vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Equifax Credit Information Services , Inc.

XXXX  XXXX XXXX XXXX, GA XXXX Dear Equifax Credit Information Services , Inc. 

Im formally disputing the inaccurate bankruptcy entry on my credit report, dated XX/XX/XXXX, under Social Security number ending in XXXX. This information is unverifiable, as XXXX XXXX XXXX furnished itconfirmed after review. 
They reference numbers is XXXX that's has a file date of XXXX Please see the attached verification letter from them and XXXX  notice of removal. 
I will also attached from the Equifax official site on my credit report where they list XXXX is the source and they still refuse to remove it from my credit report and XXXX contacted them as well this is illegal tactic. 
Despite my earlier dispute on XXXX, which I noted during a phone call with your representative, no action has been taken. This inaccuracy continues to harm me, as loans I am owed get denied. I request that you remove this entry permanently within thirty days, as mandated by the Fair Credit Reporting Act. 

Failure to comply will constitute a violation of the FCRA, which carries the risk of XXXX XXXX dollars in statutory damages, along with attorneys fees. I am prepared to file a lawsuit in federal court if this issue is not resolved. I have logged every call and letter related to this matter, and my lawyer is currently preparing the complaint. 

Please confirm the deletion of this entry in writing. 

Sincerely, Since XXXX could not verify any bankruptcies in my name and it was removed from my credit report and so did XXXX  I demand that Equifax and XXXX  do the same because they confirmed it is inaccurate and XXXX and XXXX  investigated and found it was unverifiable you are both known for inaccurately reporting but continue to do so your credit reporting agencies should have the same results please update my credit report immediately I have sent all my documents and have gotten generic response like I need to make sure it's me I have kept record of all this and will take legal action if there is no results have been sending in documents since XXXX of XXXX and no resolution this is my final warning. Equifax is reporting reference # XXXX and XXXX  is reporting reference # XXXX and XXXX this inaccuracy has caused so much damade and I can't get a fair chance at lending because despite of the proof and certified signed mail you both XXXX  and Equifax have failed to be compliant and follow the law everything must be 100 percent timely a 100 percent accurate and 100 verifiable the court house and XXXX  do not verify this information so you listing a invalid source is why I am owed my {$1000.00} monetary relief and I will like that as well for the willful non compliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BROKER SOLUTIONS, INC.
State: CO

Complaint narrative:
I am XXXX XXXX XXXX with XXXX XXXX with large equipment to plug in for oxygen. My life is a risk to be put on streets with no place to plug in.My lender New American Funding has put my home into foreclosure, which is based on an escrow shortage that they created by Paying {$7700.00} in XXXX XXXXinsurance bill I did not receive nor authorize. I am not responsible for this Debt Mishandling of My escrow account does not give them the right to charge me for their own error.I authorized a insurance policy for {$5700.00} in XX/XX/XXXX. I requested and received one analysis report in XXXX an Escrow Analysis dated XX/XX/XXXX mailed but the analysis was done on XX/XX/XXXX. Already showing The {$7700.00} made but the outstanding balance says {$15000.00}? XXXX also trying withdrawing {$2400.00} in XXXX stating that was my new payment amount. my payment was {$590.00} more than doubled. Because I gave authorization to automatic withdrawal {$590.00} each month the took it alupon themselves to TRYto withdrawal the larger amount. Ended up with a NSF charge of {$32.00}. Colorado also has RULE 120. So lenders think they can do a " Manufactured Default '' they createsa situation under the term Umbrella and makes it impossible for the borrower to pay resulting in non-payment as excuse that to forclosure .I put {$50000.00} down on this home, I'm not going to default for {$8000.00} I do not owe the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: IL

Complaint narrative:
To the Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, and I am filing this complaint because my federal student loans are still appearing on my credit report even though I was officially approved for a Total and Permanent Disability ( TPD ) discharge by the U.S. Department of Education ( Federal Student Aid ). 

On XX/XX/year>, I received an official letter from the U.S. Department of Education confirming that I am eligible for a TPD discharge based on documentation from the Social Security Administration ( SSA ). The letter states that : My federal student loans and/or TEACH Grant obligations will be automatically discharged unless I opt out. 
All payments and garnishments collected after XX/XX/year>, will be refunded.

I am no longer required to make payments or fulfill any TEACH Grant obligations.

Despite this, my credit reports from XXXX, XXXX, and XXXX still show these loans ( serviced by DEPT OF ED / MOHELA ) as active, defaulted, or charged off, which is inaccurate and misleading.

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) which requires furnishers of information ( like loan servicers ) to provide only accurate data to credit reporting agencies ; and 15 U.S.C. 1681s-2 ( b ) which requires furnishers to correct and update information once an error is identified.

In addition, under 34 C.F.R. 685.213 ( b ) ( 4 ) ( iv ), the U.S. Department of Education is required to notify credit reporting agencies that a borrowers loans have been discharged due to total and permanent disability. Therefore, these loans should no longer be reported as due, in default, or outstanding after my discharge approval.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-27 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must include only information that is accurate, complete, and verifiable. I request that these entries be verified, and if they can not be confirmed, corrected or removed.

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 2025-10-27 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Diversified Adjustment Service, Inc.
State: MN

Complaint narrative:
I did NOT consent to receive text messages from this company and I got a text saying I SIGNED up for alerts from them and that I owe debt. This is false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX - XXXXXXXX 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 - XXXXXXXX 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 XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing you again about the compromising of my social security number. I believe I am a victim of Identity Theft. I believe my information was comprised and used falsely. I also found my personal information was used in the Equifax XXXX breach and included that proof. I have filed a police report and I contacted the Federal Trade Commission and filed a complaint several complaint # XXXX, and XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts were previously removed but has now been reinserted back on to my Transunion credit report without any proper investigation. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically section 6 ll ( a ) ( 5 ) ( B ) ( ii ), a consumer reporting agency is mandated to notify the consumer of any reinsertion of previously deleted material in writing within XXXX business days following such reinsertion. To date, I have not received any form of notification regarding the reinsertion of the disputed item, constituting a direct and egregious violation of FCRA XXXX XXXX l ( a ) ( XXXX ) ( B ) ( XXXX ). I am also including letters from the CFPB which XXXX of the accounts listed XXXX Receivables and XXXX XXXX XXXX stated in writing the accounts were removed from my credit report. The account listed below, which appears on my credit report, does not relate to any account I have opened or have written consent of. It is the result of identity theft. 

XXXX. 
XXXX XXXX Account Number : XXXX * * * * * * XXXX. 
XXXX XXXX Account XXXX : XXXX * * * * * * * XXXX. 
XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * XXXX. 
XXXX XXXX Account XXXX : XXXX * * * * * * * * XXXX. 
XXXX XXXX Account XXXX : XXXX * * * * * * * * XXXX. 
XXXX Account XXXX : XXXX * * * * * * * * * * * XXXX. 
XXXXXXXX XXXX Account Number : XXXX * * * * * * * * * XXXX. 
XXXX XXXX Account Number : XXXX * * * * * * * * * XXXX. 
XXXXXXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * XXXX. 
XXXXXXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * * * XXXX. 
XXXX Account XXXX : XXXX * * * * * * * * * * * * * XXXX. 
XXXX XXXX Account 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 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Independence Capital Recovery, LLC
State: VA

Complaint narrative:
On XX/XX/year>, I, along with XXXX of my family members ( and counting ), received phone calls from XXXX XXXX of XXXX XXXX XXXX attempting to contact me regarding a purported loan matter. 

This represents the first and only instance of contact I have ever had from this individual or company. Despite that, XXXX XXXX has repeatedly reached out to multiple members of my family in an attempt to locate me. This behavior is entirely inappropriate, unprofessional, and unacceptable. 

Furthermore, it is unlawful under the Fair Debt Collection Practices Act ( FDCPA ) for a debt collector or their representative to contact anyone other than the consumer in question for purposes beyond confirming location or contact informationand they are expressly prohibited from discussing any details of the alleged debt or private matters with third parties. Attempting to obtain my personal information, location, or to discuss private financial details with family members constitutes a violation of federal law and a serious breach of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This letter serves as my formal dispute and demand for validation regarding the following account or inquiry reported on my credit file. The reporting or collection of this alleged debt violates both federal and Michigan state law if the collector or furnisher is not properly licensed and authorized to operate in this state. 

Under 15 U.S.C. 1681c-2, I am requesting the immediate blocking and removal of this information because I do not recognize or authorize it, and I have reason to believe it was reported or furnished by an entity not legally authorized to collect or furnish debt information in the State of Michigan.

Furthermore, under Michigan Compiled Laws ( MCL ) 339.901 et seq. the Michigan Collection Practices Act ( MCPA ) any company engaging in debt collection within Michigan must be licensed by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ). 
Therefore, I demand written proof of the following within 30 days : Proof of the companys Michigan Collection Agency License ( license number and expiration date ). 
Proof of assignment or ownership of the alleged debt, showing legal right to collect or report it. 
Verification of my written consent for any inquiry, account, or reporting made in my name.

Until you provide verifiable documentation of all of the above, you are required under 15 U.S.C. 1681s-2 ( a ) not to furnish or continue reporting unverifiable or unauthorized information. 
If you fail to provide validation or proof of legal authority to collect in Michigan, you must immediately delete or block this information from my credit report and notify all credit reporting agencies of the correction. 
Please note that any continued reporting, verification, or collection attempts without providing proper licensing and validation will be considered a willful violation of both federal and Michigan state law, and may result in further action. 
I expect your full compliance and written confirmation that this account/inquiry has been deleted or proof of valid licensing has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
Make certain that disputed accounts are promptly taken off your records, as the law requires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXXXXXX XXXX XXXX XXXXXXXX | XXXX XXXXXXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX  XX/XX/XXXX | XXXX XXXX XXXXXX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | I XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX  XX/XX/XXXX | XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXXXXXX XXXX XXXX XXXXXXXX | XXXX XXXXXXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX  XX/XX/XXXX | XXXX XXXX XXXXXX/XX/XXXX | XXXX XX/XX/XXXX | XXXX XX/XX/XXXX | I XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX | XXXX XXXX XXXX XX/XX/XXXX | XXXX  XX/XX/XXXX | XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation