vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: HI

Complaint narrative:
I am writing to formally dispute fraudulent accounts that have been inaccurately reported under my name. These accounts were opened without my knowledge, authorization, or consent, and their presence on my credit report constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
Letter was sent from Credit Collection Services to my address informing me that I owe a debt of {$180.00}. I sent a letter to Credit Collection Services to validate the debt. I gave them 30days also sent letter to ( XXXX XXXX XXXX XXXX  ) and they didn't remove from credit report after their verification. THE LAW STATE IF THEY CAN NOT VERIFIE DEBT IN 30DAYS IT NEEDS TO BE REMOVED FROM CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
Violation of my rights under the : Telephone Consumer Protection Act 47 USC 227.

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 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My wife and I recently bought a house in XXXXXXXX XXXX taking out a mortgage from XXXXXXXX XXXX  XXXX for part of the purchase price. When we sold our former home, we requested a payoff quote and paid off this loan in full ( see attached proof ). The payoff has been process and we received an escrow refund and verification from our county that we now own our home cleanly. However, XXXXXXXX XXXX XXXXXXXX sold the mortgage to a company called Mr. Cooper 2 days AFTER the payoff had been processed. Now I am receiving multiple requests from Mr. Cooper from mortgage payments, despite the fact that I provided Mr. Cooper with documentation of my mortgage payoff- to which they responded that they would seek payment from the former lender. If Mr. Cooper ( whatever fly-by-night mortgage-purchasing parasite that company might happen to be ) purchased a phantom, non-existent debt, they need to take up the matter with XXXX XXXX and cease harassing me. I ask that your office register this formal complaint and cite the Mr. Cooper company for this offense and levy whatever the strongest penalty the law allows against it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When reviewing my credit reports, I noticed XXXX accounts inaccurately reporting late payments. XXXX is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX with a late mark dated XX/XX/scrub>XXXX XXXX XXXX  which is showing across all three bureaus. The other is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a late mark dated XX/XX/year>XXXX XXXX XXXX which appears on my XXXX  file. 

The problem is simple but damaging : these late payments are not accurate. I kept my payments current during those months, yet the bureaus continue to report otherwise. I have already disputed these items multiple times, but the responses I get back are always the samean empty verified as accurate with no proof, no documents, and no explanation. 

Thats not what the law allows. The Fair Credit Reporting Act, specifically 15 U.S.C. 1681i, requires a reasonable reinvestigation when a consumer disputes information. What Ive been getting from the bureaus is not reasonableits a rubber-stamp process designed to push me aside instead of correcting clear errors. The FCRA also mandates that only accurate and verifiable information can remain on my report under 15 U.S.C. 1681e ( b ). If these late payments can not be backed up with real records, then reporting them is unlawful.

The impact has been harsh. These false late marks drag down my credit score and create an image of me that is simply untruethat I am careless with my financial obligations. Ive been denied credit and faced higher interest rates because of these mistakes. Each denial feels like being punished for something I didnt even do. Its humiliating to explain to lenders that the problem isnt me, but the reporting system thats supposed to protect me.

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 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Makower Abbate Guerra Wegner Vollmer PLLC
State: CA

Complaint narrative:
I am filing this complaint regarding improper debt collection practices and unresolved disputes relating to XXXX XXXX charges from XXXX XXXX XXXX, represented by the law firm Makower Abbate Guerra Wegner Vollmer PLLC. 

On XX/XX/XXXX, I submitted a formal written dispute to the Association contesting multiple charges, including : {$600.00} in fines for " storage in common elements '' ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) {$600.00} in fines for graffiti on trash receptacles ( XX/XX/XXXX and XX/XX/XXXX ) {$200.00} for patio fence violations ( XX/XX/XXXX ), even though the fence was repaired in XX/XX/XXXX {$150.00} in legal fees billed for a delinquency notice sent to the wrong address {$160.00} in administrative fees for late notices I never received I also requested copies of the bylaws and governing documents that allegedly authorize these charges. I made it clear I had not lived at the address where notices were sent for over XXXX years and had repeatedly updated my contact information. I asked that all future communication be sent via email due to my travel schedule. 

On XX/XX/XXXX, the law firm responded by claiming the charges were valid, but they did not address the underlying dispute points or provide proper validation as required under the FDCPA. Instead, they claimed I owed {$1700.00} and froze my account, preventing me from making monthly dues payments directly. 

Despite this, my records show I have paid over {$4500.00} in dues, but my account has been blocked from receiving payments, and additional charges continued to accrue. 

I sent a follow-up letter on XX/XX/XXXX, reiterating the dispute and objecting to the account freeze, which I believe was used punitively to generate more fees. In response, on XX/XX/XXXX, MAGWV sent a letter claiming my dispute was resolved and increased the total amount due to {$3000.00}, including additional late fees and fines. They also refused to accept payment unless I signed a hardship affidavit, which does not apply to my situation. 

I then submitted a payment under protest letter along with a full payment to stop further late fees, while reserving my right to continue disputing the balance. 

At no point have I refused to pay legitimate dues. I have only asked for a fair review of improperly applied fees, proper documentation, and the ability to pay my regular dues without agreeing to terms that do not apply to my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I am filing this complaint against Rent Debt Automated Collections and XXXX XXXX XXXX XXXX for willfully and lawfully reporting an eviction on my credit report in violation of multiple consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority.

Violations committed : 1.Fair Credit Reporting Act ( FCRA ) -15 U.S.C. 1681i and 1681s-2 ( b ) : The furnished failed to conduct a reasonable investigation and continues to report unverifiable and misleading information.

2.Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e : The reporting of this eviction is deceptive, as no final judgement or public record proving I legally owe this debt has been provided.

3.Gramm-Leach Bliley Act ( GLBA ) - Privacy Violation : The agency is reporting alleged eviction information that may have been obtained improperly or without permissible purpose under XXXX. 

4. No proof of ownership or assignment of debt : The furnished has not presented a lease, judgement, or chain of assignment to prove standing. 

Despite my previous disputes, this account remains on my credit file without verification or validation. I demand a full deletion of this eviction entry and a full investigation into the furnishers reporting practices. This account is damaging my ability to obtain housing and is being maintained without lawful justification. 

If this is not resolved immediately, I will escalate this matter with the FTC, state attorney general and pursue civil action for willful noncompliance and credit defamation under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MI

Complaint narrative:
Complaint : I am filing this complaint against Sallie Mae due to multiple instances of mismanagement, misinformation, and negligence that have caused severe financial and credit harm to me and my cosigner. 
I am currently enrolled as a student. My school placed me on a short-term break, after which classes resumed in XXXX. Despite this, Sallie Mae incorrectly converted my account from interest-only payments to full repayment. 
I contacted Sallie Mae multiple times to explain that I was still a student and my classes were resuming in XXXX. Several representatives assured me they would send me the required in-school deferment form. However, I later learned that Sallie Mae repeatedly sent me the wrong form. Eventually, one representative confirmed on a recorded line on that I had indeed been provided with the wrong documentation multiple times.

Because of Sallie Maes error, my account became past due. I am now over {$2000.00} past due, and my current balance due is similarly unaffordable. This delinquency occurred solely due to Sallie Maes negligence, not borrower fault. 
Sallie Mae representatives also incorrectly informed me that they did not offer any payment assistance programs. I later discovered this was false ; Sallie Mae publicly advertises repayment assistance options such as forbearance and reduced payment plans. 
These errors have caused severe damage to both my credit and my cosigners credit. My cosigner has historically maintained excellent credit in the high XXXX, and Sallie Maes reporting has unfairly harmed her profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-09-25 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-09-25 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am demanding the immediate removal of fraudulent information from my credit report pursuant to 15 USC 1681c-2. You are in violation of federal law by continuing to report this account despite my repeated disputes and the supporting evidence I have already provided. 
Enclosed is a copy of my Identity Theft Report issued by the Federal Trade Commission FTC Report Number XXXX. Under 15 USC 1681c-2, once a consumer submits an identity theft report, the credit reporting agency must block all disputed information identified as the result of identity theft within four 4 business days. You have failed to comply with this requirement. 
The fraudulent account that must be blocked immediately is : XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX This account is not mine. It is the result of identity theft. Other credit reporting agencies have already deleted it after failing to verify it. The furnisher has not provided a contract or any valid proof after more than 60 days, proving that this account can not be verified. Yet Transunion continues to report it, knowingly causing harm. 
Your refusal to block and remove this fraudulent account has caused me serious and ongoing financial and personal harm, including denial of credit opportunities and blocking my ability to purchase a home for my family. This is unacceptable and unlawful. 
I am demanding immediate removal of this account from my credit report. If this matter is not resolved without further delay, I will have no choice but to escalate this issue by filing additional complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state Attorney General for your failure to comply with 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 2025-09-25 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: TX

Complaint narrative:
Submitted police report, ID theft reports and all identifying info to credit burea Experian via certified mail. REQUESTED BLOCK OF IDENTY THEFT ACCOUNTS WHICH LAWS STATE SHOUKD BE DONE IN 4 DAYS. 

EXPERIAN DID NOT COMPLY I want monetary damages

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 2025-09-25 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Credit Report Dispute Inaccurate Reporting by XXXXXXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report. 

Creditor Name : XXXX Reported Balance : {$7600.00} Reported Date : XX/XX/year> This account is being inaccurately reported. XXXX has sold or transferred this debt to another entity. They no longer own the account and therefore should not be reporting a balance. Under the Fair Credit Reporting Act ( FCRA ), creditors must report accurate information. This account should be updated to reflect a {$0.00} balance and a status of Transferred/Sold/Closed, or it should be deleted entirely if the furnisher can not verify. 
I request that you investigate this matter and correct or remove the inaccurate information.

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 2025-09-25 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: FL

Complaint narrative:
Subject : Credit Report Dispute Inaccurate Reporting by XXXXXXXX Dear CFPB, I am writing to formally dispute inaccurate information on my credit report. 

Creditor Name : XXXX Reported Balance : {$7600.00} Reported Date : XX/XX/year> This account is being inaccurately reported. XXXX has sold or transferred this debt to another entity. They no longer own the account and therefore should not be reporting a balance. Under the Fair Credit Reporting Act ( FCRA ), creditors must report accurate information. This account should be updated to reflect a {$0.00} balance and a status of Transferred/Sold/Closed, or it should be deleted entirely if the furnisher can not verify. 
I request that you investigate this matter and correct or remove the inaccurate information.

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 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I have fell into hard times however i have two payments pending that would exceed what is owed they continue to call me. Two just this week. When i answered they told me they see two payments pending but i am risk of getting a car repossessed for lack of payment. The constant calls is harassment. As they even agreed over the phone they see my two payments.

Company response to consumer: Closed with explanation