vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX Date : XX/XX/XXXXXXXX  To : TransUnion, Experian, Equifax [ Credit Bureau XXXX ] Subject : Formal Dispute of Inaccurate Late Payment Reporting under FCRA Dear, I am writing to formally dispute inaccurate information on my credit report as provided by XXXX  XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX  ). According to my records, this account has always been maintained in good standing. However, your report reflects late payments ( codes 30, 60, 90 ) for various months in XXXX  and XXXX, which I strongly contest as inaccurate and unverifiable. 
The following issues exist : 1. Inconsistent Reporting : o TransUnion and Experian report several months of late payments ( 30/60/90 days ), while Equifax shows the same months as OK or not late, which indicates reporting discrepancies across bureaus.

2. Violation of FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : o The Fair Credit Reporting Act mandates that credit reporting agencies must ensure maximum possible accuracy of the information they report. These conflicting statuses can not be simultaneously accurate and therefore violate this statute.

3. Violation of FCRA 611 ( 15 U.S. Code 1681i ) : o This section gives me the right to dispute inaccurate or unverifiable information, and XXXX XXXX is legally required to investigate and delete any information that can not be verified as 100 % accurate.

4. Furnisher Liability FCRA 623 ( 15 U.S. Code 1681s-2 ) : o The data furnisher ( XXXX  XXXX ) is also in violation for furnishing inaccurate and conflicting information across multiple bureaus. Reporting differing statuses to the three major bureaus is misleading and damaging. 

Demand for Immediate Deletion : As the data reported is clearly inconsistent, inaccurate, and unverifiable, I hereby demand the immediate deletion of the derogatory late payment entries associated with this XXXX XXXX account. Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and explore legal remedies for continued reporting of false information, including damages for reputational and financial harm. 
I have attached a copy of my credit report highlighting the errors, along with a copy of my ID and proof of address for your verification. 
I expect a full resolution of this matter within the 30-day investigation period, as required by law.

Sincerely, XXXX XXXX Supporting Attachments : Copy of highlighted credit report ( showing late payment discrepancies ) Copy of government-issued ID Proof of address

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 2025-07-13 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: OH

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 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 2025-07-13 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: OH

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 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 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
Account : XXXX XXXX XXXX Account # XXXX. Im unaware of this debt and did not have the opportunity to dispute this account, as you failed to provide proper validation notice, in violation of 15 USC 1692g ( a ). 
If you believe you have complied, please provide proof of delivery via Certified Mail with receipt displaying my signature. If such documentation can not be provided, this constitutes a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, including 15 U.S.C. 1692g ( b ) and 1681s-2 ( b ). 
I request that this Account # XXXX be immediately deleted from my credit report, or I will be forced to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reporting fraudulent accounts and inquiery found in my credit report. XXXX ) XXXX XXXX Account XX/XX/XXXX XXXX ) XXXX XXXX XXXX Accoun XX/XX/XXXX XXXX ) XXXXXXXX XXXX  inquiery XX/XX/XXXX Pleace remove these from my credit report.Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
I am reporting fraudulent accounts and inquiery found in my credit report. XXXX ) XXXX XXXX Account XX/XX/XXXX XXXX ) XXXX XXXX XXXX Accoun XX/XX/XXXX XXXX ) XXXXXXXX XXXX  inquiery XX/XX/XXXX Pleace remove these from my credit report.Thank You

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 2025-07-13 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: NC

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
My insurance paid this balance that's owe I do not owe any amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint due to inaccurate, harmful, and potentially unlawful credit reporting of a foreclosure on my property by XXXX XXXX, XXXX and Affiliates and the XXXX major credit bureaus : Experian, Equifax, and TransUnion. 

I have attached certified court documents dated XX/XX/year> that prove I was never legally served during the foreclosure process. The court record clearly shows Unserved and Still in Possession to this day. Additionally, the XXXX XXXX XXXX document is blank with no valid proof of service filed. A stamped writ was also issued without due process. These are not assumptions they are verified, clerk-stamped legal facts. 

Despite this, the bureaus are reporting the foreclosure with conflicting remarks : XXXX bureau reports Foreclosed Another reports Redeemed Another shows Foreclosed Collateral\nThese inconsistencies violate my right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). 

The harm has already taken place : - My XXXX XXXX has dropped over XXXX points following this report. 
- I have been denied financial opportunities, including housing and auto loans. 
- My son, who has no connection to the home, has been denied credit and appears to be impacted through retaliatory or associated red flagging, despite no cause. 

I have submitted disputes to all three credit bureaus along with certified legal documentation. This CFPB complaint is being filed simultaneously because this issue is not a mistake its negligence and fraud. I am pursuing all legal remedies under federal and state law, including : FCRA XXXX ( b ) Failure to ensure maximum possible accuracy FCRA XXXX Failure to conduct a reasonable reinvestigation FCRA XXXX ( b ) Failure of furnishers to investigate disputed information ANY Attempts to alter the docket or quietly fix the record after the fact will be viewed as evidence of concealment or bad faith. Any such efforts will be met with further legal action. 

All communication regarding this matter must be in writing. Do not attempt to call me. 
Please send all responses to my official mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, TX XXXX Please note : This is not the full scope of violations. I am actively pursuing all legal and equitable remedies under XXXX and XXXX law. Every participant involved in the mishandling will be held accountable for the harm caused. This CFPB filing is only the beginning. I have remained in honor and patient long enough. I expect a response and resolution under full compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint due to inaccurate, harmful, and potentially unlawful credit reporting of a foreclosure on my property by XXXX XXXX, XXXX and Affiliates and the XXXX major credit bureaus : Experian, Equifax, and TransUnion. 

I have attached certified court documents dated XX/XX/year> that prove I was never legally served during the foreclosure process. The court record clearly shows Unserved and Still in Possession to this day. Additionally, the XXXX XXXX XXXX document is blank with no valid proof of service filed. A stamped writ was also issued without due process. These are not assumptions they are verified, clerk-stamped legal facts. 

Despite this, the bureaus are reporting the foreclosure with conflicting remarks : XXXX bureau reports Foreclosed Another reports Redeemed Another shows Foreclosed Collateral\nThese inconsistencies violate my right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). 

The harm has already taken place : - My XXXX XXXX has dropped over XXXX points following this report. 
- I have been denied financial opportunities, including housing and auto loans. 
- My son, who has no connection to the home, has been denied credit and appears to be impacted through retaliatory or associated red flagging, despite no cause. 

I have submitted disputes to all three credit bureaus along with certified legal documentation. This CFPB complaint is being filed simultaneously because this issue is not a mistake its negligence and fraud. I am pursuing all legal remedies under federal and state law, including : FCRA XXXX ( b ) Failure to ensure maximum possible accuracy FCRA XXXX Failure to conduct a reasonable reinvestigation FCRA XXXX ( b ) Failure of furnishers to investigate disputed information ANY Attempts to alter the docket or quietly fix the record after the fact will be viewed as evidence of concealment or bad faith. Any such efforts will be met with further legal action. 

All communication regarding this matter must be in writing. Do not attempt to call me. 
Please send all responses to my official mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, TX XXXX Please note : This is not the full scope of violations. I am actively pursuing all legal and equitable remedies under XXXX and XXXX law. Every participant involved in the mishandling will be held accountable for the harm caused. This CFPB filing is only the beginning. I have remained in honor and patient long enough. I expect a response and resolution under full 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 2025-07-13 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: PA

Complaint narrative:
My mother approached me asking me to co-sign a loan for her. I looked at the terms and they determined I did not make enough to co-sign on the loan as at the time I was in school XXXX  time and did an unpaid internship. My mom started school and had to withdraw as the funds were not dispersed. Later that year I get phone calls from the company saying I missed a few payments and it will be going into collections soon. To my knowledge I should not have been co-signed on the loan and when I called the school the funds were never dispersed. I kept receiving calls and emails from the company and when I tried speaking to a representative they said my loan was sold to a collection agency.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Climb Credit Inc.
State: PA

Complaint narrative:
My mother approached me asking me to co-sign a loan for her. I looked at the terms and they determined I did not make enough to co-sign on the loan as at the time I was in school full time and did an unpaid internship. My mom started school and had to withdraw as the funds were not dispersed. Later that year I get phone calls from the company saying I missed a few payments and it will be going into collections soon. To my knowledge I should not have been co-signed on the loan and when I called the school the funds were never dispersed. I kept receiving calls and emails from the company and when I tried speaking to a representative they said my loan was sold to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I am filing this complaint against MRS BPO , LLC for repeated and willful violations of the Telephone Consumer Protection Act ( TCPA ) and the Fair Debt Collection Practices Act ( FDCPA ).

MRS BPO , LLC has sent me 20 unauthorized text messages to my personal cell phone in connection with a debt collection attempt. On XX/XX/year>, I issued a formal cease and desist request under 15 U.S. Code 1692c ( c ), explicitly revoking any consent and demanding that they stop all communications.

Despite this, they continued to send unsolicited text messages, which constitute : A willful violation of the TCPA ( 47 U.S.C. 227 ) by continuing to text without consent A violation of the FDCPA ( 15 U.S.C. 1692c ( c ) ) for contacting me after a cease and desist Harassment under 15 U.S.C. 1692d due to the repeated nature of unwanted contact These repeated communications caused significant stress, inconvenience, and harassment. I have retained screenshots, timestamps, and records of every message, as well as a copy of my cease and desist notice with proof of delivery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: OH

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief