vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: MS

Complaint narrative:
This is not a duplicate complaint. 
This complaint concerns payment crediting and suspense account handling. 

XXXX XXXX is refusing to provide the Payment Allocation Ledger required under 12 CFR 1026.41 ( d ) and CFPB Bulletin 2013-09, which mandates that servicers disclose how payments are applied to : principal interest fees suspense Credit Acceptance has only provided a Transaction History, which does not satisfy federal ledger disclosure requirements. 

Payments made via the XXXX XXXX XXXX portal were placed into suspense and not applied as of the date received. This resulted in : Incorrect late payment reporting Improper fee capitalization Artificial account delinquency These actions violate : Reg Z 12 CFR 1026.36 ( c ) ( 1 ) ( ii ) timely crediting of payments CFPB Bulletin 2013-09 suspense account abuse FCRA 623 ( a ) ( 1 ) ( A ) duty to furnish accurate information

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 2025-11-06 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: CA

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 ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
Bank errors related to billing and reporting are severely damaging my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are legally required to 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 provided with the mandatory 21-day notice before a payment was due, rendering any late payment marks invalid. These inaccuracies constitute a clear breach of federal law and are unfairly destroying my credit standing.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
My state employees credit union account reported 2 ( 30 ) days late payments In my credit report. 
This information is not correct. 
I already tried to explain this company the issue but they havent fix the issue. 
This issue is really hurting my credit. 
I make a payment for the mount of XXXX and XXXX. 
But, the put the payment in a different mount. 
Please help me found a solution for this problem I been trying to stay on top of my payments and this issue its really affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint regarding two LVNV Funding LLC accounts reported on my credit report. The accounts are : LVNV FUNDING LLC Account # XXXX High Balance : {$160.00} Date Opened : XX/XX/year>XXXX LVNV FUNDING LLC Account # XXXX High Balance : {$0.00} Date Opened : XX/XX/year> I have no knowledge of these accounts and have never opened or authorized any account with LVNV Funding LLC. These entries appear to be inaccurate or duplicate accounts. I request the CFPB to investigate this matter and ensure the furnisher provides proper validation and proof that these debts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: State Collection Service, Inc.
State: MD

Complaint narrative:
I received a phone call from a " debt collector '', Claiming they where with State Collection Service ( XXXX ). Stated i owed a debt with XXXX XXXX. I stated that i had no debt and would contact XXXX to inquire. I gave no personal information or payment. I simply wanted to report this. I immediately contacted XXXX XXXX billing and they stated I have no balance or anything that has been sent to collections. XXXX told me they use XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccurate and misleading entries on my credit report, which I have recently obtained. The reporting by the following creditors is incorrect and does not reflect my actual account history. These inaccuracies are causing me financial harm and are in violation of the Fair Credit Reporting Act ( FCRA ). 

The disputed items include : Addresses : XXXX XXXX XXXX XXXX, NC XXXX This address is not associated with me and has been incorrectly linked to my credit file. 

Accounts Reporting Late Payments : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$590.00} Reported as late payment ; I have never made a late payment on this account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1600.00} Reported as late payment ; this is inaccurate and must be corrected. 

Charge-Off Accounts I Do Not Recognize : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4000.00} DPT TREASURY XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$27.00} DPT TREASURY XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$3000.00} DPT TREASURY XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$470.00} DPT TREASURY XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, High Credit : {$280.00} I have no knowledge of these accounts, and they appear to be fraudulent or misattributed. I request that these accounts be investigated and removed from my credit report immediately. 

Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization. I request verification of these inquiries and removal of any that were unauthorized. 

Due to these inaccuracies, my credit report does not accurately reflect my financial responsibility and has caused significant stress and potential damage to my ability to access credit. Under the FCRA, I am requesting that all inaccurate, fraudulent, or unverifiable entries be investigated and corrected or removed immediately. 

Please confirm receipt of this complaint and provide updates on the actions taken to correct my credit report. I am prepared to provide any additional documentation necessary to assist with your investigation. 

Thank you for your prompt attention to this matter.

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 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Katie Stylianou, P.C.
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX, a debt collector who has repeatedly harassed and threatened me in connection with a disputed balance allegedly owed to XXXX XXXX XXXX. 

Details of the XXXX : XXXX XXXX contacted me regarding a disputed charge of {$2400.00} that XXXX XXXX claims I owe for vehicle repairs. I have repeatedly requested a valid repair receipt or invoice to verify the charges before making any payment. Despite these reasonable requests, neither XXXX nor XXXX XXXX has provided documentation showing that the repairs were actually completed or that the amount is legitimate. 

Instead, XXXX XXXX has sent multiple emails containing rude, intimidating, and unprofessional language, including statements meant to pressure and embarrass me. Her conduct has been aggressive and harassing. She has told me it is not my business to receive a receipt for the charges which is unacceptable and violates my right to verification under the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
I am filing this complaint to report multiple inaccurate and misleading items appearing on my credit report. These errors are seriously impacting my creditworthiness and must be investigated and corrected immediately. 

1. Wrong Addresses Reported : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This address does not belong to me and is being falsely reported. 

XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This address is also incorrect and should be removed from my credit file. 

2. Inaccurate Account Reporting : Several accounts are being reported with late payments, which is completely false. I have never missed or made a late payment on any of these accounts. The creditors are reporting inaccurate payment history that must be corrected immediately. 

XXXX XXXX Account ending in XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} Falsely reported late payment. 

XXXX Account ending in XXXX, Date Opened : XX/XX/XXXX, High Balance : {$240.00} Falsely reported late payment. 

