vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : False Late Payment Reported for XX/XX/year> After Loan Modification Violation of Fair Credit Reporting and Servicing Standards Complaint Details : I am filing this complaint against XXXX XXXX XXXX for false credit reporting and mishandling of my mortgage account following a loan modification. 

On XX/XX/year>, I signed a loan modification agreement with XXXX  Which was signed and accepted by XXXX On XXXX XXXX. The agreement clearly states : Borrower promises to pay the new principal balance plus interest to the order of lender. Interest will be charged on the new principal balance at the yearly rate of XXXX %, from XX/XX/year>. Borrower promises to make monthly payments of principal and interest of XXXX {$2000.00} beginning on the XXXX day of XX/XX/year>. 

This means : No mortgage payment was due for XX/XX/year> the first modified payment is due XX/XX/year>. 

Interest that would have accrued for XXXX was included in the modified principal balance and is now part of the restructured loan. 

The XXXX lead time between modification execution and first payment due ( as standard in mortgage servicing and required by Regulation X ) was also observed. 

Despite these facts, XXXX improperly reported a late payment for XX/XX/year> to the credit bureaus. This is incorrect and damaging : I was not contractually obligated to make a payment in XXXX. 

There was no missed or late payment, as the new repayment schedule was clearly defined to begin in XXXX. 

This inaccurate reporting has harmed my credit standing, which may affect my ability to qualify for future credit. 

I contacted XXXX to dispute this report, but they have not taken corrective action. 

I am requesting that the CFPB : XXXX XXXX for improper credit reporting. 

Require them to correct the false XX/XX/year> late payment with all credit bureaus. 

Provide written confirmation of the correction. 

Review XXXX 's internal procedures for compliance with mortgage servicing and Fair Credit Reporting Act ( FCRA ) regulations. 

I have provided a copy of the signed loan modification agreement and all related other supporting documents needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : False Late Payment Reported for XX/XX/year> After Loan Modification Violation of Fair Credit Reporting and Servicing Standards Complaint Details : I am filing this complaint against XXXX XXXX XXXX for false credit reporting and mishandling of my mortgage account following a loan modification. 

On XX/XX/year>, I signed a loan modification agreement with XXXX  Which was signed and accepted by XXXX On XXXX XXXX. The agreement clearly states : XXXX promises to pay the new principal balance plus interest to the order of lender. Interest will be charged on the new principal balance at the yearly rate of XXXX  %, from XX/XX/year>. XXXX promises to make monthly payments of principal and interest of XXXX {$2000.00} beginning on the XXXX day of XX/XX/year>. 

This means : No mortgage payment was due for XX/XX/year> the first modified payment is due XX/XX/year>. 

Interest that would have accrued for XXXX was included in the modified principal balance and is now part of the restructured loan. 

The XXXX lead time between modification execution and first payment due ( as standard in mortgage servicing and required by Regulation X ) was also observed. 

Despite these facts, XXXX improperly reported a late payment for XX/XX/year> to the credit bureaus. This is incorrect and damaging : I was not contractually obligated to make a payment in XXXX. 

There was no missed or late payment, as the new repayment schedule was clearly defined to begin in XXXX. 

This inaccurate reporting has harmed my credit standing, which may affect my ability to qualify for future credit. 

I contacted XXXX to dispute this report, but they have not taken corrective action. 

I am requesting that the CFPB : Investigate XXXX for improper credit reporting. 

Require them to correct the false XX/XX/year> late payment with all credit bureaus. 

Provide written confirmation of the correction. 

Review XXXX 's internal procedures for compliance with mortgage servicing and Fair Credit Reporting Act ( FCRA ) regulations. 

I have provided a copy of the signed loan modification agreement and all related other supporting documents needed.

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 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I am disputing a debt being reported by Credence Resource Management for {$210.00}, allegedly owed to XXXX XXXX. I do not recognize this account and was never notified about this debt until I saw it on my credit report. No documentation has been provided to verify the validity, age, or ownership of this debt. 

Additionally, the account is dated from XXXX, making it questionable under Arizonas statute of limitations for utility debt, and no activity has occurred since then. This reporting is harming my credit unfairly, and I request that the account be removed immediately due to lack of verification and outdated status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: Ava Finance, Inc
State: FL

Complaint narrative:
I contacted AVA XXXX XXXX XXXX company to let them know that my tradeline with them was not on my XXXX  credit report. They told me that they were not aware that the tradeline wasn't reporting to XXXX  so, they said they would get in touch with the credit reporting department. At another day and time AVA got back with me and said they were not able to add the tradeline due to there being a block on my XXXX  credit report. AVA told me I need to contact XXXX  to have it removed. Next I called XXXX  and explained my issue, XXXX  said I have a block ( s ) on my credit report and in order to remove so AVA can report the tradeline I would need to send a short letter or cover letter stating I would like for any and all blocks to be removed from my XXXX credit report and in addition include a copy of my driver 's license and social security card. Once received they will remove the block ( s ). I did just that the same day and mailed it off. 
Weeks passed by and I hadn't heard back from XXXX  so I sent another cover letter asking for them to remove the block ( s ) with another copy of my driver 's license and social security card. XXXX  till this date of XX/XX/scrub>/25 have not complied and removed the blocks and AVA stopped communicating with me regarding reporting the tradeline to XXXX. I'm submitting a complaint on both of them because, I have done everything they have asked and more but, there's still no resolution and my AVA tradeline is still not reporting on my XXXX  credit report. I'm tired of going back and forth with XXXX  and AVA. Why can't they just simply report the AVA tradeline to my XXXX  credit report and why can XXXX  just simply remove any blocks which may be preventing them from doing so after I have sent what they have asked of me twice. I've included and attached some of the emails and letters that went back and forth to no avail. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: PA

Complaint narrative:
This morning, I was shocked to see an unauthorized inquiry appear on my credit report, and I have no explanation for it. I checked my report as usual, but suddenly, there were unexpected discrepancies. I refreshed my browser thinking it might be a glitch, but the inquiry stayed. I am very frustrated and insist that the documents Ive submitted be thoroughly reviewed immediately so I can stop worrying about this.

