vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint against Experian and XXXX XXXX XXXX regarding an account that appeared on my Experian credit report without my knowledge or authorization. The account details are : Creditor : XXXX XXXX XXXX Collection Agency : XXXX XXXX XXXX ( Account No. XXXX ) Date Opened : XXXX / XXXX / 2025 Balance : {$1.00} XXXX Status : Collection account {$1.00} XXXX past due as of XX/XX/year> I have never applied for, received, or authorized any account with Simple Fast Loans. This tradeline suddenly appeared on my Experian file in XX/XX/year> showing only a negative status, no payment history, and no prior activity. It is therefore a negative-only, unverifiable account that fails to meet the requirements of accuracy and completeness under 15 U.S.C. 1681e ( b ) and must be deleted under 1681i ( a ) ( 5 ) ( A ) because it can not be verified as accurate.

Additionally, because the entry contains only adverse information and no positive history, it constitutes adverse information within the meaning of 1681c ( a ) and should not remain on file absent verifiable, complete payment data. Experian continues to publish this account even though the furnisher has provided no supporting documentation. I have never received a debt-validation notice from XXXX XXXX XXXX as required under 15 U.S.C. 1692g.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2025-11-12 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have sent Metro 2 compliance letter to all 3 bureaus and there is no response to the complaint after 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you review this? Its reported late and may not be valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX said : Dear Sir/Madam, I am a consumer who is seeking to resolve inaccurate and incomplete information reported on my credit file. Below is a list of the accounts in dispute, separated by each credit bureau. I request that these items be thoroughly investigated and corrected according to the Fair Credit Reporting Act ( FCRA ) and all applicable regulations. 

Charged Off Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau regarding the following accounts that have been inaccurately reported and require correction. Please review the disputed information with the credit bureaus as outlined below. 



Charged Off Accounts XXXX Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$85.00} XXXX Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$2500.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$3400.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$4200.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$2600.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$6900.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$5500.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$3400.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$6000.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$6200.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$7100.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$3200.00} XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} Inquiries No disputes for inquiries on Experian at this time. 

Late Payments XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: VA

Complaint narrative:
On XXXX, XXXX ; we open a house mortgage with PNC Bank and in order to make the monthly payment we opened a designed checking account so the payment could be transferred automatically from this account to the mortgage account. This was being done without any problem, until XX/XX/XXXX that the automatic transfer payment was not done. I noticed the problem on XX/XX/XXXX and went directly to the bank to check why they mortgage payment was not withdraw on XX/XX/XXXX or XX/XX/XXXX. 

While at the PNC office the representative contacted the Mortgage department and according to the person, they did not know why the system stop doing the automatic transfer. She was able to waived the already accessed late fee. According to them they tried to reach me by telephone, however they did not leave a message so that I could return their phone call so I was unaware of what was going on. As a result of this they reported me to the credit bureau and my credit report dropped XXXX points. I was able to pay the XXXX mortgage payment right away on XX/XX/XXXX. 

I wrote to PNC disputing their claim, however, they are arguing that I was doing the payment manually each month and this is not true ; the transfer was set up to be done automatically every XXXX of the month. The records shows that if the XXXX fall in a weekend the payment was withdraw on Monday the XXXX and it was current until XXXX, XXXX when the system automatically stopped to do the transfer. 

My XXXX XXXX was XXXX points now is XXXX, this is very bad, it wasn't my fault but their fault that the system did not automatically transferred the payment. I asked PNC to remove the negative report to the Credit bureau and they refuse to do so, claiming that they did not do anything and I was doing the payment manually each month when it was not true, it was setup to be done automatically the wire transfer from one account to another one with no end date since I want my mortgage to be paid on time. The checking account shows that there was 3 times enough money with pay my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding several items on my credit report that I believe are inaccurate and need further investigation. The details of the disputed accounts are as follows : Equifax Charged Off Accounts : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1200.00} DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2100.00} DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2500.00} DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$4300.00} DOE XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$45.00} Late Payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: NY

Complaint narrative:
I keep receiving call after call from Receivables Management. I have no idea what debt theyre calling for, and Ive blocked over a dozen numbers. They call using an automated message and there is no way to speak with a live person. They call multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I had an account with XXXX  for internet service. The account was cancelled on XX/XX/year> via the chat. At that time, there was an amount on the bill for service between the last billing date. I paid that amount that was presented. There was also an early termination charge that was added. I spoke to the chat agent that assured me the charge would be removed and the balance owed was {$0.00}. After that I got collection calls from Eastern Account Systems stating that the termination was a valid charge. I again asked for a copy of the contract, which they can not produce. They continue to tell me that they can send a final invoice. The final invoice will show that early termination, that should have been removed via my chat with the agent. I have a reference number from that chat that suggest the final balance is {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
i want to dispute lvnv funding llc for a credit {$2600.00} please remove i have no knowledge of this account. 
Dispute of Credit Reporting ( FCRA ) Furthermore, I am disputing the reporting of this debt to all consumer credit reporting agencies ( Equifax, Experian, and TransUnion ) pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 
Because I dispute the existence and accuracy of this debt, you are required to investigate this dispute and verify the accuracy of the information you furnish to credit reporting agencies. 
You must immediately report to all credit reporting agencies that this debt is disputed by the consumer ( me ). 
If you can not provide the complete validation requested above, you must immediately contact all credit reporting agencies and request the complete deletion of this account from my credit report. 
Until this debt is fully validated, you must cease all collection activity and all credit reporting of this disputed account. Any attempt to collect or report this debt without providing the full requested validation will be considered a violation of the FDCPA and FCRA, for which I will not hesitate to pursue all available legal remedies. 
I expect a written response, including the full validation documentation, within XXXX calendar days of your receipt of this letter. 
Sincerely. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. XXXX is the account number. 
This is a on-going problem for months. 
The firm keeps opening / closing worktout reviews and says its in pending, then says final review, and then says its starting the review again. 
I was offered XXXX XXXX payment plan XXXX  days ago and told it was XXXX per month as of XXXX XXXX  days latter I was told the plan is not active now. 

Everytime I call only people outside of the XXXX or in the XXXX that read a script talk to me and do not take the time to help find a solution. I asked for numerious XXXX call backs. 

I want the XXXX plan that was approved. they said the plan was not approved by investory when the investor is XXXX and gives delegated authority, and if it was not approved why was I told it was approved and to make payment in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation