vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: CO

Complaint narrative:
I am requesting a reinvestigation of the items listed below. The information reported may be inaccurate, and I would like to have these items reviewed and corrected based on the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$770.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-24 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: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-24 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: AZ

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-11-24 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 am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$210.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX  XXXX XX/XX/XXXX {$19000.00} These accounts show discrepancies in dates and balances when compared to XXXX  and XXXX. I dispute their accuracy and request a proper reinvestigation. 

INQUIRIES XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recognize some of these inquiries or did not grant permission for them. Please remove any that can not be verified with proof of permissible purpose. 

LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX These appear inconsistent and may be inaccurately reported. I request full verification and correction as necessary.

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 2025-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against CMG Loans and XXXX XXXX regarding my property damaged in the XXXX fire. We have a {$500000.00} loan on a half-acre property. The main house was damaged but remains standing, and the property is currently worth approximately {>= $1,000,000}.

California law allows fire victims to use insurance proceeds to rebuild or purchase another property. Despite this, CMG is holding significant insurance funds, except for ~ {$160000.00}, forcing us to either rebuild or repay the loan, even though the collateral far exceeds the outstanding balance. Meanwhile, we continue to pay the full monthly mortgage. This allows CMG to benefit from both our payments and the insurance proceeds, which is unfair and contrary to California law.

Direct communication with CMG has been difficult ; we are forced to communicate through intermediaries who take notes, further obstructing resolution. We have an excellent credit history and have never missed a payment, yet we are being treated unfairly while coping with the trauma and loss from the fire.

We request immediate action to : Release all the insurance proceeds so that, in accordance with California law, we have the option to purchase a new residence. The collateral far exceeds the loan, and we will continue to remit loan payments.

Provide a direct and transparent communication channel.

CMGs current approach is abusive, legally questionable, and places unnecessary financial and emotional strain on fire victims. We seek intervention and relief to prevent further exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I switched my mobile service from XXXX to XXXX. XXXX repeatedly promised to pay off my remaining XXXX balance as part of a switch promotion. Over the following months, XXXX made multiple commitments, including : 1. That they would pay my XXXX  device balance directly, 2. That they would send me a gift card to reimburse the balance, and 3. That they would apply equivalent bill credits.

None of these commitments were fulfilled. 

As a result, XXXX sent the unpaid balance to collections with Source Receivables Management ( SRM ). 

On XX/XX/XXXX, after receiving initial contact through text message from SRM, I mailed a written debt validation request to SRM via certified mail. SRM later confirmed over the phone they received my dispute letter. Despite this, SRM reported the collection account to the credit bureaus after my written dispute was received. Reporting a collection account after receiving a formal dispute vio
lates the FDCPA ( 1692g ( b ) ) and the FCRA ( 1681s-2 ( a ) ), which require a debt collector to cease all collection activityincluding credit reportinguntil validation is provided and the dispute is resolved.

I contacted SRM after noticing the credit reporting and informed them of the violation. SRM acknowledged the dispute but refused to provide written confirmation of any resolution or deletion. They verbally stated they would delete the collection only if I paid it, but would not provide this comm
itment in writing.

I am requesting the CFPBs assistance to require Source Receivables Management to delete the collection entry from all credit reporting agencies due to unlawful reporting during a pending dispute, and to ensure that my rights under the FDCPA and FCRA are enforced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: NV

Complaint narrative:
I have no claim to these accounts ; delete them within 15 days in line with 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 non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I would like all old names and addresses removed from my credit report

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 2025-11-24 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: TekCollect Inc.
State: NJ

Complaint narrative:
This complaint is a continuation of CFPB Case # XXXX. TEK Collect is reporting inaccurate and unauthorized information on my credit report even though I have never had any business relationship, agreement, account, or debt with this company. Any reporting by TEK Collect is therefore identity theft and false furnishing of information under FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information that is known to be inaccurate, and 623 ( a ) ( 6 ), which forbids continued reporting after notice of dispute.

In their previous CFPB response, TEK Collect knowingly submitted a false bonding number ( XXXX XXXX XXXX ) that the surety confirmed does not exist. Providing fabricated regulatory information to the CFPB is a willful violation of 15 U.S.C. 1692e ( 10 ) ( false representations ), 12 C.F.R. 1006.18 ( misleading statements by debt collectors ), and 12 U.S.C. 55315536 ( UDAAP unfair, deceptive, abusive acts or practices ). Their later attempt to call the false bond number outdated does not resolve the fact that the information was false at the time it was submitted.

This is part of a larger pattern of unlawful conduct : ( 1 ) TEK Collect is reporting a debt that does not exist ; ( 2 ) they are furnishing data connected to identity theft ; ( 3 ) they submitted fraudulent information to the CFPB; and ( 4 ) they continue to report inaccurate data on my credit file, causing ongoing harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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.

Complaint narrative:
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.

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 2025-11-24 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.

Complaint narrative:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Bank errors in billing and reporting are severely damaging my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must accurately reflect payments and credits, yet multiple violations have occurred : payments I made were not properly recorded, and there are blatant calculation errors in the reported amounts. Furthermore, I was not given the mandatory 21-day notice before a payment was due, rendering any late payment marks invalid. These inaccuracies constitute a direct violation of federal law and unjustly harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-24 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: AR

Complaint narrative:
I am a consumer attempting to correct inaccurate, incomplete, and unverifiable information being reported on my credit profile. I am requesting a full investigation under the FCRA, including verification of accuracy, completeness, account ownership, dates, balances, and permissible purpose for all disputed items listed below. 

I am disputing the following accounts because they contain inaccurate, incomplete, or unverifiable information. I am requesting a full reinvestigation and correction/removal where appropriate. 

Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$790.00} XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$0.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1400.00} XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1800.00} These accounts show inconsistent dates, conflicting balances, and missing payment histories. Please verify all reporting or remove anything that can not be fully verified. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Some of these inquiries appear without my authorization or permissible purpose. Please validate each inquiry or remove if unverifiable. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These late payment entries appear inconsistent and may be inaccurately reported. Please verify dates and amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One reinstated my legitimate credit card account today after XXXX mistakenly removed it. This confirms that the Capital One account ending in XXXX is fraudulent and part of an identity theft incident ( documented in my FTC Identity Theft Report # XXXX ). 

XXXX already removed the fraudulent XXXX  account under FCRA 605B. I am requesting that XXXX XXXX XXXX do the same. Capital One is currently reviewing the identity theft documentation, but XXXX  deletion already proves the account could not be verified.

A fair resolution is : immediate deletion of the fraudulent Capital One account ending in XXXX  from my XXXX XXXX XXXX  reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
I am filing a formal complaint against XXXX Experian, XXXX, and XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX Credit Card ) for continued reporting of inaccurate late payments, even after multiple disputes and documented evidence proving the information is incorrect. 

I was enrolled in XXXX XXXXXXXX XXXX XXXXXXXX XXXX , XXXX XX/XX/year>, as confirmed by the attached hardship-program approval letter. Under this program, XXXX agreed to : Reduce APR Waive late fees Stop charging late fees Reduce minimum payments Provide free phone payments While enrolled, late payments should not be reported, and my payments were also set on AutoPay. 

Despite being on AutoPay and in the XXXX XXXX, XXXX continues to report XXXX ( XXXX ) late payments on my credit reports. These late payments should not exist and appear to be the result of a system or processing error, similar to the XXXX XXXX reporting errors referenced in other CFPB cases. 

I have repeatedly disputed these inaccuracies directly with : XXXX Experian XXXX XXXX XXXXXXXX XXXXXXXX  All parties stated they would investigate, but no corrections have been made. The same inaccurate late payments continue to appear.

This is a clear violation of : FCRA 607 ( b ) : Duty to maintain maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher may not report inaccurate information FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation Metro-2 guidelines requiring reporting consistent with hardship-program status XXXX hardship terms do not allow for late reporting, which means the XXXX late payments were reported in direct contradiction of their own policy and my AutoPay enrollment. 

This inaccurate reporting has caused demonstrable harm : I have been denied a car loan I have been unable to qualify for a mortgage My credit score has significantly declined I have spent months trying to correct these errors I am requesting the CFPB to require : 1. Removal of all inaccurate late payments from XXXX Experian, and XXXX.

2. Correction or deletion of the tradeline if XXXX can not provide proof compliant with FCRA and Metro-2. 
3. An official explanation from XXXX XXXXXXXX XXXX regarding why payments were reported late despite : Hardship-program enrollment AutoPay active No notices of missed payments 4. Confirmation that all bureaus have fully updated their records.

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