletion of this Discover account from my credit file with all major credit bureaus due to improper and ongoing harmful reporting. I have attached a screenshot showing the XX/XX/XXXX update on a XX/XX/XXXX charge-off for review. 

I am requesting CFPB oversight and a resolution from Discover to correct this reporting immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax Dispute Department, I am writing to formally dispute several hard inquiries listed on my Equifax credit report that I do not recognize and did not authorize. Under the Fair Credit Reporting Act ( FCRA ), only inquiries initiated by my explicit consent should appear on my credit file. 

The following hard inquiries appear on my credit report and are being disputed : 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

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

Complaint narrative:
I am filing this formal complaint regarding a charge-off account that is being reported inaccurately on my credit report by Equifax. The account in question is listed as : - Creditor Name : XXXX XXXX XXXX Partial Account Number : XXXX - Reported Balance : {$3800.00} - Credit Limit : {$3500.00} - Status : Charged off, {$3800.00} past due - Account Closed : At credit grantor 's request - Date Opened : XX/XX/XXXX - Last Payment Date : XX/XX/XXXX - Balance Last Updated : XX/XX/XXXX I dispute the accuracy and legality of how this account is being reported for the following reasons : 1. Violation of the Truth in Lending Act - 15 U.S. Code 1601 This federal law ensures that creditors and reporting agencies provide clear and truthful disclosures of credit terms. The account shows a balance ( {$3800.00} ) that exceeds the original credit limit ( {$3500.00} ), which may include excessive interest or fees after the charge-off. This practice is misleading and does not reflect the " informed use of credit '' mandated by the law.

2. Improper Post-Charge-Off Reporting Although the account was charged off and closed, Equifax continues to update the balance, which was last reported on XX/XX/XXXX. Continued updates post-charge-off can mislead lenders, distort my credit profile, and unfairly impact my creditworthiness. 
3. Incomplete or Inconsistent Reporting The account lacks essential details such as monthly payment terms and appears to be inaccurately maintained, which violates not only the Truth in Lending Act but also the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete reporting. 
I have contacted Equifax to resolve this matter but have not received a satisfactory resolution. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) : - Investigate the reporting of this XXXX charge-off account - Ensure Equifax complies with 15 U.S. Code 1601 and the FCRA - Require them to remove or correct this inaccurate and unfairly reported information Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full. 

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
Hello, I am submitting this complaint concerning the fraudulent items found in Experian, Equifax, and TransUnion Credit Bureaus. Now, I appreciate that some of the items have been removed, but there are still remaining items that were opened without my permission. Therefore, I am requesting once again for the removal of these remaining items. Please review the list of fraudulent items that I would like to be removed in my next update : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
Hello, I am submitting this complaint concerning the fraudulent items found in Experian, Equifax, and TransUnion Credit Bureaus. Now, I appreciate that some of the items have been removed, but there are still remaining items that were opened without my permission. Therefore, I am requesting once again for the removal of these remaining items. Please review the list of fraudulent items that I would like to be removed in my next update : 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

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 2025-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
Fay Servicing LLC is attempting to foreclose on my homestead but I do not have a loan on my property.

The contract they are claiming is in default is void. My signature was forged on this contract.

Fay Servicing LLC knew this contract was fraudulent. Fay Servicing LLC created a loan number for this fraudulent loan and had me making payments on this loan knowing there wasn't a " lender '' my payments were going to as payment of a debt.

This is a mortgage scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute multiple hard inquiries on my credit report that I did not authorize. Please investigate these entries and remove any inquiries that can not be fully verified with proper documentation. I also request an updated copy of my credit report reflecting these corrections and written confirmation of the outcome of your investigation.

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

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-07-07 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute Request Account Reporting Error ( XXXX XXXX XXXX ) To Whom It May Concern, I am formally disputing the accuracy of a collection account currently reported on my TransUnion credit report : Creditor Name : XXXX XXXX  XXXX Original Creditor : XXXX XXXX Account Type XXXX Open Account Government Date Opened : XX/XX/XXXX Balance : {$2800.00} Pay Status : >Collection< This account appears to have been opened and closed within a very short time frame ( opened XXXX  and closed XXXX ), and is already listed as being in collection with a balance of {$2800.00}. I am requesting immediate verification and removal of this account under the following consumer protection laws : 15 U.S. Code 1681i - FCRA Reinvestigation Requirements As a consumer, I have the right to dispute inaccurate or incomplete information in my credit file. I request a full reinvestigation of this account, including : Verification of the original signed contract or obligation bearing my wet signature Complete chain of custody, including the assignment, bill of sale, and proof of ownership Proof that the debt is legally valid, enforceable, and that I was properly notified of its status 15 U.S. Code 1692g - FDCPA Debt Validation If this debt was transferred to a third-party agency or is now considered in collection, I am also requesting : Full debt validation including the name of the original creditor, amount of the debt, itemization of charges, and proof you have the legal right to collect The original agreement establishing the debt Proof of compliance with the initial notice requirement under 1692g ( a ) Additional Concerns : The account was placed in collection and closed within one month, which raises serious concerns of inaccuracy, fraud, or reporting error. 
The high balance is listed lower than the current balance, suggesting errors in data reporting or retroactive interest/fees not documented. 
No payment has been made or documented, which implies no verified attempt at resolution was offered. 


Please delete this item if you can not verify all information as required by the above laws. If the item is not removed, please provide the full documentation verifying its accuracy within 30 days as required. 

I am also requesting that this account be flagged as disputed by consumer on my credit file while the investigation is ongoing. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief