vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: NJ

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXXXXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-23 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: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I have disputed this account more than XXXX times and it has took over 30 days each time even after I gave the law under section 15 US code 1681 C2 two block and remove information from your result of the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
My information was stolen in the 2017 Equifax data breach

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 2025-07-23 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Fair Collections & Outsourcing ( XXXX  ) is reporting two collection accounts XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX for {$6800.00} ) and XXXX  ( Acct # XXXX for {$2000.00} ) to the credit bureaus without providing any of the documentation required under the FDCPA ( 15 U.S.C. 1692g ( b ) ) and the FCRA ( 15 U.S.C. 1681 et seq. ).

I have never received a copy of the original lease agreement, a payment ledger, a final account statement, move-out documentation, or any written proof I owed these debts. I submitted a dispute, and XXXX  responded with irrelevant requests unrelated to the nature of my complaint. These tactics appear intended to avoid providing actual proof of the debt. This conduct violates 15 U.S.C. 1692e ( 2 ) ( A ), 1692g ( b ), and FCRA 623 ( a ) ( 1 ) ( A ), and is part of a pattern of deceptive practices
consistent with the allegations in Thomas v. XXXX  and similar FDCPA actions.

Additionally, XXXX  has reported this debt in apparent violation of Metro 2 data furnishing standards, as required by their agreements with the CRAs. The tradeline lacks clear date-of-first-delinquency ( DOFD ), accurate open dates, and substantiating fields. The account is being furnished as a verified debt without meeting any legal criteria for accurate reporting or lawful collection.

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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: VA

Complaint narrative:
I reported 12 unauthorized transactions totaling {$2400.00} on my Chime account. Around the time of the transactions, my wallet and phone were stolen. I lost access to my device temporarily and believe the thief was able to unlock my phone and gain access to my Chime app using saved credentials.

I later recovered the phone, but this does not change the fact that the disputed transactions happened while the device was out of my possession and without my knowledge or consent.

I submitted a formal dispute through Chime, clearly identifying the unauthorized charges. Chime responded with a denial but failed to provide any details or evidence of how the investigation was conducted or how they determined I authorized the charges.

Under Regulation E of the Electronic Fund Transfer Act, a consumer is not liable for unauthorized electronic fund transfers if they occurred without consent and were reported in a timely manner. The burden is on Chime to prove authorization, which they have not done. I am requesting that CFPB review this matter, as I believe Chime did not follow proper dispute resolution procedures and denied my claim without basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
I am submitting this complaint because my credit reports with Equifax, Experian, and TransUnion contain multiple inaccurate, obsolete, and unverified accounts that I have disputed numerous times without resolution. These items are severely damaging my credit and violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

1. Inaccurate Personal Information My credit reports list incorrect aliases such as XXXX XXXX XXXX and XXXX XXXX XXXX. 

Several outdated and incorrect addresses appear that I have never lived at or have not resided at in many years, including : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX, NJ DOB is reported as only XXXX, and multiple inaccurate employers are listed. 

Violation : FCRA 1681e ( b ) failure to ensure accuracy of identifying data.

2. Inaccurate and Unverified Accounts I have disputed the following accounts and requested verification or deletion, but they continue to be reported across multiple credit bureaus : XXXXXXXX XXXX Account # : XXXX / XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( via XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX These accounts are either obsolete, inaccurately reported, or unverifiable. I never received notices from any of these debt collectors, nor have I received proper debt validation. 

Violations : FCRA 1681i failure to reinvestigate and correct disputed info FDCPA 1692g failure to validate debts upon written request FCRA 1681b no permissible purpose for reporting 3. Unauthorized Credit Inquiries I did not authorize the following hard pulls, and they were made without my written consent : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) TransUnion : XXXX XXXX ( XX/XX/XXXX ) Violation : FCRA 1681b inquiries require a permissible purpose and my authorization. 

Despite submitting formal dispute letters dated XX/XX/XXXX, with supporting documentation, the bureaus have failed to properly investigate and correct the records as required under federal law. This has resulted in ongoing damage to my creditworthiness 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 2025-07-23 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: PA

Complaint narrative:
I am submitting this complaint because my credit reports with Equifax, Experian, and TransUnion contain multiple inaccurate, obsolete, and unverified accounts that I have disputed numerous times without resolution. These items are severely damaging my credit and violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

1. Inaccurate Personal Information My credit reports list incorrect aliases such as XXXX XXXX XXXX and XXXX XXXX XXXX. 

Several outdated and incorrect addresses appear that I have never lived at or have not resided at in many years, including : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX, XXXX, NJ DOB is reported as only XXXX, and multiple inaccurate employers are listed. 

Violation : FCRA 1681e ( b ) failure to ensure accuracy of identifying data.

2. Inaccurate and Unverified Accounts I have disputed the following accounts and requested verification or deletion, but they continue to be reported across multiple credit bureaus : XXXXXXXX XXXX Account # : XXXX / XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( via XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX These accounts are either obsolete, inaccurately reported, or unverifiable. I never received notices from any of these debt collectors, nor have I received proper debt validation. 

Violations : FCRA 1681i failure to reinvestigate and correct disputed info FDCPA 1692g failure to validate debts upon written request FCRA 1681b no permissible purpose for reporting 3. Unauthorized Credit Inquiries I did not authorize the following hard pulls, and they were made without my written consent : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) TransUnion : XXXX XXXX ( XX/XX/XXXX ) Violation : FCRA 1681b inquiries require a permissible purpose and my authorization. 

Despite submitting formal dispute letters dated XX/XX/XXXX, with supporting documentation, the bureaus have failed to properly investigate and correct the records as required under federal law. This has resulted in ongoing damage to my creditworthiness and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Central Research Inc
State: IL

Complaint narrative:
My Student loans where recently transferred from XXXX to a different lender called CENTRAL RESEARCH INC/D based out of Arkansas it says. I was never properly notified of the switch and they had incorrect information. I found out a payment was needed to be paid by a drop in my credit score. I have never had a late payment. They failed to notify me of the transfer from XXXX to their service for loan repayment and they purposely charged heavy interest and made incorrect statements to my credit score my last payment was in XXXX and they are telling me I am over due by 90 days that is impossible as the last payment was due XX/XX/XXXX it is now XX/XX/XXXX. 
If you go to XXXX reviews and look online doing research you can clearly see that many people are experiencing the same issue. This company is artificially damaging people credit score and lying about debt sue dates and not correctly notifying barrows in a timely correct manner. CENTRAL RESEARCH INC must be investigated by the XXXX FTC and Debt consumer protection team as they are using harmful and questionable debt collector tactics that are aggressive and do not follow due notice and only shows ill intent to maximize profits at the expense of the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MS

Complaint narrative:
Upon reviewing my recent credit report, I identified multiple inaccuracies and accounts or information that appear to have been reported without my authorization. These entries have had a significantly negative impact on both my personal life and overall credit health.

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 2025-07-23 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: TX

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 explanation
Consumer complaint received 2025-07-23 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: TX

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 2025-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: NY

Complaint narrative:
Of course. This is the correct next step. The response you received from MOHELA is a formal denial based on a rigid policy, which is exactly the type of issue the CFPB is designed to address. 

Here is a draft for your CFPB complaint. It is written to be clear, factual, and professional, giving the regulator the precise information they need to act. 

Draft for Your CFPB Complaint What happened? 

I have a private student loan serviced by MOHELA on behalf of XXXX. I was laid off from my job at the end of XX/XX/XXXX and my current income is XXXX. My next full payment of over {$600.00} is due on XX/XX/XXXX. 

On XX/XX/XXXX, I called MOHELA to request a standard unemployment forbearance, which is a common form of assistance for borrowers who have lost their jobs. The agent and a subsequent supervisor both denied my request. They stated that I was subject to a " XXXX cool-off period '' from a previous hardship plan I used in late XXXX. 

I explained that my previous assistance was for a reduced payment plan while I was still employed. My current situation is a total job loss, which is a fundamentally different and more severe hardship. The supervisor stated that no exceptions could be made and that the only option available to me was a permanent loan modification. This modification was unsuitable as it required continued payments I can not afford and would have forced me to forfeit my right to any future hardship assistance. 

Following the call, I sent a formal request for reconsideration via their secure message system. MOHELA responded in writing on XX/XX/XXXX, formally denying my request and reiterating their " XXXX cool-off period '' policy. Their refusal to provide a standard unemployment forbearance for a verifiable job loss is an unfair practice that will force my account into delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally dispute the collection account ( XXXX ) listed under my name and to notify you that my personally identifiable information ( PII ) was used without my knowledge or authorization. I did not open, authorize, or agree to any debt with your collection company, nor with the original creditor you represent. 

I have reason to believe that my personal information was obtained through a data breach and used fraudulently to open or associate this account in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B [ 15 U.S.C. 1681c-2 ], I am exercising my right to request that any fraudulent information resulting from identity theft be blocked and removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I had a verbal agreement with the landlord that if I was moved out by the court date, they would not hold the eviction against me. They would let the judge know that we had a verbal agreement and they wouldn't pursue charges. Or the eviction I have disputed it multiple times and it keeps going up. They just dropped the collection and then picked it back up again. I don't know anywhere near that amount. What the judgment was for was {$600.00} {$670.00}. They're trying to charge me over {$3000.00}. I refuse to keep having my credit ruined by this and they have non. Stop blowing me disputes all say it is unknown what the results were.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-23 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

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