vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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: GA

Complaint narrative:
I am filing this formal complaint to request an immediate investigation into multiple inaccurate and misleading items being reported on my credit profile by several furnishers. These errors have caused serious harm to my credit reputation and violate the Fair Credit Reporting Act ( FCRA ). 

XX/XX/XXXX, there are XXXX wrong addresses appearing on my credit reports XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, and XXXX XXXXXX/XX/XXXXXXXX. I have never lived at or been associated with either of these addresses. Their presence on my report indicates a serious failure in record accuracy or possible file mixing, and I am requesting that these addresses be permanently removed from my credit file. 

In addition, multiple accounts are being inaccurately reported. These include : XXXX Bank ( Account ending in XXXX, opened XX/XX/XXXX, balance {$17000.00}, reported as late payment ) ; XXXX XXXX ( Account XXXX, opened XX/XX/XXXX, balance {$10000.00}, reported as charge-off ) ; another XXXX XXXX account ( XXXX, opened XX/XX/XXXX, balance {$2900.00}, charge-off ) ; XXXX Bank XXXX ( Account ending XXXX, opened XX/XX/XXXX, balance {$7900.00}, charge-off ) ; XXXX XXXXXX/XX/XXXX ( Account XXXX XXXX opened XX/XX/XXXX, balance {$11000.00}, reported as collection ) ; and XXXX ( Account XXXX, opened XX/XX/XXXX, balance {$990.00}, reported as charge-off ). I have also noticed XXXX inquiries XXXX ( XX/XX/XXXX ) and XXXX Bank ( XX/XX/XXXX ) which I did not authorize and which may lack a permissible purpose under federal law. 

These inaccuracies and unauthorized inquiries demonstrate clear violations of the Fair Credit Reporting Act, specifically 15 U.S.C. XXXX ( b ) ( failure to ensure maximum possible accuracy ), XXXX ( a ) ( failure to properly reinvestigate disputed information ), and XXXX ( b ) ( failure of data furnishers to conduct a reasonable investigation after a dispute ). Despite my previous efforts to dispute these items directly with the credit bureaus, the inaccurate information continues to appear, and no proper verification has been provided. 

Therefore, I am requesting that the CFPB conduct a full investigation into these reporting errors and require each furnisher and credit bureau involved to provide documented proof of accuracy, ownership, and permissible purpose. Any unverifiable or inaccurate items should be deleted or corrected immediately, and the false addresses should be permanently removed from my credit file.

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 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I haven't used my accounts in a month or so due to fraudulent transactions on my account I did make a report and they said they would look into it .. all I've been able to do was go to the bank to create cashiers checks for rental payments as we did put a hold on the accounts to stop transactions from money being taken out and only deposits

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 2025-10-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: NE

Complaint narrative:
am filing this complaint regarding Receivable Management Services for unlawfully acquiring and reporting an alleged debt to XXXX and XXXX  without my authorization or proof of ownership. I never signed, authorized, or consented to any transfer or sale of this debt to a third-party collector. Receivable Management has failed to provide proper validation, documentation of assignment from the original creditor, or my written authorization as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I am requesting immediate removal of this account from my credit reports and enforcement of compliance for unauthorized reporting and collection activity.

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 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
They did not respond, but its still on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I had lived at this property for several years without major issues. In XX/XX/XXXX, I renewed my lease under new property management. After the management change, maintenance and communication deteriorated significantly, and the landlord failed to make required repairs despite repeated requests including plumbing, roof leaks, and exterior door locks. 
Under the lease, I had the right to terminate the agreement if these issues were not corrected within 10 days. After several written and photographic notices, the problems were still not resolved, so I vacated the property under that clause. 
Despite this, National Credit Systems began reporting an alleged balance of approximately {$3400.00} as owed to the credit bureaus. This is inaccurate because the property was uninhabitable, repairs were not made, and the contract was legally breached by the landlord by not settling repairs in a timely manner, nor at all. 
There has never been a court judgment establishing any debt owed. 

I disputed the account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but the only response I received was a confirmation of that dispute number. I have requested the full investigation results letter and will provide it upon receipt. The furnisher responded only by sending a copy of the lease and did not provide any proof of a lawful or adjudicated debt. 

I then filed a CFPB complaint in XX/XX/XXXX, but the furnisher again provided only the same lease. This does not meet the verification requirements under the Fair Credit Reporting Act.

This continued reporting violates FCRA 605B ( failure to block and remove unverified data ) and FCRA 623 ( a ) ( 3 ) ( failure to correct inaccurate information after notice ).

I am requesting that the CFPB direct the company to delete this account from my credit and rental reports and confirm compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
* * Subject : * * Inaccurate and Incomplete Reporting of Paid Affirm Loan * * Complaint : * * Affirm has failed to accurately report my paid loan account to the credit bureaus. My Affirm account was * * paid in full on XX/XX/year> * *, yet my credit report shows * * no original balance, current balance, payment history, or account status * *. 

This violates the * * Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) * *, which requires furnishers to provide accurate and complete information. The missing data makes it appear as though the account is inactive or incomplete, which can negatively impact my credit profile. 

I have contacted both Affirm and the credit bureaus to request correction, but the issue remains unresolved. I am requesting the CFPBs assistance in ensuring Affirm updates the account to show the correct * * original balance, {$0.00} current balance, and Paid/Closed status * *, or removes the trade line entirely if they are no longer furnishing data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: NY

Complaint narrative:
I am filing this complaint to dispute the presence of inaccurate and unauthorized accounts on my credit file. I never opened these accounts, nor did I consent to their addition, and I received no notification regarding them. Furthermore, each credit bureau is reporting different and inconsistent details, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring that all information be reported with maximum accuracy.

This also violates 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) and correction or deletion of disputed information, and 15 U.S.C. 1681g, which ensures a consumers right to full and accurate disclosures of their file.

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 2025-10-25 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 am filing this complaint to dispute the presence of inaccurate and unauthorized accounts on my credit file. I never opened these accounts, nor did I consent to their addition, and I received no notification regarding them. Furthermore, each credit bureau is reporting different and inconsistent details, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring that all information be reported with maximum accuracy.

This also violates 15 U.S.C. 1681i, which mandates a timely investigation ( within 30 days ) and correction or deletion of disputed information, and 15 U.S.C. 1681g, which ensures a consumers right to full and accurate disclosures of their file.

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 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The furnisher, AMERICAN EXPRESS, is violating the Fair Credit Reporting Act ( FCRA ) by continuing to furnish data that is factually inaccurate, inconsistent, and unverifiable. 

Account XXXX : This charged-off account, originally opened on or about XX/XX/XXXX, lists the Date Last Active as XX/XX/XXXX. The reported XXXX XXXX is approximately {$10000.00}. 

Factual Inconsistency ( FCRA Violation ) : The account is reported exclusively on the TransUnion credit report and is entirely absent from the Experian and Equifax reports. This proves the data is unreliable and can not meet the FCRA standard of 'maximum possible accuracy. ' Inaccurate Status : The current status comment on the report shows XXXX resolved ; customer disagrees. ' This confirms the account is legally unresolved, yet the furnisher continues to report it as a finalized derogatory item. 

Action Taken : I previously disputed this account with the credit reporting agency on [ Insert Date your first dispute letter was sent ]. The furnisher failed to cure the inconsistencies during the reinvestigation. 

Unverifiable Dates : The furnisher has failed to provide the legally required Date of First Delinquency ( DOFD ), instead reporting only the Date Last Active ( XX/XX/XXXX ), making it impossible to verify the account is being reported for the legally correct time limit. 

I request the CFPB compel AMERICAN EXPRESS to delete the account to remedy the continued failure to provide complete, consistent, and accurate data as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: SC

Complaint narrative:
This letter serves as formal notice that your prior investigation response regarding the disputed accounts on my credit file was incomplete and noncompliant with your obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

You stated that the information was verified by the furnisher. However, you failed to provide documentation of the method of verification, or any proof that the furnisher provided legal authorization or contractual evidence supporting their right to report my personal information to your bureau. 

Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to disclose the method of verification upon request. Therefore, I am now formally demanding : The name, address, and contact information of the person or entity that verified the disputed items.

A complete description of the documentation or records relied upon to verify the account.

Proof of authorization for the furnisher to report my private transactional data to Experian under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ). 

Because you did not verify the legal right of the furnisher to report, and merely repeated their assertion, your reinvestigation was not reasonable as defined by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ), which held that a credit bureau can not merely parrot information from the furnisher and call that verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I am a XXXX veteran whose primary income consists of Veterans Administration XXXX benefits, which are exempt from garnishment under federal law ( 38 U.S.C. 5301 ( a ) ). 

On or about XX/XX/year>, OneMain Financial XXXX, XXXX, through its attorneys, obtained a wage garnishment against me. I successfully challenged this garnishment in the State Court of XXXX XXXX, Georgia ( Case No. : XXXX ). I filed a claim of exemption and a motion to quash, arguing that my VA benefits are protected from garnishment. 

Faced with this legal challenge, OneMain voluntarily dismissed the garnishment action on XX/XX/year>. The court subsequently issued a " Release of Garnishment '' on XX/XX/year>, officially terminating the proceedings. 

Despite the dismissal of their garnishment action due to the exempt nature of my income, OneMain continues to report the underlying account and/or judgment derogatorily on my credit reports. This is inaccurate and misleading. If the debt can not be legally enforced against my exempt income, reporting it as a valid, collectible debt is improper. 

This inaccurate reporting is causing me significant and ongoing financial harm. I have recently been denied housing due to the negative information on my credit report linked to this account, as evidenced by an Adverse Action letter from a property management company. 

I have previously attempted to resolve this by winning the legal case against their garnishment. I am now turning to the CFPB for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My payment for my FHA loan keeps going up every year. Everytime I call and ask they say your insurance premium went up. I get cheaper insurance and it still goes up. Now it's my property value went up. Every year since I got the mortgage my payment has gone up. My recent issue is that I received a homestead exemption earlier this year that was backdated for XXXX years. I did not even know anything about a homestead exemption until last year. XXXX XXXX stated they completed my exemption and gave New Rez the information, this was back in XXXX or XXXX of this year. New Rez never applied my exemption which caused me to be overpaying about XXXX for XXXX  months until XXXX when I called to find out again why my tax bill was so high. They state they never got my homestead exemption documents, but the county and tax accessory office state they did give my updated information and they see the escrow account and they have been sending my tax bill and info to New Rez. So why all of a sudden they did not get my exemptions, but they have been getting my tax bill every year. My escrow account is sitting over XXXX  plus right now and I don't have an insurance payment until XXXX of next year. That will put my escrow account well over XXXX but they are still saying I have a XXXX shortage. New Rez is over charging for my escrow payments. Over XXXX of my payment goes into escrow but I'm still short. I have requested to be refunded my overpayment due to them not doing my analysis at the beginning of the year and waiting until XXXX. They say the overpayment went into my escrow to cover my shortage. I asked why then is it showing on my account I'm expecting to have a shortage of XXXX. XXXX if my overage payment covered my shortage. They say it's going by the analysis from the beginning of the year. I asked how when they just did an analysis in XXXX of this year. They can't explain it to me they say we'll just look at your payment history everything is based off the analysis at the beginning of the year. I ask why again because they just did an analysis. The call ended with the supervisor saying well you have to have a cushion so that's why you have a shortage. My escrow account is sitting at over XXXX  how am I short. They are gouging people and taking their hard earned money. It seems as if they are purposely raising the payment every year so people can't afford to pay and loose their home. It's not right. New Rez LLC is overcharging on FHA loans and for escrow accounts and it needs to be investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Demand for Deletion and Blocking of Inaccurate & Damaging Data 15 U.S.C.

1681c-2 This is a formal legal notice demanding the immediate deletion and permanent blocking of all inaccurate, unverifiable, and harmful information being reported under my name and consumer file. 
Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ), you are required by federal law to block and remove any item that is inaccurate, incomplete, or the result of identity misuse, data error, or any unverifiable reporting. 
Continued reporting of these accounts is a willful violation of federal consumer protection statutes and exposes your agency to civil liability and damages. 
The following negative accounts and inquiries are to be deleted and blocked from all three bureaus : Negative Accounts/ Collections/ Repossessions/ Charge-offs : - XXXX XXXX  {$19000.00} ( Repossession XX/XX/XXXX ) - XXXX XXXX  XXXX {$14000.00} ( Repossession XX/XX/XXXX ) - XXXX XXXX {$8600.00} ( Charge-off XX/XX/XXXX ) - XXXX XXXX XXXX {$680.00} ( Collection XX/XX/XXXX ) - XXXX XXXX {$340.00} ( Collection XX/XX/XXXX ) - XXXX XXXX XXXX XXXX$4.00} ( Charge-off XX/XX/XXXX ) - XXXX XXXX XXXX XXXX Payment Solutions ) {$9100.00} XXXX XXXX XX/XX/XXXX ) - XXXX XXXX {$530.00} ( Collection XX/XX/XXXX ) - XXXX XXXX {$680.00} ( Collection XX/XX/XXXX ) - XXXX XXXX XXXX XXXX Late XXXX XXXX XXXX XXXX Account ) Unauthorized or Obsolete Inquiries : - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX These items are unverified, misleading, and damaging to my creditworthiness. If you continue to report or reinsert these items after this notice, you will be in direct violation of federal law and subject to statutory penalties, civil damages, and legal action for willful noncompliance. 
You have 15 days from receipt of this letter to complete deletion and provide written confirmation of the removals. Failure to comply will result in formal complaints filed with the CFPB, FTC, and State Attorney General and pursuit of civil remedies under the FCRA and FDCPA. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation