vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX * * * * Balance : {$3100.00} XXXX XXXX * * * * Balance : {$4300.00} XXXX OWNERSHIP XXXX Balance : {$38000.00}

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 explanation
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my accounts ending in XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. that are inaccurate and not properly verified from my Transunion report. I have disputed this directly with the credit bureaus and the furniture, but the late payments remain without proper validation or documentation. Under 15 U.S.C 1681 S2a, a furnitures must report accurate information under this law. The credit bureau must perform a reasonable investigation within 30 days. Neither of them has provided sufficient evidence to support negative 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 non-monetary relief
Consumer complaint received 2025-04-29 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:
XXXX XXXX XXXX XXXX Account # : XXXX * * * * This account is reporting a charge-off with a {$1500.00} balance and profit and loss write-off remarks yet the worst status shows 6089 days late, not XXXX or charge-off level, which is inconsistent and misleading under FCRA 1681e ( b ) ( maximum accuracy ). 
It also reflects 0 % on-time payments, but payment history stops at XX/XX/XXXX. How is this account considered open until XX/XX/XXXX with no payments in years? 
The " dispute resolved reported by grantor '' comment was added without resolution or proper reinvestigation, which is a violation of 1681i and 1681s-2 ( b ). Demand : Remove this tradeline unless it can be fully verified with contract, accounting, payment breakdowns, and charge-off documentation. 

XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) Account # XXXX Balance : {$130.00} Account # XXXX Balance : {$160.00} Account # XXXX Balance : {$150.00} All three accounts are duplicate in nature, originate from the same original creditor ( XXXX XXXX  ), and were reported on different dates for similar amounts. 
These appear to be a clear violation of FCRA 1681e ( b ) due to duplicative and inaccurate reporting. 
They all reflect account information disputed by consumer and placed for collection without substantiating documents or communication from the original creditor. 
I have never received full validation from either the original creditor or XXXX XXXX XXXX under FDCPA 809 ( b ) or FCRA 623 ( b ) obligations. Demand : Remove all three collection tradelines unless each is individually validated with signed original contracts, breakdown of debt, proof of ownership, and itemized records.

Legal Grounds for Dispute : FCRA 1681e ( b ) : Inaccurate or inconsistent data FCRA 1681i ( a ) : Reinvestigation required within 30 days FCRA 1681s-2 ( b ) : Furnisher duty to investigate and correct errors FDCPA 809 ( b ) : Consumer has right to request validation of debt FCRA 1681i ( a ) ( 5 ) ( A ) : Unverified items must be deleted

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 2025-04-29 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:
I am a victim of identity theft. Someone used my personal information to open up a credit card and some imquiries were made. Ive never gave anyone permission or authorization to use my personal 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 non-monetary relief
Consumer complaint received 2025-04-29 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: Spring Oaks Capital, LLC
State: MN

Complaint narrative:
I recently became aware of an account opened in my name without my knowledge or authorization and I am trying to fix this on my credit report. 

I contacted the company to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. 

I request that this matter be investigated thoroughly and they have told the bureaus that they have done that but has not provided me with any info to show that these accounts actually belong to me. The address and info they have does not match my true information. 

I would like these accounts removed from my credit report as they can not provide me the original documents on how these accounts were opened and what was used to obtain these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEMENT account # XXXX I was a victim of identity theft. I have a police report and it is reported. Also I was never aware of this debt and never had the opportunity to dispute it until it appeared on my credit report. If you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. Please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OSG Group Holdings, Inc.
State: FL

Complaint narrative:
on XXXX, I disputed this in the accurate account and requested validation of this collection account, and it has been more than 60 days with no validation information provided, and it is hurting my credit report. account # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUHOME SOLUTIONS, LLC
State: SC

Complaint narrative:
XXXX  XX/XX/XXXX I spoke to Truhomme Solutions. I made a mortgage payment on XX/XX/XXXX for XXXX. This was the may payment but they do not apply it towards the payment. Instead they always put your payments towards principal. So if you forget to call them you and tell them to apply it towards principal you go into default. I ve spoken to them 5 times before about this practice. 
Secondly, my monthly payments have been changed every month. It went from XXXX to XXXX to XXXX dollars per month even though I pay on time. Truhomme says it is an escrow account. I ve been working abroad so I havent had a chance to get insurance but I would like to get my own insurance. Truhomme states that I owe XXXX dollars for last XXXX months of insurance. That would equal about XXXX dollars a year for insurance alone? That is exorbitant. I was never presented with the insurance information that covers my house. They told me the insurance is under the name XXXX XXXX which is a subsidiary of truhomme solutions. It s impossible to access their website while outside of the country. Finally, when you call its difficult to get a person on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: AZ

Complaint narrative:
I am requesting a full deletion of a negative account from XXXX XXXX XXXX which is inaccurately reporting on my Experian credit file. 
I attempted to dispute this account through Experians online dispute system, but the system blocked my dispute with the following message : Unable to process dispute : trade all balance history soft deleted. 

This account is still visible on my credit report and actively harming my credit score. I believe this violates the Fair Credit Reporting Act ( FCRA ), which requires all reported information to be accurate, complete, and verifiable. 

I am requesting that Experian either ( 1 ) verify and correct all balance and account details under Metro 2 compliance standards or ( 2 ) fully delete the tradeline from my report if verification can not be completed. 

