vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: AR

Complaint narrative:
I'm not not familiar with these collection companies. This debt has my credit profile the last few years. These are 3rd party individuals who are trying to collect on a debt and this company is not the original creditor. I consider all accounts fraudulent.

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 2025-06-28 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: KY

Complaint narrative:
I have multiple items on my credit profile that is reporting incorrectly each month and this is hurting my credit profile. This is violating my rights as a consumer.

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 2025-06-28 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: KY

Complaint narrative:
I have multiple items on my credit profile that is reporting incorrectly each month and this is hurting my credit profile. This is violating my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Subject : Inquiry Regarding Charge-off Accounts and 1099 Form Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to seek clarification regarding charge-off accounts that remain on my credit report, as well as my request for a 1099 form that I have not yet received.

I have noticed that a charge-off account is still reflected on my credit report, which I believe may not accurately represent my current financial situation. Additionally, I had submitted a request for a 1099 form concerning this account to aid in my tax reporting. However, I have yet to receive this document.

I kindly request your assistance in understanding the regulations surrounding charge-off accounts and the issuance of 1099 forms. Specifically, I would like to know : 1. What are the requirements for reporting charge-off accounts on credit reports?

2. How long can charge-off accounts remain on my credit report?

3. What steps should I take to resolve this issue and ensure the accuracy of my credit report?

4. Are there specific guidelines that institutions must follow when it comes to issuing 1099 forms for charge-off accounts?

Thank you for your attention to this matter. I appreciate your help in providing clarity on these issues, as it is important for me to understand my rights and how to move forward. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
I received three ( 3 ) separate bills from XXXX XXXX for the same date of service over the last few months ( since XXXX ). Each time, I sent them a letter telling them to bill my secondary health insurance carrier since my primary already paid. It seems like they ignored all of my letters and then sent me to collection. I'm not saying this is not my bill, I just want them to bill my secondary insurance. I checked and as of today, my secondary insurance has not been billed for this date of service. The amount of the bill is {$58.00} and I sent letters to XXXX XXXX about this bill on : XX/XX/, XX/XX/XXXX  and XX/XX/.

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 2025-06-28 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

I looked at my XXXX XXXX  Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 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 2025-06-28 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The business that I work for recently applied for business credit, and my personal information was provided solely for the purpose of verifying my identity in connection with the application process. These inquiries do not pertain to individual credit or personal borrowing activity, and I did not authorize these inquiries to be made on my personal credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
On XX/XX/year> a payment agreement was made to settle a XXXX XXXXXXXX XXXX XXXX debt with PORTFOLIO RECOVERY ASSOCIATES, LLS ( PRA ) with an attached payment schedule. 
I am currently using XXXX XXXX XXXX ( XXXX ) for debt consolidation and the first payment was sent on XX/XX/year>XXXX  and excepted by PRA. All payments that followed were sent in accordance to the payment schedule with out lapse of payment on my or XXXX 's behalf. On XX/XX/year> I received a court filing Case # XXXX with an attached swore statement dated XX/XX/year> which pre-dates the agreement signed and started but also pre-dated the filing of the law suit and the payment received. All payments except the first payment were rejected by pra and recently returned but the court filing has not been amended to reflect the payment received and retained by PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NJ

Complaint narrative:
To whom it may concern, I am writing to dispute the reporting of a 120-day late payment for my student loans. My mother has been dutifully paying the parent plus loans and we both believed those were the only student loans taken for my education. XXXX XXXX XXXX XXXX XXXX and this late payment has hit me in the worst time possible as it has destroyed my chances of owning a home just as i was planning to be a new homeowner. Im a hardworking citizen that was always on time with all payments before this. 


When I called XXXX XXXX and asked them why they were hitting me with these late payments even though my parent plus loan was being paid they told me i had another set of loans under my name for the same college. Me and my mother were both surprised because to our knowledge the parent plus loan was the only one. So I set up my XXXX XXXX  account and was able to get in and set up auto pay and the situation is now handled. 
This loan was previously under administrative forbearance during the federal student loan payment pause. I did not receive any communication, billing statements, or past-due notices from the loan servicer informing me that payments had been due, or that the loan was no longer deferred. Up until this error my Credit Report has shown current payment even in the month prior to the 90 Day Late Payment status, which directly contradicts the claim that I was 90 days delinquent in XX/XX/scrub>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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To whom it may concern, I am writing to dispute the reporting of a 120-day late payment for my student loans. My mother has been dutifully paying the parent plus loans and we both believed those were the only student loans taken for my education. XXXX XXXX XXXX XXXX XXXX and this late payment has hit me in the worst time possible as it has destroyed my chances of owning a home just as i was planning to be a new homeowner. Im a hardworking citizen that was always on time with all payments before this. 


When I called XXXX XXXX and asked them why they were hitting me with these late payments even though my parent plus loan was being paid they told me i had another set of loans under my name for the same college. Me and my mother were both surprised because to our knowledge the parent plus loan was the only one. So I set up my XXXX XXXX  account and was able to get in and set up auto pay and the situation is now handled. 
This loan was previously under administrative forbearance during the federal student loan payment pause. I did not receive any communication, billing statements, or past-due notices from the loan servicer informing me that payments had been due, or that the loan was no longer deferred. Up until this error my Credit Report has shown current payment even in the month prior to the 90 Day Late Payment status, which directly contradicts the claim that I was 90 days delinquent in XX/XX/scrub>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
The mortgage company gave us a second mortgage that doesnt allow us to refinance or do an IRRRL abd they doubled our interest rate and now we cant cant keep up with the payments that are now XXXX dollars higher than previously and added a second mortgage of XXXX without telling us and we just found out a few months ago when we tried to do a Irrrl that were aggressively pushing on us. 
I am a XXXX percent XXXX veteran with a va XXXX loan

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 2025-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
Overall disappointed with company information and services since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am formally disputing the reporting of an account listed under XXXX XXXX XXXX, Account Number : XXXX. This account is currently being reported as a charge-off in the amount of {$520.00} written off, with a past due balance of {$520.00} as of XX/XX/year>. 

I am requesting a thorough investigation into this account, as I believe the reporting may be inaccurate or incomplete. Please verify the validity and accuracy of this information with XXXX XXXX XXXX and update or remove the account as required under the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to 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 2025-06-28 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: IL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: CT

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 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: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. I have never been late on the account ( XXXX ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( XXXX ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$200.00}. Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust. ( XXXX ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers. Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. The inaccurate late payment entry be permanently removed from my credit report. My credit file be updated to reflect my accurate payment history. Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and removed.

Company response to consumer: Closed with non-monetary relief