vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: MI

Complaint narrative:
I am submitting this complaint because I found incorrect information on my credit report, which I obtained from XXXX. I sent a formal dispute asking for a full reinvestigation of certain accounts and personal details, as allowed under the Fair Credit Reporting Act. I also requested details on how the information was verified and asked for full file disclosure, according to 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

This is a specific and valid dispute. I am not asking for automated or generic responses. I personally prepared and sent each dispute along with the required identification and supporting documents. However, the inaccurate information is still being reported, and it appears no proper investigation was done. 

The Fair Credit Reporting Act requires a complete and good-faith reinvestigation of the disputed item, including all related informationnot just the tradeline. I am asking for the CFPBs support in making sure this matter is properly handled and my rights are protected.

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 2025-05-14 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: MI

Complaint narrative:
I am submitting this complaint because I found incorrect information on my credit report, which I obtained from XXXX. I sent a formal dispute asking for a full reinvestigation of certain accounts and personal details, as allowed under the Fair Credit Reporting Act. I also requested details on how the information was verified and asked for full file disclosure, according to 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

This is a specific and valid dispute. I am not asking for automated or generic responses. I personally prepared and sent each dispute along with the required identification and supporting documents. However, the inaccurate information is still being reported, and it appears no proper investigation was done. 

The Fair Credit Reporting Act requires a complete and good-faith reinvestigation of the disputed item, including all related informationnot just the tradeline. I am asking for the CFPBs support in making sure this matter is properly handled and my rights are protected.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MI

Complaint narrative:
I am submitting this complaint to dispute the accuracy of the payment history reported on certain accounts listed in my credit file. I believe some of the reported late payments are incorrect and may qualify as billing errors under 15 USC 1666 ( b ) of the Fair Credit Billing Act. 

To the best of my knowledge, I was not late on these accounts. I respectfully request a full investigation and correction of any inaccurate information to reflect on-time payment history. 

This ongoing issue has been very stressful and is now impacting my daily life. The continued presence of these errors has been emotionally and mentally draining. 

I am filing this dispute independentlyno third party is involved. I ask that this matter be reviewed carefully and resolved in a timely and fair manner. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 letter serves as my XXXX  formal dispute and demand for correction regarding inaccurate personal information on my credit report, which remains unresolved despite XXXX previous written communicationson XX/XX/XXXX, and XX/XX/XXXX. 

My correct and current personal information is : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX Date of Birth : XX/XX/XXXX In each of my prior letters, I included all required documentation under the Fair Credit Reporting Act ( FCRA ), including : A copy of my government-issued ID A utility bill verifying my current address A copy of my Social Security card Despite this, the inaccurate address remains on my report, and I have received no written response or evidence of a reinvestigation, which is a direct violation of your obligations under FCRA 1681i ( a ) ( 1 ). You are legally required to conduct a reasonable reinvestigation and respond within XXXX  days of receiving a dispute. 

Additionally, continued reporting of inaccurate personal information violates the FCRA 's requirement to ensure the maximum possible accuracy of consumer data, as stated in FCRA 1681e ( b ). 

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a complaint regarding the inaccurate, unverified, and improperly reported debt information on my consumer credit reports. The reporting agencies and debt collectors involved have violated several federal consumer protection laws including : FDCPA 809 ( b ) : They failed to provide adequate debt validation upon request. 

FCRA 1681i and 623 ( a ) : They continued reporting inaccurate information without proper investigation or dispute notations. 

HIPAA 45 CFR 164.502 : Medical debt was shared with third-party debt collectors without proper authorization. 

Despite my written disputes and requests for validation, the accounts remain on my credit report with incomplete or misleading information. I request a full investigation, deletion of unvalidated accounts, and penalties for any verified violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Date : XX/XX/year> Amount : {$1000.00} Request for Validation Pursuant to 15 U.S.C. 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am submitting this complaint against Aidvantage for willfully and negligently reporting a XXXX late payment on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Specifically : I never received notice of any delinquency. 
I have no contract or agreement with Aidvantage establishing a valid debtor-creditor relationship. 
Aidvantage failed to provide verification or validation of any debt, as required under the law. 
Reporting a derogatory mark without my knowledge or consent violates my due process rights and constitutes defamation of character under FCRA 1681i and 1681s-2. 

This inaccurate reporting has caused me financial and reputational harm, including credit denials and elevated interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Good day! Upon reviewing my latest update, I've noticed that numerous fraudulent account have been successfully removed, for which I'm sincerely grateful. However, I would like to kindly request once more for XXXX  Credit Bureau to remove the remaining fraudulent entries from my credit report. Below, I've listed the remaining fraudulent account that I would appreciate being addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00}

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 2025-05-14 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: IL

Complaint narrative:
This XXXX XXXX account has continued to report inaccurate information on the payment summary section each time I have disputed. Ive called to explain the inaccuracies and have been hung up on and treated rudely by experian workers. Im getting very frustrated as this inaccuracy is holding me back from getting approved from credit. The account was paid off as of XX/XX/XXXX and the account information reflects this, but the payment summary section is reporting continued CO chargeoff status even after the account was paid and closed off. The payment summary section was reporting as it should CLS, closed according to experian payment history legend, with no further reporting afterwords as there was no other information to report, but on XX/XX/XXXX credit report it then reflected CLS on XX/XX/XXXX which is inaccurate reporting since it was paid in XXXX XXXX then on XX/XX/XXXX report it had CO reporting on XX/XX/XXXX, which was inaccurate according to previous experian reports and the fact that XXXX according to XXXX XXXX is a final status reporting and there was no other payment activity happening after XX/XX/XXXX. Now today on XX/XX/XXXX report after their reinvestigation they are reporting CO even on XX/XX/XXXX and every month after that all the way up until XX/XX/XXXX, which is also inaccurate and contradicts their previous reporting which showed that the account was marked as XXXX on XX/XX/XXXX with no other payment activity happening after that date. This has caused my credit to go done and is preventing me from having access to credit this is my last time trying to rectify this before going to small claims and suing for 1681i for an unreasonable reinvestigation as I have plenty of proof to prove it. Please update this account to reflect accurate payment history in the payment summary section to match the account info. Ive attached the previous reports that I mentioned inthiscomplaint.

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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently applied for an auto loan and was denied due to multiple accounts being open in my name from the collectors, attempting to collect a debt that I wasnt aware of. On XX/XX/scrub> 2025 I sent out validation letters to all the three bureaus ( identity theft and data breach ) to do a thorough investigation into the false accounts open in my name. To prove that I am the owner of these debts to provide a chain of command, provide the original contract with my signature on it with history of payment. I requested immediate removal of all inaccurate unverified account. this resulted in a huge decrease in my credit score with the three bureaus doing a lazy investigation, resulting in the account remaining open and on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Date : XX/XX/year> Amount : {$1000.00} Request for Validation Pursuant to 15 U.S.C. 1692g

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 2025-05-14 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: PA

Complaint narrative:
Date : XX/XX/year> Amount : {$1000.00} Request for Validation Pursuant to 15 U.S.C. 1692g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MI

Complaint narrative:
I am filing this complaint because my credit report, which I accessed through XXXX, contains inaccurate information. I submitted a formal dispute requesting a full reinvestigation of certain accounts and personal information, as provided by the Fair Credit Reporting Act. I also asked for the method used to verify the information and a full disclosure of my credit file, under 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

This is a valid and specific dispute. I am not looking for generic responses or system-generated letters. I personally prepared and submitted each dispute with the necessary identification and documents. Despite my efforts, the incorrect information remains, and I see no proof that a proper reinvestigation was completed.

The Fair Credit Reporting Act requires a thorough and honest reinvestigation of the entire item in question, including all related detailsnot just the tradeline. I am asking for the CFPBs help in making sure this issue is fully addressed and handled according to the 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 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have to make a new complaint since I cant counter the original complaint. Consumer Finance decided to close my complaint without any resolution. The complaint shouldnt have been closed at all since the only thing the company ( Mr. Cooper ) did was respond with incorrect information. The mortgage company Mr. Cooper responded to my complaint on XX/XX/XXXX XXXX  and then the complaint was closed on the same day, XX/XX/XXXX, XXXX 

Complaint was closed without resolution. The Original ID of complaint is : XXXX I have made my payments on time and since the monthly mortgage insurance didnt change, I therefore should not be short on escrow. I dont have escrow with Mr. Cooper or with XXXX . I pay for property taxes and home insurance separately. Mr. Cooper will need to work out these details with XXXX XXXX XXXX ( XXXX ) about where the money went since each of my payments were made on time. Just because the loan transferred from XXXX to Mr. Cooper and now there had been a discrepancy does NOT mean it is my issue. The discrepancy is between the XXXX and Mr. Cooper companies. Mr. Cooper is now charging the consumer for their error. 

Im not sure why the mortgage company is forcing me to pay for their mistake. The consumer finance should agree since this wasnt caused due to anything I did. 

I have attached the original email from Mr. Cooper that states the following on XX/XX/XXXX : Rest assured that the terms of your mortgage havent changed. 

Below is the original unresolved complaint submission : - I had my loan originally through XXXX XXXX XXXX XXXX XXXX  ). 
I paid my property tax and my insurance separate from my mortgage. 
My total mortgage for the last 3.5 years was {$2300.00}. 

On XX/XX/XXXX XXXX loan was transferred to Mr. Cooper loan. 
From XX/XX/XXXX through XX/XX/XXXX my payments have remained the same at {$2300.00}. 

On XX/XX/XXXX they have increased my payments and stated it was due to escrow. 
I dont have an escrow account with XXXX XXXX Mr. Cooper XXXX 
I called for explanation and Mr. Cooper representative had stated the XXXX account had only XXXX cents and they need to cover the negative cost of {$77.00} dollars. 

Im not sure where or how this shortage came from since the last 10 payments I had made with Mr. Cooper there was no shortage was never accounted for.

Ive paid my payments on time.

Now Im forced to pay an additional charge for an escrow that I dont even have.

None of my payments should have increased since everything is a fixed rate and Ive never been late on any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Recently, I did an investigation on my consumer credit report and found several items on there to be inaccurate. Under 15U.S.code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15U.S.Code1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XX/XX/XXXX {$450.00} Collection/Charge off. XXXX XXXX XX/XX/XXXX {$900.00} Collection/Charge off. XXXX XXXX XX/XX/XXXX {$610.00} ( Collection/Charge off ). XXXX XXXX XX/XX/XXXX {$610.00} ( Collection/Charge off ). XXXX XXXX XX/XX/XXXX {$1500.00} ( Collection/Charge off ). XXXX XXXX XX/XX/XXXX {$850.00} ( Collection/Charge off ). XXXX XX/XX/XXXX {$3400.00} ( Charged off as bad debt Dispute resolved ; customer disagrees ). XXXX XXXX XX/XX/XXXX {$26000.00} ( Charged off as bad debt Dispute resolved ; customer disagrees ). XXXX XXXX XX/XX/XXXX {$8800.00} ( Charged off as bad debt Dispute resolved ; customer disagrees ). XXXX XXXX XX/XX/XXXX {$860.00} ( Charged off as bad debt Profit and loss write-off ). XXXX XXXX XX/XX/XXXX {$0.00} ( Charged off as bad debt Account information disputed by consumer, meets FCRA requirements ). XXXX XX/XX/XXXX {$830.00} ( canceled by credit grantor ). XXXX XX/XX/XXXX {$0.00} ( CLOSED ). XXXX XX/XX/XXXX {$0.00} ( Inactive account ), In addition to these accounts, I have also noticed the following hard inquiries that I did not Authorize XXXX, XXXX XXXX, XXXX, XXXXXXXX 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 2025-05-14 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: OH

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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