Attached is a screenshot of Experians system rejecting my attempt to dispute the account

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am writing regarding an account XXXX listed under the name LVNV Funding LLC that appears on my credit report. I do not recall any such debt and have no record of receiving proper notification of this account. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide a copy of the original signed contract or agreement, detailed documentation of the full payment history and current amount owed, and a certified mail receipt showing that notice of this debt was delivered to me, including my signature as proof of receipt. If you are unable to provide the requested documentation within the timeframe allowed by law, I request that this account be deleted from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MN

Complaint narrative:
I am a victim of identity misuse, unauthorized credit reporting, and post-payment financial data fraud by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Despite full remittance of all outstanding balances and formal assignment of the accounts into a constructive trust ( XXXX XXXX XXXX recorded via public filings, these furnishers continued to report false charge-offs, inflated balances, and delinquency statuses. They obstructed lawful disputes, refused to update tradelines after public record reassignment, and monetized trust-assigned receivables without consent through internal securitizations. These acts violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), the Truth in Lending Act ( 12 C.F.R. 1026.13 ), FTC Furnisher Rules ( 16 C.F.R. 660.4 ), SEC Rule 10b-5, and constructive trust law ( IRS Manual 5.17.2.8.4 ).

This is not the first complaint. Previous complaints and disputes, supported by legal authority, public filings, and admissible documentary evidence, have been lodged with CFPB and the furnishers directly. Despite constructive notice and evidentiary attachments admissible under federal law and Minnesota rules of evidence, these entities have willfully and knowingly disregarded their legal obligations. 

This complaint serves as further constructive notice that I am reserving my standing and claims for civil action in the U.S. District Court for the District of Minnesota for actual, statutory, and punitive damages resulting from willful noncompliance, fraud, securities violations, and reckless disregard of consumer protection statutes.

Immediate deletion of all fraudulent tradelines, CFPB enforcement penalties, and full regulatory referral to the DOJ, SEC, and IRS are demanded to prevent further injury and financial harm.

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 2025-04-29 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: MN

Complaint narrative:
I am a victim of identity misuse, unauthorized credit reporting, and post-payment financial data fraud by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Despite full remittance of all outstanding balances and formal assignment of the accounts into a constructive trust ( XXXX XXXX XXXX recorded via public filings, these furnishers continued to report false charge-offs, inflated balances, and delinquency statuses. They obstructed lawful disputes, refused to update tradelines after public record reassignment, and monetized trust-assigned receivables without consent through internal securitizations. These acts violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), the Truth in Lending Act ( 12 C.F.R. 1026.13 ), FTC Furnisher Rules ( 16 C.F.R. 660.4 ), SEC Rule 10b-5, and constructive trust law ( IRS Manual 5.17.2.8.4 ).

This is not the first complaint. Previous complaints and disputes, supported by legal authority, public filings, and admissible documentary evidence, have been lodged with CFPB and the furnishers directly. Despite constructive notice and evidentiary attachments admissible under federal law and Minnesota rules of evidence, these entities have willfully and knowingly disregarded their legal obligations. 

This complaint serves as further constructive notice that I am reserving my standing and claims for civil action in the U.S. District Court for the District of Minnesota for actual, statutory, and punitive damages resulting from willful noncompliance, fraud, securities violations, and reckless disregard of consumer protection statutes.

Immediate deletion of all fraudulent tradelines, CFPB enforcement penalties, and full regulatory referral to the DOJ, SEC, and IRS are demanded to prevent further injury and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: MO

Complaint narrative:
Checkr background check company has my report as pending for an estimated XXXX. I asked what the hold up was and they wouldnt provide me any information. Then I reached out to the company that is hiring me contingent on the background check and they looked at it from there end and sent me what was holding it up as pending. Its 3 DMV tickets in Kansas, XXXX from XXXX, and XXXX from XXXX. They have these as areas of concern. These are from XXXX plus years ago and the one from XXXX is almost XXXX ago. This is a blatant violation of the FCRA. The state of kansas only allows reporting for up to XXXX back. Im very upset by this violation to my rights and especially my privacy. Not to mention this could hinder me from getting a job. Its also humiliating for an employer to be able to see things I did as a young adult that has zero barring on who I am today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint regarding multiple inaccuracies on my credit report as provided by Experian, Transunion and Equifax. The information listed on my credit report is incorrect, and I believe that these errors are causing harm to my credit profile. I am requesting your assistance in investigating these inaccuracies and ensuring that my credit report reflects accurate and verified information. Account Inaccuracies : XXXX. XXXX XXXX XXXX Account- XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the accounts are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15.U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 'S recent administrative proceeding ( file XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

ACCOUNTS TO BE REMOVED XXXX XXXX- credit card {$670.00} XXXX credit card {$970.00} XXXX XXXX XXXX- $ XXXX XX/XX/year> XXXX XXXX XXXX $ XXXX XXXX XXXX  credit card {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: Mr. Cooper Group Inc.
State: MS

Complaint narrative:
To Whom It May Concern, I am writing regarding the fraudulent tradeline reported under my name by NATIONSTAR MORTGAGE, which falsely indicated that I was Not more than XXXX payments past due ( XXXX ) on an account I never had. This item was disputed pursuant to my rights under the FCRA ( 15 U.S.C. 1681i ) and XXXX XXXX Compliance standards. 

I acknowledge that this false tradeline was removed from my Equifax report within XXXX ( XXXX ) days, which I take as an admission that the information was inaccurate, unverifiable, or misattributed to me. 

However, because this tradeline damaged my credit and was completely unauthorized : I now formally request written confirmation from Equifax that the account has been permanently deleted and will not reappear in any future updates. 
I also expect Nationstar Mortgage to confirm that no such account exists under my name or Social Security number, and that no future reporting will occur. 
If either party fails to provide this confirmation, I will proceed to file a formal complaint with the FTC and CFPB to preserve my consumer protection rights under FCRA 1681n and 1681o.

This matter is not closed until I receive the required written confirmation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation