vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I am submitting this complaint because all three credit bureaus ( Equifax, Experian, and TransUnion ) have failed to properly investigate, verify, or correct inaccurate information on my credit reports. I submitted formal dispute letters to each bureau on XX/XX/year>, listing inaccurate accounts, duplicate accounts, incorrect payment history, incorrect personal information, and unverified information. 

Despite these disputes, the bureaus have either failed to correct the errors or failed to provide proper validation as required under the Fair Credit Reporting Act ( FCRA ). 

These inaccurate items are harming my creditworthiness and causing me difficulty obtaining credit, including a mortgage. 

XXXX XXXX ( Account ending XXXX ) HESCARLNGTN ( Accounts ending XXXX and XXXX ) Texas XXXX XXXX ( Account ending XXXX ) These accounts were never late, yet the bureaus are reporting payment inaccuracies. 

XXXX ( multiple account numbers across all three bureaus ) These accounts appear twice on each bureau, which is inaccurate and damaging. 

XXXX ( multiple account number variations ) XXXX NC ( TransUnion & Experian ) I contacted the furnishers directly and requested validation. More than 30 days passed with no response, yet the bureaus continue reporting these accounts without verification. 

XXXX ( Account ending XXXX ) This account is inaccurately reported and appears to fall under FDCPA 807 as misleading or false.

CCBLNDINGCL ( Account ending 802 ) Medical/personal data should not be reported under FCRA 15 USC 1681a ( 2 ) ( b ), yet all bureaus are publishing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I am submitting this complaint because all three credit bureaus ( Equifax, Experian, and TransUnion ) have failed to properly investigate, verify, or correct inaccurate information on my credit reports. I submitted formal dispute letters to each bureau on XX/XX/year>, listing inaccurate accounts, duplicate accounts, incorrect payment history, incorrect personal information, and unverified information. 

Despite these disputes, the bureaus have either failed to correct the errors or failed to provide proper validation as required under the Fair Credit Reporting Act ( FCRA ). 

These inaccurate items are harming my creditworthiness and causing me difficulty obtaining credit, including a mortgage. 

XXXX XXXX ( Account ending XXXX ) HESCARLNGTN ( Accounts ending XXXX and XXXX ) Texas XXXX XXXX ( Account ending XXXX ) These accounts were never late, yet the bureaus are reporting payment inaccuracies. 

XXXX ( multiple account numbers across all three bureaus ) These accounts appear twice on each bureau, which is inaccurate and damaging. 

XXXX ( multiple account number variations ) XXXX NC ( TransUnion & Experian ) I contacted the furnishers directly and requested validation. More than 30 days passed with no response, yet the bureaus continue reporting these accounts without verification. 

XXXX ( Account ending XXXX ) This account is inaccurately reported and appears to fall under FDCPA 807 as misleading or false.

CCBLNDINGCL ( Account ending 802 ) Medical/personal data should not be reported under FCRA 15 USC 1681a ( 2 ) ( b ), yet all bureaus are publishing it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: NV

Complaint narrative:
On XX/XX/year>, I sent a debt validation request to AWA Collections, asking for information about an alleged debt, including the original creditor, an itemized breakdown of the amount, a signed contract, proof that the company is licensed to collect in my state, and documentation showing they have the legal right to collect or report the debt.

AWA Collections responded on XX/XX/year>, but their response was incomplete. They did not provide proof of licensing or documentation showing they have the legal right to collect or report the debt.

Because of this, I sent a follow-up letter informing them that the debt remains unvalidated, requesting that they cease all collection activity and delete any reporting to credit bureaus until they provide the missing documentation.

I am submitting this complaint because the company is continuing to attempt to collect a debt that has not been fully validated, which may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
XXXX XXXX has repeatedly failed to provide the legally required accounting after the disposal of my vehicle, which served as collateral for my auto loan. After I surrendered the vehicle due to non-repairable status and notified XXXX, the vehicle was left uncollected, later towed and auctioned following legal notice to XXXX. Despite their detailed correspondence, XXXX has not produced any documentation showing auction proceeds, expenses deducted, or how the deficiency balance was calculated, as required by Florida law. They continue to report an unverified charge-off balance to the credit bureaus without supporting statutory documentation, and have ignored three written requests for this informationin violation of both Florida Statute 679.616 and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC
State: CA

Complaint narrative:
Summary : A lender ( CrossCountry Mortgage, Loan XXXX : XXXX XXXX ) initiated an FHA case number and ordered an FHA XXXX on my property without authorization, without a valid FHA loan application, and without proper borrower identity or disclosures. This unauthorized appraisal is now interfering with my current real estate transaction. 
What happened : I was the seller in a transaction where the buyer ( XXXX XXXX ) was applying for a XXXX XXXX only. The signed contract did not authorize FHA financing. 
Despite this, XXXX Mortgage pulled FHA Case Number XXXX and ordered an FHA XXXX in XXXX without my knowledge, approval, or any XXXX documentation being signed. I was not informed that an FHA XXXX was being ordered, and I never signed any FHA disclosures or authorization. 
Borrower identity problems : The lender told me the buyer did not qualify alone and needed additional co-borrowers ( his daughters ). However, the FHA case number lists only XXXX XXXX, even though he could not qualify alone and even though the executed contract included his wife as a buyer. This does not meet FHA requirements for case assignment or borrower identity. 
Contract mismatch : HUD requires a valid purchase agreement signed by all actual borrowers. The FHA case number was assigned despite the borrower group on the case not matching the contract and despite the required borrowers not being included. 
Unauthorized appraisal : The FHA XXXX was completed even though there was no FHA application, no borrower authorization, and no FHA financing approved in the contract. 
Impact on my current transaction : I have a new FHA buyer at {$460000.00}, but their lender informed me that XXXX Mortgage stated the previous unauthorized {$450000.00} FHA XXXX must be used. This is incorrect and is interfering with my current sale. 
Lender has not responded : I requested documentation from XXXX Mortgage regarding : FHA application Disclosures Borrower authorization Appraisal order Case number assignment I have received no response. 
What I believe is wrong : Unauthorized initiation of an FHA case number Unauthorized FHA appraisal Borrower identity misrepresentation Failure to follow HUD XXXX rules Failure to provide required disclosures Interference with a current real estate transaction Lack of lender response to reasonable consumer inquiries What I want : I would like the CFPB to review the lenders conduct and require : XXXX. A written response and explanation. 
XXXX. Documentation supporting the FHA case number and appraisal. 
3. Disclosure of how and why an FHA appraisal was ordered on a Conventional-only contract. 
XXXX. Correction of the FHA case/appraisal if it was improperly ordered. 
I can provide documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently tried to get a House loan so the loan officer checked my credit score and someone opened a credit card with Citibank with my social security number back in 2023, with a XXXX XXXX  and they took around XXXX XXXX out before the credit card company closed the account 2 months later. Im trying to take it off my account because it is not mine and it is hurting my credit when Im trying to get a house loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: AL

Complaint narrative:
I demand that this company delete these accounts on my credit report or I will have no choice but to move forward to my litigation attorney.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: MS

Complaint narrative:
Two accounts that are entirely unfamiliar to me are appearing on my credit report under my name. I did not authorize, open, or manage either account, and their inclusion falsely portrays my credit history. This situation is unacceptable and has caused serious concern about how these accounts were reported in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Orions Management Group, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX and I am filing a formal complaint against Orions Management Group , LLC for a systematic and predatory pattern of debt collection fraud, violating the Fair Debt Collection Practices Act ( FDCPA ). The documented timeline of their actions proves a calculated " bait-and-switch '' scheme designed to intimidate and deceive. 

The documented chronology is as follows : XX/XX/XXXX : Orions Management Group initiates collection, stating the debt is {$1300.00}. 
XX/XX/XXXX : I send a formal debt validation request via Certified Mail. 
XX/XX/XXXX : Orions responds, providing documentation that validates the " Total amount of the debt now '' as {$1300.00}. In this same letter, they illegally condition my future dispute rights by demanding a notarized affidavit and police report. 
XXXX XXXX XXXX : Their Collections Supervisor, XXXX XXXX , engages in email settlement negotiations, offering to resolve this validated {$1300.00} debt for {$960.00}. 
XX/XX/XXXX : After I request a payment extension, Orions abandons the validated amount and issues a " Final Notice '' demanding {$2900.00}, claiming the {$1500.00} difference is for " court costs, service fees and filing fees. '' This demand is proven fraudulent by three independent, factual proofs : 1. Proof of Contradiction ( Their Legal Claim ) : The Small Claims Court form ( SC-100 ) they themselves enclosed with the XX/XX/XXXX " Final Notice '' swears under penalty of perjury that the amount owed is {$1300.00}.

2. Proof of Mathematical Impossibility ( The Original Contract ) : The original loan agreement and Truth-in-Lending disclosures from XXXX, XXXX ( Loan # XXXX, dated XX/XX/XXXX ) prove the absolute maximum financial obligation, including all interest, was {$1400.00}.

3. Proof of Bad Faith ( The Settlement Negotiations ) : The email chain with XXXX XXXX from XXXX XXXX proves they were actively negotiating a settlement based on the {$1300.00} figure just days before fabricating the {$2900.00} demand.

Legal Violations Summary : This is not a simple error. This is a pattern of willful violations : FDCPA 15 U.S.C. 1692e : False representation of the character and amount of a debt.

FDCPA 15 U.S.C. 1692f : Unfair and unconscionable means to collect an amount not permitted by law or agreement.

FDCPA 15 U.S.C. 1692g : Engaging in collection activity that overshadows and violates dispute rights by imposing illegal conditions.

I demand an immediate investigation into Orions Management Group , LLC, the permanent cessation of all collection activities on this account, and that this collector be held fully accountable for their predatory and deceptive practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This credit inquiry was made without my consent, and I have no record of having spoken with the lender on that particular date. Therefore, I kindly ask that you promptly delete this unauthorized inquiry from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A fraudulent auto loan was opened in my name with XXXX XXXX XXXX. My brother forged my signature and obtained the vehicle without my permission. I did not sign any contract, did not take possession of the vehicle, did not make any payments, and did not authorize the purchase. Ive submitted my ftc form affidavit along with my police report and Im still getting denied for the removal off my credit ASAP. My police report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage servicer, Mr. Cooper ( Nationstar Mortgage LLC ), is reporting a late payment from XX/XX/year> on my mortgage loan ( Loan # : XXXX ). I contacted them requesting a goodwill adjustment due to documented hardship ( disability and divorce transition ) and because my ex-spouse, who now lives in the property, was responsible for making the payment during that period.

A representative from Mr. Cooper called me in response and told me that they legally can not change or remove a late payment and that they are legally required to report the late payment to the credit bureaus. When I asked which law requires this, the representative stated it was the Truth in Lending Act ( TILA ). This is incorrect and misleading.

TILA governs loan disclosures, not credit reporting. The law governing credit reporting is the Fair Credit Reporting Act ( FCRA ). Under FCRA 623, furnishers may report information but are not required to report anything. The only requirement is that information a furnisher chooses to report must be accurate at the time it is furnished. FCRA 623 ( b ) ( 1 ) ( E ) specifically authorizes furnishers to modify, delete, or permanently block information they have previously reported.

Therefore, goodwill adjustments, suppressions, and discretionary corrections are fully permissible under federal law. Mr. Coopers explanation that they are legally prohibited from making adjustments is factually incorrect.

This late occurred during a documented hardship period, during a divorce transition where payment responsibility shifted, and I corrected the account immediately once aware of the issue. My payment history before and after this incident has been perfect. Because even a single mortgage late causes severe long-term damage to consumer credit, I am requesting that Mr. Cooper make a goodwill correction, suppression, or recoding of the XX/XX/year> late payment.

I ask for CFPB assistance because the servicer provided incorrect legal information and refused reconsideration. I am requesting a review by Mr. Coopers compliance team to correct, suppress, or remove the XX/XX/year> late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
This is not my account, and it appears on my credit report in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: WI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
XXXX XXXX had two credit card files for me, one personal and the other a business credit card. 
I sued XXXX for issues related to both cards. The lawsuit ended in a settlement in which XXXX agreed to remove the information from my credit report. Recently, XXXX XXXX has added the business credit card to my credit report, causing my credit score to drop

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: Credit Sage LLC
State: NV

Complaint narrative:
I owe a debt on my on my credit report. I called the collection agency crown asset management. I was thinking I was talking to crown asset management as we negotiated the settlement offer for {$270.00}. Later to come to discover that I was dealing with a company called credits that was selling me on a membership for {$270.00} to do credit repair. I just simply wanted to pay off a credit card that was less than {$500.00} and have it deleted from my account somehow XXXX this credit intercepted the call for crown asset management. And took my money to buy a membership into their company for credit repair services that I did not request their authorize with the subscription of {$24.00} a month. This is a fraud and a scam. I did not need any of the thing on my credit report as I was paying off any debt, they were old on my credit report. Now it appears that this company is claim that they have filed a dispute on my behalf. They even filed Dispute on my behalf on credit accounts that have been paid in full and are in good standing. The companys name is credit says this is a fraud and a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am following up on my previous complaint and dispute submission regarding inaccuracies on my credit report. Despite submitting my initial complaint and request for a reinvestigation under the Fair Credit Reporting Act ( FCRA ), I have not yet received an update or resolution. The accounts in question XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1400.00} XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} XXXX XXXX continue to appear inaccurately on my credit report. I previously identified these entries as incomplete or misleading, and their continued presence is having a negative impact on my creditworthiness and financial standing. As stipulated by the FCRA 1681e ( b ) and 1681i, I am entitled to a thorough reinvestigation of any disputed information, and I have not received confirmation that this process was completed.

Company response to consumer: Closed with non-monetary relief