vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
I am disputing the following accounts on my Experian credit report that I believe contain inaccuracies. 

Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX ( formerly XXXX  ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX Account Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX Account Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00} Late Payments XXXX  Account Number : 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 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint due to multiple data breaches that have compromised my personal information and directly affected my credit and identity.

My personal data including my name, Social Security number, address, and other identifying details was exposed in one or more known breaches connected to companies such as [ insert companies if known, e.g., XXXX, XXXX, XXXX XXXX, or others ]. Since these breaches occurred, I have experienced unauthorized credit inquiries, inaccurate accounts, and mixed personal information appearing on my credit reports.

Despite notifying the credit bureaus and affected companies, my concerns have not been adequately addressed. The bureaus continue to report false or unverifiable information in violation of : FCRA Section 602 ( A ) : Failure to maintain reasonable procedures to ensure maximum accuracy.

FCRA Section 611 : Failure to properly investigate disputes.

FCRA Section 623 ( a ) ( 3 ) : Failure of furnishers to correct or update inaccurate data.

These breaches and failures have caused emotional distress, damage to my credit, and hardship in obtaining housing and financing.

I have already filed an FTC Identity Theft Report and a police report documenting this issue.

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 2025-11-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I am the successor in interest and current occupant of the above-referenced property, which was inherited from the deceased borrower. I have made multiple good-faith efforts to assume responsibility for the mortgage and obtain account information necessary to resolve the delinquency. 

Despite submitting XXXX Notices of Error and Requests for Information ( XXXX XXXX under 12 CFR 1024.35 and 1024.36, provided XXXX and XX/XX/year>, the servicer has failed to provide a payoff statement, all account history/mortgage statement, or written response. 
Instead, the servicer only provided an assumption packet, tax, and ID request forms, but no payoff documentation. 

I have now submitted the assumption application packet dated XX/XX/year> to prevent file closure, as the servicer stated that failure to submit by the XXXX of this month would result in file closure even though the payoff request and successor verification are still unresolved. 

This situation is time-sensitive because : Foreclosure is currently paused but could resume if the file is closed. I requested this in writing as well on XX/XX/XXXX and XXXX, XXXX. 

I have significant equity in the property, which I am trying to protect through payoff, modification options or refinance. 

The servicers failure to respond after XXXX XXXX  appears to violate Regulation X obligations under : 12 CFR 1024.30 ( d ) ( Successor in Interest treatment ), 12 CFR 1024.35 ( e ) ( Failure to respond to a Notice of Error ), and 12 CFR 1024.36 ( d ) ( Failure to provide payoff statement within 7 business days ). 

Requested CFPB Action : I request that the CFPB : Require the servicer to immediately produce the payoff statement and account information. 

Confirm that the servicer can not close my assumption file or resume foreclosure while my successor and payoff review remain pending and provide this summarization in writing within the next five days as allowed by law. 

Ensure the servicer provides written compliance acknowledgment consistent with Regulation X.

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 2025-11-12 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: NY

Complaint narrative:
This complaint concerns inaccurate and inconsistent reporting of a XXXX XXXX charge-off account across all three major credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 

The account was opened in XX/XX/XXXX and charged off in XXXX. Although closed, XXXX continues to furnish conflicting and outdated data to the bureaus : TransUnion ( see attached TransUnionDiscover.png ) : lists the account as >Charge-off< with a last payment date of XX/XX/XXXX, closed XX/XX/XXXX, but still showing Date Updated XX/XX/XXXX. 
XXXX  ( see attached XXXX.pdf ) : lists a Date of First Delinquency XX/XX/XXXX, yet also shows Date Reported XX/XX/XXXX. 
XXXX  ( see attached XXXX ) : reports Account charged off {$2400.00} past due as of XX/XX/XXXX. 

These dates are inconsistent across bureaus, and XXXX has continued furnishing updates long after the account was closed and charged off, violating the requirement of maximum possible accuracy ( 607 ( b ) ). Because the Date of First Delinquency is XX/XX/XXXX, the account is also approaching the FCRA 605 ( a ) ( 5 ) seven-year reporting limit, making continued updates misleading and detrimental. 

This account has already been the subject of prior disputes and was verified without correction. Re-reporting it with conflicting data after prior disputes constitutes continued furnishing of inaccurate information in violation of 623 ( a ) ( 1 ) ( A ).

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 2025-11-12 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: NY

Complaint narrative:
This complaint concerns inaccurate and inconsistent reporting of a XXXX XXXX  charge-off account across all three major credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

The account was opened in XX/XX/XXXX and charged off in XXXX. Although closed, XXXX continues to furnish conflicting and outdated data to the bureaus : XXXX ( see attached XXXX.png ) : lists the account as >Charge-off< with a last payment date of XX/XX/XXXX, closed XX/XX/XXXX, but still showing Date Updated XX/XX/XXXX. 
XXXX  ( see attached XXXX.pdf ) : lists a Date of First Delinquency XX/XX/XXXX, yet also shows Date Reported XX/XX/XXXX. 
Experian ( see attached ExperianXXXX ) : reports Account charged off {$2400.00} past due as of XX/XX/XXXX. 

