vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I mailed certified letters in XXXX for the data fraud on my credit report, and I never got a response back. I know now from studying that's a violation of the Fair Credit Reporting Act. I demand your agency fix this mistake at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I was trying to buy a house and get a vehicle but I had some negative on my credit report I need all inquiries and negative information off my credit ASAP! According to 15 USC 1692 c you have violated my right by lawful communications please remove this collection of my credit report thank you.

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 2025-08-07 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: NY

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-07 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: MS

Complaint narrative:
2nd Complaint I am filing a complaint against XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

XXXX is reporting a charged-off collection account on all three major credit bureaus and listing a balance. I submitted a written debt validation request, and they failed to provide any supporting documentation within the 30-day legal window. Despite this, they continue to report the account as verified and accurate. 

This is a direct violation of FDCPA Section 809 ( b ) and FCRA rules regarding the furnishing of unverified or inaccurate information. Additionally, XXXX is not the original creditor, and it is unclear whether they are licensed to collect in my state. 

Their continued reporting is misleading and has caused significant damage to my credit. I respectfully request the FTC investigate XXXX XXXX XXXX for these violations and take appropriate enforcement action.

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 2025-08-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
My spouse XXXX XXXX XXXX executed a HELOC loan with XXXXXXXX XXXX in XXXX. In XXXX XXXX XXXX  merged witXXXX XXXX XXXX XXXX XXXX XXXX XXXX sold off the troublesome loan to Debt collector XXXX XXXX. In XXXX the loan statements ceased due to no fault of XXXX. 
Last payment made to bank was XX/XX/XXXX. In XXXX a settlement offer was made, which contained a Statute of Limitation Disclosure. See exhibit. On XXXX XXXX XXXX Trust recorded an Invalid Deed of Trust in the XXXX XXXX XXXX XXXX 's Office. There is no proper evidence of assignment or transfer of promissory note as required by law. 
13. Plus has no standing to request a Motion for Relief of automatic stay. A wrongful foreclosure on XX/XX/XXXX and an illegal eviction on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX, and I am submitting this complaint without any influence from any 3rd party company or agency. Please see my attached documentation as it contains my full complaint and request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: TX

Complaint narrative:
I signed up with XXXX XXXX XXXX to get retainers to straighten my teeth. The contract stated Id receive a package and services from partnered orthodontist as well as customer support. Shortly after signing the contract the company XXXX XXXX XXXX went bankrupt and lost their partnered orthodontists and customer support. Soon after I canceled my automatic payments to them for the original amount of {$1900.00} due to them not providing services and goods stipulated in said finance agreement. The payment processors for XXXX XXXX XXXXXXXX XXXX XXXX XXXX, soon contacted me about the stopped payments stating it is a breach of contract for me to revoke their right to auto debit payments not acknowledging XXXX XXXX XXXX failing to provide services & goods promised in written contract. Their payment processors XXXX XXXX XXXX threatened to send me to collections despite me not being provided with the services and goods from XXXX XXXX XXXX. I notified them through physical mail, email, and text message that the debt was null/void and invalid and I owed nothing because XXXX XXXX XXXX no longer existed due to bankruptcy and no one was left to provide the failed services and goods. Months have passed so I thought they acknowledged the invalidity of the debt but my credit score just took a major hit. I checked it and they sold the invalid debt to a company named Tek Collect Inc who changed the amount of the original amount to {$2500.00}. Ive now disputed the report with XXXX credit bureaus. Attached is proof of me notifying XXXX XXXX XXXX of the invalidity of the debt through text message and email before they sold it to Tek Collect Inc. I also mailed a physical letter to them through mail to their office address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against { CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling.

Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

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 2025-08-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Formal Dispute and Demand for Deletion of Inaccurately Reported Debt XXXX XXXX XXXX Dear TRANS UNION, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) regarding a tradeline appearing on my credit report, allegedly furnished by XXXX XXXX XXXX XXXX XXXX ( XXXX ), concerning a debt originally issued by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

I previously requested full validation of this account directly from XXXX XXXX XXXX via a Consumer Financial Protection Bureau ( CFPB ) complaint. In response, XXXX failed to provide any of the required account-level documentation, including : A copy of the original signed credit agreement or application; A contract of assignment or bill of sale connecting my alleged account to XXXX ; A full itemization of the debt including charges, fees, and payments ; Any valid proof of legal ownership of the alleged debt. 

Despite this failure, XXXX continues to report this account to the credit bureaus. This constitutes inaccurate and incomplete reporting under 15 U.S.C. 1681s-2 ( b ), which prohibits a furnisher from reporting data that it can not verify with documentation.

Legal Basis Under the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires you to reinvestigate and delete any item that can not be verified.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) requires deletion if the furnisher fails to verify after notice of dispute.

15 U.S.C. 1681e ( b ) requires that all items in a consumer report be maximum possible accurate.

Legal Argument : Courts have held that a debt buyer must provide documented proof that it owns the specific debt, not just a generic bill of sale. See : XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Further, under 15 U.S.C. 1681n and 1681o, you may be held civilly liable for willful or negligent failure to comply with these provisions, including the failure to delete unverifiable accounts. 

Action Requested Because XXXX XXXX XXXX failed to provide validation, you now have an independent legal obligation to : Obtain account-level documentation from the furnisher verifying : Proof of ownership ; Signed contract ; Itemization of balance. 

If XXXX fails to provide this to you, you must delete the tradeline from my report pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to do so after receiving this formal dispute will be viewed as willful noncompliance, and I will pursue all available legal remedies, including complaints with the CFPB, FTC, and a lawsuit seeking actual, statutory, and punitive damages.

Please complete your investigation and send me a written response within 30 days as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: LA

Complaint narrative:
XXXX XXXX began servicing my mortgage in XX/XX/XXXX. Since that time, they have mishandled my account in multiple ways : Improper Bankruptcy Classification : XXXX erroneously placed my loan under a bankruptcy hold, despite the fact that I was not in an active bankruptcy at the time. Based on their own policy, XXXX ceased all direct communication with me during this period and instead sent documentation to a former bankruptcy attorney. I received no notification regarding critical changes to my loan or escrow. 

Failure to Notify of Escrow Increase : XXXX increased my escrow and monthly payment without notifying me. Because I was unaware of the change, I continued making my regular payment amount, which they then held in a suspense account. This caused false delinquencies to be recorded on my account. 

Inaccurate Credit Reporting : As a result of XXXX internal errors, they falsely reported late payments to the credit bureaus. These derogatory marks were not caused by non-payment, but rather XXXX  failure to communicate and properly apply payments. 

Unjustified Late Fees and Inspection Charges : XXXX  assessed late fees and property inspection fees while my account was in this wrongful status. These charges stem entirely from XXXX own misclassification and improper reporting of the loan as being in default. At no point was the loan actually in default based on my payment history. 
In a written response dated XX/XX/XXXX, XXXX acknowledged these charges included : {$100.00} in " corporate advance general fees '' tied to property inspections, {$27.00} in expense advances, As well as prior charges totaling {$810.00} allegedly related to bankruptcy and default managementdespite the fact that I was neither in bankruptcy nor truly delinquent. 

Coerced Entry into Repayment Plan : Despite having made all necessary paymentsexcept for XX/XX/XXXX, which was immediately correctedXXXX threatened foreclosure and coerced me into a repayment plan that I completed in full by XX/XX/XXXX. This plan was based entirely on a false narrative of default caused by their own misapplication of funds.

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 2025-08-07 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: LA

Complaint narrative:
XXXX XXXX began servicing my mortgage in XX/XX/XXXX. Since that time, they have mishandled my account in multiple ways : Improper Bankruptcy Classification : XXXX erroneously placed my loan under a bankruptcy hold, despite the fact that I was not in an active bankruptcy at the time. Based on their own policy, XXXX ceased all direct communication with me during this period and instead sent documentation to a former bankruptcy attorney. I received no notification regarding critical changes to my loan or escrow. 

Failure to Notify of Escrow Increase : XXXX increased my escrow and monthly payment without notifying me. Because I was unaware of the change, I continued making my regular payment amount, which they then held in a suspense account. This caused false delinquencies to be recorded on my account. 

Inaccurate Credit Reporting : As a result of XXXX XXXXnternal errors, they falsely reported late payments to the credit bureaus. These derogatory marks were not caused by non-payment, but rather XXXX failure to communicate and properly apply payments. 

Unjustified Late Fees and Inspection Charges : XXXX  assessed late fees and property inspection fees while my account was in this wrongful status. These charges stem entirely from XXXX  own misclassification and improper reporting of the loan as being in default. At no point was the loan actually in default based on my payment history. 
In a written response dated XX/XX/XXXX, XXXX acknowledged these charges included : {$100.00} in " corporate advance general fees '' tied to property inspections, {$27.00} in expense advances, As well as prior charges totaling {$810.00} allegedly related to bankruptcy and default managementdespite the fact that I was neither in bankruptcy nor truly delinquent. 

Coerced Entry into Repayment Plan : Despite having made all necessary paymentsexcept for XX/XX/XXXX, which was immediately correctedXXXX threatened foreclosure and coerced me into a repayment plan that I completed in full by XX/XX/XXXX. This plan was based entirely on a false narrative of default caused by their own misapplication of funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
This letter serves as a final and urgent follow-up to my previous disputes regarding the inaccurate and unauthorized accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ transunion ] & XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  currently being reported on my credit file.

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 2025-08-07 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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 I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not 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.

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 2025-08-07 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: MI

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief