vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX Bank ( XXXX AUTO ). The auto loan account in question was repossessed, subsequently redeemed, and the vehicle was returned to me. The account was then fully resolved and is reported as Paid, Closed. Despite this, XXXX XXXX continues to report a Redeemed repossession remark along with multiple 30-day late payments reported near the time of closure. This reporting is inaccurate and misleading because the repossession was not final, the vehicle was returned to me, and the account was ultimately paid and closed. Additionally, the reporting of unresolved delinquency conflicts with the final paid status of the account and does not accurately reflect the true outcome of the loan. Late payments reported after or around the redemption are inconsistent with the accounts resolution and raise serious concerns regarding the accuracy and verification of the information being furnished. This account was previously disputed with the credit reporting agency, yet XXXX XXXX has continued to furnish the same inaccurate information.

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 2025-12-15 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: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$50000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX Late Payments XXXX  Account Number : XXXX XXXX XXXX  Account Number : 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 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
I am disputing the accuracy of a debt that is being reported and collected. The account is being reported with inconsistent and inaccurate information, including the balance, original creditor, and account opened date. After I disputed this account, it was transferred to another debt buyer and is now being reported as newly opened in XX/XX/year>, which does not reflect the original account history. 

The balance being reported has also changed, and the original creditor information is inconsistent across reports. I do not recognize the current reporting as accurate and the debt has not been properly validated. 

I am requesting full validation of this account, including the correct original creditor, the date of first delinquency, the chain of assignment, and an explanation of how the balance was calculated. If this information can not be verified, I am requesting correction or deletion of the account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Midland credit management collection agency has reached out to me and tried to collect the old debt that they are not the original debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: WA

Complaint narrative:
In XX/XX/XXXX I noticed Equifax had knocked off XXXX points on credit score they claim a {$44.00} Balance is an unpaid balance it is not it is the Balance on the Statement which I have receipts for was a charge purchase transaction date XX/XX/XXXX posted on XX/XX/XXXX and paid on XX/XX/XXXX in full with my other purchases for the month. I have had this card for 5 years and it is always paid in full each month no exceptions for 5 years which I have receipts. I have never paid any finance/interest charges ever which is why XXXX gave me a low interest rate. This is the 2nd time Equifax has done this to me they tried a few years back and after months they finally fixed it. They also last year had an incorrect name and birthdate they finally fixed the birthdate but now I have no name on my account. Unbelievable!! I have had nothing but issues with this scam company. They don't speak XXXX and your never able to sent documents to them ever. I was involved with their data breach and a class action lawsuit against them. They are just getting worse. I have XXXX XXXX with XXXX and unfortunately they use Equifax. Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to investigate the accuracy of disputed information and take steps to ensure consumers credit reports are accurate. For example, consumer reporting agencies must provide notice of a consumer dispute to the furnisher who provided the disputed information, conduct reasonable investigations to determine whether the disputed information is inaccurate, and provide the results of the investigation to the consumer. Failing to thoroughly investigate consumer disputes : Equifaxs process for submitting disputes limits the ability of consumers to fully and accurately describe their disputes. In many cases, Equifax also failed to consider relevant information submitted by consumers, sometimes not looking at the information at all. Then, after Equifax forwarded information about a dispute to a furnisher, it did not meaningfully consider whether the furnishers response made sense, sometimes ignoring information it had that contradicted the furnishers response. Finally, the resulting letters Equifax sent to consumers sometimes contained confusing or contradictory statements, such as both this has been verified as accurate and this item has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AL

Complaint narrative:
I just want to Follow up these multiple inaccuracies and inconsistencies on my credit reports that violate the Fair Credit Reporting Act ( FCRA ). My rights under FCRA 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( b ), 605 ( a ) and 605 ( c ), and 607 ( b ) entitle me to accurate reporting and a full reinvestigation of disputed accounts. Accounts in dispute : XXXX XXXX XXXX XXXX Acct. ending XXXX ) XXXX, balance XXXX XXXXXXXX {$280.00}. Date of Last Activity is reported inconsistently : Experian XX/XX/XXXX, Equifax XX/XX/XXXX, TransUnion XX/XX/XXXX. These discrepancies suggest inaccurate reporting and failure to update the account properly. XXXX XXXX XXXX ( Acct. ending XXXX ) CLOSED, balance {$0.00}. Date of Last Activity : Equifax XX/XX/XXXX, TransUnion XX/XX/XXXX. The account is marked current, yet a XXXX late payment remains in the seven-year history, which may constitute obsolete or inaccurate information under 605 ( a ) and 605 ( c ). XXXX XXXX ( Acct. ending XXXX ) CHARGEOFF, balance {$690.00}, Date of Last Activity XX/XX/XXXX, but not reported on Equifax or TransUnion. This inconsistent reporting violates 607 ( b ) and 623 ( a ) ( 1 ) ( A ), and if any portion of the debt was forgiven over {$600.00}, a Form 1099-C should have been issued. Under 15 U.S.C. 1666 and 1666a, creditors are prohibited from reporting disputed amounts as delinquent while an investigation is pending. I am requesting that the credit bureaus and data furnishers conduct a full reinvestigation of these accounts, verify all reported information, and correct or delete any data that can not be fully substantiated. I also request written confirmation of the investigation results and an updated copy of 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 2025-12-15 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to arrange for a bi-weekly payment arrangement with Amerihome Mortgage company. I was aware that I needed to be current on said mortgage, so I called the day after I made my payment for XXXX. As part of this call, the customer service rep guaranteed me the next payment due would be XX/XX/XXXX. XXXX, since the XXXX payment was already made. However, on XX/XX/XXXX, the payment was deducted from my bank account ; in effect requiring me to make a double mortgage payment in order to make this arrangement. The customer service rep did not have the authority, know-how, or training to remedy this situation. So I opted to cancel the bi-weekly payments and revert back to payments due on the first of the month, but I was required to send documentation that the aforementioned amount had already been deducted from my bank account. Can't the mortgage company determine on their end that the payment went through? So many customer service issue here, one of which might be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio recovery is trying to collect on a debt from XXXX from XXXX XXXX that gave me credit card for XXXX XXXX. 
I have told them many times that I will not pay this debt. I have blocked their numbers and they continue to call and waste my time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I have no way to contact Robinhood tech support, the phone number directs me to open the app and then use the chat. The problem is I cant open the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: NV

Complaint narrative:
Looking through my original loan documents with goodleap for solar and comparing with my monthly statement, the company is charging a good amount more than my original loan was set for in both interest and monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-15 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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I am submitting this complaint due to materially inaccurate credit reporting involving late payments and incorrect balance utilization. 



Certain revolving credit accounts are being reported with late payments and balances that exceed the actual credit limits assigned to those accounts. These reports falsely indicate that I am over my credit limit and delinquent, even though : All payments have been made on time No account has exceeded its approved credit limit No contractual late payment has occurred The reporting of balances that exceed the credit limit is factually inaccurate and creates a false appearance of over-utilization and delinquency. This constitutes inaccurate reporting under the Fair Credit Reporting Act. 



I have previously disputed this information, yet it continues to be reported without proper verification or supporting documentation. The continued reporting of inflated balances and false late payments indicates a failure to conduct a reasonable investigation as required under FCRA 611, as well as a failure by the furnisher to ensure maximum possible accuracy under FCRA 623.

This inaccurate reporting is materially misleading, substantially damaging my credit profile, and directly impacting my access to credit and financial opportunities. 



I am disputing the accuracy, completeness, and legal reportability of these items and request immediate regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized personal information currently being reported on my credit file with your agency, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and my federally protected Right to Privacy. Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies are legally required to maintain only accurate information and ensure the maximum possible accuracy of consumer data. Furthermore, the FCRA prohibits the inclusion of obsolete, unverifiable, or irrelevant personal information, including addresses and employers that are not demonstrably and directly associated with the consumers credit history. Incorrect Information Reported : Name Variations The only authorized and correct name that should appear on my credit report is : XXXX XXXX XXXX Any other name variation must be permanently removed as it is incorrect and misleading. Addresses The only address that should appear on my credit file is : XXXX XXXX XXXX XXXX, Michigan XXXX Any other addressesincluding but not limited to : XXXX XXXX XXXX XXXX, MI XXXX Any previous address listings without proper verification or association with my credit history must be removed immediately as they are erroneous and constitute a violation of FCRA provisions. Legal Basis for This Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under the FCRA, you are obligated to : Ensure the maximum possible accuracy of the information in my file ( 1681e ( b ) ) Correct or delete any information found to be inaccurate or unverifiable within 30 days of this notice ( 1681i ( a ) ) Refrain from violating my Right to Privacy by publishing or reporting personal data without my consent or in the absence of a permissible purpose.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Formal Complaint Violations of the Fair Credit Reporting Act I am submitting this formal complaint against Experian, Equifax, and TransUnion for repeated violations of the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ).

Despite submitting disputes and allowing the required investigation period, the credit reporting agencies have failed to ensure maximum possible accuracy, have reported unverifiable information, and have maintained inconsistent identifying data, causing financial and reputational harm.

Specific Violations Include : 1. Failure to Maintain Accurate Personal Information ( 15 U.S.C. 1681e ( b ) ) My date of birth is inconsistently reported across bureaus.

One bureau reports only the year, while others report my full date of birth. 
This inconsistency creates identity integrity issues and violates accuracy standards.

2. Reporting of a False Also Known As Name ( 15 U.S.C. 1681e ( b ) ) The name XXXX XXXX XXXX is reported on my credit file. 
I have never used, authorized, or been legally associated with this name. 
This constitutes mixed-file contamination, a known and prohibited practice. 
3. Reporting Unverified Employer Information ( 15 U.S.C. 1681a & 1681e ) Multiple employers are reported that I do not recognize or never worked for.

These entries were included without verification or documentation.

4. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ) Disputed items were not fully corrected or deleted.

No proper explanation or verification documentation was provided.

Harm Caused : Credit denials Higher interest rates Emotional distress Damage to reputation Increased risk of identity misattribution Requested Resolution : Immediate deletion of inaccurate and unverifiable information Written confirmation of compliance Correction of all personal identifying data Assurance of procedures preventing future violations If these issues are not resolved promptly, I reserve the right to pursue civil remedies under 15 U.S.C. 1681n and 1681o. 
Sincerely, 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