vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
I am filing this complaint because several inaccurate and unverifiable items are being reported on my credit file, and my prior disputes have been ignored or improperly handled. 

I submitted formal written disputes to all three credit bureaus ( Experian, TransUnion, and Equifax ) regarding two derogatory accountsXXXX XXXX and XXXX XXXX XXXXwhich are either inaccurate, outdated, or unverifiable. These accounts include late payments and derogatory status updates that do not reflect the actual history or current standing of the accounts. 

In addition, my credit report shows multiple unauthorized or duplicative hard inquiries from : XXXX / XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these credit inquiries, nor did I initiate multiple applications that would justify such repeated access to my credit report. This is a direct violation of FCRA 604 ( a ), which requires that credit inquiries be made only with a permissible purpose and proper consumer authorization. 

I requested full reinvestigation and deletion of the accounts and inquiries as required by FCRA 1681i ( a ). However, the bureaus and furnishers either failed to provide verification or failed to respond altogether.

These actions are harming my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB take action to ensure : Permanent deletion of the unverifiable negative tradelines Immediate removal of unauthorized inquiries Confirmation that the credit bureaus and furnishers have conducted proper reinvestigations and followed legal procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
I am filing this complaint because several inaccurate and unverifiable items are being reported on my credit file, and my prior disputes have been ignored or improperly handled. 

I submitted formal written disputes to all three credit bureaus ( Experian, TransUnion, and Equifax ) regarding two derogatory accountsXXXX XXXX and XXXX XXXX XXXXwhich are either inaccurate, outdated, or unverifiable. These accounts include late payments and derogatory status updates that do not reflect the actual history or current standing of the accounts. 

In addition, my credit report shows multiple unauthorized or duplicative hard inquiries from : XXXX / XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these credit inquiries, nor did I initiate multiple applications that would justify such repeated access to my credit report. This is a direct violation of FCRA 604 ( a ), which requires that credit inquiries be made only with a permissible purpose and proper consumer authorization. 

I requested full reinvestigation and deletion of the accounts and inquiries as required by FCRA 1681i ( a ). However, the bureaus and furnishers either failed to provide verification or failed to respond altogether.

These actions are harming my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB take action to ensure : Permanent deletion of the unverifiable negative tradelines Immediate removal of unauthorized inquiries Confirmation that the credit bureaus and furnishers have conducted proper reinvestigations and followed legal procedures

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 2025-07-01 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: Cascade CISS Holdings, LLC
State: CT

Complaint narrative:
XACTUS-XXXX XXXXXXXX , XACTUS-AVANTUS and XACTUS-XXXXXXXX XXXXXXXX & they are damaging my credit and making inquiries on my credit reports that I have not authorized. 

The only inquiry made by me was in XXXX and due to be removed this past XX/XX/XXXX which has not as of yet been removed. 

They have 3 different inquiries on my XXXX Report and I want them removed immediately. 

They are on my XXXX  Report as XACTUS LLC and Xactus Credit Plus Mortgage Processing as well as on my XXXX report! 

The request originators seem to be through XXXX XXXX Mortgage. Let me be perfectly clear : these actions are damaging my credit and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I expect each and every unauthorized inquiry to be removed immediately. 

If these unauthorized inquiries are not fully removed without delay, I will have no choice but to escalate this matter. I am prepared to file formal complaints with the Connecticut Office of the Attorney General ( Attorney General XXXX  ) Consumer Protection, my state Senators XXXX XXXX and XXXX XXXX, the Department of Banking, and all relevant consumer protection agencies. Additionally, I will not hesitate to contact the real CT Real Estate Commission XXXX & make them aware ff what this lender & XXXX XXXX are doing using these deceptive practices. 

I expect written confirmation that these inquiries have been deleted from all three credit bureaus within ten ( 10 ) business days of this notice. 

I trust that you will treat this matter with the seriousness it demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Cascade CISS Holdings, LLC
State: CT

Complaint narrative:
XACTUSXXXX XXXXXXXX , XACTUS-AVANTUS and XACTUS-XXXX XXXX  & they are damaging my credit and making inquiries on my credit reports that I have not authorized.

The only inquiry made by me was in XXXX and due to be removed this past XX/XX/XXXX which has not as of yet been removed.

They have 3 different inquiries on my XXXX  Report and I want them removed immediately. 

They are on my XXXX  Report as XACTUS LLC and Xactus Credit Plus XXXX  XXXX as well as on my XXXX  report! 

The request originators seem to be through XXXX XXXX XXXX. Let me be perfectly clear : these actions are damaging my credit and constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I expect each and every unauthorized inquiry to be removed immediately.

If these unauthorized inquiries are not fully removed without delay, I will have no choice but to escalate this matter. I am prepared to file formal complaints with the Connecticut Office of the Attorney General ( Attorney General XXXX ) Consumer Protection, my state Senators XXXX XXXX and XXXX XXXX, the Department of Banking, and all relevant consumer protection agencies. Additionally, I will not hesitate to contact the real XXXX XXXX XXXX XXXX XXXX & make them aware ff what this lender & XXXX XXXX are doing using these deceptive practices.

I

expect written confirmation that these inquiries have been deleted from all three credit bureaus within ten ( 10 ) business days of this notice. I trust that you will treat this matter with the seriousness it demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
We obtained our mortgage loan on XX/XX/XXXX from the XXXXXXXX XXXX The initial loan estimated escrow for property taxes around $ XXXX for the year XXXX. Our home was appraised at {$670000.00} for the year XXXX ( I.e. our purchase price ) and we have a confirmed homestead exemption for the year XXXX. Our loan was transferred to CrossCountry Mortgage on XX/XX/XXXX. On XX/XX/XXXX we received a letter from CrossCountry that based on their escrow analysis, we were in a shortfall of our property taxes, estimated at $ XXXX for the XXXX year XXXX. I spoke to both CrossCountry and emailed XXXX ( the company responsible for the escrow analysis ) providing support for the lower appraisal value in XXXX ( $ XXXX vs. $ XXXX in XXXX ), confirmation we had a homestead exemption on the property in question for XXXX ( vs. no exemption in XXXX by the previous owner ), the property tax estimator calculation from the County Tax Office for XXXX with an estimate of $ XXXX, and a copy of the XXXX tax receipt indicating the prior year taxes were $ XXXX, again based on a higher appraisal value and no exemption. I have not heard a reaponse in over a week and have indicated multiple times I want to see the escrow analysis performed to determine whether the escrow estimate calculated at our closing in XX/XX/XXXX, 4 months ago, is indeed not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
I am submitting this complaint to dispute an inaccurate late payment being reported by all three credit bureausEquifax, XXXX XXXX XXXXfor an account with XXXX XXXX XXXX XXXX  account number ending in XXXX, with a reported delinquency date of XX/XX/year>. This entry is being reflected with a status of Past Due : {$0.00} and Payment Status : Current, which directly contradicts itself and is both misleading and factually inaccurate. 

The account shows no past-due balance and is reported as current, meaning that I am not delinquent, no payment is outstanding, and no default action is warranted. If there is no balance due and the account is in current standing, then the presence of any derogatory or late payment indicatorespecially from over a decade agois not only unnecessary but also unjustified. I have not received any documentation from the bureaus or from XXXX XXXX XXXX XXXX that supports the legitimacy of this alleged delinquency or that explains the inconsistency in the status being reported. 

As someone who monitors their credit regularly and maintains a strict commitment to accuracy and compliance, I find this reporting unacceptable. It paints an inaccurate picture of my payment history and financial responsibility, and it has the potential to mislead lenders, underwriters, and other third parties who rely on accurate credit data. The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), requires all consumer reporting agencies to ensure that the information they report is maintained with maximum possible accuracy. Moreover, under 15 U.S.C. 1681i, I have the right to dispute any item that can not be properly verified, and the bureaus have an obligation to delete any entry that can not be substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: CA

Complaint narrative:
I am writing to formally dispute a late payment reported on my federal student loan account, currently serviced by Edfinancial. According to my credit report, the account is listed as delinquent. However, I believe this reporting is inaccurate and does not reflect the full context of the situation : 1. My loan was under federally mandated forbearance through the CARES Act, during which no payments were required or expected. 
2. I did not receive any mailed billing statements or notifications that my loan had exited forbearance or that payments had resumed. I later discovered that my email notification preference had been turned off, and the only mail I received was a notice stating that I had been reported to the credit bureau. This may have been due to a change of address or a postal delivery error, but at no point was I made aware of the payment due date before the delinquency was reported. 
3. I only became aware of the delinquency after it was reflected on my credit report. Upon learning this, I immediately brought the account current with a payment on XX/XX/year>. 

As I'm sure your team is aware, the transition following the end of the federal forbearance period created widespread confusion. Like many borrowers, I did not receive timely or clear communication about the repayment schedule restarting. I acted promptly once I became aware of the delinquency, and I have never missed a payment on any other account. This is the only negative mark in an otherwise strong credit history. 

This single late mark which I believe occurred due to miscommunication rather than negligence, has significantly damaged what was previously a strong credit profile. Most recently, I was denied an apartment lease due to the sudden drop in my score, which has created unnecessary stress around securing housing. I respectfully request that you consider this a onetime oversight during a period of national repayment transition and submit a goodwill adjustment to remove the late payment from my credit report. 

I understand Edfinancial must follow credit reporting standards, but I hope my consistent track record, proactive communication, and swift resolution will be taken into account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IN

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, Equifax Information Services , LLC, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. 
This has cause me great XXXX, XXXX, and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IN

Complaint narrative:
On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, Equifax Information Services , LLC, and Experian Information Solutions INC. because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. 
This has cause me great XXXX, XXXX, and financial hardship.

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 2025-07-01 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: MI

Complaint narrative:
I disputed a debt reported by Resurgent Capital Services on behalf of LVNV Funding LLC. The alleged balance is {$730.00} from the original creditor XXXX / XXXX. I sent a formal written request for debt validation in early XX/XX/year>. 

Instead of providing proper validation under the FDCPA, they responded with generic billing statements that did not include : A signed agreement or application A breakdown of the debt Proof that LVNV legally owns the debt This does not meet the legal standard of debt validation. Additionally, my credit profile is frozen, and I did not authorize continued reporting or collection activity. If Resurgent is furnishing this data to any credit bureau, it also violates the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Nelnet, Inc.
State: GA

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data to so putting my financial security at risk and authorized disclosure to third-party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
As someone who takes my financial responsibility and credit profile very seriously, discovering inaccurate charge-off accounts on my credit reports is deeply frustrating and disheartening. The accounts in questionXXXX XXXX XXXXXXXX, account ending in XXXX, dated XX/XX/XXXX, with a balance of {$2100.00}, and XXXX, account ending in XXXX, dated XX/XX/XXXX, with a balance of $ XXXX showing as charge-offs in a manner that I believe is erroneous or unverifiable. 

These inaccurate charge-offs not only tarnish my creditworthiness but also cause emotional distress and XXXX I have always strived to maintain a clean credit history and to resolve any discrepancies immediately when discovered. Yet seeing these derogatory notations on both my XXXX and Experian credit files, without proper verification or substantiation, feels like a betrayal of my efforts and a blow to my financial reputation. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i, credit reporting agencies are required to ensure that all information reported is complete, accurate, and verifiable. The continued presence of these charge-offs without appropriate documentation or proof from the original creditors is unacceptable. It unfairly misrepresents my credit history and jeopardizes my ability to secure housing, credit, and even employment opportunities.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested that TRANS UNION, EXPERIAN AND EQUIFAX to correct inaccurate information being reported on my credit reports. This inaccurate information is causing issues when applying with bank. I have sent 2 letters thus far and now I am requesting the assistance of the CFPB to get things corrected. I have listed information below Incorrect names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Correct name XXXX XXXX XXXX Please remove the following incorrect addresses which are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX i have attached a copy of my license and a bill to provide my identity and correct address

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