vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
They have a charge off on the account meaning paid on their end never received a 1099c from them and nothing with my signature on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
On XXXX XXXX, XXXX, approved a repayment plan for {$4300.00} ; this amount includes regular mortgage payment of {$1600.00}. Mortgage company ( Fay Servicing ) states owe from XX/XX/XXXX - XX/XX/XXXX. I explained on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX of XXXX, I paid XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX mortgage payment totaling {$4300.00}. I asked for the plan to be adjusted reflecting payments already made. I forwarded bank e-bill payment activity for proof of payment. I requested the ledger and cooperated advance charges that was told mailed out, but as of XXXX XXXX, XXXX, have not received. In addition, I asked why not received a detail calculation of how the repayment plan arrived ; I only received a letter stating what to pay with no explanation. Response was " Fay Servicing figures are always right. '' Then, I received response saying the monies paid was post-petition. However, I explained payments from XX/XX/XXXX - XX/XX/XXXX, were post-petition payments that were paid in full. The current missing payments are separate and due from XX/XX/XXXX - XX/XX/XXXX. Mortgage payments made for XX/XX/XXXX - XX/XX/XXXX. Last communication was XXXX XXXX, XXXX, that ended in being shouted at with the representative saying, " I been doing this for 30 years and Fay Servicing 's figures are always right, so what proof do I have, the bank statements. '' So, if bank activity not proof, then what is considered proof. Lastly, I asked during the XXXX XXXX call, of the new mortgage payment effective XXXX XXXX, XXXX, reduced by {$100.00} to {$1500.00}, so why I paying {$1600.00} as regular payment in repayment plan? Escrow was analyzed XXXX XXXX, XXXX ; representative state that was on the payments that were never received, however the repayment plan is to recover those missing payments and to include the regular monthly payment that should reflect the new XX/XX/XXXX, payment. I asked for a new financial representative. However, I have not received no communication from Fay Servicing. All communication emailed to XXXX. Contact is a XXXX XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

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 2025-11-26 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-26 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:
I'm writing to dispute inaccurate personal information that's currently being reported on my credit file. After reviewing my report, I noticed that some of the details under my personal information section including name variation ( s ), addresses, or possibly even employment data are incorrect and not associated with me.

Let me be clear : I dont live at those addresses, I never used those name variations, and if theres employment or other identifying information listed that doesnt match up with my actual history, then it should have never been there in the first place. This kind of inaccurate personal information is not only misleading, its affecting how my report is matched with accounts, and it opens the door to errors, confusion, or worse identity mix-ups.

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 2025-11-26 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: GA

Complaint narrative:
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! 


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 explanation
Consumer complaint received 2025-11-26 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: MS

Complaint narrative:
i am sending a dispute to all 3 cras, equifax, transunion, and experian for method of reinvestigation of inaccurate information for personal information, unauthorized inquiries, and inaccurate accounts to be deleted from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: MS

Complaint narrative:
i am sending a dispute to all 3 cras, equifax, transunion, and experian for method of reinvestigation of inaccurate information for personal information, unauthorized inquiries, and inaccurate accounts to be deleted from all credit reports.

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 2025-11-26 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT 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 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 explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I paid a Cash App user ( XXXX XXXXXXXX / XXXX XXXX ) {$350.00} for a towing service we agreed upon through messages. I provided Cash App with screenshots showing : the agreed-upon price for the service the Cash App username tied to the same phone number he used to message me confirmation that he received my payment my attempts to schedule the service afterward the fact that he stopped responding on all platforms despite being active online the fact that he never provided the service or refunded me This is a clear case of deception and service-not-provided fraud. Cash App denied my initial claim and my escalated claim without properly addressing the evidence. 

I followed Cash Apps scam-reporting process exactly and provided complete documentation. 

Despite this, Cash App refused to reimburse me and stated they couldnt confirm it was a scam, even though the evidence clearly shows the user intentionally took my payment and never provided any service. 

I am requesting that the CFPB review Cash Apps handling of this dispute and require them to properly investigate and refund the {$350.00} XXXX lost due to this deceptive transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: CO

Complaint narrative:
Back in XXXX I believe my card was skimmed, Im not 100 % sure but either way my account was accessed and money was fraudulently spent in my Skrill account. When I noticed this issue I immediately cancelled my card. I wasnt sure exactly how to report this because their website is a bit confusing and most times when I call the support number I get disconnected or no one answers. I figured out eventually how to make the disputes and did not hear back for a while. I checked back and they said they never recieved them. That is when I went ahead and filed yet again more disputes with the agent. I tried messaging them within the app to check the status of my disputes and never received any reply. I just as of recently recieved an email stating the transactions were found to be authorized, but I even have proof that my card was compromised due to the fact that every single day SINCE I CANCELLED my old card, there are transactions multiple transactions being attempted DAILY with that old card because I see them in my transactions except this time they decline due to the fact that I cancelled that card finally. I dont understand how the transactions were authorized when the proof clearly shows they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
TransUnion is reporting my credit utilization as XXXX %. First this is mathematically impossible. I have open revolving credit account. I have XXXX long term debt ( DofE ). This right here is defamation of character on my credit reports

