vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
After being denied by XXXX for a short term loan, I contacted them and they stated that Transunion Credit agency denied the application due to no credit history. I contacted the Transunion Credit Agency to no avail and escalated my claim. They supervisor did not return my call. The other XXXX Credit Reporting agencies have my extensive credit history. XXXX XXXX XXXX verified that they have been sending my loan history on my XXXX XXXX XXXX to all three agencies. I have a Mortgage on my home that will be paid off in XXXX or sooner. I have XXXX open credit cards. I have an extensive credit history.

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 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: SC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I am requesting a reinvestigation of the following accounts and inquiries on my Experian credit report. I believe these entries may contain errors or inaccuracies, and I kindly ask that Experian review and correct or remove any unverifiable information. 

CHARGED-OFF ACCOUNTS XX/XX/XXXX, XXXX, XXXX, {$510.00} XXXX, XXXX * *, * * XX/XX/XXXX, {$2400.00} XXXX, XXXX * *, * * XX/XX/XXXX, {$4300.00} XX/XX/XXXX XXXX, XXXX * *, * * XX/XX/XXXX, {$0.00} XX/XX/XXXX XXXX, XXXX * * XXXX XXXX * XX/XX/XXXX, {$390.00} XX/XX/XXXX. XXXX XXXX, XXXX * *, * * XX/XX/XXXX, {$160.00} XXXX, XXXX * *, * * XX/XX/XXXX, {$12000.00} XX/XX/XXXX, XXXX * *, * * XX/XX/XXXX, {$0.00} INQUIRIES XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2025-11-21 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: FL

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : Equifax ( EQ ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XX/XX/XXXX XXXX Account Number : XXXX * * * *, Date : XX/XX/XXXX, Balance : {$11000.00} XX/XX/XXXX Account Number : XXXX * * * *, Date : XX/XX/XXXX, Balance : {$750.00} XX/XX/XXXX Account Number : XXXX * * * *, Date : XX/XX/XXXX, Balance : {$480.00} XX/XX/XXXXAccount Number : XXXX * * * *, Date : XX/XX/XXXX, Balance : {$21000.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX MIDATLNTC, Date : XX/XX/XXXX XX/XX/XXXX, Date : XX/XX/XXXX XX/XX/XXXX, Date : XX/XX/XXXX Equifax ( EQ ) : XXXX, Account Number : XXXX XX/XX/XXXX XXXX, Account Number : XXXX XX/XX/XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX, Account Number XXXX XXXX XX/XX/XXXX XXXX, Account Number XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: CA

Complaint narrative:
My mortgage company wrongfully foreclosed on my home. On XX/XX/year>, I submitted a complete loan modification package, as California law requires lenders to review such documents if received five days prior to a sale date. Following my submission, I called daily to confirm the status and was consistently informed that my application was under review. I was never notified that it had been declined due to a late submission ; instead, I was misled into believing the review process was ongoing. It was only on the morning of the sale, XX/XX/year>, that I learned my application had been denied, leaving me with no options and forcing me to relinquish my home. Had I been informed of the denial on XX/XX/XXXX, XXXX, or XXXX, I would have acted swiftly to either file for bankruptcy or attempt to sell the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 USC 1681 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable er inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX /XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX /XX/XX/XXXX XX/XX/XXXX /XX/XX/XXXX XX/XX/XXXX /XX/XX/XXXX XXXX * * * * * * * * XXXX XXXX XXXX XX/XX/XXXX- * * * * * * * * * * * XXXX XXXX * * * * * * XXXX XXXX XXXX XXXX * * * * * * * XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * XXXX * /XX/XX/XXXX XXXX * * * * * * * * * * * * * * * /XX/XX/XXXX XXXX * * * * * * * * * * * XXXX XXXX XXXX XXXX XXXX * * * * * * * * * /XX/XX/XXXX XXXX * * * * * * XXXX * * * * * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CO

Complaint narrative:
Had a major hit on my credit. After investigating come to find out there was a collection placed by a company called Eastern Account. XXXX for what was stated on a XXXX bill. XXXX account # XXXX. I could not get the full account # of the debt collection because the do not pick up the phone and have never seen a bill with that account #. Came to find out some one opned and commcast account at my house that I sold in XXXX. they did this XXXX of XXXX .I have been a XX/XX/XXXX cutomer for along time and curently. when i call XXXX i asked for a copy of the in voice or bill who sign from both XXXX and the individual. I was told twice they would call back once retrieved that info. no call back in 2 days. I believe someone at XXXX should be held accountable and also who the person is that approved. is. My phone # is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: NJ

Complaint narrative:
Unauthorized access to my credit report by several companies has directly damaged my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

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 2025-11-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: O&L LAW GROUP, P.L.
State: FL

Complaint narrative:
Unknown attorney collection agency attempting to collect an alleged debt with little to now information. This is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
Dear TransUnion, I am disputing the following charged-off accounts on my credit report. I believe these entries to be incorrect and request that they be reviewed and corrected : XXXX XXXX, Account Number : XXXX, Reported Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Reported Date : XX/XX/XXXX, Balance : {$160.00} XXXX, Account Number : XXXX, Reported Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Reported Date : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX, Account Number : XXXX, Reported Date : XX/XX/XXXX, Balance : {$1600.00} XXXX, Account Number : XXXX, Reported Date : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX, Account Number : XXXX, Reported Date : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX, Account Number : XXXX, Reported Date : XX/XX/XXXX, Balance : {$2100.00} I am disputing the following unauthorized credit inquiries. Please review their validity and remove any inaccuracies from my credit report : XXXX MO, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/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 2025-11-21 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-21 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MS

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 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Credence is reporting a XXXX  collection that is inaccurate. I did not receive any written notice or validation. The balance is incorrect, and the account is being reported without proper verification. I am requesting full validation and removal if Credence can not provide accurate, complete records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MO

Complaint narrative:
I am writing to formally dispute the continued reporting and accuracy of the following accounts on my credit report. These accounts are either inaccurate, obsolete, or unverifiable and must be removed in accordance with the Fair Credit Reporting Act ( FCRA 605 ( b ) ), which prohibits the reporting of outdated or inaccurate negative information. 
Please investigate and remove the following accounts : XXXXXXXX XXXXK Account # XXXX XXXX XXXX XXXX Account # XXXX These accounts are being reported in violation of FCRA 607 ( b ) and Metro 2 compliance standards, which require furnishers and credit bureaus to ensure maximum possible accuracy of all information reported. Any unverifiable or inconsistent data must be deleted immediately. 
I respectfully request that these accounts be fully investigated and, if found obsolete or unverifiable, removed within XXXX ( XXXX ) business days of receipt of this letter, as required under federal law. Continued reporting of inaccurate or unverifiable data constitutes willful noncompliance under FCRA 616 and 617.

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 2025-11-21 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-21 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: MS

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MS

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 2025-11-21 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: FL

Complaint narrative:
I am requesting that TransUnion reinvestigate the following accounts and inquiries on my credit report. I believe these entries may contain inaccuracies or unverifiable information, and I request that TransUnion review and either correct or remove them if they can not be properly validated. 

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

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