vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX and TSI ( Transworld Systems Inc. ) for improper billing, inaccurate reporting, and unlawful collection attempts for traffic tickets that I already paid in full. 
Summary of Issue XXXX XXXX is attempting to charge me for traffic citations that were previously satisfied. Despite proof of payment, XXXX XXXX sent the balance to TSI Collections, who has since attempted to collect on a debt that does not exist. 
This action violates multiple consumer protection laws and has caused unnecessary stress, time, and financial harm. 
Detailed Explanation I paid the traffic tickets in full, and I have proof of payment. 
XXXX XXXX failed to update their records to reflect the XXXX balance. 
Instead of acknowledging the paid status, XXXX XXXX incorrectly transferred/sold the account to TSI for collections. 
TSI then began attempting to collect a debt that is not valid, which is a violation of federal law. 
Violations These actions violate the following laws and regulations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) Furnishers must provide accurate information. 
15 U.S.C. 1681i Failure to investigate disputed information.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 2 ) ( A ) Misrepresenting the character, amount, or legal status of a debt. 
15 U.S.C. 1692f Use of unfair or unconscionable means to collect a debt. 
15 U.S.C. 1692g ( b ) Continued collection activity after a debt is disputed. 
3. Consumer Financial Protection Act ( CFPA ) Unfair, Deceptive, Abusive Acts & Practices ( UDAAP ) It is unfair and deceptive to send a consumer to collections for a debt that has already been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
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 2025-11-20 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: MI

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 explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-20 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: TX

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : XXXX XXXX XX/XX/year>,

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 2025-11-20 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:
XXXX XXXX XXXX XXXX is reporting unauthorized charge-off accounts and the credit bureaus failed to properly verify the account I am filing this complaint because XXXX XXXX XXXX XXXX is reporting two chargeoff accounts that do NOT belong to me. I disputed these accounts with Experian, Equifax, and XXXX requesting verification under FCRA 609 ( a ), 611, and 15 USC 1681i. The bureaus failed to provide any original documentation, contract, signature, or evidence linking me to these accounts. 
Instead of providing verification, the credit bureaus responded with generic statements claiming the accounts were verified, without showing : Who verified the accounts What documents were used Any signed contract Any validation of identity Any proof of ownership This is a violation of FCRA 611 ( a ) ( 7 ) and 15 USC 1681i. 
I requested accounts were verified, without showing : Who verified the accounts What documents were used Any signed contract Any validation of identity Any proof of ownership This is a violation of FCRA 611 ( a ) ( 7 ) and 15 USC 1681i. 
I requested the Method of Verification and have still not been provided with any legally required validation. XXXX XXXX has not provided ANY evidence that I opened, authorized, or used these accounts. 
These accounts are not mine and are damaging my credit profile. I am requesting the CFPB to require XXXX XXXX and the credit bureaus to : 1. Provide original documentation ( signed contracts, applications, identity verification ) 2. Explain the exact method used to verify the accounts 3. Delete the accounts immediately if no proof exists I am asking for full compliance with the FCRA and removal of all unverified accounts. 
Evidence I Will Upload : Experian Dispute Letter PDF XXXX Dispute Letter PDF XXXX Dispute Letter PDF Method of Verification Letter PDF Credit report showing the XXXX XXXX accounts Drivers license + proof of address Requested Resolution : Full deletion of all XXXX XXXX chargeoff accounts that can not be verified with original documentation, as required by 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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I went to the XXXX XXXX in XXXX, Texas for a routine XXXX XXXX. They informed me I had two XXXX that would be fillings. I asked what the cost would be and they let me know it would be XXXX XXXX XXXXXXXX {$300.00}. I asked multiple times if that would be the final amount and I will not receive another bill in the mail and they confirmed I would not receive another bill. I signed I piece of paper that the front desk clerk just wrote the amount and I signed the piece of paper. They lied and told me I would not receive another bill in the mail and I received one for ~ {$800.00}. I had different XXXX insurance at the time and they should have ran my insurance and given me the correct amount at the time of service. If I knew it would be over {$1000.00} to get two XXXX, I would not have completed the procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 am writing to dispute the following items on my Experian credit report. These items appear to be inaccurately reported, and I believe they may contain violations under the Fair Credit Reporting Act ( FCRA ). Please investigate these accounts and remove any incorrect or incomplete information. 
Accounts in Dispute : Account Name : XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$180.00} Reason for Dispute : This account is reported inaccurately as a collection. The account is disputed, and I do not recall authorizing this charge. It is not correctly categorized under my credit file. 
Account Name : XXXX XXXX XXXX  ( Infinity Auto In. Company ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$160.00} Reason for Dispute : The account is reporting incorrectly as charged off ; however, the creditor did not provide any confirmation of the charge-off status. 
Account Name : XXXX XXXX XXXX ( XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$520.00} Reason for Dispute : This account is reporting a balance of {$520.00}, which does not match my records. Additionally, I believe this account was opened without my consent or proper authorization, potentially indicating a data breach. 
Alleged Violations under the FCRA : 1. Failure to Report Accurately These accounts appear to contain reporting inaccuracies, such as missing payment history, incorrect balances, and failure to update account status after dispute resolution. 
2. Failure to Investigate Properly Under the FCRA, credit bureaus must investigate any disputes in a timely manner. These accounts may not have been adequately reviewed or corrected after disputes were raised, violating the FCRA 's provision for fair investigations. 
3. Failure to Maintain XXXX XXXX The FCRA requires that credit reports contain accurate and complete information. The discrepancies in account balances, dates, and statuses suggest that this requirement has not been met for the accounts listed above.

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 2025-11-20 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 am submitting a dispute regarding the accuracy and reporting of the following accounts listed on my Equifax credit report. I believe these accounts are inaccurately reported, and I am requesting a thorough investigation and correction as needed. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MI

Complaint narrative:
I am disputing the following accounts on my credit report with TransUnion. These accounts have been inaccurately reported and I request that they be thoroughly reviewed and corrected. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I XXXX XXXX XXXX writing to request the Consumer Financial Protection Bureaus assistance in resolving an ongoing issue with a credit bureau regarding my credit report dispute. Despite my repeated attempts to obtain proper documentation and verification, the credit bureau has failed to provide the required proof within a reasonable and legally mandated timeframe. 

On XX/XX/25, I submitted a dispute to [ name of credit bureau : Equifax, XXXX, or TransUnion ] regarding [ describe the specific account or information disputed ]. I requested that they provide documentation supporting the accuracy of the item in question. However, to date, I have not received the proper proof, documentation, or explanation of their findings. Additionally, I requested that all correspondence be sent to my email [ your email ], but the credit bureau did not comply, causing unnecessary delays and preventing me from reviewing their responses promptly. 

This failure to provide adequate verification and timely communication has resulted in continued inaccuracies on my credit report, which may negatively impact my financial opportunities. 

I am requesting the CFPBs assistance to : Ensure the credit bureau provides complete and proper documentation verifying the disputed information. 

Ensure that all future communication is sent to my designated email address. 

Ensure the credit bureau complies with the Fair Credit Reporting Act ( FCRA ) regarding investigation procedures and response timelines. 

I have included copies of my dispute letters, any responses I have received, and relevant supporting documents. 

Thank you for your time and assistance. I appreciate the CFPBs help in ensuring fair and accurate credit reporting. Please contact me if additional information is needed. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: PA

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 non-monetary relief
Consumer complaint received 2025-11-20 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:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-11-20 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:
I am requesting CFPBs assistance with inaccurate or unverified information being reported by TransUnion. 

Charged-Off Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : These charged-off accounts may be outdated, duplicated, or unverifiable. Requesting investigation and deletion of any entries not verified per FCRA standards. 

Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : I do not recall authorizing some of these inquiries. Please verify the purpose and authorization, or remove if unauthorized. 

Late Payment Reporting : DEPT OF EDUCATIONXXXX ( Acct # XXXX ) XXXX ( Acct # XXXX ) Issue : Late payments reported appear inconsistent or inaccurate. Requesting full verification or correction.

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 2025-11-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Rushmore Servicing XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX Loan originated XX/XX/XXXX, and have received confirmations of payments via email at XXXX of each payment since. As of XX/XX/XXXX, I stopped receiving them. I have requested a paper communication via us mail, with copies via email, and they have not complied. End of XX/XX/XXXX, I received notices of foreclosure and being default on the loan. I called XX/XX/XXXX to see what the problem was. I found out after many attempts to speak to a real person, my mortgage company increased my escrow, without notifying me to {$510.00} a month, as of XX/XX/XXXX, right at the time they stopped using XXXX to communicate with me. After many hours on the phone with Rushmore Servicing XXXX, I learned the mortgage company, Rushmore made a mistake in attaching a commercial flood policy to my account. This additional, needless policy was attached by them without my authorization, consent or knowledge. Keep in mind, the flood policy for my condo unit is covered by a Master Flood Plan and paid through the HOA dues paid to XXXX of XXXX XXXX XXXX. I have been on the phone for about 20 hours this month, mostly in the first 2 full weeks of XXXX. I spoke to an XXXX XXXX in Customer Service who admitted the mistake was on Rushmores part. I have spoke to multiple people in multiple departments who all admit it was a mistake on Rushmores part, and it would be corrected and a new escrow analysis would be done. Well, they sent out a payment of {$1500.00} to XXXX XXXX in XXXX XXXX XXXX Fl, on Monday, the XXXX, after I was told the week of the XXXX, that particular commercial flood insurance would be taken out of my escrow. They sent the payment, and now it looks like Im in even more default, as I have not been paying the exorbitant increase of {$510.00} of escrow in my monthly payments, they increased XX/XX/XXXX with no correspondence to me. Now they are telling me, I have to wait until XXXX XXXX sends back that payment and then they will fix the escrow problem. Please help me. FYI my HO6 insurance only increased by about XXXX dollars, and my taxes decreased by XXXX dollars. These are the only 2 items that should be in my escrow. So really, my escrow payment should have stayed about the same. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I am writing to dispute the following charged-off accounts reported by TransUnion. These accounts are inaccurate and require further investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I dispute the following inquiries on my credit report as they may not have been authorized or may be inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I dispute the following late payment reported by TransUnion, as it is inaccurate. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: KY

Complaint narrative:
On XXXX I applied for a loan for medical expenses. They did not disclose the terms of the loan until after they gather my personal information, my ss #, my banking information & my drivers license #. I asked for {$2000.00}, was approved for {$750.00} & the payback amount was at 484 % interest over 2 years for a total cost of {$5000.00}. I didn't sign the agreement & immediately opened a chat to have my application & ALL of my personal information, banking information & DL # removed from their system. I was told they wouldn't delete my personal information. They now have access to all of my personal identifying information & my banking information. I have screenshots of all the loan terms & their contact information.

Company response to consumer: Closed with explanation