XXXX XXXX BANK Account ending in XXXX, Date Opened : XX/XX/XXXX, High Balance : {$720.00} Falsely reported late payment. 

XXXX XXXX BANK Account ending in XXXX, Date Opened : XX/XX/XXXX, High Balance : {$720.00} Falsely reported late payment. 

XXXX Account ending in XXXX, Date Opened : XX/XX/XXXX, High Balance : {$720.00} Falsely reported late payment. 

These creditors are inaccurately reporting my payment history in violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 623 ( A ) ( 1 ), which require accurate and verifiable information. 

3. Unknown Collection Account : XXXX XXXX XXXX Account ending in XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} I have no knowledge of this account and have never had any dealings with this company. This entry is completely unauthorized and must be deleted immediately. 

These errors are damaging my credit reputation, and I am requesting a thorough investigation under the Fair Credit Reporting Act. If the information can not be verified with proper documentation from the original creditors, it must be deleted immediately from my credit file. 

Please ensure that the credit reporting agencies and data furnishers comply with all FCRA obligations to maintain accurate and verifiable consumer data. 

I am requesting that CFPB investigate these matters and require the furnishers and credit bureaus to correct or delete all inaccurate and unverifiable information immediately. 

Thank you for your prompt attention to this serious matter.

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 2025-11-06 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: OK

Complaint narrative:
I sent my first complaint in a few months ago against TekCollect. They are debt collecting for XXXX XXXX XXXX that went out of business and filed for bankruptcy. Because of that, XXXX did not provide the full services that they were supposed to but are saying I still owe the full amount and sent me to collections. TekCollect told me XXXX filed for bankruptcy and that covered them but me as a consumer still owe for the full amount even though I never received all of my treatment. This went to appeals with TekCollect and as far as I know is still in appeals. I can't get any answers when I call and no one knows what is going on. I was told that there is a cease and desist on my account so they will not send any communication to me which doesn't seem right? I was transferred to a supervisor to get further answers but received a voicemail which I left and no call back. I would like for this to be resolved and removed from my credit. How is it possible that I would owe for services I never received in full and that a company can file for bankruptcy that covers them but their consumers are left to pay for services they will never receive?? That doesn't make any sense. I can't just start up a business, charge people, go out of business/file for bankruptcy, only provide partial services and still require people to pay and hold them hostage with their credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
b'On XXXX I accidentally paid on someone else\'s XXXX XXXX XXXX card that was identical to my account number except for one number, $XXXX. I have contacted XXXX XXXX XXXX every day since then waiting for them to transfer me to the "correct" department  for up to 30 min this purposeful confusion has caused lasting mental health damage. They absolutely refuse to return my money, both my bank, Chase and my credit card through XXXX XXXX XXXX They tell me "mam you made the error". I spoke to XXXX  at Chase claim number XXXX XXXX XXXX XXXX on multiple occasions XXXX XXXX XXXX XXXX XXXX and XXXX XXXX in escalation created case XXXX. Devon can be reached at XXXX XXXX XXXX XXXX XXXX XXXX was also contacted the above days, was given case 1XXXX Yes, I entered in the incorrect account number, there was no re entering this info, I have severe XXXX  and if I was prompted to enter this info twice I would have caught this error.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have already submitted an identity theft report regarding the unauthorized inquiries on my credit report, yet these fraudulent inquiries are still being reported. I never applied for credit with these companies nor gave them permission to access my credit information. This ongoing issue is extremely frustrating and feels like a continued violation of my rights as a consumer. I have done my part to report the fraud, and its unacceptable that the inquiries remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Creditors Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. 
I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor with promises to pay the original creditor. Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint against TransUnion LLC for reporting inaccurate and unverified information on my credit report specifically, a bankruptcy that TransUnion claims was verified with the court. 

I received a letter from TransUnion stating that the bankruptcy information appearing on my credit report was verified through the court. However, I have obtained an official letter from the court confirming that they do not verify or confirm consumer credit information for any credit reporting agency, including TransUnion, XXXX, or XXXX. 

Therefore, TransUnions statement is false and represents a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681e ( b ) : which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report ; and 15 U.S.C. 1681i ( a ) : which requires credit reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information.

TransUnions actions demonstrate a failure to properly verify the information before re-reporting it as confirmed, and a lack of reasonable procedures to ensure accuracy.

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 2025-11-06 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: T.S. Holdings
State: TX

Complaint narrative:
Originally I was told this account was from XXXX XXXX. However, its now reporting as I.Q. Data International. This Company continues to report a fraudulent account with the credit bureaus. The date they claimed this account was opened XX/XX/year>. When I went to buy my home I contacted them and they advised me to file a police report, send it to them and it would be removed. I have done all of that and they still are reporting this account on my credit reports. They are reporting a balance of {$2900.00}. Every transactions involving this account was done online even opening it. I demand this company remove this from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-06 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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
This is a follow up to a previous complaint with One Main Financial, complaint ID XXXX made on XX/XX/year> I am only behind on a payment a few days, totalling {$180.00}. After numerous spam calls during the day while I was working, a call was made and voicemail was left after XXXX to my boss 's personal cell phone, which is illegal, by an XXXX XXXX phone number XXXX. The audio from the call and the slack message from my boss is attached. I called back minutes later to learn she wasn't there. I asked the person on the phone to leave a message on her desk for the next day, asking her not to call my employer and to call me back around noon on XXXX. 

She did not call and I received a text message an hour and a half later, during a time when I was working. Also attached.

Company response to consumer: Closed with non-monetary relief