vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
SOUTHWEST CREDIT SYSTE is falsely reporting on my credit. I have never had any accounts with them. Per my research SOUTHWEST CREDIT SYSTE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
I requested disputes on multiple occasions due to what was being reported incorrectly on my credit report with Experian and other credit bureaus. I gave detailed explanations, and these concerns weren't properly investigated. I have dates connected to home addresses that I was not associated with during the time of report or credit inquiry, I just want these things wiped off my credit rightfully. This is affecting my ability to purchase and or rent, my ability to obtain a car, all things I am deserving of as an American citizen. According to the law 15 USC1681c-2 it mandates these credit bureaus to do a fair investigation and verify my accounts and if they can not do so they are required to block and delete them from my credit report. They have never lawfully verified my information. They are not even actual " credit bureaus '' they are Credit reporting agencies they are buying, selling, and trading my personal information or monetary gain without my consent.

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 2025-08-18 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: NY

Complaint narrative:
i recently review a copy of my credit report and notice i had fraudulent accounts on my report .please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Buyer agreed to deposit earnest money into Accurate title company on XX/XX/year>. Seller did not clear to close per contractual agreement. Seller then closed the contract and requested earnest deposit. Buyer went to her bank ( bank of AmericaXXXX ) and said she and a unauthorized deposit. Bank of America reversed the earnest money deposit using code XXXX. This was fraudulent and in breach of contract.

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 2025-08-18 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX Date : XXXX XXXX  XX/XX/XXXX Date : XXXX XXXX XX/XX/XXXX Date XXXX XXXX XXXXXX/XX/XXXX Date : XXXX XXXX XXXXXX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XXXX XX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XXXX XX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XXXXXXXX XX/XX/XXXX Date : XXXX XXXX  XX/XX/XXXX Date XXXX XXXX XXXX XXXXXX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  Date : XX/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 explanation
Consumer complaint received 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : EXPERIAN XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX- Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-18 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: United Shore Financial Services, LLC
State: NC

Complaint narrative:
We were told at signing that we had XXXX  days to cancel. We notified the broker XXXX in, on the morning of the XXXX day I called the broker and was told he would verify the cancelation. 
On Monday we had a deposit made into our account, we called and called and called and learned we had XXXX different companies handling our loan. We also learned we had to cancel in writing. 
We were never told by the broker or the notary we had to cancel in writing. 
Now, we need help with this cancelation. 
XXXX XXXX XXXX XXXX XXXX whole sale Mortgage. 
While signing documents the notary shuffled through sending papers to another stack, we believe these docs that explained how to cancel were in that stack, we never were told how to cancel or saw these docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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 was made aware of several accounts that are not mine, that are being listed on my credit report. I want these removed from my report as they are not my accounts and I did not open them. I had an ex boyfriend that I believe is the one that opened these things up and messed up my stuff. I remember finding pictures of my ID on his phone and wondering why that would be there. I need your help to remove these fraudulent accounts from my credit report. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Under the FCRA, you are required to investigate my dispute and respond within 30 days. Failure to remove or validate these inquiries will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

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 2025-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Under the FCRA, you are required to investigate my dispute and remove or correct the item if it can not be verified. Please provide me with written confirmation of your findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
I am a borrower working toward Public Service Loan Forgiveness ( PSLF ). My servicer, MOHELA, has failed to correctly update my qualifying employment and payment counts despite multiple submissions and documented payments. 

I submitted XXXX Employment Certification Forms ( ECFs ) for my qualifying employer : Submitted XX/XX/XXXX marked completed XX/XX/XXXX Submitted XX/XX/XXXX marked completed XX/XX/XXXX and XX/XX/XXXX These forms cover continuous full-time employment from XX/XX/XXXX through XX/XX/XXXX. Despite this, MOHELA has only credited me with 1 month of XXXX credit, even though I made all required payments and met all program requirements. 

Additionally, my employer submitted a lump-sum payment of {$8500.00} on XX/XX/XXXX. In the past, I have received XXXX credit for all months that such payments cover, but MOHELA has not applied this correctly and stating my payment of {$300.00} will be due in XX/XX/XXXX. 

I also filed a reconsideration request regarding this miscount, but MOHELA has not provided any correspondence or confirmation that it is being reviewed. 

This error is preventing me from receiving accurate XXXX credit, delaying my progress toward forgiveness, and causing financial and emotional distress. 

XXXX Requested : Correct my PSLF qualifying payment and employment counts for XX/XX/XXXX XX/XX/XXXX in line with PSLF rules. 

Apply the XX/XX/XXXX employer lump-sum payment to the correct number of months of PSLF credit. 

Provide a written explanation of why only 1 month was credited despite multiple verified submissions. 

Provide confirmation and status of my reconsideration request.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Date : XX/XX/year> Midland Credit Management , Inc . 
Attn : XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, CA XXXX Re : Final Demand Harassment, Privacy Violations, Mishandling of Personal Information, and Pending Court Action To Whom It May Concern : This is a final demand letter regarding my prior correspondence dated XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>, which Midland Credit Management has ignored. Your ongoing violations of federal law and refusal to correct them are inexcusable. 
Your company has engaged in the following unlawful conduct : XXXX. Telephone Harassment In violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d.

2. Third-Party Disclosures of Personal Information In violation of 15 U.S.C. 1692c ( b ).

3. Failure to Protect and Redact Personal Identifiers in Court Records of self and others- A reckless violation of the Fair Credit Reporting Act ( FCRA ) and state privacy protections. Which includes but is not limited to : names, addresses, license plates numbers. 
These violations render your companys actions against me illegitimate, unlawful, and abusive of the legal process. 
DEMAND FOR IMMEDIATE ACTION I hereby demand that Midland Credit Management : XXXX. Immediately dismiss the court case filed against me with prejudice. 
XXXX. Cease and desist all telephone harassment. 
XXXX. Provide written confirmation that no further third-party disclosures of my information will occur. 
XXXX. Remove all unredacted personal identifiers from court records and confirm in writing that corrective action has been taken. 
XXXX. Remove all accounts from credit file/bureaus, and not to be transferred to other collection agencies. 
XXXX. Provide a complete written response to each of my prior letters within XXXX business days of receipt of this demand. 
NOTICE OF LEGAL CONSEQUENCES If Midland fails to dismiss the case and comply with these demands, I will : - File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General.

- Seek civil damages, including statutory damages under 15 U.S.C. 1692k ( a ), actual damages, attorneys fees, and punitive damages.

- Pursue sanctions and a counterclaim in the pending court matter for violations of the FDCPA, FCRA, and state privacy laws.

Your lawsuit is already tainted by unlawful practices and will be challenged as such. Continuing with this action despite clear violations will expose Midland Credit Management to sanctions, dismissal with prejudice, and counter-litigation.

This letter is not a request. It is a final demand. If you fail to comply, I will use every available legal avenue to hold Midland accountable. 
Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XX/XX/XXXX at XXXXXXXX XXXX As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXXXXXX 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 2025-08-18 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: WA

Complaint narrative:
Transunion XX/XX/year> Equifax XX/XX/year> Experian XX/XX/year> there is a fraudulent account on my report that is preventing me from getting out of a XXXX XXXX household and into a safe home under my name with my children i do not owe a debt to any prior residents or collection under this name XXXX XXXX XXXX XXXX in the amount of XXXX. 
I have already filed a FTC report in regaurds to this collection on my credit accounts as well the bureas did not respond or have accurat information on how they have verified this debt as mine. I need this removed immediatly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: WA

Complaint narrative:
Transunion XX/XX/year> Equifax XX/XX/year> Experian XX/XX/year> there is a fraudulent account on my report that is preventing me from getting out of a XXXX XXXX household and into a safe home under my name with my children i do not owe a debt to any prior residents or collection under this name XXXX XXXX XXXX XXXX in the amount of XXXX. 
I have already filed a FTC report in regaurds to this collection on my credit accounts as well the bureas did not respond or have accurat information on how they have verified this debt as mine. I need this removed immediatly

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 2025-08-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief