vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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 am submitting this complaint because the information being reported by the credit bureaus is inaccurate, incomplete, and causing harm to my credit profile. I am requesting a full investigation and correction/removal of all information that can not be verified according to the FCRA. 
Charged-Off / Negative Accounts Dispute The following accounts are being reported inaccurately and require full verification. Several accounts show incorrect dates, balances, ownership, or appear duplicated or incomplete. Some accounts report a {$0.00} balance but still appear as negative or charged-off, which is misleading and violates accurate reporting standards. 

XXXX XXXX XXXX XXXX Reported XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX Reported XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} These accounts either : Do not match my records, Contain incorrect dates or balances, Are outdated, or Can not be verified by the furnishers. 

I request deletion of any item that can not be fully validated. 

2. Hard Inquiries Dispute The following inquiries were not authorized by me or were the result of dealerships pulling my credit multiple times without my consent. They should be removed. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. Late Payments Dispute These accounts contain late payments I do not recognize, were already resolved, or were reported in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request validation of the dates and records. Any unverifiable late payment should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
The record contains incomplete and inaccurate information relating to my financial history. I request a detailed assessment and necessary corrections.

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 2025-12-02 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: CA

Complaint narrative:
I am not associated with these accounts ; they must be removed within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND Credit Management is reporting a XXXX $ medical debt that was removed from my credit last year, it seems they have listed another larger previous debt as closed and are mixing the two up inaccurately. The medical debt is past the 4 year statute of limitations for the state of Texas for that type of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I was listed as a co-signer on the lease, and the lease was ultimately broken by the primary resident. Afterward, I was contacted by XXXX XXXX and informed that I owed a balance of {$10000.00}. I immediately began a payment plan with XXXX and remained committed to resolving the debt. However, in XX/XX/year>, when I attempted to make my next payment by phone, I was told that XXXX no longer managed the account and that I needed to contact the property directly. 

When I reached out to the property, XXXX XXXX, I was informed they had no record of the debt being transferred and could not provide any details regarding a new debt owner. I never received a letter, email, phone call, or any formal notification that my account had been assigned to QUALIA COLLECTION SERVICE. I only learned of this new collector after reviewing my credit report. No attempts were made to contact me about the transfer, despite my good-faith effort to continue making payments. 

The new reported balance is {$8300.00}. Because I had already established a payment plan and was actively paying, I believe this collection account is unjust and the result of poor communication and failure to notify me on the part of QUALIA COLLECTION SERVICE. I was willing to pay and never intended for this debt to appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I am writing to formally dispute the following accounts and inquiries that are currently reported on my credit report. I believe these items are incorrect and require immediate investigation and correction as per the Fair Credit Reporting Act ( FCRA ). Please find the details of each disputed account below, separated by each credit bureau. 

Charged-Off Accounts Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$4100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-02 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: WI

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Formal Complaint / Urgent Request Wells Fargo / CFPB Subject : Urgent Request : Fraud Case and Account Access Blocked Personal Information : Full Name : XXXX XXXX XXXX XXXX Account Number ( last XXXX digits ) : [ XXXX ] Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone Number : XXXX Email : XXXX Complaint Details : Dear Wells Fargo / CFPB Team, I am submitting a formal complaint regarding a serious issue that has blocked my access to my bank account. The details are as follows : A few weeks ago, an unauthorized transaction occurred on my debit card. 

I immediately contacted the bank, and for security, my card was blocked. 

To request a new card, I updated my address and phone number. However, my number was not enabled to receive verification codes via SMS, which completely blocks my account access. 

I opened a case with customer service and was informed it would be resolved within XXXX business days, a period that has already passed, and the problem remains unresolved. 

I have repeatedly requested an alternative method for remote verification, including escalation to XXXX XXXX or Account Verification, but the agents have not provided an immediate solution. 

I am currently on active military training within a base and can not leave to visit a branch, so the only solution offeredgoing to a branchis not feasible. 

I have been told the only option is to wait another XXXX business days, which is an unreasonable delay given the urgency and fraud involved. 

Requested Resolution : I request that my case be reviewed urgently by a supervisor or the Customer Advocate XXXX XXXX XXXX XXXX Account Verification team. 

I request that my phone number be enabled to receive verification codes, or that an alternative method for remote verification be provided. 

I request that the bank take steps to ensure I do not lose access to my account while this fraud-related issue is resolved. 

I appreciate that this matter be treated as urgent, as I am currently blocked from my account and exposed to financial risk.

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 2025-12-02 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:
Dear Sir/Madam, I am writing to formally dispute the following items on my credit report. Below are the details of the accounts in question, separated by each credit bureau : CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$93.00} INQUIRIES XXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXL Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
Shellpoint mortgage is the company, We signed at closing that there would be no escrow. 
We have paid our insurance and taxes out right, the past 4-5 months they started increasing our payment for escrow account.

We have called 8 times sent emails, every time they say they will resolve the problem and then we get a letter in the mail 7-10 days later saying our request has been denied. 

They have increased our payment XXXX per month and we have tried for several months to resolve but the will do nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
My accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

I demand the late payment reported to be 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!

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: GA

Complaint narrative:
I don't have a contract with Southern Management System Inc. under FCRA 623 and FDCPA. I'm requesting that this account be removed due to no verified contract, or legal reporting rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items

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 2025-12-02 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items listed on my credit report. These discrepancies involve both charged-off accounts and inquiries that I believe are inaccurate or incomplete. Below are the details of the accounts I am disputing, separated by each credit bureau.

CHARGED OFF ACCOUNTS : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX LATE PAYMENTS : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
XXXX has been reporting delinquent to my credit for the since XX/XX/XXXX. I have never received a statement or bill stating what if anything is owed/due. I have called multiple times, ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and have sat on hold for hours while working and no one comes to the phone. I tried the automated system ( XX/XX/XXXX ) and there is no record of an account with any of my identifying information ( social, phone number, DOB ). I have received " robo '' calls/messages from the company with no direct call back information to speak with someone about this account. Nothing is connecting, no customer service assistance and I don't want to give my social security number by mail to a company that feels like a scam this company. 

During my investigation into this company and my student loans, XXXX does not show this company listed as XXXX of my loan servicers. Which raises another red flag into the operational and business practices of this company. No original loan balance, no interest, and/or payment information was provided showing that XXXX is the correct loan servicer. 

Legally, I am intitled to a formal bill with a regular billing cycle with payment information and interest rate ( if applicable ) provided and I have not received any of these things. 

This company feels like a scam with no identifying information and no statements being mailed to show any balance or payment justification. My credit has taken a huge hit without a valid reason. How can this company be allowed to report on individuals credit profile without providing valid proof of ownership and documentation with a opportunity to rectify the account or produce information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
XXXX has been reporting delinquent to my credit for the since XX/XX/XXXX. I have never received a statement or bill stating what if anything is owed/due. I have called multiple times, ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and have sat on hold for hours while working and no one comes to the phone. I tried the automated system ( XX/XX/XXXX ) and there is no record of an account with any of my identifying information ( social, phone number, DOB ). I have received " robo '' calls/messages from the company with no direct call back information to speak with someone about this account. Nothing is connecting, no customer service assistance and I don't want to give my social security number by mail to a company that feels like a scam this company. 

During my investigation into this company and my student loans, XXXX does not show this company listed as XXXX of my loan servicers. Which raises another red flag into the operational and business practices of this company. No original loan balance, no interest, and/or payment information was provided showing that XXXX is the correct loan servicer. 

Legally, I am intitled to a formal bill with a regular billing cycle with payment information and interest rate ( if applicable ) provided and I have not received any of these things. 

This company feels like a scam with no identifying information and no statements being mailed to show any balance or payment justification. My credit has taken a huge hit without a valid reason. How can this company be allowed to report on individuals credit profile without providing valid proof of ownership and documentation with a opportunity to rectify the account or produce 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