vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: TX

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on XX/XX/year> that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone opened a credit card under my name. XXXX XXXX XXXX, amount of {$370.00} on XX/XX/XXXX and another one XXXX XXXX XXXX was opened on XX/XX/XXXX in the amount of {$750.00}, without my consent and knowledge. I contacted to credit bureau to fix the issues, but there is no response. Please help me to fix this issues to improve my credit history. I need to buy a house and a car. These Wrong accounts do not allow me to move forward. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
On XX/XX/XXXX, you initiated an ACH withdrawal of {$37.00} from my bank account ( see attached screenshot and trace ID ). 
This is a direct violation of : FDCPA 809 ( b ) Collector must cease collection activities until validation is provided FDCPA 807 ( 2 ) ( A ) Prohibits false representation of debt ownership FCRA 611 ( a ) ( 5 ) Requires removal of unverifiable accounts You are prohibited by law from collecting any payment while the debt is in dispute and unvalidated. 

I previously requested validation complaint XXXX XXXXXXXX pursuant to FDCPA 809 ( b ) and FCRA 611, but you have failed to provide any verification or documentation proving that : XXXX. You own this debt XXXX. You have a legal right to collect XXXX. The balance is accurate XXXX. XXXX XXXX transferred ownership with a complete chain of title. 

Reference made to Business records stated by furnisher in previous dispute with no attachment of the information requested and no results of investigation as stated XXXX XXXX records provided to XXXX by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$1200.00} was due on the account at the time of XXXX purchase. 


In response to this dispute, we initiated an investigation of the account, ceased all communications regarding the XXXX account unless otherwise permitted or required by applicable law, and notified consumer reporting agencies that the account has been disputed. 


This account is still being reported last report was on XX/XX/XXXX and debiting funds from my account on XX/XX/XXXX. 

FDCPA XXXX ( b ) Continued XXXX After Dispute is Illegal A debt collector must stop all collection activity until they provide proper validation. 

Collection activity includes : Taking payments Attempting payments Calling or sending letters Threatening collection Reporting to credit bureaus Updating the account as active Because XXXX withdrew {$37.00} from your account after your dispute, they violated this law. 


3 FCRA 611 & 607 ( b ) Reporting Without Validation XXXX must : Investigate Validate Stop reporting if they can not validate They continued reporting negative information while the debt was unvalidated, that is an FCRA violation, especially if since they reported.

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 2025-11-14 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: Global Lending Services LLC
State: TN

Complaint narrative:
Multiple companies are reporting false, inaccurate, and misleading information on my credit report. These accounts show balances, past-due amounts, and monthly updates years after the accounts were closed, surrendered, or repossessed. This is not possible and violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. XXXX XXXX XXXX Account # XXXX This account shows a charge-off with a {$16000.00} past-due balance updated through XXXX, even though the account had no activity after XXXX. The company is furnishing new past-due amounts that never occurred, which is inaccurate and misleading. 

XXXX Credit XXXX XXXX Account # XXXX This account was voluntarily surrendered and last updated in XXXX, yet Experian shows a {$4300.00} past-due balance as of XX/XX/XXXX. A closed, surrendered account can not continue generating new delinquencies or balances years later. 

XXXX. XXXX XXXX XXXX Account # XXXX This account is marked as repossessed and closed, but Experian still shows updated balances and past-due amounts of {$13000.00} as of XXXX XXXX. A repossessed and closed loan can not legally accrue new monthly past-due amounts. 

Harm Caused These false updates have lowered my credit score, resulted in credit denials, increased financial stress, and misrepresented my payment history. All three furnishers are providing inaccurate, incomplete, and unverifiable information. 

I am requesting CFPB intervention because these companies have failed to furnish accurate information and are reporting false monthly data long after account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Multiple companies are reporting false, inaccurate, and misleading information on my credit report. These accounts show balances, past-due amounts, and monthly updates years after the accounts were closed, surrendered, or repossessed. This is not possible and violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXX. XXXX XXXX XXXX Account # XXXX This account shows a charge-off with a {$16000.00} past-due balance updated through XXXX, even though the account had no activity after XXXX. The company is furnishing new past-due amounts that never occurred, which is inaccurate and misleading. 

XXXX Credit Acceptance Corp Account # XXXX This account was voluntarily surrendered and last updated in XXXX, yet Experian shows a {$4300.00} past-due balance as of XX/XX/XXXX. A closed, surrendered account can not continue generating new delinquencies or balances years later. 

XXXX. XXXX XXXX XXXX Account # XXXX This account is marked as repossessed and closed, but Experian still shows updated balances and past-due amounts of {$13000.00} as of XXXX XXXX. A repossessed and closed loan can not legally accrue new monthly past-due amounts. 

Harm Caused These false updates have lowered my XXXX XXXX, resulted in credit denials, increased financial stress, and misrepresented my payment history. All three furnishers are providing inaccurate, incomplete, and unverifiable information. 

I am requesting CFPB intervention because these companies have failed to furnish accurate information and are reporting false monthly data long after account closure.

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 2025-11-14 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: SC

Complaint narrative:
I am filing this complaint because my credit report shows late payments that are the result of billing errors under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). The creditor failed to properly apply payments, made accounting/computation errors, and did not provide a billing statement at least XXXX days before the due date. Under 1666 ( b ) ( 4 ) and ( 5 ), these are defined billing errors and can not legally be reported as late payments. 

I disputed these inaccuracies, but neither the furnisher nor the credit reporting agency has provided any valid documentation proving that a legitimate missed payment occurred. The continued reporting of these late payments is inaccurate, incomplete, and violates my rights under 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 non-monetary relief
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXXXX/XX/year> -- {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: SC

Complaint narrative:
I am filing this complaint because my credit report shows late payments that are the result of billing errors under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ). The creditor failed to properly apply payments, made accounting/computation errors, and did not provide a billing statement at least XXXX  days before the due date. Under 1666 ( b ) ( 4 ) and ( 5 ), these are defined billing errors and can not legally be reported as late payments. 

I disputed these inaccuracies, but neither the furnisher nor the credit reporting agency has provided any valid documentation proving that a legitimate missed payment occurred. The continued reporting of these late payments is inaccurate, incomplete, and violates my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Outdated and inaccurate addresses are listed on my credit report.

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 2025-11-14 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: TX

Complaint narrative:
After examining my credit report, I identified inaccurate accounts that were not due to any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I recently pulled my credit report notice several collection account That are on my credit report Inaccurately without my knowledge please remove it immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: SC

Complaint narrative:
I am filing this complaint because the consumer reporting agency did not conduct a proper reinvestigation or verify the accuracy and completeness of the information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611. 

Although I submitted a written request for a full file reinvestigation, the bureau failed to provide the necessary verification, documentation, or proof that the reported information was confirmed by the original furnishers. Without this, I can not determine whether the information in my credit file is accurate, which violates my rights under 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Validation and Verification Request XXXX XXXX / FDCPA-809 ( b ) & FCRA Sections 602A, 607B, 611A-1 Account XXXX and XXXX To Whom It May Concern, I am writing regarding the above-referenced account. Under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) and FCRA 602A, 607B, 611A-1, I am requesting full and complete validation and verification of these alleged debts.

Specifically, I am requesting the following documentation : 1. The original signed contract or agreement evidencing my obligation to the original creditor.

2. The complete chain of title, including all transfers, assignments, or sales of this debt, any proof of securitization from the original creditor to your agency.

3. Proof of ownership and authority to collect, including any agreements or instruments showing your legal right to collect this debt.

4. Itemized accounting of the alleged debt, including principal, fees, interest, and any other charges applied.

Additionally, I request that you verify all information being reported to any credit reporting agency is accurate and substantiated. If you can not provide complete verification and documentation within 30 days of receipt of this letter, you are required under FCRA 611 ( a ) ( 1 ) and 607 ( b ) to delete any negative reporting related to this account from all credit bureaus immediately.

Please provide, copies of all requested documentation ; originals are not required. Until such verification is provided, you must cease all collection activity and refrain from further reporting of this account.

Failure to comply with this request may result in a formal dispute with the credit reporting agencies and any other legal remedies available to me under federal law. 

Thank you for your prompt attention. I expect your response within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: MORTGAGE SOLUTIONS OF COLORADO
State: NC

Complaint narrative:
I have three different accounts from three different supposed lenders : XXXXMortgage Solutions Financial , Mortgage Solutions of CO , and XXXX/Mortgage Solutions XXXX with three separate account numbers and three different account balances. I am sick of the fraud in this world. 18 USC 8, 31 USC 3123, 31 USC 5118, 15 USC 1605, 15 USC 1602, 15 USC 1615, 12 USC 1431, 12 USC 412, 12 USC 411, Consumer Rights, Bill of Rights, 28 USC 454, Federal Reserve Act Section 16 parts 1 and 2, Federal Reserve Act Section 29, Cestui Que Vie act, All Caps Name Ens Legis,,, Straw man According to USC. Social Security account number with the Federal Reserve banking CUSIP number on the back. God showed me and taught me the truth .... Only the truth shall set you free. I am attorney-in-fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
THIS ITEM IS UNAUTHORIZED AND MUST BE REMOVED PROMPTLY

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 2025-11-14 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: GA

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! 


ATLCAPBKSELF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-11-14 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: TX

Complaint narrative:
Greetings, I trust all is fine. I am composing this letter concerning the accounts listed below. That is reflected on my credit report and is significantly impacting me. I am a victim of identity theft, and my information has been hacked, which accounts for the appearance of these accounts on my credit report. These accounts significantly impact me, as they are not mine, and I should not bear responsibility or accountability for those established without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MI

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief