vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My XXXX XXXX ( issued by XXXX XXXX  ) had {$66.00} in fraudulent charges. The account was paid off and not in use. 
Despite reporting the fraud, the bank has reported late payments to the credit bureaus. These charges were not mine and are under a documented fraud investigation. 
I am requesting immediate removal of all negative reporting and correction of my credit file, as this is inaccurate and causing harm.

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 2025-11-28 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:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided.

Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with.

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt Letter.

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and TransUnion Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding. 

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Inquiries : 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 2025-11-28 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: SC

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems responded again, but they still did not answer the issue I am raising. I am not disputing the apartment lease or the charges listed by the original property. My concern is that I never entered into any agreement with National Credit Systems, nor did I receive any communication, notice, or authorization request from this company before they placed a negative collection account on my credit profile.

The documents they attached ( including the lease and final statement ) only show the agreement between me and the apartment, not any authorization for National Credit Systems to obtain, store, transmit, or report my personal information. There is nothing in those documents showing the name National Credit Systems or proving that I permitted this company to collect or report anything on my behalf.

Under 15 U.S.C. 1681b, a third party must have a permissible purpose to access and furnish consumer information. That requires proof of authorization, which National Credit Systems has not provided.

Under 15 U.S.C. 1681e ( b ) and Metro 2 reporting standards, a furnisher must verify accuracy AND confirm they are authorized before transmitting data through the E Oscar system. National has not demonstrated they have my authorization to act as a data furnisher for me.

Under Texas Finance Code 392.202, a debt collector must provide verification of the relationship and the authority to collect, not just a copy of the apartments balance statement.

None of this was provided.

I also want to clarify that I did not request validation of the debt amount.

I am specifically asking for proof that National Credit Systems is legally authorized to handle or report my personal information, and proof that I agreed to work with them, which is required for them to furnish data about me. They have provided no such proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-28 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
I am disputing the late payment reporting on my account because the information being furnished is inaccurate and not properly verified. Under the Fair Credit Reporting Act ( FCRA ), information reported to the credit bureaus must be complete, accurate, and verifiable. I contacted the furnisher and the credit bureaus to request verification of the alleged late payment, including proof of the due date, payment history, and any notices sent. To date, no proper documentation has been provided to validate the late payment.

Because the furnisher has failed to provide evidence confirming the accuracy of this derogatory entry, the continued reporting of this late payment is causing harm to my credit standing and violates FCRA 602, 607 ( b ), and 611 ( a ), which require fair, accurate, and fully verifiable 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 2025-11-28 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I recently received a notification indicating that I have an outstanding debt with NSTAR/COOPER, but I am unclear about the specifics of this debt. I do not recall any transactions or agreements that would have resulted in this debt, and I have not received sufficient information or documentation to verify its legitimacy. As a result, I am requesting that you provide validation of the debt to ensure that I am accurately informed of my obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
Did not know of any debt in collections until we had our bank run credit for a mortgage last week. I was told my score was XXXX and collections was XXXX reported in XX/XX/year>. I knew my credit stayed in the high XXXX or low XXXX. After pulling my reports I discovered that Collection Management Company was reporting a medical debt. I have not received any communication from them at all. No calls or mail. I know there is a law that they are to notify me and I have 30 days to dispute or pay before it is reported to my credit. However I was not contacted. I have tried to call them to get an address to send a debt verification letter, but can not get a live person on the automated system. Also the automated system asks for my phone number to pull up my account and it says my number is not found. That tells me they have not ever tried to contact me. I researched the company online to get an address for the verification letter and there are several address listed. I feel stuck on how to deal with this. We are needing a mortgage loan and need this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from a used car dealer in XXXX, Florida and financed the vehicle through this lender. 

The vehicle was publicly advertised by the dealer for {$12000.00}, as proven by an archived third-party copy of the dealers website dated XX/XX/XXXX. However, my retail installment contract reflects a cash vehicle price of {$17000.00} an undisclosed and unjustified increase of {$4600.00} over the advertised price. 

After applying my {$3500.00} down payment and applicable sales tax, I should have financed approximately {$10000.00}. Instead, I was financed for {$16000.00}. This means my loan principal was inflated by approximately {$5700.00} due solely to the dealers price misrepresentation. 

As a result, I have already overpaid approximately {$4900.00} in monthly payments tied only to the inflated portion of the loan, and I continue to be charged interest on money I should never have owed. 

On XX/XX/XXXX, I submitted a written formal dispute to the lender with documentation proving the advertised price and the inflated contract price. I then called the lender XX/XX/XXXX to confirm the dispute. During my phone call with the lender after submitting my written dispute, I was told that the lender can not do anything and that I must resolve the matter with the dealer directly. The lender refused to open a dispute, refused to initiate an investigation, and refused to provide any case number, despite being presented with documented evidence that the loan was originated using a materially misrepresented vehicle price. 

I am requesting that the lender be required to formally investigate this documented price misrepresentation, correct the inaccurate loan principal balance, cease any negative credit reporting related to the disputed amount during the investigation, and provide a written response with supporting documentation. 

All supporting evidence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items listed on my credit reports as inaccurate or incomplete. Below are the details of the accounts that I am disputing. I request that you review the following information and correct or remove the disputed items as appropriate. 

Charged Off Accounts : XXXXXXXX XXXX XXXXXXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payment Accounts : XXXX XXXXXXXX, Account # XXXX XXXXXXXX Account # XXXX XXXX Account # 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
please don't send a computer generated letter to my house I will seek legation this is nota third party this is me XXXX XXXX. 

Your company is in violation of the FCRA and Metro2 Compliance standards. Specifically, you are violating : 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), which clearly states that transactions or experiences between the consumer and the person making the report are not included in consumer reports.

15 U.S.C. 1681s-3, which relates to the responsibilities of information furnishers.

The above section, 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), clearly states that transactions between the consumer and the person/corporation making the report are not included on the consumer reports, yet you are reporting this information.

The reporting of excluded information is a clear violation of Metro2 Compliance standards. I demand that you provide me with the Metro2 Compliance disclosure regarding reporting transactions to a consumer reporting agency. 

I need the transactions reported on the dates listed deleted from my consumer reports effective immediately. 

Please note that I am not requesting validation or verification of these late payments. Therefore, do not reply with a validation response to waste my time.

Furthermore, 15 U.S.C. 1666b ( a ) states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I need the above LATE PAYMENTS deleted from my consumer reports without 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 explanation
Consumer complaint received 2025-11-28 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: TX

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 non-monetary relief
Consumer complaint received 2025-11-28 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: TX

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 response to consumer: Closed with non-monetary relief