vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
I am requesting the immediate removal of the unauthorized transactions and incorrect information on my credit report. These errors stem from a data breach that compromised my personal and financial details, a situation that was beyond my control. Despite my efforts to resolve these issues, I am still dealing with the consequences of reporting failures that should have been corrected long ago. 
The fact that these incorrect and unauthorized entries remain on my report, even with clear evidence of a data breach, is completely unacceptable. This mishandling of my information is damaging my credit score, threatening my financial security, and preventing me from accessing important opportunities. I will no longer tolerate this negligence. 
I insist that you conduct an immediate investigation and remove these errors permanently. Any further delays, inaction, or refusal to comply will be seen as a direct violation of my consumer rights. I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other relevant laws to hold your company accountable.

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 2025-11-15 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Midland Credit Management XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation request Dear Midland Credit Management, I am writing in response to a notice I received from your agency regarding an alleged Debt. I dont recognize this debt and therefore dispute its validity. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.S 1692g, I request that you provide proper Validation of the debt before any further Collection activity continues. 
Please provide the following information : 1. Name of the original creditor.

2. The amount of the alleged debt, including a detailed breakdown of fees, interest, and other charges.

3. A copy of any document bearing my signature showing I agreed to assume this debt.

4. Proof that your agency is authorized to collect this debt in my state.

5. The date of the alleged debts origination and the date of last payment. 
Until you provide the request documentation, please cease all collection activities and refrain from reporting this account to any credit reporting agency. If you have not done already done so, please inform that the debt is disputed under the FDCPA. 
Be advised that any failure to provide proper validation or continued attempts to collect without validation will be considered a violation of federal law, and I will not hesitate to report such actions to the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General. 
I request all future communication be made in writing only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: MS

Complaint narrative:
I HAVE A SPENDING ACCOUNT ON XXXX XXXX AND WHEN I TRANSFERED XXXX TO MY ACCOUNT ACE FLAIR AND IT WAS SUPPOED TO BEEN ON MY ACE FLAIR CARD ON THE XXXX SO AT XXXXXXXX XXXX  ON THE XXXX I GET A NOTIFACATION ON XXXX XXXX SAYING MY ACCOUNT WAS FUNDED AND I CHECKED MY ACCOUNT AND ALL MY MONEY WAS GONE OUT MY ACCOUNT I PUT XXXX INTO AN ACCOUNT AND THAT WAS MISSING AS WELL AND THAT WAS ON A TREADING ACCOUNT OXY TRADING I CALLED THE COMPANY AND THEY STATED THAT THEY SEE THAT IT WAS MISSING AND NEVER DID ANYTHING ABOUT IT AND ITS BEEN A MONTH LATER I HAVENT HEARD FROM THE COMPANY NO EMAIL OR ANYTHING

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am filing this complaint because American Express ( AMEX ) is reporting inaccurate, inconsistent, and contradictory information about this account on my credit report. I have disputed this multiple times with the credit bureaus, and each time the account was verified without any of the errors being corrected. 

The Date of Last Activity is reported XXXX different ways : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These conflicting dates can not all be correct. A single account can not have multiple different Dates of Last Activity. 

The high balance listed is also inconsistent XXXX bureau reports {$1000.00}, another reports {$900.00}, and another shows {$0.00}, which makes the account appear differently depending on the bureau. 

The late payment history is also inconsistent and unrealistic. XXXX bureau shows 90 days late 3 times, while another shows XXXX times, which is impossible within the timeline of the account. 

The account is reported as Closed due to inactivity, but also Charged off as bad debt. Those XXXX statuses contradict each other. A creditor can not close an account for inactivity and simultaneously charge it off ; they are XXXX different processes. 

The account was closed in XX/XX/XXXX, but the credit bureaus continue to update the account through XXXX, making it look newly delinquent. Closed charge-off accounts should not update with new activity unless there was an actual payment or consumer action, which did not occur. 

The past due amount matches the entire balance, which is inaccurate for a closed charge-off account. Charge-offs do not continue to accrue past due amounts. 

I have disputed all of these errors with the credit bureaus multiple times, but they continue to verify the account without addressing any of the contradictions. I do not believe a proper investigation was done by AMEX or the credit bureaus. 

This inaccurate reporting is harming my credit unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
Violated my rights to successor of interest. Would not talk to me. Would not follow rules for successor of interest to modification of loan, would not speak to me about mortgage account. Mother passed away in XX/XX/XXXX, at that time XXXX XXXX owned the mortgage, upon providing XXXX XXXX with successor of interest and death Certificate of my mother I was given account access and applied for loan modification request which was denied soon afterwards tried again and XXXX XXXX de died again, so I applied for HAF which took to long and then the loan was transferred or sold to Carrington Mortgage Services llc which was totally without any knowledge and information. Carrington Mortgage Services would not allow a loan modification request or speak to me about the mortgage account cause I was not on the account I then told then about me and my son 's successor of interest status and they replied that they have no records of any successor of interest. I informed them of me applying for HAF but would not respond and continued to start Foreclosure. XXXX I filed for XXXX  XXXX Bankruptcy and was paying thru the court trustee when I received help from HAF and the mortgage company accepted the. Money from HAF which I couldn't find out how the money was distributed or if it was correctly applied to the account. However the mortgage company reinstated the loan and continue with accepting the money from the trustee. My son became sick and was unable to work and we fell behind again I failed to make payments and the XXXX  XXXX was dismissed for failure to, again I was still not allowed to request a loan modification, failure to manage my finances and now the mortgage company is foreclosed on my home and literally 7 days away from confirmation of the sheriff sale and I will be XXXX  and ripped off from the mortgage company that did not allow me my rights under XXXX XXXX and RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-15 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: AZ

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Date Opened XX/XX/XXXX Balance : {$25000.00} XXXXXXXX XXXX # XXXX * * * * * * * * * * Date Opened XX/XX/XXXX Balance : {$30000.00} XXXX # XXXX Date Opened XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-15 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * * - Balance : {$670.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX * * * * - Balance : {$20000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX * * * - Balance : {$0.00} - Date Opened : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2025-11-15 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: NV

Complaint narrative:
To Experian, Equifax, and TransUnion, I am sending this dispute because as I reviewed my credit reports, I discovered multiple inaccuracies that violate my rights under several sections of the Fair Credit Reporting Act.

These violations include FCRA Section 623 ( a ) ( 1 ), which requires furnishers to supply only accurate information, and FCRA Section 607 ( a ), which requires each of you, as consumer reporting agencies, to maintain procedures that ensure maximum possible accuracy. I am also invoking my rights under FCRA 623 ( a ) ( 2 ), which requires immediate correction and updating of false or incomplete data, as well as my rights under FCRA 623 ( a ) ( 1 ) ( A ), which mandates proper verification of any information attached to my consumer file. 
XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV, 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 2025-11-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I never opened this account, and its presence on my report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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 2025-11-15 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: CA

Complaint narrative:
Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 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