vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the accuracy and validity of certain items listed on my credit report, which I believe to be incorrect. Below are the details of the accounts in question, separated by each credit bureau Experian I respectfully request that you investigate these accounts in accordance with the Fair Credit Reporting Act ( FCRA ) and take the necessary actions to rectify any errors. 

Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Account Opened : XXXX Balance : {$860.00} Dispute : This account has been reported inaccurately. I request verification and appropriate adjustments to reflect the correct status. 

XXXX XXXX XXXX Account Number : XXXX Account Opened : XXXX Balance : {$4300.00} Dispute : Please verify the accuracy of this charged-off account. I believe there are discrepancies in the reported balance and account status. 

XXXX XXXXXXXX Account Number : XXXX  Account Opened : XXXX Balance : {$0.00} Dispute : This account shows a balance of {$0.00} but was reported as charged off. Please investigate for any errors. 

XXXX  XXXX Account Number : XXXX Account Opened : XXXX Balance : {$0.00} Dispute : Please confirm whether this account was closed properly and that no further actions are necessary. 

XXXX  XXXX Account Number : XXXX Account Opened : XXXX Balance : {$0.00} Dispute : As with the other Affirm accounts, this entry should be reviewed for any reporting errors. 

Inquiries : 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 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 explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with XXXX U.S.C. XXXX, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
I was contacted by XXXX XXXX. I explained to him I was self employed but did not have 2 years of tax returns because new business. He said I could use bank statements. I provided multiple accounts statements and they kept asking for more information which I provided. Then said they could not approve me. It has affected my credit score. They mislead me to believe that my bank statements showing income would me enough to get approved along with my great credit score. Now my credit negatively Reflects a hard inquiry that I would not have done if they said we can use your statements but will ask for more info to approve the application

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: DE

Complaint narrative:
XXXX am a consumer whose credit file continues to contain inaccurate and unverifiable negative information even after the XXXX  v. TransUnion settlement.XXXX and XXXX  have already deleted these same items as unverifiable, yet TransUnion continues to report them. I mailed a certified dispute and deletion request (tracking # XXXX XXXX XXXX XXXX XXXX XXXX) on XXXX, which TransUnion will receive by XXXX. I also opened an online dispute the same day.\n\nThese inaccuracies have caused repeated rental denials, job rejection, and emotional distress. XXXX  actions appear to violate the Fair Credit Reporting Act, including 15 U.S.C.  1681e(b), 1681i, and 1681c-2, which require maximum possible accuracy, a reasonable reinvestigation, and prompt blocking of information identified as fraudulent.\n\nI am requesting that the CFPB ensure XXXX Completes a full reinvestigation within XXXX  days of receipt of my certified dispute,\n Permanently deletes all remaining inaccurate or unverifiable accounts, and\n Provides written confirmation of correction.'

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 2025-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: PA

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX, mo XXXX XXXX 

XXXX MOHELA reporting student loan during forgiveness review ( appl. submitted XXXX  ) Company : MOHELA Product : Student loans Complaint : MOHELA is reporting my loan to credit bureaus in a way that harms my credit even though I submitted a forgiveness application on [ XX/XX/year> ] and the account is under review. I have paid part of the loan and provided documentation to MOHELA. I request CFPB assistance to compel MOHELA to correct its reporting and to ensure the credit bureaus remove or mark as in dispute the negative entry while the forgiveness review is pending.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX DOB : XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ), Account Ending in XXXX. The complaint is for XXXX XXXX, XXXX XXXX XXXX XXXX, located in XXXX, SC XXXX, regarding an alleged debt associated with Account # ending in XXXX. I am submitting this formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 3-501 and 3-505, to demand full validation of the debt referenced above.I dispute this debt in its entirety and request the following documentation within 30 days : 1. Proof of Ownership & Assignment : A certified copy of the original signed credit agreement bearing my signature and all applicable terms.

2. Chain of Title : Complete documentation showing the lawful transfer of rights from the original creditor ( XXXX XXXX, XXXX. ) to XXXX XXXX XXXX, including all intervening assignments and evidence of consideration paid.

3. Accounting Statement : A full itemized statement of the alleged debt from inception to present, detailing how the balance was calculated. 
4. Verification of UCC Compliance : Proof that the alleged obligation satisfies requirements of a negotiable instrument under UCC Article 3, including endorsement, presentment, and the lawful right to enforce. 
5. FCRA Compliance : If this account has been reported to any consumer reporting agency, provide the method of verification and the date accuracy was confirmed with the original creditor.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your company. 

I have never been notified of this collection action or that I owed debt. 

This letter is to inform you that I have the right to inform you that I have the right to request a valuation of this debt and your ability to collect money from me. I asked that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Action token XX/XX/2025 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XX/XX/2025 I received XXXX missed calls in a row at XXXX from a number which I called and I didn't hear the name she said she asked if she could help you said yes I missed XXXXphone calls I was in shower she asked if I was calling from the number I say yes. She looked me up which took her about XXXX minutes and she came back on the line and she said or that account 's been closed and they said is this a bill correction and she said yes and I said what are you doing calling me before XXXXXXXX XXXX. you know it's illegal right? And she said ma'am it was me that called you. I transfer you the number that did and fine okay so if you chance if she goes to transfer me. I'm on the phone again for another long period and she comes back and says I'm sorry. I don't have the number that called and I was like okay and she said I'll mark the account not to be called again. Well if my account was close why were they calling me? I mean I just didn't understand it. I didn't appreciate it. I was in the shower when they called and XXXX times in a row. I mean XXXX XXXX XXXX isn't the first time the company was called? Someone from the company has called me and when I call back tell me they don't have an account for me so her noting the account means nothing to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
I am filing this complaint because both Experian and TransUnion have repeatedly refused to investigate my disputes regarding the XXXX XXXX Bank XXXX XXXX account, and their actions have directly harmed me. I have an open active account that I have always paid on time, yet both bureaus began reporting a XXXX  day late payment for XXXX and XX/XX/year> even though no proof of any missed payment exists. I have never received a billing statement showing a due date that I supposedly missed and neither the credit bureaus nor the furnisher have provided a verified payment record to support the late mark. 

I personally submitted my disputes. Despite this, both Experian and TransUnion rejected them by claiming the disputes did not appear to be submitted by me. The CFPB even closed previous complaints under my name for the same reason. These decisions effectively blocked my right to a lawful reinvestigation under FCRA section 611. My identifying documents were included and the page XXXX image in my file shows my drivers license and Social Security card clearly attached for verification. Both bureaus had full verification that I was the one submitting the dispute page XXXX filecite XXXX. 

The credit bureaus ignored clear data conflicts in their own reporting. For example the tradeline tables in my reports show the account listed as Open and paid as agreed but the payment status fields from both Experian and TransUnion reflect Late XXXX  Days which is a direct contradiction of XXXX standards pages XXXX and XXXX filecite XXXX. An account can not be coded as Open Current and Late at the same time. This is inaccurate misleading and a direct violation of FCRA section 1681e b which requires maximum possible accuracy. 

The XXXX bureau comparison charts on page XXXX also show inconsistent account numbers balances dates opened dates last active payment amounts and past due fields filecite XXXX. These irregularities demonstrate that none of the bureaus reviewed the information for accuracy as required under section 1681i. They simply stalled my disputes and refused to investigate even though the errors were obvious. 

As a result of these failures I have experienced emotional distress embarrassment and financial harm. I was denied credit and quoted higher interest rates because the bureaus continued reporting an unverified late payment they refused to investigate. Their stall tactics including the repeated claim that my disputes might not be authorized show willful noncompliance. The fact that multiple complaints were closed without any reinvestigation shows that my rights were ignored.

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 2025-11-13 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: CO

Complaint narrative:
This is my second formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the consumer reporting agencies Experian, Equifax, and TransUnion for repeated, materially false, and unverifiable credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

The XXXX tradeline has been reported under different names ( XXXX XXXX XXXX and XXXX XXXX XXXX ) and contains numerous factual and legal errors : Account shows closed XX/XX/XXXX, yet reports activity through XX/XX/XXXX. 

Current balance {$18000.00} exceeds the highest balance {$16000.00}, which is mathematically and legally impossible. 

Account status is inconsistently reported as Profit and Loss Write-off and In Collections/Charge-off. 

False and duplicate Account information disputed by consumer notations persist. 

No documentation or verification has ever been provided to support these entries. 


Despite my first dispute, no reasonable reinvestigation occurred. These entities are continuing to report inaccurate, misleading, and unverifiable information in violation of : 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy 15 U.S.C. 1681i failure to reasonably reinvestigate disputed information 15 U.S.C. 1681s-2 ( a ) & ( b ) furnishing and failing to correct inaccurate data 15 U.S.C. 1681n & 1681o civil liability for willful or negligent noncompliance These inaccuracies are damaging my creditworthiness and have caused harm. I am requesting a full CFPB investigation into XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all consumer reporting agencies publishing this information. 

I have attached copies of my credit reports, dispute letters, and screenshots of the tradeline showing these inconsistencies.

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 2025-11-13 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: CO

Complaint narrative:
This is my second formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the consumer reporting agencies XXXX, XXXX, and TransUnion for repeated, materially false, and unverifiable credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

The XXXX tradeline has been reported under different names ( XXXX XXXX XXXX and XXXX XXXX XXXX ) and contains numerous factual and legal errors : Account shows closed XX/XX/XXXX, yet reports activity through XX/XX/XXXX. 

Current balance {$18000.00} exceeds the highest balance {$16000.00}, which is mathematically and legally impossible. 

Account status is inconsistently reported as Profit and Loss Write-off and In Collections/Charge-off. 

False and duplicate Account information disputed by consumer notations persist. 

No documentation or verification has ever been provided to support these entries. 


Despite my first dispute, no reasonable reinvestigation occurred. These entities are continuing to report inaccurate, misleading, and unverifiable information in violation of : 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy 15 U.S.C. 1681i failure to reasonably reinvestigate disputed information 15 U.S.C. 1681s-2 ( a ) & ( b ) furnishing and failing to correct inaccurate data 15 U.S.C. 1681n & 1681o civil liability for willful or negligent noncompliance These inaccuracies are damaging my creditworthiness and have caused harm. I am requesting a full CFPB investigation into XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all consumer reporting agencies publishing this information. 

I have attached copies of my credit reports, dispute letters, and screenshots of the tradeline showing these inconsistencies.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX, Experian, and TransUnion responded very poorly and have been ignoring my disputes, I have shown proof of identity theft, and yet they allow these actions to continue on my credit report.

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 2025-11-13 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: GA

Complaint narrative:
I am disputing the following items appearing on my Equifax credit report. These entries are inaccurate or unverifiable, and I have been unable to obtain adequate documentation from Equifax or the furnishers. 

Charged-Off Accounts XXXX XXXX XXXXXXXX Account No. XXXX, Date Opened XX/XX/year>, Reported Balance {$0.00} This account appears as charged-off, but the balance is listed as {$0.00}. The information is inconsistent and unverifiable. Please validate or remove. 

Late Payments XXXX XXXX XXXX, Account No. XXXX The payment history appears inaccurate. I request verification or removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

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