vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The XXXX  and XXXX  strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I am disputing inaccurate charged-off accounts appearing on my TransUnion credit report. The information reported is inconsistent and does not meet the accuracy standards required by the FCRA. 

Charged-Off Accounts XXXX Account # : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00} XXXX Account # : XXXX Date Opened : XX/XX/XXXX | Balance : {$0.00}

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint as a consumer who is actively disputing inaccurate information on my TransUnion credit report. Upon review, I identified several charged-off accounts and an inquiry that I believe are inaccurate, incomplete, or not properly verified. 

XXXX XXXX  Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  ( Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$0.00} ) XXXX XXXX  Account # XXXX XXXX Opened XX/XX/XXXX XXXX Balance {$0.00} ) XXXX XXXX Account # XXXX ( Opened XX/XX/XXXX XXXX Balance {$0.00} ) XXXX XXXX  Account # XXXX ( Opened XX/XX/XXXX, Balance {$13000.00} ) XXXX XXXX  Account # XXXX ( Opened XX/XX/XXXX, Balance {$340.00} ) XXXX XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$0.00} ) * XXXXXXXX XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$1800.00} XXXX XXXX XXXXXXXX Credit Account # XXXX ( Opened XX/XX/XXXX, Balance {$770.00} XXXX * XXXX Account # XXXX ( Opened XX/XX/XXXX, Balance {$610.00} ) I am disputing the accuracy, ownership, balances, and reporting status of these accounts. I am also requesting proof that each account has been properly verified and reported in compliance with the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXXXXXX in Dispute : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recall authorizing this inquiry and request proof of

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 2025-12-18 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: GA

Complaint narrative:
The following accounts reported by Experian are inaccurate and require correction. Please review the information below to ensure its accuracy. 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$6100.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$2100.00} INQUIRIES XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX BANK, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-18 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: 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 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 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

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

Company 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 2025-12-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
The payments are paid and Goodleap company defrauded on the agreement. The company that installed is now out of business and I no longer have a warranty. They are saying my payments are not the amount paid and switched the original percentage when it was supposed to be financed at 2 %. With all payments being made it said only XXXX was paid after 4 years of paying XXXX over 2 years. The balance shows that only XXXX was paid. 
Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$250.00} {$250.00} {$250.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$47000.00} {$47000.00} {$47000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$47000.00} {$47000.00} {$47000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$720.00} {$720.00} {$720.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber. 
Consumer disputes this account information Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Legend Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX  XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX  XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of several accounts on my credit report, as detailed below. I believe these accounts contain inaccurate and incomplete information. Below, I have listed the specific accounts in dispute, separated by bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of 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 explanation
Consumer complaint received 2025-12-18 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Management XXXX or XXXX  : Debt Collection / Credit Reporting I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements. 



What I believe is wrong : The collection agency has failed to properly validate the alleged debt The account is being reported inaccurately and/or without sufficient evidence The reporting appears to violate the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ) The agency continues to furnish information that is incomplete, misleading, or unverifiable What I have done so far : I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting. 
What resolution I am seeking : I am requesting that this collection agency either : 1. Provide full and proper documentation validating the debt and their authority to report it, or 2. Remove this account from my credit report if they are unable to verify its accuracy I am requesting a full investigation and a written response explaining the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS IS A NEW COMPLAINT WITH NEW INFORMATION ABOUT XXXX XXXX THEY WANT TELL ME! 

Dear Sir or Madam, I am filing this complaint to report what appears to be an improper and unreasonable denial of a credit card application by XXXX XXXX XXXX, as well as a failure to follow standard and fair lending procedures. 
On or about XX/XX/year>, XXXX XXXX sent me a letter declining my application for a XXXX Credit Card. The stated reason for the denial was : Based on your application information, there is a currently pending or recently processed application with XXXX XXXX. 
However, no credit report was ever obtained in connection with this decision.I want a resolution! XXXX XXXX XXXX Exceptional as of XX/XX/year>

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 2025-12-18 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:
XXXX XXXX XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report Number:XXXX XXXXXXXX Date ( XX/XX/year> ) XXXX Collections accounts : ( accounts not properly 100 % verified ) XXXX  XXXX XXXX XXXX  Acc.Num : XXXX balance : {$12000.00} XXXX Capital XXXX : XXXX balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX balance : {$610.00} XXXX XXXX : Acc.Num : XXXX XXXX : {$3100.00} -Oliphant XXXX XXXX : XXXX balance XXXX {$10000.00} -XXXX XXXX : XXXX balance : {$850.00} -XXXX  XXXX : Acc.Num : XXXX  balance : {$140.00} XXXX submitted investigations through dispute letters to the XXXX main credit reporting agencies : XXXX Experian XXXX TransUnion - Equifax regarding certain accounts appearing on my credit report as being in collection. I requested that these accounts be properly investigated and 100 % verified within a period of no more than 30 days ; otherwise, they should be completely and immediately removed. I also requested that they send me proof of the investigation 's conclusion. Unfortunately, this has not happened on repeated occasions. I have not received a single piece of evidence or supporting document to corroborate their responses, which always state that they did investigate and that all the information appears to be correct. I am certain this is not the case because I sent letters to the collection agencies, and I have proof of this, and I have not received a response from them within the legally mandated timeframe of more than 21 days, along with the supporting evidence I requested to validate this supposed debt in my name. So how is it possible that this credit reporting agency can assert its decision regarding my disputes without any supporting evidence? I have demanded in repeated rounds of disputes that they send me the documents that actually prove these investigations. They have been violating consumer protection laws for months without any apparent fear of consequences.

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 2025-12-18 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:
XXXX XXXX XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report XXXX Date ( XX/XX/year> ) -Report XXXX XXXX Date ( XX/XX/year> ) -Report Number:XXXX XXXXXXXX Date ( XX/XX/year> ) XXXX Collections accounts : ( accounts not properly 100 % verified ) XXXX  XXXX XXXX XXXX  Acc.Num : XXXX balance : {$12000.00} XXXX Capital XXXX : XXXX balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX balance : {$610.00} XXXX XXXX : Acc.Num : XXXX XXXX : {$3100.00} -Oliphant XXXX XXXX : XXXX balance XXXX {$10000.00} -XXXX XXXX : XXXX balance : {$850.00} -XXXX  XXXX : Acc.Num : XXXX  balance : {$140.00} XXXX submitted investigations through dispute letters to the XXXX main credit reporting agencies : XXXX Experian XXXX TransUnion - Equifax regarding certain accounts appearing on my credit report as being in collection. I requested that these accounts be properly investigated and 100 % verified within a period of no more than 30 days ; otherwise, they should be completely and immediately removed. I also requested that they send me proof of the investigation 's conclusion. Unfortunately, this has not happened on repeated occasions. I have not received a single piece of evidence or supporting document to corroborate their responses, which always state that they did investigate and that all the information appears to be correct. I am certain this is not the case because I sent letters to the collection agencies, and I have proof of this, and I have not received a response from them within the legally mandated timeframe of more than 21 days, along with the supporting evidence I requested to validate this supposed debt in my name. So how is it possible that this credit reporting agency can assert its decision regarding my disputes without any supporting evidence? I have demanded in repeated rounds of disputes that they send me the documents that actually prove these investigations. They have been violating consumer protection laws for months without any apparent fear of consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I am submitting this complaint because Security Credit Services LLC is refusing to complete a proper investigation after I complied with every request they made. I contacted XXXX XXXX XXXX directly to ask what documentation was required to report forgery or identity related issues. XXXX XXXX confirmed that the affidavit form I completed was the correct document to provide. I completed the form under oath and had it notarized, and I submitted it exactly as instructed. 

Despite this, Security Credit Services is now insisting on a police report and treating my sworn affidavit as insufficient, even though Texas law does not require a police report in order to investigate or correct inaccurate credit reporting. Under Texas Finance Code 392.202 and the Fair Credit Reporting Act, a collector is required to conduct a reasonable investigation once a dispute is received. There is no requirement that a consumer must file a police report in order for an investigation to occur. 

My legal name is XXXX XXXX. The account they are reporting is tied to the name XXXX XXXX. I never signed a contract with Security Credit Services LLC, and I never authorized them to obtain or report my personal information. I followed their instructions in good faith, spent my own money to complete the notarized affidavit, and did so while caring for my one year old child. It is unreasonable and unfair for them to move the requirements after I complied.

This account caused a significant drop in my credit score and has affected my ability to secure housing and basic financial stability. Security Credit Services continues to report this account even though they have not shown a contract bearing my legal name or my authorization, and they have not acknowledged the sworn documentation I submitted.

Company response to consumer: Closed with explanation