vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: OR

Complaint narrative:
I am submitting my XXXX follow-up dispute regarding the repeated inaccurate, misleading, and unverifiable reporting on my credit reports with Experian and TransUnion. Specifically, my account XXXX XXXX XXXX is reported as a charge-off with a balance owed of {$11000.00} on both Experian and TransUnion, despite my previous XXXX rounds of disputes clearly demonstrating that this account is inaccurate and unverifiable. No supporting documentation exists to validate this alleged debt, and no 1099-C has ever been issued, which is a direct violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ).

Both bureaus continue to maintain this account inaccurately, showing delinquency and a balance that does not exist, which creates a false and misleading picture of my financial history. Each of these repeated errors demonstrates a failure to maintain maximum possible accuracy, as required under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). Additionally, the furnisher has provided unverifiable information, violating FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, yet both Experian and TransUnion have failed to remove this account despite my multiple disputes.

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 2025-12-16 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: IL

Complaint narrative:
I am submitting this complaint regarding the account XXXX account numbers XXXX ( Experian and TransUnion ) and XXXX ( Equifax ), with a balance of {$580.00}, opened in early XXXX, last active between XXXX and XX/XX/XXXX, and with the last payment on XX/XX/XXXX, which has been inaccurately reported as having multiple late payments across all three credit reporting agencies. Experian reports late payments of 30 days in XXXX XXXX 60 days in XXXX XXXX, 90 days in XXXX XXXX  120 days in XXXX, 120 days in XXXX, and 150 days in XX/XX/XXXX, Equifax shows 60 days in XXXX XXXX  90 days in XX/XX/XXXX, and 120 days in XXXX and XX/XX/XXXX, and TransUnion reflects 30 days in XXXX XXXX 60 days in XXXX XXXX, 90 days in XX/XX/XXXX, and 120 days in XXXX and XX/XX/XXXX. These reported late payments are inconsistent with my records, including bank statements, payment confirmations, and correspondence with the creditor, which show that all payments were made on time according to the agreed schedule. The repeated inaccurate reporting by the creditor and the credit bureaus has caused undue stress and has materially affected my creditworthiness, creating a misleading picture of my financial responsibility. I have repeatedly requested verification and correction from Experian, Equifax, and TransUnion, including documentation proving the accurate dates and amounts of my payments, but the discrepancies persist, in violation of FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ), which require both furnisher and bureaus to ensure the accuracy of reported information and properly investigate disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Consumer : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter constitutes a formal escalation dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I previously disputed the accuracy of the above-referenced account. XXXX XXXX XXXXXXXX failed to provide lawful verification or demonstrate that a reasonable investigation was conducted as required by 15 U.S.C. 1681s-2 ( b ). The furnisher relied on internal account summaries and conclusory statements, which do not constitute verification under federal law. As a result, the information currently reported remains inaccurate and unverifiable. Under 15 U.S.C.

1681i ( a ) ( 1 ), any information that can not be verified must be deleted or corrected. Continued reporting of this account without proper verification violates the FCRA. I have attached supporting documentation, including my formal dispute and XXXX XXXX XXXXXXXX insufficient response. 
Requested Action : 1. Conduct a reinvestigation pursuant to 15 U.S.C. 1681i ; 2. Delete or correct all inaccurate or unverifiable information associated with this account ; XXXX. Provide written confirmation of the results of your reinvestigation. 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 explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
As of XX/XX/2025 my wife who is XXXX check stop coming in the mail through social security for some unknown reason so our had gotten behind we went months on trying to get this resolved finally we got it solved through Social Security and received a back payment we contacted pHH mortgage to let them know we are going to make a payment and get it caught up now letting you know we received no notice no warning of any kind that our house was in the process of foreclosure no kind of letter in the mail no nothing that we were being forced into foreclosure no warning of any kind so when we go to get the payments caught up we are told now let me remind you the payments of only {$2000.00} that we are behind that we can not make these payments we have to pay {$14000.00} that we are in foreclosure we are too late we have been sent to foreclosure so of course we don't have {$14000.00} so we ask what can we do is there anything we can do anything you can do to help us no only thing you can do is reinstate this and get this paid so that your house is not taken they do nothing to help us all they ask us to do is there anybody that you can borrow this money from of course not we have no parents they're both deceased no family that has this kind of money I work at XXXX XXXX and my wife is XXXX we are now still going into XXXX and they have now raised it to {$20000.00} and foreclosure fees and we are still fighting this case and they're wanting to take our home from us and take for granted we were only {$2000.00} behind we are doing everything we can to try to save our home and they will do nothing to work with us now we are getting a sheriff come to our door to service papers which means they're getting ready to take her home from us because we can't come up with {$20000.00} in foreclosure fees to reinstate our home when in the meantime we could come up with the {$2000.00} to pay them but they refuse to take it now they have charged XXXX {$20000.00} in foreclosure fees how can you go from {$2000.00} of Owing to {$20000.00} it's like they already know you can't come up with that money so they're going to take your home regardless everyone you go to talk to in the office they don't care they have no sympathy all they say is we need you to come up with this money we need you to come up with this money and this is with PHH Mortgage we received no warning no letter no nothing letting us know that we were getting ready to go into foreclosure we were only 3 months behind maybe XXXX I'm not sure we were just doing whatever we could do to work with Social Security to get my wifes checks back so that we could continue to pay our bills and not fall so far far behind we still have a son who is in high school that we're trying to take care of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting to formally dispute several inaccuracies reported on my Experian, Equifax and TransUnion credit report. Upon careful review, I have identified multiple items, including late open accounts, charge-offs, late closed accounts, and collections, that are reported inaccurately, incompletely, or in a misleading manner. 
These inaccuracies materially misrepresent my financial history and negatively impact my creditworthiness. I am requesting that Experian, Equifax and TransUnion conduct a thorough reinvestigation of all disputed items, verify the information directly with the furnishers, and promptly update or correct any inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) regarding maximum possible accuracy, 611 ( 15 U.S.C. 1681i ) governing reinvestigation of disputed information, 623 ( a ) ( 2 ) obligating furnishers to correct and update information, 605 ( a ) concerning obsolete or misleading information, and 609 ( 15 U.S.C. 1681g ) regarding my right to full disclosure of supporting documentation. 

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 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 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My account was in a holding status because I was going through a Separation of Consolidation due to a divorce. Because the company the notice was delayed by the student aid government they reported my account was XXXX days late. This was an error on XXXX XXXX. The reporting was back dated making the account not late. I have called and tried to get this resolved with XXXX I have written a request and they have not resolved the issue on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, I signed up for a small business credit card through XXXX XXXX XXXX for my single-member LLC. There was a new-account bonus associated with the card -- {$1000.00} cash back. When that bonus never hit my account, I called and asked why not ; they said there was an item in their fine print that claimed only " XXXX new account bonus per business per 48 months. '' While I do see that on their * current * Terms & Conditions -- and it is true that I received this same bonus from them within the XXXX period -- I don't believe that item was in the XXXX & XXXX 's when I signed up. I've asked them to please show me that language and no one ever has ( after at least XXXX calls where I was promised a callback... I was only called back once from an Unknown Number that I didn't pick up. ) I even checked my application ( which I completed via XXXX ), but they removed it from the XXXX XXXX ( I have a screenshot I will provide if prompted ). Until they produce evidence of the 48 month rule in their Terms- * when I signed up * - I believe I am entitled to that $ XXXX Bonus.

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Validation Request Sent : XX/XX/2025 XXXX Validation Request : XX/XX/2025 Method of Verification : XX/XX/2025 Failure to investigate Letter : XX/XX/2025 XXXX and XXXX still reporting alleged debt. Company has not validated debt after multiple requests. Debt required to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

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 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After obtaining copies of my credit reports from Equifax, Experian, and TransUnion in XX/XX/year>, I identified numerous inaccuracies, inconsistencies, and incomplete information being reported across all three bureaus. The same accounts are reported differently between the bureaus, including conflicting balances, payment histories, account statuses ( open vs. closed, current vs. delinquent ), and dates of first delinquency. In some instances, accounts are reported as charged off while simultaneously showing balances due or are listed as delinquent despite no accurate basis for continued negative reporting. However, I never received a Form 1099-C for any alleged cancellation of debt. If a debt was truly cancelled, the furnisher was required to issue a 1099-C and report the cancellation to the IRS. The absence of a 1099-C raises serious concerns about the accuracy and legal status of the reporting. A debt can not be simultaneously treated as cancelled for credit reporting purposes while continuing to be reported as owed or collectible. This contradictory reporting is misleading and inaccurate. Several accounts contain inaccurate late payments or derogatory marks that are overstated, unsupported, or misleading. Other negative items appear to be outdated, improperly re-aged, or continuing to update despite being beyond the allowable reporting period. I also observed duplicate or redundant reporting of the same debt under different creditor names or account variations, which falsely inflates my level of indebtedness. These inaccuracies materially harm my credit profile and indicate that the credit reporting companies are not maintaining reasonable procedures to ensure maximum possible accuracy. When disputes were previously submitted, the information was verified without meaningful investigation or adequate explanation, suggesting a failure to conduct a reasonable reinvestigation.

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 2025-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been a victim of identity theft and found some fraudulent inquiries that I did not authorize on my credit report Here are the fraudulent inquiries I have found due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I also attached my identity report and my ID as well

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 2025-12-16 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: OR

Complaint narrative:
I am submitting my XXXX follow-up dispute regarding the repeated inaccurate, misleading, and unverifiable reporting on my credit reports with Experian and TransUnion. Specifically, my account XXXX XXXX XXXX is reported as a charge-off with a balance owed of {$11000.00} on both Experian and TransUnion, despite my previous XXXX rounds of disputes clearly demonstrating that this account is inaccurate and unverifiable. No supporting documentation exists to validate this alleged debt, and no 1099-C has ever been issued, which is a direct violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ).

Both bureaus continue to maintain this account inaccurately, showing delinquency and a balance that does not exist, which creates a false and misleading picture of my financial history. Each of these repeated errors demonstrates a failure to maintain maximum possible accuracy, as required under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ). Additionally, the furnisher has provided unverifiable information, violating FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B / 15 U.S.C. 1681c-2, yet both Experian and TransUnion have failed to remove this account despite my multiple disputes.

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 2025-12-16 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: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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