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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please examine this entryit was made late and could be unreliable.

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:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have no association with this account the information on my report is incorrect.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have no association with this account the information on my report is incorrect.

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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I have been informed through XXXX insurance that my homeowners insurance will not be renewed on XX/XX/year>. 

I was told my roof needs repair/ replaced in order to keep my insurance. 

They, XXXX, will not extend any help in fixing this matter. 
Nor, my mortgage lender Huntington Bank. 
Huntington Bank informed me they will issue FORCED INSURANCE after XXXX doesn't renew and further stated they can not give me more details until after the fact, i, e., how much my rate will go up, when will this take place or even any other option.

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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from 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 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: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from 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 2025-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: MI

Complaint narrative:
To Whom It May Concern, I am contacting you regarding the above-referenced account. I do not believe this balance is valid, as my insurance plan should have covered these charges in full or in part. Before I take any further steps, I am requesting the following : A full insurance re-billing and claim reprocessing Detailed itemization of the charges, dates of service, and the provider involved A written explanation of why insurance was not billed properly or why coverage was denied Until this insurance review is completed, I am requesting that you stop all mailed collection notices and any further collection activity, as permitted under the Fair Debt Collection Practices Act. This account must remain on hold while insurance is being re-evaluated. 

This is not an admission of liability. I am disputing the validity of this debt and requesting proper verification and insurance correction. 

Please confirm in writing once the account is placed on hold and after insurance reprocessing has been completed. 

Sincerely, 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Someone hacked into my XXXX XXXX  and were able to get rid of my phones service, all this while they were spending about XXXX on my chime credit builder card, I called as soon as I noticed, they said to not worry that they will be working on a resolution, it took them 4 days to deny all my claims even though I sent them, that and XXXX was logged in, in XXXX and Ive been in XXXX XXXX my whole life and I have my location services on, I also sent a copy of my police report that I filed about my information being stolen, the report they sent back as to why I was denied all my Money that I had because I had just gotten Paid, was very vague and not helpful if I filed another dispute. To my understanding they work with an fdic insured bank and I thought that it would be safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Chime Financial Inc
State: FL

Complaint narrative:
CHIME Dispute id # XXXX. Amount {$1500.00} XXXX XXXX I havent heard anything from chime no credit no nothing its been over 45 days its XXXX time that was my kids money I cant buy them anything waiting on chime

Company response to consumer: Closed with 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am not tied to these accounts and didnt okay their creation. Please investigate and delete them. Documents are enclosed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) after its continued failure to correct inaccurate, duplicate, and internally contradictory credit reporting, despite receiving my prior written disputes. I previously disputed these errors in writing on XX/XX/year>, and again through a Second Notice dated XX/XX/year>. TransUnion has failed to conduct a lawful reinvestigation and continues to publish materially misleading information on my credit file. 

Specifically, TransUnion is reporting multiple duplicate tradelines for the same XXXX XXXX XXXX XXXX XXXX XXXX mortgage obligation under different account numbers, each containing conflicting dispute remarks, inconsistent payment history percentages, and contradictory account data. These tradelines simultaneously reflect statuses such as Dispute Resolved Subscriber Disagrees, Consumer Disputes After Resolution, and Information Disputed by Consumer, while also claiming the accounts are In Good Standing with no past-due balance. Reporting the same mortgage obligation multiple times with conflicting data is inherently inaccurate and violates TransUnions duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

In addition, TransUnion continues to inaccurately report my XXXX  XXXX XXXX account. This account contains incorrect and/or misleading information that was clearly disputed and remains unresolved. TransUnion has continued to publish this account without correcting or properly verifying the disputed data, constituting a separate violation of XXXX XXXX. XXXX ( b ) and XXXX ( a ). Simply re-reporting disputed information without resolving inaccuracies does not meet the legal standard for verification under the FCRA. 

If TransUnion claims it has verified these accounts, it must be able to identify which single tradeline is accurate and explain how multiple conflicting versions of the same obligation can lawfully coexist. TransUnion has failed to provide any meaningful explanation, documentation, or method of verification as required by federal law. The continued presence of these inaccuracies has caused ongoing harm to my credit profile and demonstrates a systemic failure to conduct a reasonable reinvestigation. 

TransUnion has been given multiple opportunities to correct these errors and bring my credit file into compliance. Its continued inaction and inaccurate reporting reflect willful noncompliance with the FCRA and leave me no alternative but to seek regulatory intervention. 
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 2025-12-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ) after its continued failure to correct inaccurate, duplicate, and internally contradictory credit reporting, despite receiving my prior written disputes. I previously disputed these errors in writing on XX/XX/year>, and again through a Second Notice dated XX/XX/year>. Experian has failed to conduct a lawful reinvestigation and continues to publish materially misleading information on my credit file. 

Specifically, Experian is reporting multiple duplicate tradelines for the same XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  obligation under different account numbers, each containing conflicting dispute remarks, inconsistent payment history percentages, and contradictory account data. These tradelines simultaneously reflect statuses such as Dispute Resolved Subscriber Disagrees, Consumer Disputes After Resolution, and Information Disputed by Consumer, while also claiming the accounts are In Good Standing with no past-due balance. Reporting the same mortgage obligation multiple times with conflicting data is inherently inaccurate and violates Experians duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). 

In addition, Experian continues to inaccurately report my XXXX XXXX XXXXXXXX account. This account contains incorrect and/or misleading information that was clearly disputed and remains unresolved. Experian has continued to publish this account without correcting or properly verifying the disputed data, constituting a separate violation of 15 U.S.C. 1681e ( b ) and 1681i ( a ). Simply re-reporting disputed information without resolving inaccuracies does not meet the legal standard for verification under the FCRA. 

If Experian claims it has verified these accounts, it must be able to identify which single tradeline is accurate and explain how multiple conflicting versions of the same obligation can lawfully coexist. Experian has failed to provide any meaningful explanation, documentation, or method of verification as required by federal law. The continued presence of these inaccuracies has caused ongoing harm to my credit profile and demonstrates a systemic failure to conduct a reasonable reinvestigation. 

Experian has been given multiple opportunities to correct these errors and bring my credit file into compliance. Its continued inaction and inaccurate reporting reflect willful noncompliance with the FCRA and leave me no alternative but to seek regulatory intervention. 
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 explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In 2019 I opened a credit card account with credit XXXX bank with a credit limit of XXXX dollars, i immediately noticed that this company had predatory business practices and had astronomical fees for everything on top of the high interest already attatched. Furthermore after closing the card they still kept adding interest to the balance letting it reach over XXXX XXXX before sending it to collections. This company has been problematic for many and I dont understand how theyre allowed to still be in business.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had first filled a dispute : with Experian in an attempt, to get them to rectify, and correct the confusion, and conflicting info on my credit report! Oh No! Experian has to keep hope alive, and continue to harm my credit report/scores, as well as myself, dignity, compassion/dedication for the truth, well-being, existence, and more certainly continue to bring harm to my health, by any means necessary, and at any cost! Look CFPB, this is what you'll needs to know, and be very much aware of ; Experian is in on, and part of the State of TX, being solely, and totally responsible for my massive XXXX of health declination, and crisis! Make no mistake about this, that, or the other! That's why Experian is handling this consumer ( XXXX XXXX ), the way it does, period! So therefore, when I filled any complaints, and disputes : with yourselves ( CFPB ), and with those XXXX  ( Experian ), they don't bit more care, than from the man, to the moon! They has to protect, and cover up ; for themselves, State of TX, and more importantly for the Creditors, Debt Buyers, and or Credit Collection Agencies! Point Blank, and Straight Up! Stupid is as XXXX Does! Now, the situation at hand is this! On several occasions, I had filled disputes, and complaints against this Creditor ( XXXX XXXX )! Either themselves or Experian wants to keep : furnishing, and displaying false, and illegal info! It's against the law ; to have conflicting info, engaging in double standards, and confusing info on a consumer 's credit report! Under my personal membership platform, under Experian the data is displaying, and showing somewhat : something differently from my credit report, directly from their app platform! Last, I can recall! I'm the same consumer, and the data is reflecting ; the same consumer and creditor ( XXXX XXXX )! So why is there any conflicting info, and somewhat different profiles, under anyone of Experian 's Platforms??? Furthermore, Experian is very much aware, provided proof, and knows of the following : XXXX XXXX 's past accts/debts has been closed, charged off, and went into delinquency, as well as sold/transferred to another buyer/collection agencies! In addition to that, they also are very much, aware of this : I'm a judgment proof debtor/consumer, being represented by legal counsel ( HELP ), and my legal counsel has sent out cease/desist letters to all parties, involved with those past accts/debts, period! At this gesture, that foolishness is water under the bridge, and totally irrelevant now, and forevermore!

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