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 2025-11-26 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-11-26 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 filing a complaint as the verified owner of this credit file to formally dispute and request the immediate removal of numerous inaccurate and unauthorized inquiries reported on my Experian, Equifax, and TransUnion credit reports, as these inquiries were either unauthorized, inaccurately reported, or otherwise violate my rights under FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) ; on Experian, the following inquiries were reported without my authorization and must be removed immediately : 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 on Equifax, the following inquiries must be removed : 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  ; and on TransUnion, the following inquiries are also inaccurate and XXXX be removed immediately : 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 ; these inquiries were never authorized by me, are inaccurate, and their continued presence violates FCRA 619, 604 ( a ), and 604 ( f ), creating false representations of my credit activity and adversely affecting my creditworthiness. I have attached supporting documentation proving my ownership of this file and evidence showing that none of these inquiries were authorized.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are unacceptable.

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 2025-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: AMERICAN PORTIFOLIO MORTGAGE
State: TX

Complaint narrative:
I went under contract and long story short Friday was our last day for option. To get my earnest money back for {$2000.00} we had small hiccups during the process that couldve easily been resolved at time being everything. My mortgage loaner told me to do I did. He worked at his pace and he was over the road driving on vacation. Im guessing when the very last hiccup was resolved he didnt look at it completely thorough so coming Monday after the option period had passed to get my earnest money back. He said it was a no deal and my debt to income ratio wasnt going to be able to be accepted so now Im just fighting to get my {$2000.00} in earnest money back and hes not taking responsibility for his power, his experience enable to get my money back or pull us out the contract in time for the {$2000.00} earnest money to still be returned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
This is not my account, and it appears on my report in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am filing this complaint because the information reported by the credit bureaus contains multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically involving inaccurate, misleading, and unverified data. The XXXX accounts are being reported inconsistently across Experian, Equifax, and TransUnion, all showing a {$0.00} balance and a current status, yet each bureau reports a different and conflicting Date of Last Activity ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), which violates FCRA 602 ( A ) ( maximum accuracy ), FCRA 607 ( b ) ( duty to assure accuracy ), FCRA 605 ( b ) ( 1 ) ( A ) ( outdated or incomplete information ), and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers must not report false or misleading information ). In addition, XXXX accounts are being falsely reported as 30 days late for XX/XX/XXXX on both Experian and TransUnion, despite these payments being made on time, which again violates FCRA 607 ( b ) and FCRA 623 ( a ) ( 2 ) ( duty to correct and update information ). These late payments are inaccurately listed and damaging my credit standing despite being factually incorrect. Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute any item that is inaccurate, incomplete, or unverifiable, and the bureaus and furnishers must conduct a reasonable reinvestigation within the legally mandated timeframe. Furthermore, if the information can not be verified, FCRA 611 ( a ) ( 5 ) requires the deletion or correction of all disputed data. The continued reporting of these inaccuracies suggests a failure to reasonably investigate under FCRA 1681i ( a ) and constitutes negligent or willful noncompliance under FCRA 616617. I am requesting immediate action because these erroneous entries are materially harming my credit score, creditworthiness, and ability to obtain financial products.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint because the information reported by the credit bureaus contains multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically involving inaccurate, misleading, and unverified data. The XXXX accounts are being reported inconsistently across Experian, Equifax, and TransUnion, all showing a {$0.00} balance and a current status, yet each bureau reports a different and conflicting Date of Last Activity ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), which violates FCRA 602 ( A ) ( maximum accuracy ), FCRA 607 ( b ) ( duty to assure accuracy ), FCRA 605 ( b ) ( 1 ) ( A ) ( outdated or incomplete information ), and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers must not report false or misleading information ). In addition, XXXX accounts are being falsely reported as 30 days late for XX/XX/XXXX on both Experian and TransUnion, despite these payments being made on time, which again violates FCRA 607 ( b ) and FCRA 623 ( a ) ( 2 ) ( duty to correct and update information ). These late payments are inaccurately listed and damaging my credit standing despite being factually incorrect. Under FCRA 611 ( a ) ( 1 ) ( A ), I have the right to dispute any item that is inaccurate, incomplete, or unverifiable, and the bureaus and furnishers must conduct a reasonable reinvestigation within the legally mandated timeframe. Furthermore, if the information can not be verified, FCRA 611 ( a ) ( 5 ) requires the deletion or correction of all disputed data. The continued reporting of these inaccuracies suggests a failure to reasonably investigate under FCRA 1681i ( a ) and constitutes negligent or willful noncompliance under FCRA 616617. I am requesting immediate action because these erroneous entries are materially harming my credit score, creditworthiness, and ability to obtain financial products.

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