vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: AZ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX Balance : {$360.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$55.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$14000.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance : {$5600.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX Balance : {$71.00} Open Date XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX DEPARTMENT OF EDU Balance : {$5000.00} US DEPARTMENT OF EDU Balance : {$2800.00} US DEPARTMENT OF EDU Balance : {$2800.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
In XXXX 2025, I discovered that Experian was reporting a collection account from XXXX XXXX XXXX with an outstanding balance of {$310.00}, which I do not recognize and never agreed to. 
Immediately I sent both Experian and XXXX XXXX XXXX a written dispute and formal request for full debt validation under the Fair Credit Reporting Act, demanding proof such as the original contract, itemized statements, and evidence of their right to collect. Instead of providing any of these documents, they merely asked me for personal recordsan improper shift of the burden of proof. 
When they failed to validate the debt, I followed up with Experian, enclosing my correspondence with XXXX and asking that the unverified item be removed from my credit report. Experian in the first dispute omitted the entry pending investigation but then in the later dispute responded that the information had been verified, without supplying any supporting documentation. 
I also contacted XXXX XXXX XXXX directly after my second Experian dispute, and they again failed to produce legally required validation. Despite these multiple disputes and the furnishers non-compliance, the collection account remains on my report.

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 2025-06-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
A collection company called XXXX XXXX transfered a so called debt over to this other company called PHH saying that I owe a debt from 2022 tied to my mortgage. I don't owe this debt they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NJ

Complaint narrative:
I have paid experian. I have a credit dispute number and it says you can reach a specialist at the number below. This is a cut and paste : Still have questions? 
Our Experian Dispute Specialists are available to assist you. When calling, use Report # XXXX. 
Mon - Fri : XXXX to XXXX XXXX XXXX us : ( XXXX ) XXXX It is impossible to get to a real person. I've called this nukmber and XXXX others for Experian and they make it impossible. 

There is NO WAY to remove a dispute online ( or it's not easy ) and there is no way to reach a human being. They have made removing a dispute nearly impossible.

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 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Transunion Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : 1. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law.

Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ).

Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

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 2025-06-20 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: IA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
I am formally disputing multiple inaccuracies on my credit report under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Metro 2 Compliance standards.

You are reporting false, unverifiable, and incomplete information that directly violates : FCRA 1681e ( b ) ( Maximum Possible Accuracy ) FCRA 1681i ( Reinvestigation of Disputed Information ) Metro 2 CRRG ( 2020 ), fields and reporting structure compliance I demand immediate deletion of all unverified, inaccurate, and incomplete information. You are legally required to maintain only complete, factual, and fully verifiable data. Your failure to comply exposes you to liability under FCRA 1681n & 1681o for willful non-compliance and damages. 

The following Personal Information is inaccurate and must be DELETED : Incorrect Names : XXXX XXXX, XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Addresses : XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MA XXXX Employers : XXXX XXXX XXXX The following Accounts are being disputed due to unverifiable reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following Collections are disputed and must be DELETED : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Inquiries are disputed as unauthorized and lacking permissible purpose ( FCRA 1681b ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are hereby given 30 days from receipt of this dispute to provide : Full physical documentation verifying permissible purpose, legal reporting authority, and original signed contracts.

Full Metro 2 field level compliance certification for each disputed data set.

An updated and corrected credit report reflecting the deletion of unverifiable items. 

Failure to comply will result in immediate filing of complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), my State Attorney Generals office, and consideration of private legal action for damages. 

I expect full compliance. This dispute is submitted in good faith. The inaccuracies reported have materially harmed my financial profile and creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I applied for a rental apartment and my report came back denied because I had a flag on a collections from a rental company I owed and paid a year ago on XX/XX/XXXX. I called the debt agency on XX/XX/XXXX to please fix the error. The apartment complex said they can only hold the apartment for my family and I until this Friday. Otherwise wed lose it. The debt agency said they sent the letter to XXXX and expedited it. They said it should not take no longer than 24-48 hours for the change to reflect on my report. On XX/XX/XXXX, I contacted the collections agency to make sure that it is not there before the complex runs my report again. The agency assured me it is gone. I called the agency and they ran the report again and they said it is still present on their end. They will give me until tomorrow Saturday to hold the apartment. I called the collection agency once again and told them such and they said that they went ahead and reported it again and that the soonest they can give me an answer was Monday. I will lose an apartment because they did not remove the collections debt over a year ago when I paid for it. I have proof of the receipt and date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: AL

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: AL

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting 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 2025-06-20 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Equifax Information Services LLC. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

Details of the Complaint : 9. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from 1 ) -XXXX XXXX XXXXXXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
10. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
11. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Equifax Information Services LLC has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

12. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN ( last 4 ) : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX CC : experian Equifax, XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX TransUnion, XXXX. XXXX XXXX, XXXX, PA XXXX RE : IMMEDIATE RESPONSE REQUIRED FCRA VIOLATION IN PROGRESS Dispute Filed XX/XX/XXXX via CFPB Complaint Portal Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is a formal notice of non-compliance with the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) regarding the reinvestigation of the accounts I disputed on May 24, 2025. Your interim response indicating a 60-day review timeline is factually incorrect and legally unacceptable.

Legal Obligation Under the FCRA : Per FCRA 611 ( a ) ( 1 ) ( A ) : A consumer reporting agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... and record the current status of the disputed information, or delete the item from the file ... before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer...

Only under limited conditions ( such as receiving supplemental documentation during the review ) does the timeline extend by no more than 15 days, per 611 ( a ) ( 1 ) ( B ). At no point does the FCRA allow 60 days for reinvestigation. Your current response violates these federal timelines.

You Are Now in Violation As of today, over 25 days have passed since you received my dispute. Your attempt to extend the response to 60 days is a clear violation of FCRA 611, and my rights as a consumer have been willfully disregarded. You have also failed to provide proof of verification from the original creditors or collectors, which is required under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 3 ) ( B ).

If the inaccurate, unverifiable accounts are not deleted within 5 business days, I will take the following actions : File additional complaints with the CFPB, FTC, and Texas Attorney Generals Office ; Initiate a civil suit under FCRA 616 & 617 for statutory damages ( {$1000.00} per violation ), punitive damages for willful noncompliance, and attorneys fees ; Notify the Office of the Inspector General ( OIG ) of systemic FCRA violations by your agency. 

This is your final opportunity to comply with federal law and correct my credit file. I am not requesting goodwill or opinionI am demanding compliance with black-letter law. 

Requested Actions : Immediate deletion of all inaccurate, unverifiable accounts.

Written confirmation within 5 business days.

Do not reinstate any deleted information unless full legal procedures under 611 ( a ) ( 5 ) ( B ) are followed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I am writing to formally dispute a number of credit inquiries that appear on my credit report, which I do not recognize and did not authorize. These inquiries are concerning as I believe they may be the result of reporting errors. Or unauthorized use kindly request that this issue be investigated promptly and appropriate action be taken to correct any inaccuracies on my credit file. Please let me know if further information or documentation is required. 


The following hard inquiries are unfamiliar to me and were not initiated by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Date of inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Date of inquir XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of inquiry XX/XX/year>

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