vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I am filing this complaint to report multiple inaccurate and misleading entries on my credit report, which are negatively affecting my creditworthiness. Despite my good-faith efforts to maintain my financial standing, I have identified several issues : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$630.00} 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 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 XX/XX/XXXX XXXX XXXX XXXX XX/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 2025-09-09 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: MS

Complaint narrative:
I am formally invoking my rights under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c-2 ), as a documented victim of identity theft and the XXXX  data breach. This federal statute requires credit reporting agencies to promptly block and delete any information resulting from identity theft upon receiving proper notification. I am now exercising that right and demanding full compliance. The presence of fraudulent data on my credit report is not only unlawfulit is deeply damaging. I am currently in the process of purchasing a home, and this unresolved issue has triggered severe emotional distress, including XXXX  and XXXX. The psychological toll is real and escalating, and I will not tolerate further delays. You are hereby instructed to remove all fraudulent items from my credit report within four ( 4 ) calendar days. Failure to act within this timeframe constitutes noncompliance with federal law and further exacerbates the harm already inflicted. Such negligence undermines the integrity of the credit reporting system and violates the protections afforded to victims like myself. I expect your full cooperation and a written confirmation once the deletions have been completed. Should you require additional documentation, I am prepared to provide it immediately. 

XXXX XXXX Date of inquiry : XX/XX/year> XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX This is not a requestit is a legal demand. I trust you will treat it with the urgency and seriousness it warrants.

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 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XXXX, I made payments with my debit card linked to my checking account at [ XXXX XXXX ] to a company called XXXX XXXX XXXX XXXX ( also known as XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. ). 

At that time, I trusted the companys representations. However, the fraudulent nature of this company only became clear after regulators and victims began reporting it publicly, which is why I could not file a timely dispute with my bank at the time of the transactions. 

When I contacted my bank in XXXX to request help, I was told that the transactions were too old and that they could not provide assistance. 

I have already reported this case to the FTC, CFTC, and FBI, but I believe my bank should still be required to review the case and provide consumer protections, especially since this was a clear case of fraud and consumer deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Between the months of XXXX to XX/XX/year> Mr cooper, my mortgage lender had attempted to charge my closed bank account XXXX times without my knowledge or concent. I was charged a {$29.00} fee per each individual attempt totaling approximately {$5000.00}. Mr cooper is currently using these fees to foreclose on my home which they never notified me was currently in foreclose status. I contacted them regarding this matter and they waived one {$29.00} dollar fee, they stated that is all our contract allows them to waive over the course of the loan term. I was then directed to contact an attorney if I wanted a different resolution.

I am currently behind on the mortgage due to an unforseen hardship. I had five immediate family members die within months of each other in my home town of XXXX north Carolina. I was out of state dealing with the funerals and all other death associated matters at the time mr cooper was doing this. Mr cooper was made aware of this hardship in XXXX. My lender has taken advantage of this extreme hardship and is close to taking my home away from me over junk fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am formally disputing the accuracy of the referenced account being reported on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand an immediate investigation After reviewing my credit report and the creditors own Consumer Financial Protection Bureau ( CFPB ) response, I have identified multiple inaccuracies : 1. * * Incorrect Balance Reporting * * My credit report shows a fixed balance of {$1000.00}. However, the creditors own records show multiple differing balances ( {$1000.00}, {$1000.00}, {$1000.00}, {$1100.00}, {$860.00}, {$920.00}, etc. ). This is inconsistent and violates FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate reporting.

2. * * Wrong Account Type * * The tradeline is listed as an Open Account / Factoring Company Account. This account originated as a XXXX XXXX revolving credit card ( XXXX XXXX XXXX ). Reporting it as a factoring company account is materially false and misleading. 

XXXX. * * Wrong Date Opened * * My credit report lists the date opened as XX/XX/XXXX, which is when LVNV purchased the debt. The creditors own records confirm the account was actually originated on XX/XX/XXXX and charged off on XX/XX/XXXX. This misreporting improperly re-ages the debt in violation of FCRA 605 ( c ).

4. * * Ownership Not Verified * * The creditor refused to provide a purchase and sale agreement proving LVNVs legal ownership of the alleged debt. Without this proof, the tradeline is unverifiable and must be deleted under FCRA 611 ( a ) ( 5 ).

5. * * Conflicting Status Information * * The account is reported as both Collection and an Open Individual Account. This creates confusion, double-penalizes my score, and is inaccurate.

Because these inaccuracies violate the FCRAs requirement of maximum possible accuracy ( 607 ( b ) ), I am requesting that this account be * * immediately deleted * * from my credit report. If the furnisher can not provide legally sufficient verification, the credit bureaus must remove the account under 611 ( a ) ( 5 ).

Please complete your reinvestigation within 30 days, as required by law, and provide me with a written response. If this inaccurate reporting is not corrected, I will escalate this matter to the CFPB and consider further legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at TXXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXions account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-09-09 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: MS

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. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$5400.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$18000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$4600.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$530.00} UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-09-09 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: CA

Complaint narrative:
XXXXGood day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance: $XXXX XXXXBalance:XXXX XXXX XXXX XXXX  (Original Creditor: 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 XXXXEXPERIAN XXXX CRED 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXX  XXXX Account number XXXX Balance {$290.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$0.00} Date opened XX/XX/XXXX Please correct/update this inco

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am filing this complaint because XXXX  and Self Financial , Inc. are knowingly reporting false information about my Self XXXX XXXX XXXX account, in violation of the Fair Credit Reporting Act ( FCRA ). 

I paid this account in full on XX/XX/scrub> 2024 ( see attached Self Financial billing statement ). Despite this clear proof of payment, XXXX  continues to report the account as past due beginning XX/XX/year>2024 and onward. This means XXXX  and Self have knowingly allowed my account to show as delinquent for over a year after it was paid in full. 

I previously disputed this account with XXXX  and through the CFPB in XX/XX/year>, yet XXXX  failed to correct the error and Self continued furnishing inaccurate data. This is a willful violation of the FCRA that has suppressed my credit score and harmed my ability to secure housing and credit.

Violations include : 607 ( b ) : XXXX  failed to ensure maximum possible accuracy by reporting a paid account as past due.

611 ( a ) : XXXX  failed to conduct a reasonable reinvestigation after my XXXX  2024 disputes.

623 ( a ) ( 1 ) ( A ) : Self knowingly furnished false information after payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management , Inc . 
XXXX XXXX De La XXXX, XXXX XXXX XXXX XXXX, CA XXXX Nature of Complaint : Debt collection / credit reporting Details of the Complaint : I have repeatedly disputed an alleged debt XXXX claims is owed to Capital XXXX, XXXX. This is not my debt. Despite my disputes and demands that XXXX cease contacting me and stop reporting this debt, they persist in sending collection offers ( see attached letter dated [ insert date ] ) and continue to furnish this account to the credit reporting agencies. 
This conduct violates : FDCPA ( 15 U.S.C. 1692g ( b ) ) Continuing collection efforts without providing proper validation after dispute.

FDCPA ( 15 U.S.C. 1692c ( c ) ) Continuing communications after I demanded they cease.

FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) Reporting a disputed debt without marking it as disputed. 
Midlands actions are causing ongoing harm to my credit reports and financial standing, preventing me from securing fair credit opportunities. 
Requested Relief : XXXX deletion of this alleged debt from all credit reporting agencies. 
XXXX of all collection efforts. 
Confirmation in writing that XXXX has complied. 
Investigation by CFPB into XXXX pattern of violations. 
Attachments : Midland Credit Management letter ( Exhibit A ) Copies of prior dispute letters sent to XXXX ( if available ) Recent credit report showing XXXX continued reporting ( if available )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am disputing the collection account being reported by Portfolio Recovery for XXXX XXXX XXXX. 

Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I am requesting proper validation of this debt. To date, I have not received documentation proving that this debt is valid, accurate, or legally collectible. 

Specifically, I am requesting : Proof of ownership/assignment showing that Portfolio Recovery legally purchased or was assigned this account from XXXX XXXX XXXXXXXX XXXX 

Complete chain of title documenting all transfers of the account from the original creditor to the present collector. 

Itemized account statement from XXXX XXXX XXXX. showing original balance, payments, fees, and interest leading to the current {$570.00} balance. 

Evidence that this debt is within the statute of limitations and being reported in compliance with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ). 

Without this information, the account remains unvalidated. Continuing to report or collect on this account without proper validation violates the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am disputing unauthorized credit inquiries on my report. I did not apply for or authorize the following inquiries, and they should be removed under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Please investigate and delete these inquiries. Ive included a copy of my ID and proof of address. Send me written confirmation once this is resolved. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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