vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress.

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-05-15 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
Weekly for about 3 years now I get calls from debt collects for XXXX and my last. I do not know this person or have connection with, nor do I have debt. Each time I call I tell them this but still receive calls. In the past 2 months I have been called twice a week from Pennymac. I have not picked up their calls, and when I do, I tell them they have the wrong number, but they still call me from different numbers after I've blocked them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FB FINANCIAL CORPORATION
State: FL

Complaint narrative:
Mortgage servicing company : Firstbank by XXXX  Hello : I logged in to my mortgage account last Tuesday XX/XX/XXXX around noon and I noticed irregularities in the payment history. There were XXXX lines of debits and credits back and forth from just my XX/XX/XXXX payment. 
I called and talked to a representative that at first was ok but as the conversation progressed got an disrespectful and rude voice tone. She said that the credits and debits were caused by a glitch in the system but that the final principal amount was correct. Which is not true and I will explain why in a moment. I asked to talk to a supervisor. She said that a supervisor was only going to repeat what she had told me already. After being on hold for XXXX minutes approx. she said that someone was going to call me back at XXXX. That person never called me. 
I sent a payment of {$2000.00}. My mortgage payment is {$750.00}. After a big mess of credits and debits. the payment appears as two regular payments of {$750.00} and {$490.00} for the principal only instead of {$750.00} and {$1200.00} toward principal only. This is why my next payment right now doesn't show until XX/XX/XXXX instead of XX/XX/XXXX. 

1- Why are payments being handled this way?

2- Aren't customers supposed to be notified about glitches in the system or any irregularities caused by an internal company problem?

3- How do I know that may next payment in XXXX will go to principal only ( since as per their wrongful calculation XXXX is already paid ).?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I'm submitting this complaint with certainty and deep frustration. My credit report contains numerous errors that I can no longer ignore. These inaccuracies have severely damaged my credit score, preventing me from achieving financial stability and freedom. 

Additionally, there are fraudulent inquiries on my report applications made in my name that I neither authorized nor applied for. These companies accessed my credit report without my consent, further impacting my credit standing. Despite contacting the credit bureau and being assured that these inquiries would be removed, they remain on my report, causing ongoing stress and anxiety.

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 2025-05-15 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 profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-05-15 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$2800.00} XXXX XXXX XXXX - XXXX * * * * * * XXXX XXXX * * * * * XXXX - XX/XX/XXXX - {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2300.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$410.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$10000.00} INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Im not liable for this debt with MIDLAND CREDIT MANAGEMENT INC I do not have a contract with the Collecttion agency trying to collect this debt they did not provide me with the original contract as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I'm submitting this complaint with certainty and deep frustration. My credit report contains numerous errors that I can no longer ignore. These inaccuracies have severely damaged my credit score, preventing me from achieving financial stability and freedom. 

Additionally, there are fraudulent inquiries on my report applications made in my name that I neither authorized nor applied for. These companies accessed my credit report without my consent, further impacting my credit standing. Despite contacting the credit bureau and being assured that these inquiries would be removed, they remain on my report, causing ongoing stress and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of certain accounts reported on my credit file. The accounts in question are being reported by XXXX XXXX XXXX ( XXXX ) with the following details : Account Number : XXXX Original Creditor : XXXX XXXX  Balance : {$870.00} Status : Collection Account Account Number : XXXX Original Creditor : XXXX XXXX Balance : {$3400.00} Status : Collection Account Account Number : XXXX Original Creditor : XXXX XXXX Balance : {$1200.00} Status : Collection Account I previously submitted a verification request to XXXX XXXX XXXX on XX/XX/year>, and XX/XX/year>, under the Fair Debt Collection Practices Act ( FDCPA ) XXXX to validate their legal right to collect these debts. However, XXXX  failed to provide adequate documentation, as they only sent billing statements rather than proof of assignment XXXX did not provide : XXXX. Proof of Assignment or Ownership : No legally binding contract showing they were assigned or purchased the debt. 
XXXX. Original Signed Agreement : No documentation proving I agreed to this debt or authorized XXXX to collect it. 
XXXX. Full Accounting of the Debt : No complete breakdown of how the balance was calculated. 
Since XXXX has failed to properly validate these debts, they are in violation of the FDCPA XXXX and the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, which require that information reported to credit bureaus be accurate and verifiable. 
I request that you conduct an independent review of these accounts and provide me with the method of verification ( MOV ) you used to determine their accuracy. If XXXX can not verify the debts as required by law, I formally request the immediate deletion of these accounts from my credit report. Please see the attached billing statements provided by XXXX as debt validation. 
Please provide me with written confirmation once these accounts have been removed. I appreciate your prompt attention to this matter. 
Warm Regards, 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: MI

Complaint narrative:
I am writing to formally dispute a 90-day late payment that was reported on my credit file for the account associated with my student loan in XX/XX/2025. 

According to the payment history reported, the account is shown as XXXX in XX/XX/2025, and suddenly 90 days delinquent in XX/XX/2025 this is inconsistent and not logically or mathematically accurate. A 90-day delinquency implies missed payments

for three consecutive months, yet the history shows the account as current just one month prior. In addition, I was not properly notified of any delinquency, and the loan
servicer was using incorrect contact information. I only became aware of the issue after it was reported to the credit bureaus, and I immediately paid the balance in full as soon as I was alerted and able to. This clearly shows no intent to default and immediate resolution upon notification. 

This single error caused my credit score to drop from XXXX to XXXX, which is devastating and unfair given my otherwise strong payment history. I am now being penalized and unable to qualify for essential needs like a mortgage or vehicle financing, all based on a reporting inaccuracy and poor communication from the lender. 

I am requesting the following : A full investigation into the accuracy of the 90-day delinquency as reported Removal of the negative mark if the timeline is inaccurate or unverifiable A goodwill adjustment if the information can not be removed on technical grounds Please find attached a screenshot of the account history showing the inconsistency ( XXXX marked current, XXXX marked 90 days late ). I respectfully ask that you resolve this matter as quickly as possible. 

Thank you for your time and attention. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-05-15 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2025-05-15 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: Elevate Recoveries, LLC
State: FL

Complaint narrative:
On XX/XX/year> I discovered that Elevated Recoveries, a debt collection agency, made an unauthorized soft inquiry on my XXXX  credit report. I have no prior or existing relationship with this company, have never provided written consent, and have not initiated any credit transaction that would give them a permissible purpose to access my report.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company must have a lawful reasonsuch as a consumer-initiated transaction, written consent, or account reviewto access a consumer credit file. Elevated Recoveries did not meet any of these requirements, and therefore their inquiry constitutes a violation of federal consumer protection laws.

I am requesting that the CFPB investigate this matter, hold Elevated Recoveries accountable for unauthorized access, and ensure the removal of this inquiry from my credit file. This unlawful access has caused me distress and potentially impacted my credit profile.

Company response to consumer: Closed with explanation