vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint because [ Insert Creditor Name ] is inaccurately reporting my account as delinquent to the credit bureaus, despite the fact that I am in an active [ forbearance/payment arrangement ] and have complied fully with the agreed-upon terms. 

Creditor Name : XXXXXXXX XXXX Account Number : XXXX Nature of Arrangement : Temporary payment reduction approved on XXXX XXXX due to financial hardship. 
Current Status : I have made all scheduled payments as agreed under this arrangement. 

Creditor Name : XXXX XXXX  Account Number XXXX Nature of Arrangement : Forbearance approved on XX/XX/XXXX due to financial hardship. 
Current Status : I have made all scheduled payments as agreed under this arrangement. 


Creditor Name : XXXXXXXX XXXX  Account Number XXXX Nature of Arrangement : Forbearance approved on XX/XX/XXXX due to financial hardship. 
Current Status : I have made all scheduled payments as agreed under this arrangement. 

Relevant Legal Framework : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are legally obligated to report only accurate information. Reporting a delinquency while I am current under a valid agreement violates this provision.

In addition, Section 4021 of the CARES Act, which amended the FCRA, states that if a borrower receives a payment accommodation ( such as forbearance or a modified repayment plan ) due to hardship, and is complying with the terms, the account must be reported as current.

The Consumer Financial Protection Bureau ( CFPB ) has also clarified in its XXXX guidance that creditors must not report consumers as delinquent if they are meeting the terms of a hardship agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint because [ Insert Creditor Name ] is inaccurately reporting my account as delinquent to the credit bureaus, despite the fact that I am in an active [ forbearance/payment arrangement ] and have complied fully with the agreed-upon terms. 

Creditor Name : XXXXXXXX XXXX Account Number : XXXX Nature of Arrangement : Temporary payment reduction approved on XXXX XXXX due to financial hardship. 
Current Status : I have made all scheduled payments as agreed under this arrangement. 

Creditor Name : XXXX XXXX  Account Number XXXX Nature of Arrangement : Forbearance approved on XX/XX/XXXX due to financial hardship. 
Current Status : I have made all scheduled payments as agreed under this arrangement. 


Creditor Name : XXXXXXXX XXXX  Account Number XXXX Nature of Arrangement : Forbearance approved on XX/XX/XXXX due to financial hardship. 
Current Status : I have made all scheduled payments as agreed under this arrangement. 

Relevant Legal Framework : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of credit information are legally obligated to report only accurate information. Reporting a delinquency while I am current under a valid agreement violates this provision.

In addition, Section 4021 of the CARES Act, which amended the FCRA, states that if a borrower receives a payment accommodation ( such as forbearance or a modified repayment plan ) due to hardship, and is complying with the terms, the account must be reported as current.

The Consumer Financial Protection Bureau ( CFPB ) has also clarified in its XXXX guidance that creditors must not report consumers as delinquent if they are meeting the terms of a hardship agreement.

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 2025-06-27 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: TX

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 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
On XX/XX/year> via report through XXXX XXXX  XXXX I requested that the company Midland Credit Management provide original contract between me and Midland or and Affidavit verifying the debt amount I allegedly owe to them. If they were unable to produce I needed a removal in 5 days. They ignored my request and responded with verified the information as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am filing this formal complaint for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) regarding an alleged debt they claim I owe. 

The MIDLAND CREDIT MANAGEMENT contacted me for the first time via a threatening XXXX  delivery on XX/XX/year>, falsely suggesting imminent legal action. This was done without any prior written notice or validation, in violation of 15 U.S.C. 1692g. Prior to the XXXX  notice, my parents received harassing phone calls that included aggressive language and threats, with no proper verification or documentation. 

I have not received a contract. proof of assignment, chain of title, purchase agreement or any legal right to collect or link me to this alleged debt. The actions of this debt collector are not only unlawful but appear to be designed to intimidate and scare me into making payments without proving I owe. 

I request that this matter be investigated and take appropriate enforcement action against this agency. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has consistently sent me emails regarding updates to my credit report. 

I reached out 3x on XX/XX/XXXX via phone after trying to reset my password. Each time the automated system hung up on me. No option to speak with a live agent. 

Given that this company can stop me from being able to buy a house or car how are they allowed to not have any actual customer service in 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion is using it's power to sabotage the credit reports of their XXXX consumers. This is just one example. Currently, I have a line of credit with Upward financial. Other Consumer reporting agencies have reported this. Transunion has not reported this and it has been over 4 months. However, I received a hard inquiry on XX/XX/year> and Transunion reported it right away. They are foul and if they are allowed to continue to report this on my consumer report i will be seeking a lawsuit.

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 2025-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
To whom it may concern, I am disputing a XXXX XXXX account that is reporting on my credit report, account number ( XXXX ) .This account is currently being pursued by two different collection agenciesTransworld Systems Inc. ( TSI ) and The XXXX XXXX Inc.each claiming a different balance, and neither has provided proper validation or evidence that the account is legitimately mine. I have never opened or authorized this account. 

Both collection agencies are pursuing the same debt but report different balances ( {$670.00} from TSI and {$610.00} from XXXX ). This is misleading and appears to be in violation of the FDCPA. I also have not received proper documentation validating the debt despite prior disputes. 

I am requesting the CFPB to investigate this matter and instruct these companies to : Cease all collection activity Validate the debt with proper documentation Remove the account from my credit report I am submitting this summary in connection with the disputed on the XXXX XXXX account that I did not open or authorize. 
Based on my understanding of federal consumer protection laws, I believe the following legal violations have occurred : Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692 1. 1692e False or Misleading Representations Two collection agencies are attempting to collect on the same debt with inconsistent balances ( {$670.00} vs. {$610.00} ), which is deceptive and misleading.

2. 1692g Validation of Debts I have not received proper debt validation from either party. Continuing collection activity without providing full validation upon request violates this section.

3. 1692d Harassment or Abuse Receiving conflicting communications and simultaneous collections from different agencies for the same account constitutes harassing behavior under this statute.

Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681 4. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information If either agency has reported this disputed, potentially fraudulent debt to credit bureaus, and the reporting contains discrepancies or is inaccurate, that is a violation.

5. 1681i Reinvestigation of Disputed Information I previously disputed this debt with Experian and received no satisfactory verification. If the reporting continued without proper reinvestigation, this is a clear FCRA violation.

Consumer Financial Protection Act UDAAP Provisions 12 U.S.C. 5531 6. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Pursuing collection with conflicting balances, failing to provide validation, and ignoring potential identity theft are all considered unfair and deceptive collection practices under CFPB regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Security National Financial Corp
State: NV

Complaint narrative:
XXXX XXXX XXXX  ( XXXX ) has reported false and inaccurate missed mortgage payments on my credit report. The mortgage in question was fully paid off and officially closed in XX/XX/XXXX. Although XXXX recently corrected the false outstanding balance previously reported, the thirteen ( 13 ) erroneous missed payments remain on my credit history, significantly damaging my creditworthiness. 

Key Facts : XX/XX/XXXX : Mortgage opened with Security National Mortgage. 

XX/XX/XXXX : Servicing transferred from XXXX to XXXXXXXX XXXX XXXX. All payments were timely and accurately made to XXXX. 

XX/XX/XXXX : Property sold, and mortgage fully paid off through escrow. XXXX issued a formal " Release of Note, '' confirming no further obligation. 

XX/XX/XXXX XX/XX/XXXX : Despite closure, XXXX falsely reported thirteen consecutive missed payments and inaccurately noted payment statuses as " 120+ days late. '' XXXX has recently removed the incorrect outstanding balance but has failed to correct or remove the false missed payments from my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When I checked my credit report today, as I regularly do, I was surprised to find inaccurate information that hadnt shown up before. I refreshed the browser in case it was a temporary glitch, but the accounts stayed visible. For this reason, Im requesting a detailed review of the documents Ive sent to resolve this matter permanently.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I paid off my Kohls Capital one bill in full apparently one day late now I am receiving a bill for a late fee. This is absolutely XXXX that the late fee is XXXX. When I inquired about the balance it was {$100.00} which paid in full now I have a statement for {$31.00}, I closed this account months ago and have always paid on time and never late. When I was given to a manager she would not help and ask for someone above her and was told I only get one escalation per call. May I ask who determines this? I know have to pay this late fee which I feel I should not have too as I paid in full at the time of payment. If I don't pay it will just keep getting larger and larger. I am so upset with this that I will now be closing every one of my capital one accounts and they XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did a credit report check and noticed I had late payments on an account and I have never been late according to the credit reporting agencies and they have taken a vital role and responsibility to submit consumer information to the maximum extent possible. This attitude I have never been late on payments on this account ( XXXX  ) ( XXXX ) Please investigate and provide proof of bank statements showing these payments are late, if proof can not be provided I demand these payments be brought up to date on time as they should be because I have never been late.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The discrepancies on my credit report are severely limiting my financial freedom. Despite being financially responsible, I continue to face credit denials due to these persistent errors. Its incredibly frustrating and disheartening to feel as though my rights as a consumer are being overlooked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting this complaint regarding a collection account reported by XXXX XXXX XXXX, which currently appears only on my Experian and XXXX credit files not on my XXXX report. This inconsistent reporting raises concerns about the accuracy and completeness of the data being furnished, as required under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. 

I have already submitted formal disputes via verified mail to both Experian and XXXX, requesting validation of this account. Despite this, the account continues to be reported without any original documentation to verify its legitimacy or my responsibility for the alleged debt. 

This account is unverifiable, inconsistently reported across credit bureaus, and potentially harmful to my creditworthiness. I am requesting the CFPB to review this matter and ensure that XXXX XXXX XXXX and the credit bureaus are held accountable to proper reinvestigation procedures. 

Thank you.

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 2025-06-27 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The same account is being reported inconsistently across the 3 major credit bureaus. Data such as open dates, payment history, balances, activity dates, or remarks do not match between TransUnion, Equifax, and Experian.

This violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires information to be complete and accurate, and 1681i, which requires reinvestigation when inaccuracies are disputed. I requested proof that these accounts are being reported in full compliance with Metro 2 guidelines, which standardize how data must be furnished.

To date, no supporting documentation or proof of accuracy has been provided. Therefore, I am requesting deletion or correction of these accounts and updated reports showing the results of a proper reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The same account is being reported inconsistently across the 3 major credit bureaus. Data such as open dates, payment history, balances, activity dates, or remarks do not match between TransUnion, Equifax, and Experian.

This violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires information to be complete and accurate, and 1681i, which requires reinvestigation when inaccuracies are disputed. I requested proof that these accounts are being reported in full compliance with Metro 2 guidelines, which standardize how data must be furnished.

To date, no supporting documentation or proof of accuracy has been provided. Therefore, I am requesting deletion or correction of these accounts and updated reports showing the results of a proper reinvestigation.

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