vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX  XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER : XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit 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 2025-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
A collection account from Fair Collections & Outsourcing is being reported on my credit report as open and with a balance. I previously disputed this account with the credit bureau, but it remains unchanged. I am requesting verification that this account is accurate and belongs to me. If the company can not verify it, the account should be removed from my credit report in compliance with the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting three inaccurate accounts ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ). XXXX shows contradictory status ( Paid, Closed and {$150.00} written off ) with comments that dont match. XXXX XXXX XXXX is unverifiable no contract or proof provided. XXXX XXXX is listed as a {$1200.00} collection with inconsistent reporting and no proof of validation. Prior disputes were not properly resolved. Under FCRA 611, these accounts must be deleted unless fully verified.

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 2025-09-11 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:
USC 1681g requires that these inaccurate entries be removed within 15 days.

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 2025-09-11 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 am submitting this follow-up complaint because Experian, Equifax, and TransUnion continue to report inaccurate and misleading information on my credit file despite my previous disputes. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ). 
The following items remain uncorrected : Inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are not associated with me and were erroneously added to my report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to block and remove information resulting from identity theft, fraud, or inaccurate reporting. These addresses must be deleted. 
Misreported account : XXXX XXXX XXXX XXXX Balance {$0.00}. This account is being reported as a charge-off despite showing a XXXX balance. This is misleading and violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report only accurate and complete information. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute this information and require either correction or deletion if unverifiable. 
Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries, and they were obtained without permissible purpose. Under FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ( a ) ( 3 ) ), consumer reports may only be accessed with proper authorization. These inquiries must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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 am submitting this follow-up complaint because Experian, Equifax, and TransUnion continue to report inaccurate and misleading information on my credit file despite my previous disputes. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ). 
The following items remain uncorrected : Inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses are not associated with me and were erroneously added to my report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I have the right to block and remove information resulting from identity theft, fraud, or inaccurate reporting. These addresses must be deleted. 
Misreported account : XXXX XXXX XXXX XXXX Balance {$0.00}. This account is being reported as a charge-off despite showing a XXXX balance. This is misleading and violates FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to report only accurate and complete information. Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute this information and require either correction or deletion if unverifiable. 
Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries, and they were obtained without permissible purpose. Under FCRA 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ( a ) ( 3 ) ), consumer reports may only be accessed with proper authorization. These inquiries must be removed.

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 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
There are collection accounts listed on my credit report that I believe contain incorrect information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-11 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: IN

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission.

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year>2025 I received a refund from XXXX XXXX XXXX XXXX XXXX that I had been waiting for since XX/XX/scrub> 2025. 3 days prior I had made the Citi Bank aware of that via a telephone call to them. 
When the money came throught at around XXXX on the XXXX. They arbitrarily freezed my account. 
No explanation. No allowance of the money. Nothing. 
The merchant credit posted was was {$330.00} Customer account balance as of XX/XX/year>2025 is XXXX Now without access to my account online or in person this not good. I am aware of these numbers do to email cutom alerts coming through to my email. BUT THEY WILL NOT SPEAK WITH ME ON PHONE OR IN PERSON GIVE ME MY MONEY AND I NEED HELP.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
there some info on my credit report thats not mine

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 2025-09-11 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:
I keep finding inaccurate accounts on my credit reports, and none have been taken off. I am pleading for all attached documents to be checked in detail so I can finally be free from this constant concern.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-11 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: MS

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-09-11 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC
State: IA

Complaint narrative:
XXXX XXXX Account ending XXXX ( Original Creditor : American Credit Acceptance ) Reported as Collection {$10000.00}. 
Violations : No proof of ownership or assignment of debt provided. Unverifiable debt collection violates FCRA 1681i and FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ). Delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On XX/XX/XXXX PNC bank misapplied my additional principal check # XXXX written for {$610.00}. On XX/XX/XXXX PNC misapplied my additional principal check # XXXX for {$610.00}. 
Additional interest payments were applied because the checks were split out and the account was not corrected. 
On XX/XX/XXXX PNC bank misapplied additional principal check # XXXX written for {$610.00} after bank agent XXXX XXXX said it would not happen. 
On XX/XX/XXXX PNC bank misapplied my principal check # XXXX written for {$610.00}, after the bank kept the payment in their safe for 5 days! 
All checks were different from the regular mortgage payment which was paid on a separate check. 
Due to PNC error, both XXXX and XXXX 1099 forms were not accurate and more importantly, the principal balance on the loan is not correct. Now, after 18 months of dealing with this there is about a {$3000.00} difference between online bank statements, and paper statements which the bank will not mail out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
The escrow was supposed to be removed from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
This is a follow-up complaint regarding Resurgent Capital Services and LVNV Funding, LLCs handling of CFPB Case # XXXX. Their XX/XX/year> response fails to resolve the issues and contains direct contradictions that demonstrate ongoing violations of the FDCPA and FCRA. 

Contradictory Statements About Credit Reporting On XX/XX/year>, Resurgent admitted in writing : Currently, this Account is being reported to the credit bureaus However, a request to delete the Current Owners trade line will be submitted In their XX/XX/year> response, they now claim : Currently, however, the Current Owner is not reporting the Account to the credit bureaus Resurgent second cfpb response. 
Both statements can not be true. The fact that the tradeline continues to appear on my credit reports proves their latest statement is false and misleading in violation of FDCPA 1692e and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ). 

Failure to Remove Inaccurate Reporting Despite promising deletion, the tradeline remains. Under FCRA 623 ( a ) ( 2 ) and 623 ( b ) ( 1 ) ( E ), furnishers are required to correct and update inaccurate or incomplete information. Their failure to do so is an ongoing violation. 

Improper Validation As stated previously, the account summaries and generic XXXX XXXX terms they provided do not constitute proper validation under 15 U.S.C. 1692g ( b ). No contract with my signature, no itemized accounting, and no proof of ownership chain has been provided. Their refusal to provide the purchase/assignment agreement further undermines their claim of standing. 

Cease Communication Acknowledgment Resurgent admits I submitted a cease-communication request. Under FDCPA 1692c ( c ), they must cease collection activity. Continuing to furnish tradelines after acknowledging such a request constitutes prohibited collection activity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
I started my application on XX/XX/year> or earlier and twice the app stated to wait 24 hours for a answer now it is stuck on wait 24 hours for answer. I called twice XXXX -- XXXX and was told that someone would call me back twice they would transfer me to different people on the phone. I would hang and wait for Avant to call me back no one never calls. I never heard of this ever before just to get a credit card you have to wait for a call back. Here 's their information : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Principle contact XXXX XXXX and XXXX XXXX fax XXXX other address Illinois Department of Financial and Professional Regulation XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX The Avant Credit Card payment : XXXX XXXX XXXX XXXX XXXX IL XXXX and other addresses.

Company response to consumer: Closed with explanation