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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this compliant against XXXX XXXX XXXX for the inaccurate and misleading reporting of a charged off account on my Equifax and TransUnion credit reports. This account was charged off in XXXX and has remained inactive since then. However, XXXX continues to update the account monthly through XXXX, making it appear active and delinquent. This causes ongoing credit score harm and constitutes false reporting. I formally requested a 1099-C form to verify whether the account was canceled or forgiven. XXXX responded in writing stating, " Account does not meet the requirements for a 1099-C. '' This confirms that the account is neither canceled nor being actively collected. Despite this, XXXX continues to update the tradeline. 
Furthermore, XXXX has already deleted this same XXXX account due to its incompleteness and unverifiable nature. Equifax and TransUnion are still reporting it, violating FCRA 607 ( b ) ( accuracy and completeness ), and XXXX 's continued furnishing of inaccurate data violates FCRA 623 ( a ) ( 1 ) ( A ). 
Requested Resolution : - Immediate and permanent deletion of this XXXX XXXX XXXX account from all credit bureaus. 
- Written confirmation from XXXX stating that all inaccurate and incomplete data has been removed. 
- Assurance that no further updates or furnishing of false information will occur. 
Supporting Evidence Attached : 1. Copy of XXXX 's letter dated XX/XX/XXXX, stating " account does not meet requirements for a 1099-C. '' 2. Screenshot of Equifax report showing continued monthly updates into XXXX. 
3. Record of XXXX XXXX  prior deletion for incomplete and unverifiable reporting. 
4. Copy of dispute letters sent to Equifax and TransUnion. 
Statement : I am requesting CFPB oversight to ensure XXXX XXXX XXXX corrects its unlawful credit reporting and permanently delete this account.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX XXXX  - XXXX XXXX  XXXX - XXXX INQUIRIES : XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX MORTGAGE - XX/XX/XXXX XXXX FCU - XX/XX/XXXX XXXX FCU - XX/XX/XXXX XXXX MORTGAGE - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  FIN - 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I obtained and fully repaid a small credit line through XXXX, serviced by XXXX Bank XXXX XXXX XXXX. The repayment was completed through automatic XXXX  on my payday from my XXXX  checking account by XXXX In XX/XX/XXXX, I received notice that Spring Oaks Capital , LLC was reporting a new collection account for this same debt to XXXX  and XXXX. Their reporting date shows XX/XX/XXXX. This account is nearly XXXX years old and had been paid in full. I immediately requested validation and original documentation from Spring Oaks Capital under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I asked for the signed agreement, a full itemized accounting of all debits, credits, payments, and fees, and proof that they had the legal right to collect or report the account ( confusing XXXX spreadsheet ) it looks like they advanced to themselves automatically because my XXXX Bank does not reflect any advances or withdraw payments and XXXX Bank purges records past 7 years. XXXX Bank XXXX XXXX XXXX said they sold to Spring Oaks Capital responded by email stating they had no further obligation to provide documentation. Documents from the original creditor show only internal finance charges and fees from XXXX to XXXX, with no new borrowing activity by me after XXXX this, Spring Oaks continues to furnish the collection to XXXX  and XXXX, damaging my credit profile. I currently have a XXXX credit score and was denied a recent loan because of this false collection. On XX/XX/XXXX I requested a dispute and validation of this account and was told they would dispute for me and I never heard back from them. I believe they treated me unfairly by trying to use a trust tactic.

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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX CARD - XXXX XXXX BANK - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX  FIN CU - XXXX XXXX BANK - XXXX INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX CO - XX/XX/XXXX GROUP XXXX XXXX XXXX XXXX  - XX/XX/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 2025-11-12 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: MA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA XXXX ( XXXX U.S. C. XXXX XXXX ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. These accounts are a credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX for {$31.00}. XXXX  XXXX opened on XX/XX/XXXX for {$500.00}. XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$690.00}. XXXX XXXX  opened XX/XX/XXXX for {$29.00}. XXXX opened XX/XX/XXXX for {$510.00}. All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer loans, and 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 2025-11-12 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: SC

Complaint narrative:
I dispute the following charged-off account and inquiries listed under my Experian credit report, as they contain inaccuracies that need to be addressed. 

Charged-Off Accounts : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} Inquiries : XXXX XXXX SAVINGS Date XXXX XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-11-12 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: AZ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
In XX/XX/year>, I received a notice from PHH Mortgage stating that my hazard insurance coverage may not be sufficient. My current policy already provides 100 % of the replacement cost value ( RCV ), which fully complies with XXXX  State law ( RCW 48.27.010, WAC 284-20-010 ) that prohibits coverage above replacement cost. 

Despite this, PHH implied I must increase coverage beyond the RCV, which conflicts with Fannie Mae ( XXXX ) and XXXX XXXX XXXX XXXX ) guidelinesboth state coverage can not exceed replacement cost. 

I have tried contacting PHH for over XXXX weeks requesting clarification and supporting details, but I have not received a clear responseonly repeated, intimidating letters implying noncompliance. 

I am asking the CFPB to review PHH Mortgages practices to ensure they are not pressuring borrowers in Washington to obtain unlawful or excessive insurance coverage.

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: PA

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit file. I believe there are errors regarding the charged-off status, inquiries, and late payment records, which need to be corrected. Please see the details for each bureau below : Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX  XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX XXXX 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 — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Clearview Resolution Services
State: NM

Complaint narrative:
Clear view resolution contacted several individuals besides myself before reaching out to myself left voice mails that were deceptive in nature implying that I was getting served legal papers not to my home address instead specifically stated they will take them to my place of employment. I contacted this company and advised them I do not know who the company was nor have they tried to contact me before leaving the deceptive voicemails the representative confirmed that their company has made no attempt previously to contact me via mail email or calls before now I have this conversation recorded and transcripts of voicemails. After further talking to the representative confirmed I advised them that they do not appear on my credit report and they refused to send any documents via usps nor will they take payment via XXXX they rep also told another party that isnt me that this was collections instead of vaerifying that they were speaking to myself

Company response to consumer: Untimely response
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Comerica
State: PA

Complaint narrative:
My name is XXXX XXXX my social is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have XXXX XXXX for my direct deposit, they said that there was fraudulent charges to my debit card, which they never contact me to ask me if these charges were made by me and I would have said yes I made them, so I had to reorder a new card only to the effect of I can't access my money from them now they have a lien on it I went through a verification prior to getting my new car just now today as of XX/XX/XXXX I paid XXXX and now they're telling me I have to go through a process again to release my money again I shouldn't have to do all of this if they would have reached out to me and asked me about this there are assumptions were that it was fraudulent there is no fraudulent charges on my account I have made all my purchases whether or not these sites were credible or not if they would have reached out and asked me I would have said yes I made these purchases and now they're going to hold my money against my my will I have bills to pay they are an incompetible company that doesn't even deserve to be running. I am on XXXX and only get so much money a month I have to pay bills and manage my household and with them holding my money against my will I feel some type of way and something should be done with this company that they are so inadequate to run a business like this

Company response to consumer: Closed with 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: NV

Complaint narrative:
I am disputing the following accounts on my Experian credit report : Charged Off Accounts XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} Inquiries None. 

Positive Accounts None. 

Late Payments XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation