vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
The inaccurate fraudulent accounts reporting to my credit consumer report. I requested debt validation from for these accounts to be verified on XX/XX/XXXX. After several attempts to get the accounts removed from my credit report, These accounts are in violation of 15 USC 1692 ( C ). These inaccurate fraudulent accounts has been reported to the FTC in attempts to also get these accounts removed from my credit consumer report. 
I am filing the ftc identity theft affidavit to report 5 fraudulent accounts appearing on my consumer report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS HAS RESULTED IN COLLECTION CHARGE OFF ACCOUNTS APPEARING ON MY CONSUMER CREDIT REPORT. I DEMAND THAT THE AFOREMENTIONED FRAUDLENT ITEMS BE REMOVED FROM EACH OF MY CONSUMER CREDIT REPORTS AND ALLCOLLECTIONS CEASE PER FRCA

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I am writing to urgently dispute and demand the immediate removal of an inaccurate and inconsistent account being reported on my credit file from XXXX XXXX XXXX . The account contains conflicting and unverifiable information, which violates the Fair Credit Reporting Act ( FCRA ) and is harming my credit profile.

Here are the details of the account : Creditor Name : XXXX XXXX XXXX Account Number ( last 4 digits ) : XXXX Reported Balance : {$1100.00} Issue : Conflicting and unverifiable dates and status Upon reviewing my credit report, I found the following discrepancies : XXXX  : Date Opened : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Account Status : OPEN XXXX  : Date Opened : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Account Status : CLOSED XXXX  : Date Opened : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Account Status : CLOSED This account is being reported with different dates of last activity, date opened, and date reported across the three major bureaus, and also shows a conflicting account status ( open vs. closed ). This is a direct violation of my rights under the FCRA, which requires that all information reported to credit bureaus must be complete, accurate, and verifiable.

Because the data furnishers have failed to maintain consistency and accuracy, I am demanding the immediate removal of this account from my credit report. This item is unverified, misleading, and materially affecting my ability to secure housing and financial opportunities.

Under Section 611 of the FCRA, you are required to remove unverifiable or inaccurate information within 30 days. However, given the clear contradictions in this account, I am requesting this item be deleted immediately without delay.

I am including the following documentation : Copy of my government-issued ID Proof of address Screenshot of the XXXX  report showing inconsistencies Please confirm receipt of this letter and provide me with written documentation showing that the item has been removed. Failure to act accordingly will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 2025-07-23 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-23 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 request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-24 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: TX

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed o

n Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never

sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XXXX To : LVNV Funding Subject : Formal Dispute of Inaccurate Credit Reporting LVNV Funding Dear LVNV Funding, I am writing to dispute an entry on my credit report that I believe to be inaccurate and/or unverifiable, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ].

The account in question is listed as : Creditor Name : LVNV Funding Account Number : XXXX Reported Balance : {$550.00} Date Opened : XX/XX/year> I request that you conduct a full investigation into this account and provide verification from the original creditor or delete this account entirely from my credit report. If LVNV Funding is unable to provide proper documentation verifying the accuracy and legitimacy of this debt, including a signed contract or agreement bearing my signature and complete payment history, then this account must be removed from my credit report immediately under FCRA guidelines.

Please provide me with written results of your investigation and an updated copy of my credit report. If the information is found to be inaccurate or unverifiable, please delete it from my record.

Under the FCRA, credit bureaus are required to complete this investigation within 30 days of receiving this request.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: 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 2025-07-23 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: CA

Complaint narrative:
I am a victim of identity theft. I disputed this incorrect information on my credit file with TransUnion, Equifax and Experian. It came back as verified and updated. I contacted XXXX XXXX as they are said to be the original creditor. I verified that I have no outstanding debt with them and they provided documentation to support as fact. I want the incorrect information removed expeditiously. I would like to file a formal charge against the violators due to punitive damages occurred. I have been hindered and denied my right to access credit due to this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am a victim of identity theft. I disputed this incorrect information on my credit file with TransUnion, Equifax and Experian. It came back as verified and updated. I contacted XXXX XXXX as they are said to be the original creditor. I verified that I have no outstanding debt with them and they provided documentation to support as fact. I want the incorrect information removed expeditiously. I would like to file a formal charge against the violators due to punitive damages occurred. I have been hindered and denied my right to access credit due to this violation.

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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATIONAL CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT XXXX  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 explanation
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I lost my full-time job in XX/XX/XXXX and requested mortgage assistance from PHH Mortgage due to reduced income. My current income is limited to unemployment benefits ( which will end soon ) and caregiving pay ( I am a full-time caregiver of an XXXX father who lives with me ). I asked for a temporary reduction in my monthly mortgage payment while seeking new employment. 

On XX/XX/XXXX, PHH offered me a modification with a payment of {$2800.00}, which I accepted. Then on XX/XX/XXXX, they issued a revised offer showing a higher payment of {$4200.00}. When I called, PHH told me this was a trial amount that would drop after the trial ended. I was told the increase was due to property taxes, but I had already paid the taxes myself. The representative told me to contact the county for a refund, even though PHH made the error. 

On XX/XX/XXXX, I was suddenly told that the {$4200.00} was now my permanent payment because I " accepted '' it, contradicting what I was told before. Each time I call, I am assigned a different agent, and each gives a different explanation. No one has been able to clearly explain whats going on or provide consistent support. 

Now, on XX/XX/XXXX, I received another modification offer where the escrow portion jumped from {$110.00} to {$1400.00}, raising my monthly payment to {$4200.00}. When I asked how this massive increase was calculated, the agent said they didnt know and would request the information.

Over the course of this process, I feel scammed, misled, harassed, and duped for signing the revised mortgage modification. Ive lost over {$10000.00} trying to keep up with these inconsistent terms. Ive complied with every request, submitted all required documentation, and been patientbut I still do not have a stable or affordable mortgage solution. Im being punished for requesting help.

Im asking the CFPB to review this case and help ensure that PHH is held accountable for misleading and potentially predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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