vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I emailed XXXX XXXX to cancel my membership. I was out of state, having XXXX due to a XXXX XXXX XXXX. I telephoned the owner personally and told him I had cancelled my membership, which expired on XX/XX/XXXX. I received multiple charges on my credit card from the XXXX at which time I attempted to call the owner of XXXX multiple times. I never heard back from anyone. In or about XXXX, I received a message stating that XXXX was turning my account over to collections. I have never formally received a letter from a collection agency and/or XXXX  giving me an accurate amount due. They were paid {$110.00} in XXXX via credit card, which should have paid any and all outstanding monies owed for a " 30 day '' cancellation. I now have a collection on my credit from First Credit Services for {$320.00}. I have reached out to First Credit Services on four different occasions, requesting information and providing proof of cancellation and payment. I have never received any communication back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-21 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: FL

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I am filing a formal complaint regarding my mortgage servicers ongoing refusal to comply with FHA loss mitigation requirements and their mishandling of approximately {$7500.00} in insurance proceeds. I am the primary borrower on FHA Loan with Freedom Mortgage company 1. Loss Mitigation Denial Based on Co-Borrower Refusal Despite multiple communications, my servicer has refused to process loss mitigation optionssuch as forbearance or a repayment plan based solely on my co-borrower 's unwillingness to sign. He is non-cooperative, has not contributed to the mortgage in over a year, and has been legally and physically absent for a significant portion of this process.

This refusal is a direct violation of HUD Handbook 4000.1, which clearly states : > The Mortgagee must not deny a Borrower 's request for loss mitigation solely because a Co-Borrower is non-responsive or uncooperative.

I have made it abundantly clear that I am prepared to resume payments and sign all documents required, with full documentation of hardship already provided. Still, the servicer is attempting to force inaction or foreclosure by blaming co-borrower unavailability despite FHAs own policy forbidding this exact situation.

2. Mishandling of {$7500.00} Insurance Funds In addition to this noncompliance, the mortgage company mishandled a {$7500.00} insurance disbursement intended for critical repairs my mortgage company improperly applied {$7500.00} in insurance funds directly to my loan balance. This payment was later reversed, increasing my principal balance and creating further confusion.

The mortgage company has failed in their fiduciary duty to manage escrow-related insurance payments, and their negligence has directly contributed to prolonged property damage and increased financial strain on my household.

This situation is urgent. I am respectfully requesting : Immediate investigation by HUD into this servicers conduct, A written directive to the mortgage company to comply with FHA loss mitigation protocol, and A review of how the {$7500.00} in insurance funds was managed, disbursed, or potentially diverted.

Thank you for your time and urgent attention to this matter. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Johnson Mark LLC
State: UT

Complaint narrative:
- There are XXXX remaining judgements showing on my credit report ( XXXX XXXX XXXX and XXXX XXXX ) both operated by Johnson Mark LLC. I have completed lump sum payments for both of these judgements, and they need to be REMOVED from my credit report. I have confirmation that both judgements have been settled and paid, but they have yet to take the necessary steps to remove these judgments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct Number - XXXX XXXX ) - I have also settled this " closed account '' in a lump sum payment, but they have also neglected to update and remove from my credit report. 

These companies can threaten and hound you daily - and once they get their money, they simply don't take the necessary or complete steps as promised to have these items removed.

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 2025-05-21 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: IL

Complaint narrative:
Please refer to the stolen identity information and the data breach information in the attachments below.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I am writing to formally request an early exclusion of a closed TD Bank NA Secured Credit Card account from all three of my credit reports XXXX XXXX XXXX XXXX XXXX XXXX. The account was opened on XX/XX/XXXX, and closed in XX/XX/XXXX. It is currently listed with a 30-day and 60-day late payment. However, this account has been paid in full and is closed in good standing. The presence of these late payments, more than two years after account closure, is not reflective of my current financial behavior and may be misleading to future creditors. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting this outdated information be removed or excluded from my report on the following legal grounds : 1. * * FCRA 605 ( 15 U.S.C. 1681c ) * * : This provision sets a seven-year limit on reporting adverse information. Although the reporting period is not yet complete, early exclusion is within credit bureaus ' rights and aligns with the FCRA 's intent to prevent outdated and irrelevant data from harming consumers.

2. * * FCRA 611 ( 15 U.S.C. 1681i ) * * : I am disputing the continued reporting of this negative history as unfair and outdated. The law requires that any disputed information which is inaccurate, incomplete, or unverifiable must be deleted. If TD Bank is unable or unwilling to verify these old delinquencies, they must be removed.

3. * * FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) * * : Credit bureaus must maintain maximum possible accuracy.

Retaining a delinquency that occurred over two years ago, on an account that is no longer active, does not meet that standard and may be mislead. 4. * * FCRA 623 ( 15 U.S.C. 1681s-2 ) * * : Furnishers of credit information must not report incomplete or outdated data. Continuing to display this outdated negative payment history, without noting the account was closed and satisfied, may violate their responsibilities.

I respectfully ask that you honor this request to ensure my credit report reflects only relevant and timely information. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: OH

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-21 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: OH

Complaint narrative:
I am formally disputing information on my credit report that I believe is inaccurate and/or the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute the completeness or accuracy of information furnished to and reported by consumer reporting agencies. Additionally, under 15 U.S.C. 1681c-2, I have the right to block any information resulting from identity theft upon providing an Identity Theft Report. 
I have submitted the required documentation, including identification, proof of address, and a valid Identity Theft Report from the Federal Trade Commission ( FTC ). Despite this, the credit reporting agency has failed to remove or properly investigate the disputed item ( s ) within the legally required timeframe.

I am requesting the CFPBs assistance in ensuring that the consumer reporting agency complies with its legal obligations to conduct a reasonable investigation and/or block fraudulent information in accordance with federal 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 explanation
Consumer complaint received 2025-05-21 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: OH

Complaint narrative:
I am formally disputing information on my credit report that I believe is inaccurate and/or the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute the completeness or accuracy of information furnished to and reported by consumer reporting agencies. Additionally, under 15 U.S.C. 1681c-2, I have the right to block any information resulting from identity theft upon providing an Identity Theft Report. 
I have submitted the required documentation, including identification, proof of address, and a valid Identity Theft Report from the Federal Trade Commission ( FTC ). Despite this, the credit reporting agency has failed to remove or properly investigate the disputed item ( s ) within the legally required timeframe.

I am requesting the CFPBs assistance in ensuring that the consumer reporting agency complies with its legal obligations to conduct a reasonable investigation and/or block fraudulent information in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: LA

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2025-05-21 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: FL

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 ).

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 2025-05-21 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: MI

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : 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 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 2025-05-21 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-05-21 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-05-21 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-05-21 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief