vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: MO

Complaint narrative:
. I am a survivor of XXXX XXXXXXXX and enrolled in XXXX Address Confidentiality Program ( Safe at Home ), which provides protections under the Violence Against Women Act ( VAWA ). Despite providing Experian, Equifax, and TransUnion with documentation of my Safe at Home participation, they continue to display and share outdated, dangerous addresses ( including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ) on my credit reports. These addresses have been accessed through tenant screening reports and other third-party background checks. 

As a direct result, my abuserwho has an established history of harassment and retaliationwas able to locate me and has continued to actively threaten and stalk me. This has forced me to take additional security measures, including emergency relocation attempts and legal interventions, all of which have caused extreme financial and emotional strain. 

In addition : Repeated reinsertion of disputed accounts : After I disputed several inaccurate and unverifiable accounts, including XXXX XXXX XXXXXXXX XXXX, and collection accounts with XXXX XXXX XXXX XXXXXXXX XXXX, and others, the bureaus removed them temporarily only to reinsert them without providing the required notice under FCRA 1681i ( a ) ( 5 ) ( B ). This is illegal and deprives me of my right to challenge the reinserted information. 

Inconsistent data across platforms : XXXX Experian-powered credit report shows different account statuses, balances, and addresses than my Experian credit file accessed directly. For example, XXXX shows as a collection account in some reports despite being an active account in good standing. XXXX XXXX shows a charged-off balance but fails to reflect settlement and litigation pending status accurately. 

Blocked from submitting disputes online : Experian in particular prevents me from submitting new disputes, displaying errors or messages that I already disputed this despite new evidence or ongoing errors. This leaves me without a functional way to correct false information, violating my FCRA right to dispute. 

Impact on housing and financial stability : Due to these errors and the bureaus refusal to correct them, I have been repeatedly denied rental housingdespite holding a housing voucher. Landlords rely on these inaccurate reports during screening, and the reporting of outdated addresses has contributed to disqualifications. 

This situation is not only a technical violation of the FCRA but has also created real-world harm : housing insecurity, financial loss, emotional distress, and physical safety concerns. My documented medical conditions ( including XXXX XXXX ) have worsened under the stress of ongoing harassment and repeated credit denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
These accounts are the result of identity theft and were not opened, authorized, or used by me. I have informed the credit bureaus and original creditors, submitted all required documentation under the FCRA, and requested deletion. Both the credit reporting agency and the data furnisher have failed to comply with FCRA provisions, including the obligation to remove fraudulent accounts upon receipt of proper identity theft documentation. Please delete these items immediately to remain in compliance. 
XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged Reference # : XXXXXXXX XXXX XXXX XXXX  Bankruptcy : Discharged XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2025-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
I am submitting this formal complaint due to the unreasonable and unjustified delay in the processing of my Borrower Defense to Repayment application. I applied in good faith, fulfilling all requirements and submitting all necessary documentation. Despite this, I have been waiting for an excessively long period with no resolution, no meaningful updates, and no clear timeline for when my claim will be processed or resolved.

I submitted the application for borrower defense back in XXXX of XXXX  and XX/XX/year>. I even have called so many times over the past 4 years and have sent two written letters asking why is it taking so long? 
Meanwhile, Ive seen countless other borrowers who applied under the same programmany even after I didreceive their discharges and refunds. The disparity in how these applications are being handled is completely unacceptable, and raises serious concerns about the fairness, transparency, and accountability of this process. 

This delay is not only a violation of basic administrative standards, but it is also harming me financially and emotionally. Every month that passes without a decision adds unnecessary stress and prolongs the hardship caused by predatory and misleading educational practicesprecisely what this program was designed to correct. 

The Department of Education has made public statements about addressing these claims efficiently and fairly, but my lived experience tells a very different story. I am demanding that my case be reviewed and resolved immediately, and that I receive a full explanation for the delay and how my claim is being prioritized. 

The system currently in place is opaque, inconsistent, and fundamentally broken. I am asking the Consumer Financial Protection Bureau to step in and hold the Department of Education accountable for these delays, and to protect borrowers like me who are simply asking for what we were promised under federal law.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
RE : Account Name PORTFOLIO RECOV ASSOC Account # XXXX Amount : {$1100.00} Subject : Formal Demand for Immediate Deletion of All Accounts from Credit Report RE : Violation of 15 U.S. Code 1681b ( a ) ( 2 ), 1692c, 1692g, and 1681e ( b ) This serves as a formal dispute and demand for the immediate deletion of all accounts listed on my credit report as they are being reported and maintained in violation of federal law. The following statutes support my request and outline your responsibilities and liabilities under the law : Violations of Federal Law 15 U.S. Code 1681b ( a ) ( 2 ) You are prohibited from furnishing my credit report without my written instruction or permissible purpose. I have not granted authorization for any third-party to access, review, or report any account under my name. Any account listed without my direct consent constitutes a clear violation of this section.

15 U.S. Code 1692c ( FDCPA - Communication with Consumer ) Debt collectors and furnishers are restricted in how and when they may contact a consumer. Continued reporting or communication of these accounts without verified validation or my permission is in violation of this section. You are legally obligated to ensure that communication was conducted lawfully before allowing such data to be included on my report.

15 U.S. Code 1692g Under this section, debt collectors must provide full validation of any alleged debt within 5 days of initial contact. If a debt is not validated or is disputed, it must not be reported. These accounts lack verified, lawful validation and must be deleted from my credit file.

15 U.S. Code 1681e ( b ) Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Failing to verify and validate accounts before including them in my file violates this section. Any unverified, inaccurate, or unauthorized account is a breach of this statute.

Demand for Action I hereby demand that you : Immediately delete all accounts listed on my credit report, as they were reported unlawfully and without my consent.

Provide me with an updated and corrected copy of my credit report reflecting zero accounts within 30 days as required by 15 U.S. Code 1681i. 
Notice of Liability If these accounts are not removed within the required time frame, I will consider your agencies to be in continued violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ) File complaints with the Federal Trade Commission ( FTC ) Seek legal remedy and damages for negligent and/or willful noncompliance under 15 U.S. Code 1681n and 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
I submitted a formal dispute to XXXX XXXX XXXX on XX/XX/year> via certified mail, which was delivered and confirmed by USPS. The account was removed between XX/XX/XXXX and XX/XX/year>, according to notifications from XXXX XXXX, and is no longer reporting on TransUnion or Equifax. 



However, I never received any formal written notice from the credit bureaus confirming the results of the investigation, the deletion reason, or the process used which violates : FCRA 611 ( a ) ( 6 ) : Failure to notify me of investigation results within 5 business days of completion.

FCRA 611 ( a ) ( 7 ) : Failure to provide a procedure description if requested ( which I did in writing ).

This lack of communication denies me my legal rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trust Financial LLC
State: WY

Complaint narrative:
I was served today with an alleged debt owed from XXXX and XXXX to XXXX XXXX XXXX. The plaintiff was listed as Rocky Mountain Recovery Systems. 

I have not recieved any communication from this collection agency prior to this lawsuit. I have no idea what the debt is for and without receiving prior invoices or demand letters, I was not given the opportunity to verify or dispute the debt. 

It should also be noted that XXXX XXXX and I have been separated for over 13 years and have maintained separate households for 13 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I mistankingly uploaded a duplicate of my original School Misconduct application. I have since uploaded the right copy to the website and have included it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AZ

Complaint narrative:
I made a report with the FTC after receiving notice that I was apart of Equifax XXXX breach. After being denied for an apartment I checked my credit report and noticed several accounts and injuries that did not belong to me. I attempted to dispute these items with the credit bureau and was informed that the information would not be removed. This is when I reached out to the FTC for help. My information was used after the data breach and I'm unable to get credit due to this. The companies listed was found on all three credit bureau 's reports ; XXXX {$17000.00} Account XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX {$1200.00} Acct XXXX XXXX ( XXXX ) XXXX has XXXX accounts listed ; XXXX {$970.00} Account XXXX XXXXXXXX ( XXXX ) XXXX ; XXXXXXXX XXXX {$2200.00} Acct XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX {$6800.00} Acct XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX  {$450.00} Acct XXXX XXXXXXXX ( XXXX ) XXXX has XXXX accounts listed ; XXXX XXXX  {$16000.00} Acct XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX {$310.00} Acct XXXX XXXXXXXX ( XXXX ) XXXX. The Inquiries are as follow 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 My personal information is incorrect as well on the reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AZ

Complaint narrative:
I made a report with the FTC after receiving notice that I was apart of Equifax XXXX breach. After being denied for an apartment I checked my credit report and noticed several accounts and injuries that did not belong to me. I attempted to dispute these items with the credit bureau and was informed that the information would not be removed. This is when I reached out to the FTC for help. My information was used after the data breach and I'm unable to get credit due to this. The companies listed was found on all three credit bureau 's reports ; XXXX {$17000.00} Account XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX {$1200.00} Acct XXXX XXXX ( XXXX ) XXXX has XXXX accounts listed ; XXXX {$970.00} Account XXXX XXXXXXXX ( XXXX ) XXXX ; XXXXXXXX XXXX {$2200.00} Acct XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX {$6800.00} Acct XXXX XXXX ( XXXX ) XXXX ; XXXX XXXX XXXX  {$450.00} Acct XXXX XXXXXXXX ( XXXX ) XXXX has XXXX accounts listed ; XXXX XXXX  {$16000.00} Acct XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX {$310.00} Acct XXXX XXXXXXXX ( XXXX ) XXXX. The Inquiries are as follow 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 My personal information is incorrect as well on the reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
I previously disputed this XXXX XXXX XXXX  ( XXXX XXXX XXXX ) account as part of a set of certified letters sent in XX/XX/year>, consistent with my rights under the Fair Credit Reporting Act, including 623 ( a ) ( 8 ) and 611. 

While I no longer have the exact tracking receipt for this XXXX account, I can confirm that around the same time I mailed disputes to multiple furnishers, this account was removed from my credit report ( between XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

XXXX XXXX XXXX never responded or acknowledged my dispute in writing. The deletion appears reactive rather than procedural and constitutes failure to fulfill required FCRA duties. 

I am submitting this CFPB complaint to document the deletion, note the lack of communication, and prevent reinsertion of this tradeline without proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NC

Complaint narrative:
They are report XXXX collections on my account that XXXX belong to me I tried to get a car and I found out my address and the collections was on my credit report the law XXXX U.S.C XXXX states it shouldnt be any damage reporting to my credit without my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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:
I am unable to access my Equifax report on Equifax.com and XXXX XXXX XXXX. There was a fraudulent account from XXXX reporting to my Equifax report and the account was removed. Now I cant access my Equifax report. I need access to my report as it is causing me financial harm and hindering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I made a full payment of {$470.00} to Capital One. The payment was posted the same day, and I have the proof showing the amount, date, and my name ( XXXX XXXX XXXX ). However, the company has not updated my account to reflect the payment. I contacted them multiple times, but nothing has been resolved. I refuse to make another payment for something I already paid. This delay and negligence are unacceptable and may harm my credit. I am asking for this issue to be resolved immediately and for my account to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NH

Complaint narrative:
To Whom It May Concern, I am writing to follow up on a previous complaint I filed regarding identity theft and unauthorized access to my Experian account. While I appreciate that Experian has placed a security freeze and extended it to my credit file, my account is still erroneously linked to a fraudulent email and phone number. I am unable to regain access to my account, which continues to be a significant concern.

Despite multiple attempts to resolve this issue, I have called Experian 10-15 times and spent hours on hold, only to fail to reach a representative. This lack of responsiveness is alarming, especially considering the urgency of identity theft and fraud prevention. At this point, Experians handling of my case reflects poor responsiveness and inadequate support for customers facing these serious issues. It is extremely troubling that Experian does not have a more efficient mechanism in place to address and resolve identity theft situations in a timely manner. 

For clarity, my correct contact information is as follows : Email : XXXX Phone Number : XXXX I urge Experian to take immediate action to : Remove the fraudulent contact information from my account. 

Restore my access to the account. 

Ensure that my correct email and phone number are associated with my credit file and fraud alert. 

Provide written confirmation once these issues are resolved. 

It is essential that Experian fulfills its legal and ethical responsibilities to protect consumer data, especially in cases of identity theft. 

Thank you for your attention to this matter. I expect prompt action and will be monitoring this situation closely. 

Sincerely, 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 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
just noticed that your company is reporting the following account listed below on my credit report. Account numbers : XXXX, XXXX, XXXX, Please validate this debt. Please investigate and get back to me Fast. This letter is not a refusal to pay. However, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request validation from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : XXXX. Proof that you either own or were assigned the debt from the creditor. XXXX. Proof that you have the right to collect this debt in my state. XXXX. Proof that your company carries a bond. XXXX. Proof of how your company assessed the outstanding debt. XXXX. Payment history from the original creditor. XXXX. Name and address from the original creditor. XXXX. Copy of the original contract bearing my signature. XXXX. Chain of title on this debt. XXXX. Proof that you can collect this debt from me. XXXXDo you own or is this debt assigned? XXXXCopies of all letters sent to me from you and the original creditor regarding this debt. XXXXHow much did you buy the debt for? XXXXWhen was the last date a payment was made on this debt? XXXXWhat fees/interest was tacked onto the debt? XXXXHow were the fees determined? Thank you for your time and cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I previously disputed this XXXX XXXX XXXX  ( XXXX XXXX XXXX ) account as part of a set of certified letters sent in XX/XX/year>, consistent with my rights under the Fair Credit Reporting Act, including 623 ( a ) ( 8 ) and 611. 

While I no longer have the exact tracking receipt for this XXXX account, I can confirm that around the same time I mailed disputes to multiple furnishers, this account was removed from my credit report ( between XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

XXXX XXXX XXXX never responded or acknowledged my dispute in writing. The deletion appears reactive rather than procedural and constitutes failure to fulfill required FCRA duties. 

I am submitting this CFPB complaint to document the deletion, note the lack of communication, and prevent reinsertion of this tradeline without proper notice.

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