vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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 am formally requesting the immediate removal of all medical accounts listed on my credit report that do not belong to me. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or can not be properly verified. The medical accounts in question are either incorrect or do not meet the legal standards required for reporting. These accounts are damaging my credit profile unfairly and must be deleted without delay. I demand a full investigation and prompt correction of my credit file. If this matter is not resolved in compliance with federal law, I am prepared to take further legal action to protect my rights.

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 2025-04-16 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 am formally requesting the immediate removal of all medical accounts listed on my credit report that do not belong to me. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or can not be properly verified. The medical accounts in question are either incorrect or do not meet the legal standards required for reporting. These accounts are damaging my credit profile unfairly and must be deleted without delay. I demand a full investigation and prompt correction of my credit file. If this matter is not resolved in compliance with federal law, I am prepared to take further legal action to protect my rights.

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 2025-04-16 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I tried making a new account with Experian as I can not get in contact with anyone to update my number on the account. I am locked out of the account due to it having an old phone number and email address attached to it. I need help getting into my Experian account but everything is automated and will not transfer me to a customer service agent to get the help that I need.

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 2025-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: MOHELA
State: AZ

Complaint narrative:
Whenever I am just 1 day late from making a payment I will get XXXX calls a day to make payment. Even when I state that I will be making payment before a late fee gets accessed. Just in that last 3 days I have received XXXX calls. I think its ridiculous and way out of procedures and should be addressed and charges should be filed. 
XX/XX/year> - XXXX calls before XXXX XX/XX/year> - XXXX calls before XXXX XX/XX/year> - XXXX calls This is unacceptable and I have brought it up to them that they are calling way to much and need to stop. But every month I get the same harassments treatment. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
My significant other is experiencing a declining health that placed her on hospice so I needed time off to care for her and was eventually let go after working there for XXXX years. I am continually calling XXXX XXXX trying to make payment arrangements but they are unwilling to do so. I contacted XXXX XXXX XXXX, who offered to assist me but XXXX denied allowing XXXX XXXX XXXX to assist in restoring my mortgage back to compliance. XXXX states that the loan is also under XXXX, who gave the mortgage to XXXX XXXXXXXX XXXX. I've been trying to call XXXX XXXXXXXX but they are refusing to talk with me because XXXX sold the mortgage which took my name off the mortgage. XXXX reports that I am {$8000.00} delinquent but refused XXXX XXXX XXXXXXXX assistance.

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 2025-04-16 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: NJ

Complaint narrative:
I ran a credit report and saw XXXX accounts that are not mine one from chase and XXXX from XXXX XXXX  please see attchated police report See attahcted credit report as well

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 2025-04-16 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I was disputing XXXX of my accounts named XXXX XXXX XXXX XXXX through Credit Karma and Credit Karma came back with a result of Unknown and it says XXXX XXXX XXXX XXXX did not respond to my dispute. It says contact transunion. So I did and when talking to their online chat I was trying to explain to the agent this very sane thing I said XXXX XXXX XXXX XXXX has exceeded the 30 days to respond to me through credit Karma and per the fcra that's ground for having the account deleted. XXXX  cut the online Chat with me. I'll make a formal complaint about them separate after this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I have been attempting to resolve a debt being collected by Sequium Asset Solutions ( original creditor XXXX XXXX XXXX ). Their automated emails stated I could reply with my own payment plan proposal. I emailed them on XX/XX/2025, followed up on XX/XX/2025, called on XX/XX/2025 to confirm my emails had been received and to have written communication sent to me. A rep did confirm receipt and said he would " note that I requested email communication ''. I sent a final follow-up on XX/XX/2025. 



Instead, I received an automated settlement offer email that did not address my proposal or questions, and included a mass-mailing unsubscribe footer. Despite my repeated good faith attempts to negotiate a payment plan, they have failed to respond in writing. This lack of communication is interfering with my ability to resolve this debt, and it is negatively impacting my credit and ability to secure housing. 



I am requesting that Sequium Asset Solutions provide a written response to my payment plan proposal as originally instructed by their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is not a duplicate complaint! I am filing this complaint against XXXX XXXX for ongoing FCRA violations. They are reporting materially inconsistent and inaccurate tradeline data to Equifax and Experian. Despite disputes submitted from XXXX to XXXX, they continue to verify the account as accurate. For example, XX/XX/XXXX shows 60 days late on Equifax but XXXX on XXXX XXXX recently claimed the reporting is correct without addressing these discrepancies. I am sending certified settlement letters to XXXX XXXX, Equifax, and Experian. I have attached Exhibit F ( side-by-side report comparison ) and credit report screenshots as evidence. I am requesting immediate deletion of the tradeline and a full CFPB investigation into these ongoing violations. 

This long history of unresolved disputes highlights a pattern of failure to conduct reasonable investigations as required under 15 U.S.C. 1681i and 1681s-2 ( b ), and supports my request for deletion and further review by the CFPB.

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 2025-04-16 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: PA

Complaint narrative:
This is not a duplicate complaint! I am filing this complaint against XXXX XXXX for ongoing FCRA violations. They are reporting materially inconsistent and inaccurate tradeline data to Equifax and Experian. Despite disputes submitted from XXXX to XXXX, they continue to verify the account as accurate. For example, XX/XX/XXXX shows 60 days late on Equifax but XXXX on XXXX XXXX recently claimed the reporting is correct without addressing these discrepancies. I am sending certified settlement letters to XXXX XXXX, Equifax, and Experian. I have attached Exhibit F ( side-by-side report comparison ) and credit report screenshots as evidence. I am requesting immediate deletion of the tradeline and a full CFPB investigation into these ongoing violations. 

This long history of unresolved disputes highlights a pattern of failure to conduct reasonable investigations as required under 15 U.S.C. 1681i and 1681s-2 ( b ), and supports my request for deletion and further review by the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Solar Mosaic LLC
State: NV

Complaint narrative:
A XXXX company I hired used the XXXX  company Mosaic to finance half of the total for the project. Mosaic then paid the company the full amount financed before the bathroom was finished without my approval or knowledge. The remodel company went out of business in XXXX of XXXX. I called Mosaic to atop payments and they said they had already paid out. I have been trying to get them to work with me on the total of repayment and they have said it's under investigation. I have submitted multiple items at their request with still no solution to date. At this point they have said I am delinquent on payments and it has effected my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
I filed disputes with Equifax the credit reporting agency and request for immediate removal. I never authorized the companies to run or verify my credit. They did this without my acknowledgement and consent and requested all the inquiries to be removed and Equifax sent me a letter not clearing these items that were already removed by the other credit reporting agencys that are in compliance with federal law. This agency is violating my rights and I want to pursue legal action. I was a victim of the Equifax data breach were my personal was stolen. I provided a criminal report number from my city police department and contacted FTC and they are not complying with the federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
i discovered a credit card with XXXX  ive reached out multiple times they keep telling me its my account i have been telling them its not my account or did i ever have XXXX with them

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal and financial data was compromised by Equifax and XXXX violating FERPA. I request full cancellation of all accounts on reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The following months are being reported as " Not Current '' ( late ), but per federal student loan policy, these entries are invalid : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These should be removed based on : The XXXX administrative forbearance refers to the temporary suspension or reduction of certain administrative requirements or penalties related to XXXX. ( XX/XX/XXXX XX/XX/XXXX ), During which no late payments were to be reported. 

The " On-ramp period '' ( XX/XX/XXXX XX/XX/XXXX ) explicitly prevents reporting missed payments as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IN

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( XXXX ). Block and Remove!

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 2025-04-16 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: OH

Complaint narrative:
Ive just obtained a copy of my credit report and noticed the following errors. I have NO knowledge of these accounts. Not only are they in violation of my FCRA rights, they are erroneously reported Twice. 

XXXX XXXX and XXXXXXXX XXXX ARE THE SAME COMPANY and are reporting negatively on my credit report. XXXX XXXX Acct XXXX XXXX XXXX. XXXXXXXX XXXX Acct # XXXX. XXXX. XXXX Acct # XXXX. 

15 US Code 1681 ( a ) states any transactions between you and the creditors are REQUIRED to be EXCLUDED from your credit report. Any person obtaining a consumer report, under 15 US Code 1681N ( A ) ( 1 ) ( A ), under false pretenses or without permissible purposes for actual damages, shall be held liable for actual damages.

Kindly, DELETE the above collection accounts above mentioned as soon as possible.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MRS BPO, LLC
State: IL

Complaint narrative:
XXXX is not collecting on the account because they have sold the account and no other company is collecting! delete information related to XXXX!. all bureaus are breaking the law by reporting wrong fake information!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
XXXX is not collecting on the account because they have sold the account and no other company is collecting! delete information related to XXXX!. all bureaus are breaking the law by reporting wrong fake information!

Company response to consumer: Closed with explanation