These dates are inconsistent across bureaus, and XXXX has continued furnishing updates long after the account was closed and charged off, violating the requirement of maximum possible accuracy ( 607 ( b ) ). Because the Date of First Delinquency is XX/XX/XXXX, the account is also approaching the FCRA 605 ( a ) ( 5 ) seven-year reporting limit, making continued updates misleading and detrimental.

This account has already been the subject of prior disputes and was verified without correction. Re-reporting it with conflicting data after prior disputes constitutes continued furnishing of inaccurate information in violation of 623 ( a ) ( 1 ) ( A ).

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are late payment entries on my credit report that I believe are incorrect. Pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my credit report must include only information that is accurate, complete, and verifiable. I am requesting that these late payment records be reviewed and verified, and if they can not be substantiated, that they be updated or removed accordingly.

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 2025-11-12 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: DE

Complaint narrative:
I am disputing the information reported by Experian as it contains inaccuracies that I believe need to be addressed. Please review the details below and ensure that the data is corrected in accordance with the FCRA. 

Charged Off : XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$140.00} ( Please investigate and ensure accurate reporting. ) Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX I Date : XX/XX/XXXX ( Please review for accuracy and appropriate inquiry removal if necessary. ) Positive : No positive accounts listed for dispute. 

Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ( Please verify and correct any discrepancies. )

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 2025-11-12 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-12 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: SC

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX XXXX XXXX for failure to validate a debt under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I sent a written request for debt validation via certified mail. XXXX XXXX responded only with a bill listing my name and amount owed, but no original contract, itemized charges, or proof of ownership of the debt as required by law. 

I then sent a second follow-up validation letter on XX/XX/year>, which was returned to me as Not able to deliver and never signed for. Despite failing to validate, XXXX XXXX continues to report this account to Experian and Experian lists the account as verified, even though no proper verification was provided. 

This violates FDCPA Section 809 ( b ) ( failure to cease collection without validation ) and FCRA Section 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate or unverifiable information ). 

I am requesting the CFPB to investigate XXXX XXXX XXXX for improper reporting and noncompliance with federal law, and to have this unverifiable collection account removed from all credit bureaus until full documentation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
Dear Sir/Madam, I am filing a dispute regarding several inaccuracies I have discovered on my credit report. The following accounts are being disputed based on the information provided by the credit bureaus : CHARGED OFF : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} INQUIRIES : XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  Date Opened : 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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: IA

Complaint narrative:
This is for the money stolen from me on XXXX. specifically the XXXXXXXX XXXX XXXX XXXX XXXX app. it's a scam full of bots. not real people and they stealing money from all the customers. it's a romance scam.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-11-12 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: TN

Complaint narrative:
XXXX agreed to close account termintate the current payment plan and provide a settlement offer The company has accesed fees and intrest in the amt of XXXX dollars and have not provided a settlement offer as agreed upon to be done with the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX  for ongoing inaccurate and inconsistent reporting across all three credit bureaus in violation of FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ). Each bureau reports different, conflicting data regarding this account, proving that it is not being maintained or verified with maximum possible accuracy as required by law.

TransUnion reports this account as a charge-off for {$990.00}, last updated XX/XX/XXXX, with remarks showing previously disputed. The account shows opened XX/XX/XXXX and closed XX/XX/XXXX. This bureaus version implies a recent update, which is misleading given the original delinquency occurred years prior.

Equifax lists the same account as a charge-off for {$990.00} but shows a Date of First Delinquency of XX/XX/XXXX and a different Date Reported of XX/XX/XXXX. It also flags consumer disputes this information, despite there being no active dispute since XXXX. These remarks and date conflicts demonstrate XXXX failure to update or synchronize reporting accurately.

Experian again reports the account as charged off but with yet another last update date of XX/XX/XXXX and differing balance usage percentages. The status and timeline do not match either of the other two bureaus, making it impossible to determine what dataif anyis verified.

Collectively, these reports contradict each other and demonstrate that the bureaus are continuing to publish outdated and unverified information. Additionally, the recurring updates to an account with an original delinquency from XXXX constitute re-aging, violating FCRA 605 ( a ) ( 5 ). The inclusion of conflicting dispute remarks further misrepresents my credit history and causes continued harm to my file integrity.

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
have ssdi XXXX benefits from att comcast verizon frontier XXXX cellular XXXX XXXX microcenter XXXX XXXX treasury bonds XXXX XXXX XXXX XXXX kelwyn sellers XXXX XXXX XXXX XXXX stolen fraud scams identity theft of bonds stocks retirement work mony checking from XXXX zelle had contracts wth companies unauthorized use usery XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
These accounts are unrelated to me ; they must be cleared within XXXX  days as required by USC 1681g.

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 2025-11-12 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:
Make sure that all disputed accounts are resolved and eliminated within the specified timeframe.

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