vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to dispute inaccurate and inconsistent information being reported on my credit file regarding the following account : Creditor : SC XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type : Line of Credit Date Opened : XX/XX/XXXX Reported Balance : {$13000.00} Status : Collection/Charge-off Credit Limit : Reported inconsistently as {$13000.00}, High Credit : Inconsistently reported as {$15000.00} Past Due : {$13000.00} Last Payment : XX/XX/XXXX Potential Violations Under the Fair Credit Reporting Act ( FCRA ) : Violation of 15 U.S.C. 1681e ( b ) The credit bureaus have a duty to report accurate and complete information. This account is reported with conflicting dates, credit limits, and high balances across bureaus, which violates the requirement for maximum possible accuracy.

Violation of 15 U.S.C. 1681s-2 ( a ) and ( b ) If SC XXXX  XXXX XXXX XXXX XXXX this account as a profit and loss write-off or charged off, yet continues to report an active past due balance monthly, this may constitute false or misleading credit reporting.

Conflict with IRS 1099-C Reporting If this account was written off and reported as a loss to the IRS, continued reporting of a delinquent or collectible balance could result in double reporting, a misleading practice in violation of the FCRA and potentially other consumer protection laws.

I am formally requesting the following : A complete reinvestigation of this account under 15 U.S.C. 1681i ; Deletion or correction of any and all inaccurate, inconsistent, or unverifiable data ; Confirmation of whether a 1099-C cancellation of debt was filed and the date of filing and a copy ; Immediate cessation of any continued charge-off notations.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-05-01 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: NC

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 2025-05-01 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 am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-01 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: GA

Complaint narrative:
I am filing this complaint regarding XXXX ongoing failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), including : XXXX. Inaccurate and Unauthorized Personal Information Equifax is reporting multiple identifiers that are incorrect, unauthorized, and not supported by lawfully verified documentation. This includes : Multiple unauthorized names/aliases Duplicate or improperly formatted current addresses Incorrect birth dates XXXX XXXX XXXXXXXX instead of my actual date of birth ) Unauthorized employment history listings These errors violate FCRA XXXXXXXX XXXX XXXX XXXX for failing to follow reasonable procedures to ensure maximum possible accuracy. 

XXXX. Unverified and Incomplete Account Data Accounts appearing on my Equifax credit report are missing or contain inconsistent and unverifiable fields that contradict Metro 2 compliance standards. These include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Missing or incorrect activity dates, balances, payment dates, and statuses Absence of data reporter addresses and phone numbers Incorrect account conditions and payment history Reporting without compliance to Metro 2 format as required by industry ( per XXXX XXXX XXXX These issues demonstrate a systemic failure to maintain accuracy and completeness and violate FCRA XXXX regarding the reinvestigation and deletion of disputed information. 

XXXX. Failure to Verify or Remove Disputed Items Despite my detailed formal request dated XX/XX/year>, Equifax has not adequately responded to my challenges, nor has it verified disputed accounts or removed unverifiable information as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 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 2025-05-01 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: FL

Complaint narrative:
I am submitting this formal and final notice regarding the identity theft affecting my credit file. Enclosed with this letter, you will find a copy of my FTC Identity Theft Report, along with a list of accounts that were fraudulently opened without my knowledge or consent. 

This communication serves as my last good-faith effort to encourage TransUnion to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which mandates that credit reporting agencies block the reporting of any information that results from identity theft upon proper documentation.

To date, TransUnion has failed to adequately remove the fraudulent accounts identified in my report. Let me be clear : continued failure to comply with FCRA 605B is not only negligentit is unlawful. If these accounts are not permanently removed from my credit report within the timeframe prescribed by federal law, I will pursue legal remedies, including but not limited to, a civil lawsuit for damages in the amount of {$50000.00}, in accordance with my rights under the FCRA.

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 2025-05-01 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: MA

Complaint narrative:
" The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
CMG mortgage agreed to move a payment to the end of our loan but did not disclose or have my consent to put us into some sort of deferment program that resulted in them reporting our mortgage late to the credit bureaus. They were not upfront with the information and did not explain the terms of the program. This should not have been reported as 60 days late once and twice 30 days when we were not completely informed about the terms of the program until way after the fact. This is fraudulent and unethical and they did it to extort money from us. This program resulted in an additional {$10000.00} added to our mortgage and our credit reports being fraudulently damaged for no reason. The fraudulently reported late payments need to be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This is the first time I have received any communication from your office regarding this alleged debt. Therefore, in accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide proper validation of the debt you claim I owe.

Please provide the following information : 1. A detailed explanation of what the alleged debt is for.

2. A full accounting showing how the amount was calculated.

3. Copies of any documents bearing my signature that indicate I agreed to assume this debt.

4. The name and contact information of the original creditor.

5. If applicable, a copy or verification of any judgment against me.

6. Proof that your agency is licensed to collect debts in my state, including license numbers ( if applicable ).

Please be advised that I am fully aware of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). I understand that : You may not add any interest, fees, or charges unless expressly authorized by the original contract or applicable state law.

You are not obligated to respond to this dispute beyond informing me that you are ceasing collection efforts or intend to pursue specific legal action.

Pursuing a judgment without first validating the debt constitutes a violation of the FDCPA and may be grounds for dismissal in court.

Continuing collection activity without proper validation is a violation of federal law.

Additionally, if this debt has already been reported to any Credit Reporting Agency ( CRA ), you are required by law to notify them that the debt is in dispute. Failure to do so may constitute a violation of the FCRA ( 15 U.S.C. 1681s-2 ).

If you do not own the debt, I demand that you promptly forward a copy of this dispute to the original creditor so that they are aware of my position.

Finally, under Section 805 ( c ) of the FDCPA, I am requesting that you cease all further contact with me regarding this matter, except to notify me in writing that collection efforts have been terminated or to inform me of any specific legal action you intend to take.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-01 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: CA

Complaint narrative:
signed up for autopay on phone with XXXX XXXX XXXX. the next payment would be XX/XX/year>. However XXXX XXXX XXXX processed the payment in XXXX, after a payment had been made. I called XXXX XXXX XXXX, was advised they would not cancel the transaction. To reach my bank ( Discover ) which i did on XX/XX/year>. Spoke with customer rep who unfortunately accused me of canceling a payment because i didn't want to pay, i pointed out the transaction that i paid earlier in the month. stating that " you cant cancel just because it was early ''. cancelled my card and asked for an email f/u for the transaction cancellation. XX/XX/year>, Received an email from bank that they were not processing my mortgage check because funds are on hold till XXXX to pay for XXXX XXXX XXXX. called bank spoke with XXXX who as well seemed to not care of anything I said. asked for manager, XXXX, who also tried to lecture me on how the process of making payments is. asked him to provide me proof of cancellation, need my mortgage paid and he said they would not release the funds for my mortgage until XXXX XXXX XXXX  released the payment, this made no sense as i called them to inform of the erroneous transaction and advised my funds were not to be held. They show a total lack of respect for clients, they think everyone is committing fraud. this is not about them refunding me anything its about releasing my funds to pay for a mortgage. I have never called them to cancel any fees letting them to think I am committing any fraud. lack of transparency and proper policies of handling our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: UT

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
On XX/XX/year>, I sent OneMain Financial a certified mail package that included the following : ( 1 ) a Durable Power of Attorney ( DPOA ), ( 2 ) a UCC-1 Financing Statement naming the debtor and secured party, and ( 3 ) a formal written notice and tender to settle and discharge the loan account # XXXX. The notice instructed

OneMain to apply a set-off in the interest of the principal under applicable commercial and contractual law, including provisions of the UCC and the Bill of Exchange Act. I am acting as the authorized agent over the principal, XXXX XXXX, with full legal capacity to make financial decisions and manage the secured interests on the account. Despite receiving these documents via certified mail ( proof of receipt available ), OneMain Financial has failed to provide any acknowledgment, response, or action regarding the DPOA, the financing statement, or the lawful tender offered.

This lack of response appears to be a dishonor of the lawful request and may constitute a violation of consumer financial protections, refusal to acknowledge authorized representation, and failure to recognize a valid instrument of discharge. I am seeking a full investigation, enforcement action, and confirmation of OneMain Financials position regarding this matter. My goal is to settle the alleged debt as instructed and enforce the secured rights of the principal.

Company response to consumer: Closed with explanation