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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a formal complaint regarding an account reported by XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Account ending in XXXX XXXXXXXX ), which Equifax continues to report despite multiple disputes. 
I never received or signed any agreement with XXXX XXXXe for this account. I have repeatedly requested verification of ownership, including a copy of any contract bearing my signature, billing statements, or application, and none has been provided. Despite this, Equifax states the account was " verified, '' without providing proof of liability or evidence I authorized this account. 
Additionally, the reporting contains numerous inconsistencies in violation of the Fair Credit Reporting Act ( FCRA ) : The date of last payment is listed as XX/XX/XXXX, but charge-off reporting starts XX/XX/XXXX and continues every month through XXXX suggesting possible illegal re-aging of the debt ( FCRA 623 ( a ) ( 5 ) ).

The account is marked as disputed month after month, even after the investigation allegedly concluded. This is misleading and violates FCRA 607 ( b ), which requires credit information to be complete and up to date. 
Equifaxs reinvestigation response fails to satisfy FCRA 611, which requires a reasonable investigation. They did not include any documentation or evidence in support of their conclusion that the account is accurate.

I believe this account may be fraudulent or opened without my authorization. If XXXX XXXX or Equifax can not produce valid documentation, including a signed agreement, this entry must be immediately deleted from my credit file.

I am requesting the CFPB compel Equifax and XXXX XXXX  to provide full documentation or remove the entry.

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: 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: IL

Complaint narrative:
Under the 15 USC 1681i ( A ) ( 5 ) I demand the immediate investigation and deletion of all inaccurate, out dated, or unverified accounts listed : XXXX XXXX XXXX, Accounts 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX, am a documented and verified victim of identity theft. I submitted my official FTC Identity Theft Report XXXX XXXXXXXX along with a notarized affidavit and supporting documents. Despite this, Equifax has blatantly and willfully refused to comply with multiple federal laws under the FCRA. 

They are still reporting fraudulent names, addresses, employers, and multiple unauthorized accounts, even after receiving full proof of identity theft. 

1681g Right to Access : I was denied access to my credit report and blocked from the online portal. 

1681c-2 Failure to Block Identity Theft Data : XXXX  failed to block data within 4 business days after I submitted my FTC report XXXX 

1681e ( b ) Reporting False Information : XXXX  continues to report false, fraudulent, and unverifiable accounts. 

1681i Reinvestigation Failure : No proper reinvestigation has been conducted ; I received no written results.

1681n & 1681o Civil Liability : Their willful and negligent disregard of federal law makes them legally liable.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX TransUnion

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: 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: DC

Complaint narrative:
I am writing to dispute the accuracy of the information being reported on my credit file. After reviewing my credit report, I have determined that the information being reported is not in compliance with the Metro 2 guidelines. As a result, I am requesting that you delete all references to this account/information from my credit file. I believe that the reporting is inaccurate and not in accordance with the industry standards. I request that you investigate this dispute and take immediate action to correct the errors and delete the non-compliant information from my credit file. I would appreciate it if you could provide me with written confirmation of the deletion once it has been completed

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 
This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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: 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:
XXXX Bank XXXX XXXX XXXX ( XXXX ) What happened : I am disputing a debt reported by both XXXX Bank and XXXX XXXX XXXX ( XXXX ). These XXXX companies are reporting what appears to be the same debt, but with completely different balances and account information. XXXX Bank reports that I owe approximately {$900.00}, while XXXX XXXX XXXX claims I owe around {$1800.00} more than double. 



I sent a certified debt validation letter to XXXX on XX/XX/year>. They received it but have not properly validated the debt. They replied demanding more personal information, despite already having my name, address, and identifying details ( as evidenced by their ability to report it to the credit bureaus ). This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 



I never agreed to or signed a contract with XXXX XXXX XXXX. If they claim to have purchased or are collecting on behalf of XXXX XXXX, they have failed to produce any proof of ownership, original contract, or itemized breakdown of how the balance jumped from {$900.00} to {$1800.00}. 



Both companies are currently furnishing this debt on my credit reports and causing ongoing damage. Reporting conflicting balances, failing to validate the debt, and continuing collection efforts violate XXXX XXXX. XXXX ( b ) of the FDCPA and FCRA Section XXXX ( a ). 



Supporting Documents Provided : Certified mail receipt ( dated XX/XX/year> ) Debt validation letter sent to XXXX Credit report screenshots showing both XXXX and XXXX listings XXXX weak response letter demanding redundant information Requested Resolution : Immediately delete the account from all credit bureaus Cease all collection and reporting activity Provide full debt validation, including original contract and accounting Investigate the duplicate reporting and balance discrepancies Penalize furnishers for violating the FDCPA and FCRA

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:
XXXX Bank XXXX XXXX XXXX ( XXXX ) What happened : I am disputing a debt reported by both XXXX Bank and XXXX XXXX XXXX ( XXXX ). These XXXX companies are reporting what appears to be the same debt, but with completely different balances and account information. XXXX Bank reports that I owe approximately {$900.00}, while XXXX XXXX XXXX claims I owe around {$1800.00} more than double. 



I sent a certified debt validation letter to XXXX on XX/XX/year>. They received it but have not properly validated the debt. They replied demanding more personal information, despite already having my name, address, and identifying details ( as evidenced by their ability to report it to the credit bureaus ). This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 



I never agreed to or signed a contract with XXXX XXXX XXXX. If they claim to have purchased or are collecting on behalf of XXXX XXXX, they have failed to produce any proof of ownership, original contract, or itemized breakdown of how the balance jumped from {$900.00} to {$1800.00}. 



Both companies are currently furnishing this debt on my credit reports and causing ongoing damage. Reporting conflicting balances, failing to validate the debt, and continuing collection efforts violate XXXX XXXX. XXXX ( b ) of the FDCPA and FCRA Section XXXX ( a ). 



Supporting Documents Provided : Certified mail receipt ( dated XX/XX/year> ) Debt validation letter sent to XXXX Credit report screenshots showing both XXXX and XXXX listings XXXX weak response letter demanding redundant information Requested Resolution : Immediately delete the account from all credit bureaus Cease all collection and reporting activity Provide full debt validation, including original contract and accounting Investigate the duplicate reporting and balance discrepancies Penalize furnishers for violating the FDCPA and FCRA

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 2025-07-14 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$6000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 2025-07-13 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: Experian Information Solutions Inc.

Complaint narrative:
I am writing because of dispute regardining the unlawful activities done to mu account maintained by EQUIFAX TRANSUNION and EXPERIAN ... let dem know since dey BOUGHT dis DEBT from original creditor ' dey are NOW Unda arbitration agreement ( which is on company 's website and XXXX  ) in da original creditors agreement. I am Aware dat da initiation of arbitration will cost thousands although dey purchased debt for pennies on XXXX XXXX XXXX  so I am allowing for dis matter to be settled amicably by dem paying I {$20000.00} for da XXXX XXXX and hardships da unlawful credit reporting has induced to I .. or unlawful activities be deleted from all reporting .. the ignition of arbitration is XXXX {$3000.00}. 

Include all cost for solutions in da letter. Basically arbitration costs fees deposits and initiation costs and extra fees. 

Include da letter dat XXXX says it will be handled by dem but it will cost XXXX XXXX XXXX or we could settle accounts beings removed from report and pay for damages incurred .. collections also and all closed accounts removed USC1692c ( c ).. I demand all illegal activities be ceased and desist XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX Equifax XXXX XXXX XXXX XXXX, Georgia XXXX Dear, Equfax I am informing you dat collections and all other unlawful negativity on mu account shall be removed especially anything ova 3 years dat i definitively had no partake in .. da debt is yalls debt dat yall bought for a XXXXXXXX XXXX arbitration is unlawful .. I am Aware of arbitration .. a payment of XXXX or removal decease or desist of activities account are only options Transunion LLC Dispute center XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear XXXX Transunion I am informing you dat collections and all other unlawful negativity on mu account shall be removed especially anything ova 3 years dat i definitively had no partake in .. da debt is yalls debt dat yall bought for a XXXXXXXX XXXX arbitration is unlawful .. I am Aware of arbitration .. a payment of XXXX or removal decease or desist of activities account are only options Experian XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian I am informing you dat collections and all other unlawful negativity on mu account shall be removed especially anything ova 3 years dat i definitively had no partake in .. da debt is yalls debt dat yall bought for a XXXXXXXX XXXX arbitration is unlawful .. I am Aware of arbitration .. a payment of XXXX or removal decease or desist of activities account are only options

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: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Dear MrCooper Mortgage Company : My name is XXXX XXXX, and my loan number XXXX. In XXXX of XXXX I was notified that my mortgage payment was going to drop from XXXX to XXXX beginning in XXXX of XXXX. I am and have been on the auto pay, where the mortgage payment is automatically taken on a specific day each month. So, I was not worried about the correct amount coming out of my bank account each month. 

In XXXX of XXXX MrCooper incorrectly withdrew only XXXX from my bank account for the monthly mortgage payment, when they should have taken XXXX, because the new lower payment was not going to begin until XX/XX/XXXX. When I received a notification that I was late on my mortgage payment I immediately called MrCooper and paid the correct amount over the phone and tried to explain to them that I was not at fault for the incorrect amount being automatically withdrawn from my bank account for the mortgage. It was their fault for not taking the correct amount. I thought they would clear this up so that my FICO score would not drop. They did not clear this up and it has caused a negative impact on my credit. I have tried for months to get their mortgage department to correct this, and it has been very frustrating and stressful for me and my wife.

I need your mortgage company to fix this issue and fix my FICO score. If this is not resolved to my satisfaction, I am going to report this matter to the Consumer Protection Bureau.

Thank you for your prompt attention to this matter.

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: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
they just say because your personal information is reported by you, your creditors, and other sources, can not be disputed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was a victim of identity theft and I have court documents to prove it and police reports and creditors and credit bureaus refuse to remove the information.

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 — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I requested a copy of my rental screening report and they have not provided me with a copy of it

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 — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
On or before XXXX XXXX I received a letter in the mail stating that I was apart and won in a class action lawsuit against Lockhart Morris and Montgomery This debt amount was settled in a class action lawsuit case number XXXX where as part of the settlement any debt owe will be waived and cancel but this debt is still showing up on my credit report hindering my credit score and I would request that this debt be moved immediately as I'm not responsible for the debt in question in the amount of XXXX

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> TransUnion

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: 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : DP OF EDUC XXXX XXXXXXXX XXXX XXXX  - Date Opened XX/XX/year>

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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am disappointed that my information has been compromised by identity theft.I am trying to buy a house for me and my family and this has put a series hole on the process. By the FCRA 15 USC 1681G my information should be safe and secure and I see that it is not. My information has also been in a breach. According to section 605B of the fair credit reporting act requires consumer reporting agencies to block fraudulent information on a consumer credit report if the consumer claim it was result of identity theft credit reporting agencies must block information within four business days of receiving the information.

Company response to consumer: Closed with explanation