vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Birth : XX/XX/year> Social Security Number XXXX XXXX XXXX XXXXXXXX Email XXXX Phone XXXX Dear officer, My name is XXXX XXXX, and I am reaching out to request your assistance with a technical issue I encountered while trying to access my full credit report through XXXX XXXX XXXX online portal. 
I attempted to retrieve my credit report through the XXXX XXXX XXXX online portal, but unfortunately, I encountered technical errors and was unable to access my account. 
This report is urgently needed for an appeal process with the U.S. Department of Educations Office of Federal Student Aid Direct PLUS Loan as soon as possible. They require the complete Equifax credit report in XXXX  format. 
Please note that they do not accept screenshots, summaries, or third-party reports. Only the full, official Equifax report in PDF format is acceptable. I spoke with Equifax representative they told me that i need to contact XXXX XXXX XXXX  Please email the full XXXX  credit report to me as soon as possible or give me access to XXXX XXXX XXXX. I am including my full legal name and current address below for identification purposes. 
If you require any additional verification or documentation to process my request, please contact me at email XXXX or phone number XXXX I appreciate your time and patience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NC

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I turned XXXX yesterday, I received my credit score this morning. I figured I'd have a XXXX because I was an AU on a credit card for about a year but my credit score was XXXX. 

Upon further investigation, I noticed that I have several " deragatory marks '' on my credit report about a debt to XXXX that I do not know about. The negative remark has three reports starting from XXXX till now and it says it's " collections ''. 

Additionally, I noticed that my credit history says it's 4 years and 9 months which doesn't make any sense as I was XXXX at the time and couldn't have consented to anything regarding credit. 

The company that owns my debt : MRS BPO called me several times starting in XXXX about a debt to XXXX. I do not understand how to resolve this issue with MRS BPO as I couldn't reach them through the website due to it requiring a login which I don't have, the number they call/text me from not responding/complying with my questions & requests, aswell as the representatives that call me not answering any of my questions.

I believe this is some type of Identity theft or Financial Exploitation of a minor ; I hope to resolve this issue soon. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-12 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: AZ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
l recently checked my credit report and saw that there was a fraudulent account please delete it thank you oportun pathward - account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of the dispute adequately to consumers of the outcome. These failures align with my experience, where Experian has neither corrected nor moved the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer XXXX XXXX Amount {$610.00} Action taken ( several certified dispute letters were mailed ) XXXX XXXX  Amount : {$720.00} Action Taken ( several certified dispute letters were mailed ) XX/XX/year> Amount {$1500.00} Action Taken ( several sent certified dispute letters were mailed )

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 2025-07-12 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: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of the dispute adequately to consumers of the outcome. These failures align with my experience, where Experian has neither corrected nor moved the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer XXXX XXXX Amount {$610.00} Action taken ( several certified dispute letters were mailed ) XXXX XXXX  Amount : {$720.00} Action Taken ( several certified dispute letters were mailed ) XX/XX/year> Amount {$1500.00} Action Taken ( several sent certified dispute letters were mailed )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MD

Complaint narrative:
Formal Demand for Immediate Deletion of Dept. of Education / XXXX Accounts FCRA 611 and 623 ( a ) ( 8 ) Violations This is a formal request for the immediate deletion of all Dept. of Education / XXXX accounts being reported on my Equifax credit file. This demand is made under the authority of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681s-2. 

On XXXX XXXX I submitted a certified dispute directly to Dept. of Education / XXXX, properly identifying the inaccuracies in the accounts. The United States Postal Service has confirmed delivery of my letter, and it was signed for. However, I have not received any response within the 30-day period required by law.

Under FCRA 1681i ( a ) ( 5 ) ( A ) and 1681s-2 ( b ), if the furnisher fails to respond to a dispute within the statutory time, the consumer reporting agency must immediately delete the disputed information. A copy of the original dispute letter sent to Dept. of Education XXXX XXXX is enclosed for your reference. 

The following accounts listed on my Equifax report under Dept. of Education XXXX XXXX all share the same account number ( XXXX ) but are reported with different balances : {$1900.00} {$1700.00} {$1300.00} This practice of listing multiple tradelines under the same account number with varying balances constitutes duplicative reporting, which violates XXXX XXXX Base Segment data standards and materially misrepresents my credit profile to lenders. 

Basis for Immediate Deletion : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires deletion of unverifiable data after 30 days.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must report information completely and accurately.

15 U.S.C. 1681s-2 ( b ) : Failure to investigate after notice from a CRA results in removal. 

Metro 2 Reporting Standards : Do not permit multiple tradelines with identical account numbers and conflicting balances. 

This is not a request for reinvestigationit is a final demand for immediate removal of these accounts, which remain on my report despite the furnishers failure to respond. 