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 2025-06-20 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is th
e result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXX/XX/2017, Balance : {$4100.00}

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 2025-06-20 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: Nelnet, Inc.
State: NC

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of XXXX  ; My personal and financial information was improperly accessed and shared without my authorization my privacy rights under federal law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; The entity responsible for safeguarding my data. After you use that templatizing my financial security at risk. And unauthorized disclosure to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: OR

Complaint narrative:
Im filing this complaint against XXXX XXXX regarding inaccurate and unresolved reporting on my credit related to an account I previously disputed. Despite multiple attempts to resolve this in good faith, I was treated unprofessionally and denied any meaningful help. 

I am a XXXX XXXX XXXX veteran who experienced a verified delay in payments from the XXXX XXXX XXXX XXXX I submitted documentation showing the XXXX  later corrected their error and issued {$27000.00} in backpaywhich caused the temporary non-payment across multiple accounts. 

In my call with XXXX from the XXXX XXXX XXXX XXXX, she was unprofessional, dismissive, and ultimately said nothing is changing. She initially claimed XXXX XXXX was not in violation of FCRA Sections 609 or 623, then later denied saying that at all during the same call. 

XXXX XXXX still has not provided debt validation in compliance with FCRA 609 ( a ) ( 1 ). Additionally, I was verbally told by a prior representative that my account would not be charged off during the XXXX  hardship, and now the bank is denying that any such statement was ever made. 

This has significantly damaged my credit, making it impossible to move forward with buying a home for my family. Meanwhile, other creditors including XXXX XXXX and XXXX XXXX have already honored the same documentation and removed their negative items after reviewing the hardship. 

I have documentation of the XXXX  delay, my backpay letter, and screenshots showing cooperation from other lenders. Im simply asking for fairness, accuracy, and compassion in line with FCRA and the Equal Credit Opportunity Act. I am also willing to work toward a full resolution, including paying the debt if XXXX XXXX agrees to remove the negative tradeline.

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 2025-06-20 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$31000.00} SXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX AND XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$6700.00} INQUIRIES XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ALLY XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/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 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 2025-06-20 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: CA

Complaint narrative:
I am formally disputing inaccurate, undocumented, and unverified information reported in my credit file. You are reporting derogatory and delinquent data without factual proof, which violates both the Fair Credit Reporting Act ( FCRA, 15 USC 1681 ) and Metro 2 data reporting standards. Your failure to maintain complete and accurate records shows willful non-compliance. I demand that you immediately furnish physical, verifiable evidence that proves the lawful existence and usage of these accounts. Unsupported claims will not be tolerated. If you can not provide full documentation, you must DELETE these accounts from my credit file entirely. 

Your continued reporting of false, incomplete, or unverifiable data constitutes a reckless disregard of your legal duties. I remind you that any failure to process my disputes properly will be seen as intentional negligence. I confirm that any letters bearing my name were written with my full knowledge and authorization. No Power of Attorney is required to validate my requests under federal law. 

I expect you to process this dispute immediately. Mail all physical evidence and provide an updated copy of my credit report reflecting the corrected information. 

Personal Information Being Disputed Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Incorrect Name : XXXX XXXX XXXX Employer : XXXX XXXX Employer : XXXX Collections Being Disputed XXXX - XXXX XXXX - XXXX Inquiries Being Disputed XXXX - XXXX XXXX XXXX  - XXXX XXXX - XXXX You are legally obligated to conduct a full investigation and provide written proof. Anything short of full compliance will result in further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this formal dispute regarding the XXXXXXXX XXXX XXXXXXXX XXXX account ending in XXXX XXXXXXXX, as the information reporting is factually inaccurate and in violation of federal law. This account is reporting a charge-off with a balance of {$3300.00}, which is unlawful under Metro 2 guidelines and FCRA 623 ( a ) ( 2 ). When a creditor charges off a debt, they are required to either report a XXXX balance or issue an IRS Form XXXX if the debt has been forgiven or written off I have never received a XXXX for this account. Additionally, the account continues to update as charged-off with an open balance under a closed status, which violates the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ) for accuracy and 611 ( a ) ( 5 ), which requires deletion when information is not corrected. This is not a repeat dispute newly reported inaccuracies and updated notations have appeared since my last dispute, triggering my right to refile due to this new inaccurate and incorrect reporting on my Equifax credit report ( Confirmation XXXX XXXXXXXX, Date : XX/XX/year> ). I am also reporting this account to the Federal Trade Commission ( FTC ) and reserve my right under 15 U.S.C. 1681n to take legal action for continued inaccurate reporting and failure to correct or delete. I demand immediate correction to reflect a {$0.00} balance or full deletion of this account.

Company response to consumer: Closed with non-monetary relief