vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be 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 2025-07-16 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: VA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I'm a verified survivor of XXXX XXXX. I have submitted my required documentation to Experian under the Section 605C of the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.142. This law requires Experian to block all adverse credit information resulting from trafficking within 4 business days of receiving proper documentation. Despite providing my Self-Attestation form and supporting materials multiple times, Experian continues to mishandle my submission by treating it as a basic dispute and stating it will take 25-30 days to " investigate ''. This violates federal law, which clearly states blocking must occur within 4 business days, not after an extended dispute process. I have resubmitted my documents multiple times, made it clear this is a 605C submission, and cited the proper regulations, yet Experian continues to mishandle my case. Experian 's failure to properly process my XXXX-related claim has caused ongoing harm to my credit and violates my rights under the FCRA 605C.

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 2025-07-16 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: MA

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 : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, UT XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Against Mr. Cooper for Unfair Credit Reporting Loan Number XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Mr. Cooper ( XXXX XXXX XXXX  XXXX, TX XXXX ) for inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ). A late payment was reported on my mortgage account ( Loan Number XXXX ) for XX/XX/year>, due to a failure in XXXX XXXX XXXX XXXX ( XXXX  ) bill pay system during the XXXX XXXX  XXXX completed XX/XX/year>. This error was beyond my control, yet it was reported to XXXX, XXXX, and XXXX, causing my and my wifes credit scores to drop over XXXX points and resulting in a higher auto refinance rate from XXXX ( 5.74 % instead of 5.49 % APR ). 

I notified Mr. Cooper of this issue via their online system on XX/XX/year>, providing evidence of the payment correction, XXXX  acknowledgment of fault ( confirmed by Branch Manager XXXX XXXX XXXX, and my payment history. Despite this, Mr. Cooper failed to respond or correct the report. Enclosed are copies of my payment records, XXXX correspondence, and the XX/XX/year>XXXX  letters to Mr. Cooper. 

Under the FCRA, I request that the CFPB : Compel Mr. Cooper to investigate and remove the inaccurate late payment from my credit reports. 

Ensure Mr. Cooper provides written confirmation of the correction to all three credit bureaus. 

Address XXXX XXXX failure to respond to my prior correspondence. 

Please contact me at XXXX or XXXX within 30 days to confirm receipt and provide updates on the resolution. Thank you for your assistance in addressing this matter. 

Sincerely, XXXX XXXX Enclosures : Payment records XXXX correspondence XX/XX/year> letters to Mr. Cooper

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, Account # XXXX ) that recently appeared on my credit report. I have no knowledge of this debt and was never notified about it before seeing it listed. I never applied for or authorized any account with this creditor. Reporting this account without my consent or prior notice violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 1681b, which limits access to consumer reports to those with a valid permissible purpose. I am demanding this account be immediately deleted due to lack of verification and notice. This has caused harm to my credit and peace of mind.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint as a victim of fraud. After reviewing my credit reports, I discovered inaccurate and unauthorized accounts and inquiries that I did not open or authorize. These errors are seriously damaging my credit profile.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681i ), I have the right to dispute any information that is inaccurate or can not be verified. The credit bureaus are legally required to investigate and remove unverifiable items within 30 days. Despite submitting disputes, the accounts remain and no proper validation has been provided.

I am also invoking my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ) and FACTA, which protect identity theft victims by requiring the blocking of fraudulent information. The credit reporting agencies and furnishers have failed to uphold these obligations. 

Disputed accounts include : 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/year> I demand the immediate removal of all fraudulent and unverifiable information from my credit reports. Continued reporting without proper documentation violates FCRA 1681s-2 ( b ).

Attached are : A copy of my ID and proof of address My highlighted credit reports Copies of my previous dispute letters Please take action and hold the responsible parties accountable for noncompliance.

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 2025-07-16 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: TX

Complaint narrative:
I am submitting this complaint as a victim of fraud. After reviewing my credit reports, I discovered inaccurate and unauthorized accounts and inquiries that I did not open or authorize. These errors are seriously damaging my credit profile.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681i ), I have the right to dispute any information that is inaccurate or can not be verified. The credit bureaus are legally required to investigate and remove unverifiable items within 30 days. Despite submitting disputes, the accounts remain and no proper validation has been provided.

I am also invoking my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ) and FACTA, which protect identity theft victims by requiring the blocking of fraudulent information. The credit reporting agencies and furnishers have failed to uphold these obligations. 

Disputed accounts include : 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/year> I demand the immediate removal of all fraudulent and unverifiable information from my credit reports. Continued reporting without proper documentation violates FCRA 1681s-2 ( b ).

Attached are : A copy of my ID and proof of address My highlighted credit reports Copies of my previous dispute letters Please take action and hold the responsible parties accountable for noncompliance.

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 2025-07-16 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: PA

Complaint narrative:
This letter is a formal response to your communication dated XX/XX/XXXX, regarding my dispute originally submitted to XXXX and the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, concerning the federal student loan currently serviced under my name. 

Let me be clear : I am disputing the validity and enforceability of the consolidation loan and any subsequent loans tied to it, based on the absence of documented, verifiable proof of the original underlying loans that were allegedly consolidated in XXXX. 

You have failed to provide any Master Promissory Note ( MPN ), signed agreement, or documentation that establishes I agreed to or received the original loans that were purportedly consolidated. If you can not produce valid contracts for those underlying loans, then the consolidation loanregardless of whether a promissory note exists for itis legally baseless. A consolidation loan can not be created from debt that is undocumented or potentially nonexistent. 

Further, continued reporting of this unverifiable loan to credit reporting agencies constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate and capable of being substantiated. In the absence of proof of the original debt, your continued servicing and reporting of this loan amounts to furnishing inaccurate and unverified information. 

I hereby demand the following : 1. Immediate removal of this loan from all consumer reporting agencies ( Experian, XXXX, and XXXX  ) ; 2. Written confirmation from XXXX that no legally binding documentation exists for the original loans ; 3. Cessation of any collection activities or reporting related to this loan ; 4. Disclosure of all documents in your possession that relate to the creation, disbursement, and servicing of both the original loans and the XXXX consolidation loan. 

If you continue to report this unverifiable debt to the credit bureaus, or if you do not provide legally sufficient documentation within 15 business days, I will take further action, including submitting formal complaints to the U.S. Department of Education Ombudsman Group, the Federal Trade Commission, and the Pennsylvania Attorney Generals Office. I also reserve the right to pursue legal remedies under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, including statutory damages. 

Sincerely, 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 2025-07-16 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: PA

Complaint narrative:
This letter is a formal response to your communication dated XX/XX/XXXX, regarding my dispute originally submitted to XXXX and the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, concerning the federal student loan currently serviced under my name. 

Let me be clear : I am disputing the validity and enforceability of the consolidation loan and any subsequent loans tied to it, based on the absence of documented, verifiable proof of the original underlying loans that were allegedly consolidated in XXXX. 

You have failed to provide any Master Promissory Note ( MPN ), signed agreement, or documentation that establishes I agreed to or received the original loans that were purportedly consolidated. If you can not produce valid contracts for those underlying loans, then the consolidation loanregardless of whether a promissory note exists for itis legally baseless. A consolidation loan can not be created from debt that is undocumented or potentially nonexistent. 

Further, continued reporting of this unverifiable loan to credit reporting agencies constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate and capable of being substantiated. In the absence of proof of the original debt, your continued servicing and reporting of this loan amounts to furnishing inaccurate and unverified information. 

I hereby demand the following : 1. Immediate removal of this loan from all consumer reporting agencies ( XXXX, Equifax, and XXXX  ) ; 2. Written confirmation from XXXX that no legally binding documentation exists for the original loans ; 3. Cessation of any collection activities or reporting related to this loan ; 4. Disclosure of all documents in your possession that relate to the creation, disbursement, and servicing of both the original loans and the XXXX consolidation loan. 

If you continue to report this unverifiable debt to the credit bureaus, or if you do not provide legally sufficient documentation within 15 business days, I will take further action, including submitting formal complaints to the U.S. Department of Education Ombudsman Group, the Federal Trade Commission, and the Pennsylvania Attorney Generals Office. I also reserve the right to pursue legal remedies under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, including statutory damages.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NJ

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-07-16 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: CA

Complaint narrative:
I am filing this complaint regarding an account on my credit report that does not belong to me. This account was previously disputed, removed, and confirmed as inaccurate, yet it has now reappeared without any explanation. This is not only frustrating, but it raises serious concerns about how my information is being handledespecially as someone who has already dealt with identity theft. The presence of this account is damaging my credit and violating my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account is being reported as delinquent, but that information is inaccurate. I am requesting that it be disputed and updated to show no late payments.

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 2025-07-16 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am writing to report two unauthorized hard inquiries on my credit report by American Express one dated XXXX  and one dated XXXX both listed as Bank Credit Cards inquiries on my XXXX XXXX and XXXX  files . I never applied for an American Express card or granted permission for these credit pulls, yet they continue to appear despite my disputes and are unfairly inflating my inquiry count. As a direct result, I have been denied credit cards and loan products that I legitimately qualify for, and my ongoing efforts to rebuild my credit following a XXXX  identitytheft incident are being repeatedly set back. All of my legitimate accounts rent, XXXX, XXXX remain open with perfect payment histories, so these spurious inquiries misrepresent my responsible credit behavior and are actively harming my financial wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
I was a victim of identity theft. There is an inquiry on my Transunion credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is 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 2025-07-16 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to follow up on a complaint I submitted on XX/XX/year>, regarding TransUnion ( Case # XXXX ). ( now closed ) After the complaint, my credit score was corrected. However, shortly after, my score dropped by XXXX points overnight without any valid explanation. 

I carefully reviewed my credit report and confirm that : There have been no new late payments. 

No new collections or negative items have been added. 

No public records have appeared. 

My credit activity has remained stable. 

It appears that TransUnion may have temporarily fixed the issue in response to the CFPB complaint, only to reverse it later without reason. This sudden and unjustified drop is extremely concerning.

I also attempted to contact TransUnion directly, which was very difficult. After multiple attempts, when I finally reached a representative, I was told that they couldnt do anything because the issue was related to another entitywithout clarifying which one or offering any assistance.

This lack of transparency and accountability is unacceptable. I am requesting that the CFPB reopen or further investigate this case to ensure that TransUnion is following fair and lawful reporting practices. 

Thank you for your attention to this matter.

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