If these items are not deleted, I will escalate the matter with formal complaints to the Federal Trade Commission ( FTC ), and my State Attorney General, as well as initiate legal action under FCRA 1681n and 1681o for willful and negligent noncompliance. 

Please send written confirmation of deletion within XXXX business days of receipt of this letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: Possible Financial Inc
State: AZ

Complaint narrative:
This debt was fraudulently opened. I have never heard of this company. The company does not have a valid phone number for you to speak to anyone either.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bounce AI, Inc.
State: ID

Complaint narrative:
Im a victim of fraudulent charges of an accounts I never opened there is a police report XXXX with XXXX police department in Idaho state

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
At the end of XX/XX/XXXX, I became aware that my flood insurance policy was not paid and upon calling Mr. Cooper, it became evident that they sent the check from escrow to the incorrect address that was provided to them. After numerous conversations over the phone with them, it was communicated to me by Mr Cooper that they got permission to overnight a check and that would satisfy the insurance company. In XXXX, I called back Mr Cooper to confirm that the check was mailed and I was told it was. They advised me that everything was in order and I went about my business. 

In XXXX I received a notice from Mr. Cooper advising that they needed a copy of my declaration page for the flood insurance. To my surprise, I was confused because I knew that they had it because it was the same company I had back at the end of XXXX. I called Mr. Cooper and that's when this entire debacle started. I was informed that I didn't have flood insurance on my policy and that they were going to purchase XXXX XXXX XXXX for me on my behalf unless I was able to obtain it on my own. I explained to them that i never received any information with regards to this and this was the first time i was hearing about it. I questioned them and they said that they sent a letter to me in XXXX. I never received it. I asked the flood insurance company why they didn't reach out to me and they said they reached out to Mr Cooper since it was being paid through escrow. I still don't know what ever happened to the check from Mr Cooper back in XXXX, I came to find out that it was never mailed. 

XXXX i was able to obtain a policy with XXXX XXXX XXXX and verified that the check was received by them. However Even though I secured my own policy, Mr Cooper took it upon themselves to add XXXX XXXX XXXX on my account and I have been billed for this since that time. I have called weekly for 4 months noting that they need to remove this and backdate it to XXXX and it still shows active. They will not do what needs to be done and have given me excuse after excuse as to why it hasn't been done. This is gross negligence. I am paying XXXX more a month now because of an escrow shortage and i can not afford this payment. I have lodged complaint after complaint only to be told it takes time. ( 5 months?? ) Really? This company from what i read on XXXX have done this to a number of mortgage holders and it needs to be investigated. They are completely inept there and you can not get a XXXX XXXX XXXX XXXXhone if your life depended on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against ACIMA DIGITAL FKA SIMP for their continued failure to address this matter appropriately. Account in Question : Creditor : ACIMA DIGITAL FKA SIMP Account Number : XXXXXXXX XXXX XXXX  Balance : {$0.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. Despite several attempts to resolve this matter directly with ACIMA DIGITAL FKA SIMP, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: NC

Complaint narrative:
I have recently viewed my consumer report and noticed unknown credit inquires.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I closed multiple accounts that are now listed as charge-offs. However, several of these accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX continued to report monthly as profit and loss charge-offs up through XX/XX/year>. This is inaccurate and misleading reporting. The continued updates on closed, charged-off accounts give the false impression that they are still delinquent or active, which significantly damages my credit profile. 

I formally requested the following from each furnisher : A copy of the original signed contract or agreement An explanation or calculation of the charged-off balance The Date of First Delinquency ( DOFD ) as required by FCRA guidelines Proof of compliance with 15 USC 1681s-2 and 1681e ( b ), which require furnishers and credit bureaus to report with maximum possible accuracy A copy of any 1099-C issued, which would indicate debt cancellation and render continued updates or collection efforts improper. 

To date, I have not received a valid response or proper documentation from any of these furnishers. The accounts are marked as closed but continue to report as delinquent with profit and loss activity, which is not permitted under FCRA once a debt has been forgiven, canceled, or otherwise deemed uncollectible. If a 1099-C was issued on any of these accounts, they should not continue to report any balances or monthly updates at all.

I am requesting the immediate deletion of these accounts from all three credit bureaus due to : Improper and inaccurate reporting of status and balances Continued monthly updates on closed charge-offs Potential 1099-C violations if cancellation of debt has occurred Failure to validate or provide supporting documentation Violations of 15 USC 1681s-2 and 1681e ( b ) These accounts are harming my creditworthiness and are being reported in a manner that misleads future lenders. I request the Consumer Financial Protection Bureau to investigate and enforce the correction or removal of these inaccurate accounts.

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