vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX This debt buyer account violates FCRA requirements by reporting impossible timeline data that defies basic logic. The account shows a first delinquency date of XX/XX/XXXX, but the account opening date is listed as XX/XX/XXXX - making it impossible to be delinquent 7 months before the account even existed. 

I have repeatedly disputed this account with credit bureaus, but the debt buyer continues to verify inaccurate information through the e-OSCAR system without providing proper documentation. As a debt buyer account, they have never provided chain of title documentation, assignment agreements, or proof of legal authority to collect or report this debt. 

The e-OSCAR investigation process is inadequate, reducing complex verification requirements to simple 3-digit codes that ignore substantial evidence of timeline impossibilities. Per CFPB guidance in XXXXXXXX XXXX XXXX XXXX XXXX, data furnishers must delete information they can not verify. 

Account details [ XXXX ] : Opened XX/XX/XXXX, first delinquency XX/XX/XXXX, high credit amount {$750.00}, 26 months payment history reviewed. The debt buyer has verified this impossible timeline multiple times despite clear mathematical impossibility. 

Account details [ XXXX ] : Opened XX/XX/XXXX, first delinquency XX/XX/XXXX, high credit amount {$810.00}, 25 months payment history reviewed. The debt buyer has verified this impossible timeline multiple times despite clear mathematical impossibility - showing delinquency XXXX months before the account was even opened. The payment status chart shows collection activity ( orange " C '' marks ) starting in XX/XX/XXXX, yet claims first delinquency occurred in XX/XX/XXXX, creating an internally contradictory reporting pattern that violates basic data integrity standards. 

I demand deletion of this unverifiable account per FCRA Section 1681i ( 5 ) ( A ) and request CFPB investigation into this debt buyer 's systematic violation of verification requirements.

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 2025-08-14 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: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX This debt buyer account violates FCRA requirements by reporting impossible timeline data that defies basic logic. The account shows a first delinquency date of XX/XX/XXXX, but the account opening date is listed as XX/XX/XXXX - making it impossible to be delinquent 7 months before the account even existed. 

I have repeatedly disputed this account with credit bureaus, but the debt buyer continues to verify inaccurate information through the e-OSCAR system without providing proper documentation. As a debt buyer account, they have never provided chain of title documentation, assignment agreements, or proof of legal authority to collect or report this debt. 

The e-OSCAR investigation process is inadequate, reducing complex verification requirements to simple 3-digit codes that ignore substantial evidence of timeline impossibilities. Per CFPB guidance in XXXXXXXX XXXX XXXX XXXX XXXX, data furnishers must delete information they can not verify. 

Account details [ XXXX ] : Opened XX/XX/XXXX, first delinquency XX/XX/XXXX, high credit amount {$750.00}, 26 months payment history reviewed. The debt buyer has verified this impossible timeline multiple times despite clear mathematical impossibility. 

Account details [ XXXX ] : Opened XX/XX/XXXX, first delinquency XX/XX/XXXX, high credit amount {$810.00}, 25 months payment history reviewed. The debt buyer has verified this impossible timeline multiple times despite clear mathematical impossibility - showing delinquency XXXX months before the account was even opened. The payment status chart shows collection activity ( orange " C '' marks ) starting in XX/XX/XXXX, yet claims first delinquency occurred in XX/XX/XXXX, creating an internally contradictory reporting pattern that violates basic data integrity standards. 

I demand deletion of this unverifiable account per FCRA Section 1681i ( 5 ) ( A ) and request CFPB investigation into this debt buyer 's systematic violation of verification requirements.

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 2025-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: AZ

Complaint narrative:
I have an insurance claim for a leak in my kitchen. The mortgage company is withholding the insurance money that was sent for the contractor to start the work. I have given them everything they have asked for. The insurance approved $ XXXX for the claim. They sent $ XXXX for the contractor to do the work. They are holding the rest until the work is complete. The contractor needs the $ XXXX to even start the process ( ordering cabinets, floors, etc ). The mortgage company has only released $ XXXX and are saying they won't release the remainder until the job is complete. The work will not even start until the contractor receives the $ XXXX. They are illegally holding that money and won't budge. It has already been XXXX and a half months since the " loss ''. I have no kitchen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: OH

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I dispute the accuracy of this late payment as it is not reflective of my actual payment behavior. Please remove it following your review.

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 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding an auto loan account from XXXX XXXX that was previously removed from my Experian credit report after I submitted a dispute due to fraud and contract rescission. The dealership ( XXXX XXXX XXXX ) failed to disclose optional add-ons, misrepresented loan terms, and issued a 27.99 % APR despite a XXXX credit score. I rescinded the contract in writing and initiated a dispute. The loan was removed, but it was later reinserted without any written notice from Experian, which violates 15 U.S. Code 1681i ( a ) ( 5 ). I have filed complaints with the FTC, CFPB ( for XXXX  ), CA Attorney General, XXXX Investigations, and OCC. I am requesting removal of the tradeline and enforcement of credit reporting compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: WI

Complaint narrative:
I received a credit report from them and there are some companies that I'm unfamiliar with. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! The U.S. Code 15 USC 1681 ES Seg Section 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-14 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/scrub>/2021, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
this credit reporting agency is wrongfully reporting debt according to Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480. Use of this account was to obtain medical care. 

acct name : XXXX XXXX XXXX acct # : XXXX XXXXXXXX amount : {$1500.00}

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 2025-08-14 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: TX

Complaint narrative:
this credit reporting agency is wrongfully reporting debt according to Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480. Use of this account was to obtain medical care. 

acct name : XXXX XXXX XXXX acct # : XXXX XXXXXXXX amount : {$1500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Complaint Summary This complaint is regarding XXXX  ( XXXX XXXX XXXX XXXX ) and their continued reporting of inaccurate and unverified information to Experian, XXXX, and XXXX, despite multiple certified disputes and debt validation requests under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Timeline of Events XX/XX/year>2025 Sent certified Debt Validation Request to XXXX  for account # XXXX. Requested the original signed contract, complete payment history, proof of ownership, chain of assignment, balance calculation breakdown, charge-off date, and confirmation of statute of limitations compliance. 
XX/XX/year>2025 Sent certified Direct Dispute citing multiple inaccuracies across my credit reports, including inconsistent open dates, re-aging, status conflicts, balance discrepancies, and differing account numbers. 
XXXX Response # 1 Provided only a basic price breakdown by email and attempted to redirect me to a third-party company ( XXXX ), even though the tradeline is reported under XXXX. 
My Response # 1 Restated my dispute and validation demands, citing FDCPA and FCRA requirements. 
XXXX Response # 2 Again provided only a basic price breakdown and no legal documentation. 
My Response # 2 Again restated my demands. No additional documentation has been provided to date. 

Inaccuracies Identified Conflicting Date Opened and Date of First Delinquency between credit bureaus. 
Apparent re-aging to make the account appear newer. 
Balance discrepancies between reports. 
Different creditor names and addresses ( XXXX, XXXX XXXX, XXXX XXXX  ). 
Account simultaneously marked as Closed and Charged Off.

Continuous charge-off notations for years inflating derogatory impact.

Different account number formats across reports.

Violations 1. FDCPA 809 ( b ) Failure to provide full validation upon request.

2. FDCPA 807 ( 8 ) Continued reporting without verification.

3. FCRA 623 ( a ) ( 1 ) Furnishing inaccurate information.

4. FCRA 623 ( a ) ( 5 ) Illegal re-aging of the account.

5. FCRA 611 ( a ) ( 2 ) Failure to forward dispute details to the furnisher.

Impact This account is unverifiable, contains clear reporting errors, and XXXX has refused to provide legally required documentation. The ongoing inaccurate reporting is severely damaging my credit and preventing me from obtaining credit and financial services.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Complaint Summary This complaint is regarding XXXX  ( XXXX XXXX XXXX XXXX ) and their continued reporting of inaccurate and unverified information to XXXX, XXXX, and TransUnion, despite multiple certified disputes and debt validation requests under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Timeline of Events XX/XX/year>2025 Sent certified Debt Validation Request to OppLoans for account # XXXX. Requested the original signed contract, complete payment history, proof of ownership, chain of assignment, balance calculation breakdown, charge-off date, and confirmation of statute of limitations compliance. 
XX/XX/year>2025 Sent certified Direct Dispute citing multiple inaccuracies across my credit reports, including inconsistent open dates, re-aging, status conflicts, balance discrepancies, and differing account numbers. 
XXXX XXXX # 1 Provided only a basic price breakdown by email and attempted to redirect me to a third-party company ( XXXX ), even though the tradeline is reported under XXXX. 
My Response # 1 Restated my dispute and validation demands, citing FDCPA and FCRA requirements. 
XXXX Response # 2 Again provided only a basic price breakdown and no legal documentation.

My Response # 2 Again restated my demands. No additional documentation has been provided to date. 

Inaccuracies Identified Conflicting Date Opened and Date of First Delinquency between credit bureaus. 
Apparent re-aging to make the account appear newer. 
Balance discrepancies between reports. 
Different creditor names and addresses ( XXXX, XXXX XXXX, XXXX XXXX  ). 
Account simultaneously marked as Closed and Charged Off.

Continuous charge-off notations for years inflating derogatory impact.

Different account number formats across reports.

Violations 1. FDCPA 809 ( b ) Failure to provide full validation upon request.

2. FDCPA 807 ( 8 ) Continued reporting without verification.

3. FCRA 623 ( a ) ( 1 ) Furnishing inaccurate information.

4. FCRA 623 ( a ) ( 5 ) Illegal re-aging of the account.

5. FCRA 611 ( a ) ( 2 ) Failure to forward dispute details to the furnisher.

Impact This account is unverifiable, contains clear reporting errors, and XXXX has refused to provide legally required documentation. The ongoing inaccurate reporting is severely damaging my credit and preventing me from obtaining credit and financial services.

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 2025-08-14 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: TN

Complaint narrative:
Complaint Summary This complaint is regarding XXXX  ( XXXX XXXX XXXX XXXX ) and their continued reporting of inaccurate and unverified information to XXXX, Equifax, and XXXX, despite multiple certified disputes and debt validation requests under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Timeline of Events XX/XX/year>2025 Sent certified Debt Validation Request to OppLoans for account # XXXX. Requested the original signed contract, complete payment history, proof of ownership, chain of assignment, balance calculation breakdown, charge-off date, and confirmation of statute of limitations compliance. 
XX/XX/year>2025 Sent certified Direct Dispute citing multiple inaccuracies across my credit reports, including inconsistent open dates, re-aging, status conflicts, balance discrepancies, and differing account numbers. 
XXXX Response # 1 Provided only a basic price breakdown by email and attempted to redirect me to a third-party company ( XXXX ), even though the tradeline is reported under XXXX. 
My Response # 1 Restated my dispute and validation demands, citing FDCPA and FCRA requirements. 
XXXX Response # 2 Again provided only a basic price breakdown and no legal documentation. 
My Response # 2 Again restated my demands. No additional documentation has been provided to date. 

Inaccuracies Identified Conflicting Date Opened and Date of First Delinquency between credit bureaus. 
Apparent re-aging to make the account appear newer. 
Balance discrepancies between reports. 
Different creditor names and addresses ( XXXX, XXXX XXXX, XXXX XXXX  ). 
Account simultaneously marked as Closed and Charged Off.

Continuous charge-off notations for years inflating derogatory impact.

Different account number formats across reports.

Violations 1. FDCPA 809 ( b ) Failure to provide full validation upon request.

2. FDCPA 807 ( 8 ) Continued reporting without verification.

3. FCRA 623 ( a ) ( 1 ) Furnishing inaccurate information.

4. FCRA 623 ( a ) ( 5 ) Illegal re-aging of the account.

5. FCRA 611 ( a ) ( 2 ) Failure to forward dispute details to the furnisher.

Impact This account is unverifiable, contains clear reporting errors, and XXXX has refused to provide legally required documentation. The ongoing inaccurate reporting is severely damaging my credit and preventing me from obtaining credit and financial services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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