vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: IL

Complaint narrative:
I have submitted multiple feedback requests to have my payment counts updated to be accurate and have submitted proof of payment from XXXX ( they sent me a letter with my payments ) and still XXXX will not update my account to reflect payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am noted to have XXXX payments towards XXXX with one in XX/XX/XXXX that just needs work certification. I technically then have done my XXXX payments for loan forgiveness but they are not processing the payments nor allowing me to apply for forgiveness as I can not say I am due for it until they update the payment count. I have screen shot attachments of the account and proof of the payments from XXXX I will upload. Can you please get them to correct my payments on the account to show accurate payments so I can move forward with attempting to have them process the loan forgiveness. I have been attempting to call and talk to anyone to get this fixed on multiple occasions and have submitted the forms for the count correction multiple times.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received the results, and the following accounts were verified. However, I do not think. 
Captial One account number # XXXX A complete investigation was completed. I am using my rights and requesting that you send me the method used to verify the following accounts below. Having these accounts is causing me to be denied credit, so whatever information can not be verified, I am demanding that within 15 days, the following information is deleted from my credit report. 

Reason for Dispute : I am disputing this account because I do not recognize this creditor. 
What you want to be done : I am positive this creditor will not have any information to verify this account, so I ask that it be deleted from my credit report. 

Please send the following information used to verify that these accounts are valid. If the creditor can not verify all this information, I request it be deleted immediately. 

o the name of the original creditor o the creditor 's address and telephone number o the person 's name they verified the Dispute with o the documentation used to verify the Dispute. 
XXXX I would appreciate a timely response outlining the steps to resolve this matter. 

If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-18 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-18 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-18 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: SC

Complaint narrative:
Subject : Dispute of Incorrect Medical Charge on Credit Report To Whom It May Concern, I am writing to dispute a medical charge that is incorrectly reported on my credit report. I contacted XXXX XXXX XXXX regarding this account, and they confirmed that the charge does not appear under my name or my patient records. 

The patient account number XXXX, which was provided by the Capio Partners collection agency, does not match my actual XXXX XXXX patient account number, which is XXXX. Because the hospital can not locate the bill under the number given by the collector, this account is incorrect. 

I request a full investigation and verification of this charge. Until accurate documentation is provided, I dispute this account and request that it be corrected or removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  SC, XXXX DOB : XX/XX/year> XXXX SS # XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am writing to dispute the following accounts and inquiries on my Equifax credit report as of [ insert date ]. These items are either inaccurate, incomplete, or require further investigation. 

Charged-Off 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 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 non-monetary relief
Consumer complaint received 2025-11-18 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:
b'Disputed accounts shall be settled within legally defined time periods.'

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 2025-11-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Lela Mae Portfolio Management Group
State: IN

Complaint narrative:
I have been contacted 36 times from this company via email with threatening language. I have also been called by this company on the phone with a person asking to speak with my attorney for a case that doesn't exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I write today to request an identity theft block and inquiry freeze because someone has been attempting to open accounts in my name without my permission or knowledge. Here is a complete list of all the fraudulent credit pulls : # Company Name Inquired on XXXX XXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Unauthorized XXXX XXXX XX/XX/XXXX Unauthorized I have not given any expressed consent to any of these companies : verbal, written, or otherwise. Please block the fraudulent inquiries per the Fair Credit Reporting Act 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 2025-11-18 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-18 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:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: CO

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX  - XX/XX/year> 2. 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 2025-11-18 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: GA

Complaint narrative:
I am writing to dispute the following items on my credit report, which I believe to be inaccurately reported. I request that these items be investigated and removed from my credit file.

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX, Account Number : XXXX , Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding the servicing of my mortgage following its transfer to Carrington in XX/XX/year>. Immediately upon transfer, my monthly payment increased by approximately {$950.00}. When I contacted Carrington for clarification, representatives were unable to explain the source of the increase. I requested documentation supporting the change, and I was initially told it was due to my homeowners insurance.

I provided proof that I have maintained and paid for my own insurance since purchasing the property. Despite this evidence, Carrington continued to charge me for forced-placed insurance and did not remove those charges. 

In XX/XX/year>, I was informed that the interest rate on my loan had increased ; however, by that time I was already six months behind due to the unexplained payment changes and my tenant 's refusal to pay rent. 

Between XXXX and XX/XX/year>, I applied multiple times for mortgage assistance. Each application was denied, and the denial letters listed an income of $ XXXXan amount I never submitted and which is incorrect. My actual income is {$15000.00}. When I called for clarification, I was told verbally that my application was denied because the property was allegedly not owner-occupied, but Carrington refused to provide written documentation stating this reason.

Most recently, I submitted another assistance application after moving into the property. Although I emailed the application twicemost recently on XX/XX/XXXX, XXXXCarrington now claims they have no record of receiving it. 



Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NV

Complaint narrative:
I am filing this complaint due to multiple inaccuracies on my TransUnion report. I have disputed these items, but TransUnion failed to verify them with the original creditor as required by FCRA law, particularly XXXX. 

I am requesting the CFPB to ensure TransUnion performs a lawful reinvestigation and removes every unverifiable or incomplete item. 

Charged Off Accounts in Dispute ( TU ) XXXX XXXX XXXX XXXXXXXX XX/XX/year> {$0.00} This account is being reported inconsistently across the bureaus and without any validation. 

Inquiries ( TU ) No inquiries listed to dispute. 

Late Payments ( TU ) The following late payments are being disputed due to inaccuracy and lack of verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOFED XXXXXXXX XXXX/DOFED XXXX XXXX/DOFED XXXX XXXXDOFED 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am filing this complaint because I am still seeing incorrect and outdated personal information on my credit report, even though I have already disputed these issues twice before. My most recent report ( dated XX/XX/year> ) still shows the following inaccurate information : Names listed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( incorrect or incomplete variations ) Previous Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ ( incorrect / outdated ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX AZ ( incorrect / outdated ) Employers : XXXX, XXXX XXXX XXXX ( outdated ; no longer current ) These items are either outdated, incomplete, or simply not mine. I have repeatedly asked to correct or remove them, but they continue to appear. At this point, I do not understand how these entries could have been verified, and I am concerned that no proper investigation was done. 
Under the Fair Credit Reporting Act, you are required to conduct a reasonable reinvestigation, delete unverifiable information, and correct any inaccurate personal data. Because this is my third dispute and nothing has changed, I am asking the CFPB for help.

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 2025-11-18 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: PA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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