vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: TX

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 : XXXX. 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. 
XXXX. 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? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. 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 2025-11-10 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: TX

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 : XXXX. 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. 
XXXX. 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? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. 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 explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
My account is being reported as {$470.00} which is above the limit. That amount is incorrect. It is affecting my credit.

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 2025-11-10 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: GA

Complaint narrative:
My account is being reported as {$470.00} which is above the limit. That amount is incorrect. It is affecting my credit.

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 2025-11-10 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: IN

Complaint narrative:
I am writing to dispute several items on my credit report that I believe to be inaccurate. I request that you investigate the following accounts and update my credit report accordingly. 

Disputed Accounts : Charged Off Accounts : XX/XX/XXXXAccount Number : XXXX Date Open : XX/XX/XXXX Balance : {$220.00}XX/XX/XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX OF XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00}XX/XX/XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$75.00} XX/XX/XXXXAccount Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$100.00} XX/XX/XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$240.00} Late Payments : XX/XX/XXXXAccount Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing TransUnion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2025-11-10 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-10 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-10 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: TN

Complaint narrative:
I am formally disputing the following charged-off accounts listed on my Equifax credit report. These accounts are inaccurately reported and require correction : Charged-Off Accounts Dispute : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year>XXXX  Balance : {$25000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>XXXX  Balance : {$16000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$3000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS 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 2025-11-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: IN

Complaint narrative:
This debt is being disputed. The eviction case XXXX was dismissed with no judgment issued. Under the Fair Debt Collection Practices Act ( 15 USC 1692g ), I am requesting full validation of the alleged balance. 

This validation must include : XXXX. A copy of the court judgment authorizing the balance. 
XXXX. A full itemized accounting signed by both parties. 
XXXX. A copy of the original lease and move-out inspection with signed acknowledgment of charges. 

If you can not provide a valid court judgment and signed documentation proving I owe this balance, you must : - Cease all collection activity - Remove all reporting from all credit bureaus - Provide written confirmation of deletion Continuing to report or collect on an unjudged, dismissed case is a violation of FDCPA 807 and FCRA 602. I request resolution within 15 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is continuing to report a {$0.00} balance collection account on all three credit bureaus ( Experian, Equifax, and TransUnion ). This reporting is inaccurate, outdated, and misleading. The account is being shown as both a collection and paid charge-off, which violates XXXX XXXX XXXX account balance and status codes must be consistent and accurately reflect the account condition.

Despite multiple disputes, neither XXXX  XXXX XXXX nor the credit bureaus have provided any written verification, final statements, or accounting records to support the classification of this account as a collection. Simply marking the account verified without documentation is not compliance its hearsay reporting. 
Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), the credit bureaus must maintain the maximum possible accuracy of all information reported. Under 611 ( a ), both the furnisher and the bureaus must reinvestigate and provide verification. None of that has occurred. XXXX XXXX XXXX is knowingly allowing false information to remain on a consumers report, which constitutes willful noncompliance under FCRA 616617. This type of inaccurate reporting directly impacts creditworthiness, lending opportunities, and financial stability.

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 2025-11-10 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: OH

Complaint narrative:
Under FCRA 602 ( 15 U.S.C. 1681 ( a ) ) Congress found that inaccurate credit reporting can harm consumers, so agencies must adopt procedures to ensure maximum possible accuracy. This inaccurate or incomplete information, must be investigated by all parties involved including but not limited to Transunion, Experian and XXXX, usually within 30 days, and correct or delete any information that is found to be inaccurate or can not be verified.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I applied for an XXXX credit card earlier this year to be sent to a temporary residence at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and never received any card. Since then, I returned to my primary residence at XXXX XXXX XXXX, XXXX, TX XXXX and requested a new card several times yet never received any card. The card was never activated yet I started receiving bills due for the annual fee of {$85.00} so I paid towards the fee while requesting yet another card and again never received it. I made one payment in the amount of {$25.00} on XX/XX/scrub>XXXX  and another payment in the amount of {$26.00} on XX/XX/year> while never having nor activating the card. I have requested that the total amount of {$52.00} be sent to me and to close my account. When I called the customer service number it routed me to collections and because I have no idea what my account number or card number is collections would not assist me. They gave me another number to call only to have the option of leaving the department my phone number and requesting a return call. Needless to say, trying to get a refund on an annual fee for a card that was never activated has proven impossible. I am requesting a refund in full for the {$52.00} and for them to repair the damaged credit score this has caused with this particular issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, theyve added a collection to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I asked original company with car payment to come get vehicle due to not able to continue to make the payments which they would not restructure or negotiate to lower monthly payments. It took them over 5 months to finally come get vehicle. I had asked if I could bring to a location and they said that they would have to come get it. After they picked vehicle up, I didn't hear anything from them for at least a couple months or longer. I was told at that time that they sold vehicle and I was no longer responsible for any payments. A couple years go by and I find out that I owed money through a debt collector which I found out because of security clearance random check and is in danger of losing my clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am formally disputing the accuracy and completeness of a collection account appearing on my Experian credit report under XXXX XXXX XXXX XXXX ( Acct # XXXX ). Upon review, this account contains multiple factual errors that violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681

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 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I was impacted by the XXXX XXXX XXXX and XXXX XXXX winds in XXXX, CA where I currently live. On XX/XX/2025 the XXXX XXXX XXXX and Winds damaged my home with smoke, ash, water, soot and I was evacuated and lived in a hotel for almost 8 months. During the month of XX/XX/2025 I contacted Mr. Cooper my loan servicer and requested a XXXX, it was granted for 3 months, ending at the end of XX/XX/2025. Before XX/XX/2025 ended I contacted Mr Cooper and requested another 3 months due to my home being uninhabitable. Mr Cooper agreed to an additional 3 months which would end XX/XX/2025. In a conversation with Mr. Cooper in XXXX, Mr. Cooper offered a " Loan Modification, '' I declined and stated I can afford my mortgage payment. The rep from Mr. Cooper stated I was currently in active Foreclosure...... I was in a state of shock. 
I never received any documents in the mail, no certified letters were sent, no phone calls made prior to Mr. Cooper stating I was in Foreclosure. NO NOTIFICATION/

Company response to consumer: Closed with explanation