vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I object to the inclusion of accounts I did not initiate. Kindly review thoroughly and remove them. Documentation accompanies this request.

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 2025-10-01 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: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am sending this dispute to challenge inaccurate reporting on my credit file regarding late payment history and account status. The following accounts are being reported incorrectly and require reinvestigation : XXXX XXXX Balance {$0.00} Payment Status : Unknown Date Opened : XX/XX/XXXX XXXX  XXXX Balance {$1000.00} Date Opened : XX/XX/XXXX LATE : 30 DAYS AND 60 DAYS XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Payment Status : Unknown XXXX XXXX Balance {$4900.00} - XXXX XXXX Balance {$3600.00} These accounts either reflect inaccurate balances, incorrect late payment notations, or misapplied account status. Their continued reporting misrepresents my credit history and adversely affects my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ) : XXXX ( b ) ( XXXX U.S.C. XXXX ( b ) ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

XXXX ( a ) ( XXXX U.S.C. XXXX ) provides my right to dispute inaccurate information and mandates a full reinvestigation of disputed accounts. 

If these accounts can not be fully verified with supporting documentation, they must be corrected immediately from my credit file. I request written confirmation of the reinvestigation results and any corrective actions taken within the timeframe required by federal law.

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 2025-10-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate and unverified negative accounts currently being reported on my credit file. After carefully reviewing my credit reports, I have found multiple errors that are damaging my creditworthiness. These accounts do not belong to me and/or are being reported in error, in violation of the Fair Credit Reporting Act ( FCRA ). 
The following accounts are being inaccurately reported and must be investigated immediately : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate and unverified negative accounts currently being reported on my credit file. After carefully reviewing my credit reports, I have found multiple errors that are damaging my creditworthiness. These accounts do not belong to me and/or are being reported in error, in violation of the Fair Credit Reporting Act ( FCRA ). 
The following accounts are being inaccurately reported and must be investigated immediately : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 Equifax XXXX XXXX XXXXXXXX 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 2025-10-01 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: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX XX/XX/XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate/Negative Items Under FCRA Request for Immediate Deletion Dear Equifax, I am writing to formally dispute 1 inaccurate, unverifiable, and outdated item listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and substantiated credit file. I am also protected under the Fair and Accurate Credit Transactions Act ( FACTA ) from the harmful impact of identity theft and data misuse.

Given the Equifax data breach of XXXX, in which the personal information of over XXXX XXXX XXXXincluding names, Social Security numbers, dates of birth, and addresseswas compromised, and the more recent " Mother of All Breaches '' ( MOAB ) in XXXX, as well as the XX/XX/XXXX breach exposing over XXXX XXXX passwords and credentials, it is no longer reasonable to assume that every item on a credit report genuinely belongs to the consumer without independent verification. 
Due to the magnitude and frequency of these massive data breaches, I am requesting that the following accounts be thoroughly investigated and permanently deleted from my credit file if any of the information can not be 100 % verified with original source documentation : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX According to the FCRA : You must complete your reinvestigation within 30 days of receiving this dispute. 
If an item can not be verified, it must be deleted from my credit report. 
You are also required to notify me in writing of the results of your investigation.

Additionally, I demand you provide : 1. The name, address, and contact information of each data furnisher for the accounts in question.

2. A description of the procedure used to determine the accuracy and completeness of the information.

3. Proof of my authorization or contractual obligation for the items listedespecially in light of known breaches and potential fraudulent use of personal data.

Failure to respond within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
As a consumer exercising my rights under federal law, I expect your full compliance with the FCRA and FACTA. This is not a frivolous disputethis is a good-faith effort to correct a credit report marred by inaccurate and potentially fraudulent information. 
Please confirm receipt of this letter and inform me once the disputed information is deleted. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: GA

Complaint narrative:
Equifax has refused to provide me with access to my credit report despite my valid request and proper identity verification. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681j, which guarantees consumers access to their credit file. The denial prevents me from monitoring for fraud and inaccuracies. I request that the CFPB investigate and require Equifax to immediately provide me with my credit report and implement corrective procedures to prevent future unlawful denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I paid my XXXX Mortgage payment on XX/XX/XXXX and it went through and posted on XX/XX/XXXX. I confirmed that with my credit union along with confirming it on my Mr. Cooper mortgage app under payment activity as well as my banking statement. I have a letter from my credit union saying that the payment went through and posted on XX/XX/XXXX ( {$1200.00} ). I started getting alerts from Mr. Cooper stating that my payment was not made and that I would be charged late fees if I did not pay it on time. I requested they do research and provided my proof. They sent me a letter stating that my mortgage would go delinquent if I did not make my XXXX payment. I kept re-sending my proof and got an array of different answers from them including on their end stating that my payment is missing. I received this PDF of their latest findings today and also stating that I will still be paying a late fee even though the error in the system was something on their end. I had to borrow money from a family member to make a SECOND XXXX mortgage payment in order to just keep it from going deliquent while they 'did their investigation '. I have asked for my second mortgage payment to be returned to me and that the late fee be waived. No response. Mr. Cooper Mortgage merged with XXXX XXXX  and have already had issues this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB MANAGMENT SERVICES Last reported XX/XX/XXXX {$6200.00} Open balance NCB MANAGMENT SERVICES Original creditor XXXX Jpened Account status Type Responsibility XX/XX/XXXX ( XXXX mos ) Open - Individual Remarks Original creditor name XXXX  for collection Account information disputed by consumer Account information disputed by consumer NCB MANAGMENT SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I received calls requesting collection of a debt. When I requested written proof of the signed contract, I was sent an email with a name that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my Consumer Report, I noticed that late payments have been reported on an account for which I have consistently maintained timely payments. As you are aware, XXXX XXXX XXXX play an essential role in ensuring that the information they provide is fair, factual, and accurate. Any inaccuracies, such as erroneous late payment notations, can cause undue harm to a consumers credit profile and financial standing. 
For the account listed below, I have never missed or delayed a payment : Account Name : XXXX XXXX Account XXXX : XXXX Given that I have diligently met all of my financial obligations on time, I dispute the accuracy of the reported late payments. I respectfully request that your agency conduct a thorough reinvestigation into this matter. Please provide concrete evidence, such as account statements or payment records, to substantiate any claims of delinquency. 
If you are unable to produce verifiable documentation confirming the alleged late payments, I insist that these inaccuracies be corrected immediately. Specifically, I request that all erroneous late payment notations be removed and that the account be updated to accurately reflect its true on-time payment history. 
As required under the Fair Credit Reporting Act ( FCRA ), I expect this matter to be addressed promptly and that the outcome of your investigation be communicated to me in writing. Ensuring the integrity of my consumer report is of the utmost importance, and I appreciate your cooperation in resolving this matter.

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 2025-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I am disputing a charge-off/written-off account reported by Exeter Finance LLC on my credit report XXXX The account shows as closed with a {$0.00} balance and a {$24000.00} charge-off/written-off. 

Exeter has provided documentation including a Transfer of Ownership, statements, and a Retail Installment Contract, but has not provided the full original signed Purchase Agreement. Because the full Purchase Agreement is missing, the debt can not be fully verified under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 

This account is now owned and serviced by XXXX XXXX XXXX XXXX XXXX.. I have already contacted XXXX to request full validation of the debt, but they have not provided the original XXXX XXXX either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX Account ( XX/XX/XXXX ) I am disputing the XXXX revolving account opened on XX/XX/XXXX and later closed. This account is not mine, and I never applied for or authorized it. My personal information was exposed during the XXXX  data breach, and I believe this fraudulent account was created under my name as a result. It is now reporting on my credit and harming my ability to provide for my family. Unless XXXX or the XXXX  can produce original signed documentation proving I opened this account, it must be deleted immediately. An FTC Identity Theft Report is attached. If this account is not removed, I will escalate my XXXX Attorney General without delay.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding a XXXXXXXX XXXX  credit card. In XX/XX/year>, a {$24.00} balance posted to my account, which I believe was eventually posted in XXXX. I was unable to view or pay this balance because of an internal error within PNCs systems. 

In XX/XX/year> ( approximately XX/XX/XXXX ), I attempted to cancel or flag the card due to unauthorized transactions. The account was cancelled in XXXX of XXXXs operating systems but remained active in another. This created a situation where my card appeared closed in online banking, and I could not see or access the balance. Despite being unable to view the account, it continued to accrue charges and a payment was due. 

XXXX also had inconsistent address information. My checking account had the correct address, but the credit card account had an outdated address. As a result, statements were sent to the wrong location, and I did not receive any notification of the balance due. 

The first time I became aware of the missed payment was when my credit monitoring service notified me that a late payment had been reported. At that point, I contacted XXXX and spent several hours trying to resolve the issue. I eventually paid the {$24.00} balance by phone. 

Despite the fact that this delinquency was caused by PNCs internal system error and mismanagement of my account, XXXX reported the payment as late to the credit bureaus. This single {$24.00} late payment has lowered my credit score by roughly XXXX points, significantly affecting my ability to secure favorable mortgage financing as a resident physician. 

I have contacted XXXX multiple times to request removal of the late payment, but I have only been told that it is not fixable. XXXX acknowledges that the card was cancelled in XXXX system and still active in another, yet they have not corrected the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding a XXXXXXXX XXXX  credit card. In XX/XX/year>, a {$24.00} balance posted to my account, which I believe was eventually posted in XXXX. I was unable to view or pay this balance because of an internal error within PNCs systems. 

In XX/XX/year> ( approximately XX/XX/XXXX ), I attempted to cancel or flag the card due to unauthorized transactions. The account was cancelled in one of XXXXs operating systems but remained active in another. This created a situation where my card appeared closed in online banking, and I could not see or access the balance. Despite being unable to view the account, it continued to accrue charges and a payment was due. 

XXXX also had inconsistent address information. My checking account had the correct address, but the credit card account had an outdated address. As a result, statements were sent to the wrong location, and I did not receive any notification of the balance due. 

The first time I became aware of the missed payment was when my credit monitoring service notified me that a late payment had been reported. At that point, I contacted XXXX and spent several hours trying to resolve the issue. I eventually paid the {$24.00} balance by phone. 

Despite the fact that this delinquency was caused by PNCs internal system error and mismanagement of my account, XXXX reported the payment as late to the credit bureaus. This single {$24.00} late payment has lowered my credit score by roughly XXXX points, significantly affecting my ability to secure favorable mortgage financing as a resident physician. 

I have contacted XXXX multiple times to request removal of the late payment, but I have only been told that it is not fixable. XXXX acknowledges that the card was cancelled in XXXX system and still active in another, yet they have not corrected the reporting.

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