vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my Equifax, TransUnion and Experian credit report, which I have carefully reviewed and verified against my personal records. I have identified several errors that misrepresent my credit history, payment behavior, and account statuses. These inaccuracies include incorrect addresses, charge-off accounts, collections, and inquiries, each of which requires immediate reinvestigation and correction under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} Original Creditor 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 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 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 2025-11-18 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: CA

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, and TransUnion regarding the account reported by XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX  ). I have disputed this account for over a year and have attached copies of the dispute letters previously mailed to all three credit bureaus. Despite providing detailed documentation of multiple inaccuracies, the bureaus have failed to correct, update, or delete the false information as required under the FCRA and Metro-2 guidelines. * * This account contains numerous reporting inconsistencies across all three credit bureaus, including but not limited to : Different Date Opened across bureaus ( Equifax : XX/XX/XXXX ; Experian : XX/XX/XXXX ; TransUnion : XX/XX/XXXX ) Different balances being reported ( Equifax : {$930.00} ; Experian : {$930.00} ; TransUnion : {$930.00} ) Different Date Last Active ( Equifax : XX/XX/XXXX ; Experian : XX/XX/XXXX ; TransUnion : XX/XX/XXXX ) Inconsistent last-reported dates Incorrect payment status reporting as both Collection and Charge-off simultaneously Inconsistent and unverifiable account codes and data fields These discrepancies violate multiple sections of the Fair Credit Reporting Act, including : FCRA 602 Failure to ensure maximum possible accuracy FCRA 607 ( b ) Failure to maintain reasonable procedures to assure accuracy FCRA 609 ( a ) ( 1 ) Failure to provide the original documentation validating this account FCRA 611 Failure to conduct a lawful and reasonable reinvestigation FCRA 611 ( a ) ( 5 ) ( A ) Duty to delete information that can not be verified FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known or reasonably should be known to be inaccurate FCRA 623 ( b ) Failure by the furnisher to conduct a proper investigation after receiving notice Metro-2 standards Inconsistent and contradictory reporting across all bureaus After more than a year of disputes, no bureau has corrected or removed the inaccurate information, despite being provided clear proof that the reporting is incomplete, inconsistent, and unverifiable. Under federal law, if the furnisher can not provide original, signed, legally compliant documentation proving the accuracy of all reporting fields, the bureaus MUST delete the account entirely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number XXXX XXXXXXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX  XXXX breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$19000.00} Account name XXXX XXXX XXXX Account XXXX XXXX Account type Education Date opened XX/XX/XXXX Balance {$4000.00} Account name XXXX XXXX XXXX Account XXXX XXXX Account type Education Date opened XX/XX/XXXX Balance {$2400.00} Account name XXXX XXXX XXXX Account XXXX XXXX Account type Education Date opened XX/XX/XXXX Balance {$4900.00} Account name XXXX XXXXXXXX Account number XXXX  Account type Loan Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$1300.00}

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 explanation
Consumer complaint received 2025-11-18 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:
Name : XXXX XXXX Date Of Birth : XXXX Social Security : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Old Address : XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion, Equifax & Experian ( URGENT MATTER ) XX/XX/year> I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 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. Items listed above, have violated my rights. 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 ( AN ( 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. 
Remove fraudulent addresses : ( Proof of address attached with this paperwork ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX AV XXXX, XXXX Remove Unauthorized Fraudulent Accounts Listed Below : XXXX. XXXX Original Creditor XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX, XXXX Remove Unauthorized Fraudulent Inquiries Listed Below : XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX, XXXX XXXX. ODE, XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX 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 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 Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond Written By : XXXX XXXX ( MY IDENTIFICATION IS ATTACHED BELOW )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Freedom Mortgage Company
State: RI

Complaint narrative:
My mortgage company freedom mortgage acquired my mortgage from primary residential mortgage in XXXX. I bought the house in XXXX. My local fire taxes have been paid through my escrow account. They were current up until XX/XX/XXXX last payment from the escrow company was XX/XX/XXXX I have the payment and check number from the tax collector. Freedom mortgage is saying they don't pay it though they do and did XXXX. This has happened 3 times previously already. Now they're saying they won't pay it.

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 2025-11-18 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
XXXX XXXX  Date Opened XX/XX/year> XXXX XXXX {$1300.00}

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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
I am disputing a collection account being reported by Caine & Weiner for XXXX. I changed my insurance and my XXXX  policy should have been canceled, so I do not understand why I was billed. I was never notified of any balance owed and never received a letter or explanation of charges. I have not been provided any documentation validating this debt. The amount being reported is unclear and unverified. Because the debt has not been validated or properly explained, I do not believe this collection is accurate. I am requesting an investigation and removal of this unverified collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: CA

Complaint narrative:
XXXX of my transactions are stuck for the past XXXX weeks and I want this to be resolved immediately because of which my loan in XXXX is stuck. 

Transaction ID : XXXX Transaction ID : XXXX Transaction ID : XXXX The total transaction amounts to {$15000.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing regarding the above-referenced account. Under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) and FCRA 602A, 607B, 611A-1, I am requesting full and complete validation and verification of these alleged debts. Specifically, I am requesting the following documentation : 1. The original signed contract or agreement evidencing my obligation to the original creditor. 2. The complete chain of title, including all transfers, assignments, or sales of this debt, any proof of securitization from the original creditor to your agency. 3. Proof of ownership and authority to collect, including any agreements or instruments showing your legal right to collect this debt. 4. Itemized accounting of the alleged debt, including principal, fees, interest, and any other charges applied. Additionally, I request that you verify all information being reported to any credit reporting agency is accurate and substantiated. If you can not provide complete verification and documentation within 30 days of receipt of this letter, you are required under FCRA 611 ( a ) ( 1 ) and 607 ( b ) to delete any negative reporting related to this account from all credit bureaus immediately. Please provide, copies of all requested documentation ; originals are not required. Until such verification is provided, you must cease all collection activity and refrain from further reporting of this account. Failure to comply with this request may result in a formal dispute with the credit reporting agencies and any other legal remedies available to me under federal law. Thank you for your prompt attention. I expect your response within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: KY

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and will out my knowledge.please help me with these accounts removing them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Identity was stolen they caught the guy in XXXX XXXX Florida he had a social security number my name my address everything about me opened up business account XXXX  XXXX XXXX couple other banks credit cards transfers I had a whole company in my name so I've been dealing with all three credit bureaus to have things taken off my report that does not belong to me I do have a police report he got caught XX/XX/year> not with just my identity he had 10 other people 's identities and he's being prosecuted in different states

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One posted XXXX charges for {$370.00} on my account on XX/XX/XXXX. I attempted to dispute this with the original company who I made the payment to, XXXX, and spent weeks trying to figure it out through them. After speaking to their finance team on the phone and through email, they provided written proof that they only received XXXX payment from me and the double charge was an error on XXXX Ones end. I then began a dispute around the middle of XXXX, XXXX. My dispute was denied multiple times which resulted in me having to reach back out to capital one to provide them with the additional information that they requested. I provided them 20+ screenshots, images, communications, emails, anything to prove that I did not make a payment two times. They kept denying my dispute. This process stretched out over the span of about six months where they just kept reopening and denying my dispute. I attempted to speak to the supervisor as high as I can get, and they told me that the dispute has been dragged on for too long at this point, and they can not help me with getting my money back. I tried to come to an understanding with her as to why my dispute kept being closed, and the supervisor told me that it was because I did not send a screenshot of my bank statement, which was clearly written on their require requirements as optional to provide them. Every time I made a phone call to capital one or made any attempts to contact them, they were able to pull up my statement on their end. Considering this, I did not feel any need to send in my statement given that they had access to it. The supervisor used this as a case against me to try to tell me that I did not provide sufficient information to complete the dispute when I clearly did. The conversation ended on her telling me that it has been too long since the initial charge for them to return my money and that they cant do anything about it. Every time that I was on the phone with them, I never got a specific answer as to what documents they needed, and the document that the claim was missing was not a required document. I am happy to provide all of the proof that I provided to capital one, it clearly shows that I did not make this double charge. It is a lot of money and I can not afford to have it stolen from me by capital one. I already paid off the balance for one of the {$370.00} charges, so I am clearly not just trying to avoid payment. I just do not feel that it is right for me to pay a second time when it is not my fault that capital one made a charging error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-18 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: UT

Complaint narrative:
This is a supplemental complaint related to ongoing identity theft and improper credit reporting activity. After the XXXX identity theft account was removed, two NEW fraudulent accounts appeared : ( 1 ) a XXXX XXXX auto loan added by a third-party furnisher, XX/XX/XXXXand ( 2 ) XX/XX/XXXX utility account. I updated my FTC Identity Theft Report and attached my police report, ID, and address verification. Under FCRA 605B, these accounts must be blocked within 4 business days, yet the bureaus are delaying and marking these items as under investigation.

Additionally, two other disputed accounts XX/XX/XXXX and XXXX XXXX XX/XX/XXXXwere updated without the credit bureaus providing the required Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). I have never received any documentation from these creditors proving these accounts belong to me.

This is now a pattern of mixed-file errors, improper reinsertion activity, and failure to comply with FCRA 605B, 611, and 623 ( a ) ( 6 ). I request immediate deletion of all fraudulent and unverified accounts. * *

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 2025-11-18 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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