vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have formally dispute and demand resolution of charges on my Barclays account related to a purchase I made through XXXX on XX/XX/XXXX for airline tickets scheduled for travel on XX/XX/XXXX and XX/XX/XXXX, XXXX the time of booking, I opted into the travel insurance coverage offered by XXXX. 
However, when my transaction was processed, the insurance coverage I selected was not applied to the booking even though I was billed for it. I was not informed of any error until I contacted Priceline to make necessary adjustments to my return flight while on the trip. I received a conformation for my trip XX/XX/XXXX As a result, when my daughter became unwell and was unable to board the scheduled return flight, I was forced to purchase an additional flight on JetBlue to bring her home when the time came as opposed to being able to switch both flights. Had the insurance I selected at checkout been properly applied, these costs and adjustments would have been covered under the policy. Furthermore, cancelling the initial purchase was not an option, because the refund process would not allow the funds to be available to me immediately. Priceline 's failure to apply the insurance deprived me of both the coverage I selected and the ability to make an informed decision about continuing with the transaction. 
In addition, I was improperly pressured and coerced into opening a new Barclays credit card in connection with this purchase. This coercion constitutes a violation of the Truth in Lending Act ( TILA ) and the Consumer Financial Protection Act ( CFPA ), as it represents an unfair, deceptive, and abusive practice designed to manipulate my decision-making. Such conduct further invalidates the charges in question and reinforces the need for immediate corrective action. This transaction constitutes a clear violation of federal consumer protection laws and a breach of contract, as detailed below. 
On XX/XX/XXXX, at XXXX, I called Priceline as instructed by Barclay bank . I was informed by a supervisor that the insurance that I opted into was not applied because the bank failed to authorize the payment for the insurance. I was also told that the protection purchase failed due to either a transaction issue or a system error. However, I was billed for the insurance and the money was refunded to my account without my authorization, cancellation, notification. I was coerced into opening a credit card with Priceline with the expectation that I was purchasing a trip with insurance. I did not receive what was offered. I did not enter any card information because I opted into opening a line of credit.

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 2025-09-12 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: NY

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-09-12 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
On or about XX/XX/year>, I signed a stipulated judgment relative to an account involving LVNV funding, LLC. Payments have been made timely to XXXX XXXX XXXX ( acting on behalf of LVNV ) as outlined in said agreement. Yet, LVNV funding, LLC continues to illegally report the account as in collection to all credit bureaus which is in violation of federal law, as once a stipulated judgment is agreed upon, the accounts status is governed by the court order, and the debt collector must report the new status to credit bureaus accurately. I have twice attempted to correct the issue through the dispute process via XXXX XXXX to no avail. LVNV funding, LLC has ignored the disputes and continues the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Levy & Associates, LLC
State: IN

Complaint narrative:
I never knew XXXX XXXX hired attorneys to sue me for a vehicle I surrendered due to having oil leaks. The motor was going on the vehicle when I bought it I was unaware of these issues. The XXXX XXXX XXXX never properly informed me of any legal action. They have been sending letters to an address I havent lived in in over 6 years so I never received paperwork. I get notified from my employer that they put in a garnishment. Without me being properly notified of any judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NJ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal dispute regarding fraudulent accounts wrongfully appearing on my credit report. These accounts are false, unauthorized, and were never opened or managed by me. Their reporting is misleading, harmful, and in direct conflict with my right to have accurate and truthful information reflected on my credit file.

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 2025-09-12 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: Continental Services Group, Inc. d/b/a ConServe
State: MA

Complaint narrative:
I have noticed that there is a fraud account from CONSERVE, which does not belong to me. I reported about that to CONSERVE yet CONSERVE is not removing this fraudulent account. CONSERVE has no right to refuse to remove this fraudulent account because I am a victim of identity theft, and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet CONSERVE has refused to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NY

Complaint narrative:
After checking my Equifax report I noticed fraudulent addresses and accounts reporting to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulent and need to be removed also

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This morning I checked my credit report, and the same inaccurate account is still there. It was not removed, and I truly dont understand why. Please, I am pleading that you review the documents I attached so I can finally find some relief from this.

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 2025-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-09-12 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: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES 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 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 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 have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Loan Officer offered pricing exceptions and requested Loan Estimate to review full breakdown. Loan Officer said he would provide once he received ss number and other information he refused to provide Loan Estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter serves as a formal dispute of fraudulent accounts currently listed on my credit report. I did not authorize these accounts, nor do I have any connection to them. Their presence is both inaccurate and harmful, as they distort my true financial history and unjustly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: SC

Complaint narrative:
I checked my credit report again this morning and those inaccurate late payments are still there, which makes no sense at all. Even after refreshing my browser, nothing was fixed. Im extremely frustrated and I need the documents Ive submitted to be reviewed properly so I can finally stop stressing over this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
New Complaint Against Mr. Cooper This complaint has now been filed twice, and both times Mr. Cooper has failed to address the central issue : their customer service representatives lied to us. Instead of responding directly, they attempted to change the subject to unrelated account details and policy explanations. We want a response to this issue specifically, which has not yet been addressed in either of their CFPB responses.

Mr. Coopers customer service representatives misled us on multiple occasions. They told us they would call us back with payment and payoff options, but they never did. They also made statements about how certain fees would be handled, which turned out to be false when fees were later charged in direct contradiction to what we were told. 

This is not a matter of misunderstanding account balances or payment histories. The central issue is that Mr. Coopers representatives lied to us and failed to follow through on commitments they made. When customers can not trust the information provided by a servicers representatives, the entire system breaks down. 

We are not requesting additional generic account details or explanations of policies. We want Mr. Cooper to respond directly to this issue : Why did their customer service representatives provide misleading information and fail to return promised calls? 

What accountability will there be for those failures? 

How will Mr. Cooper make this right for us and ensure this does not happen to other consumers? 

Lying to customers and then charging fees in direct opposition to those assurances is an egregious abuse of power. The CFPB must ensure that consumers are protected from mortgage servicers who mislead and harm their customers. 

We request that the CFPB require Mr. Cooper to provide a direct response addressing their representatives conduct and corrective actions, not unrelated account summaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NC

Complaint narrative:
I filed an identity dispute. And the did not provide me with facts it was me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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 filed an identity dispute. And the did not provide me with facts it was 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 explanation
Consumer complaint received 2025-09-12 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: AZ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-12 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:
I am submitting this complaint to report inaccurate credit reporting by XXXX XXXX XXXX ( XXXX ). The following is a detailed timeline of events and communications regarding my account and the disputed balance. 

Background and XXXX XX/XX/XXXX : I contacted XXXX XXXX to verify my account balance. A company supervisor confirmed the balance and stated that the balance was reported to Experian, XXXX XXXX XXXX. 

XX/XX/XXXX : I contacted Experian to confirm the reporting. Experian confirmed that no new data had been received from XXXX since XX/XX/XXXX. 

XX/XX/XXXX, and XXXX, XXXX : I repeatedly contacted XXXX XXXX to confirm whether my XX/XX/XXXX payments had been reported to Experian, XXXX XXXX XXXX. Each time, the company refused to confirm reporting. 

Disputes Filed First Dispute XX/XX/XXXX : I disputed an inaccurate account balance of {$13000.00}, because my records show the balance was {$12000.00} on that date. 

Experian investigated and verified the account with XXXX XXXX. 

XXXX falsely verified {$13000.00} as correct. 

Second Dispute XX/XX/XXXX : I filed a second dispute regarding the same inaccurate balance. 

XXXX again verified the false balance as correct. 

Further Contact and New Balance XX/XX/XXXX : I contacted XXXX XXXX XXXX for confirmation of the account balance. XXXX  confirmed a new balance of {$11000.00}. 

This sequence shows that XXXX XXXX repeatedly confirmed false and inconsistent balances to Experian in response to my disputes, despite acknowledging a significantly lower current balance directly to 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 explanation