vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
Dear XXXX, I am filing a dispute regarding the following accounts that have been inaccurately reported : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, balance : {$1000.00} XXXX XXXX  XXXX XXXX, opened XX/XX/XXXX, balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, balance : {$1700.00} XXXX XXXX - XXXX, opened XX/XX/XXXX, balance : {$180.00} XXXX  XXXX - XXXX, opened XX/XX/XXXX, balance : {$930.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/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 2025-12-01 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:
This fraudulent account should not appear on my 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 2025-12-01 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: MO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. I have identified inaccuracies with several accounts that I believe have not been reported correctly. Below, I have outlined the details for each bureau. Please review and correct these discrepancies at your earliest convenience. 

Charged Off Accounts XXXX XXXX  - Account No : XXXX, Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX - Account No : XXXX, Opened : XX/XX/XXXX, Balance : {$740.00} XXXX XXXX - Account No : XXXX, Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  - Account No : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account No : XXXX, Opened : XX/XX/XXXX, Balance : {$600.00} BANKRUPTCY - Account No : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Date : XX/XX/XXXX Late Payments XXXX - Account No : XXXX XXXX  - Account No : 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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
i call XXXX  XXXX to result this issue.

try to lower my interest rate. the last months ( 6 ) i was paying the minimum due.

i have been a XXXX XXXX XXXX clients for over 10 years.

the last conversation we had they told my to call lloyd and mcdaniel ( debt collector ) they no longer had my information. the last month i get sue by XXXX  XXXX. 

the people in lloyd and mc daniel tell me to go to their website.

what are my options, nothing show up .. have talk someone their that they are a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Dear Security Credit Services I am writing to formally request that you cease and desist all communication with me regarding the above-referenced account. This includes phone calls, emails, letters, or any other form of contact. 

This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which allows me to instruct you to stop contacting me.

Please note that this does not absolve me of any legal obligation to pay a valid debt, nor does it waive my right to dispute the debt. If you continue to contact me after receiving this letter, you may be in violation of the FDCPA. 

All future correspondence should be in writing only, sent to the address above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am writing in response to your communication dated regarding an alleged debt. This letter is a formal request for validation of the debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
The following entries in my XXXX  credit file are being disputed for their inaccuracy or failure to provide sufficient verification. I ask that these accounts and inquiries be properly investigated and corrected or deleted. 

Charged Off XXXX XXXX XXXX, Account No. XXXX, XX/XX/XXXX, XXXX : {$230.00} XXXX XXXX, Account XXXX. XXXX, XX/XX/XXXX, XXXX : {$500.00} XXXX XXXX, Account XXXX. XXXX, XX/XX/XXXX, Balance : {$3600.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payment XXXX XXXX, Account No. 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 2025-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rausch Sturm LLP
State: MS

Complaint narrative:
I have emailed, called and left voice mails for this company and have not gotten a call back. Our last conversation I told them I lost my job and they told me to focus on finding a job and not to worry about payments. They moved foward with a XXXX time garnishment of our bank account. I have been trying to call them to set up a payment, multiple times a day, after XXXX minutes and XXXX seconds it goes to voicemail. I have even reached out to the courthouse and they provided me with the lawyer number and I never got a return call. I know for sure its been over a month we have not been able to speak to anyone.

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 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
I am filing this complaint because I have not received proper validation of a debt that is being reported or collected under the above-referenced account. I requested verification and documentation that would show the debt is accurate, legally owed, and correctly attributed to me. To date, I have not received the required validation, including but not limited to

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AZ

Complaint narrative:
My TransUnion report also contains multiple questionable and inaccurate entries, including duplicate accounts and inconsistent dates compared to the other bureaus. I am requesting a full investigation and removal of all unverifiable information. 

Charged Off / Negative 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

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 2025-12-01 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:
Dear XXXX, I am writing to submit a formal dispute regarding the accuracy of certain items on my credit reports. Below is a detailed account of the disputed items, separated by bureau. These items include charged-off accounts, inquiries, positive items, and late payments. 

Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Late Payments XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing the following accounts listed under TransUnion due to inaccuracies in the reporting of charged-off accounts, inquiries, and late payments. 

Charged Off : XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$42000.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payment : XXXX  XXXX, Account Number : 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 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Lost or stolen refund — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX XXXX I received a XXXX check from XXXX  XXXX  advance through my XXXX XXXX XXXX XXXX XXXX. I requested the money to be sent to an account through Citi Bank. Which I only opened for the tax period. The day I heard I was going to receiver my tax refund I got an email from Citi bank stating they were closing the account and there was nothing I could do to get ahold of any incoming deposits. I was assuming that my money would not be deposited since they were closing the account and that I would have to call pathwards to request it be sent elsewhere. Well the same day Citi Bank closed the account they accepted the refund check worth XXXX. I was not able to get ahold of my money. They stated they would not send me a check for my XXXX. So I contacted BBB. Around XX/XX/year>. I opened a request to get ahold of Citi Bank as I was not recieved the resolution I needed. Which is and only is for them to send me my money. I got a response soon after from Citi Bank that my XXXX XXXX  advance team requested to get in touch with them but they had the wrong information so they denied the request to send them the money back. So I waited since XXXX XXXX  until today to get ahold of Citi Bank about where my refund advance team can get the correct fax number, email or even contact person so they can request the check be sent back to them. I am struggling just to get correct information that Citi Bank denied me access to and did not inform me of the information needed to get this matter resolved.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My wife made XXXX different payments a total of {$4000.00} at XXXX different branches, for some reason she realized that the balance never went down so I call customer service spoke with them and they told us that we needed to go into the bank because they couldn't help us with the matter so once we went into the bank we talked to two managers we had a long talk we sat down went over the statement and we was more on the same page but they couldn't make a decision on changing anything so they chatted with someone who could look into it and also make changing if needed, the bank at first kept saying the money went towards the previous balance so me and my wife asked how could it go towards the previous balance when we already had paid it in full, the previous balance we have always paid the balance in full and we never was charged any interest since we had the credit card my wife caught them a few times charging interest and they had to creditors the money back so they kept making mistakes on their end but they ended up fixing those issues now they're trying to say that we owe this amount of money and we'll tell them that we already had paid that money but it shows on the statement but it doesn't give a break down, once the regions managers realize that they couldn't really do anything else from that point they just let whoever they had to talk with on computer investigated and making a decision and the decision is wrong....

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 2025-12-01 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-01 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I received some information stating that I owe money for a credit card that I know for a fact that I did not have or open an account for. When I called to get some answers a woman who I spoke to on the phone sounded like she didn't care at all to hear my complaint but stated that I owe for an additional card as well that I also did not open. I got the impression from her snug and arrogant attitude that she must get commission from customers trying to resolve these issues but I am not one to pay for fraudulent activity involving my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
DEAR SIR/MADAM, I am writing to dispute the following accounts that are inaccurately reported on my credit file. Please review the details below for each credit bureau. 

CHARGED OFF : XXXX XXXX, XXXX, XX/XX/year>, {$0.00} LATE PAYMENT : XXXXXXXX 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 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
DUE TO UNETHICAL SELF-SERVING, REQUESTING OMBUDSMAN & ESCROW DEPARTMENT TO AUDIT MY LOAN XXXX. CAUSED BY MR COOPER CREATING UNAUTHORIZED, FALSE ESCROW COLLECTIONS, SUCH AS CORPORATE ADVANCE, & PROPERTY PRESERVATION FEES, YEARS XX/XX/XXXX TO XX/XX/XXXX. MR COOPER REFUSES TO REFUND MY FULL OVERAGES OVER SEVERAL YEARS. PROPERTY VALUES DATA CAN BE OBTAINED FOR FREE FROM SEVERAL PLATFORMS, SUCH AS XXXX. NOR DID MR COOPER PROVIDE ME PROOF OF THE LICENSE NUMBER OF THE APPRAISERS VIOLATING FEDERAL & STATE BANKING LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates is reporting an alleged debt under account number XXXX in the amount of {$430.00} to XXXX, XXXX, and XXXX. I previously mailed Portfolio Recovery Associates a written request for validation, including a demand for the complete chain of custody from the original creditor to the present furnisher. Their office received this request, as shown by the XXXX certified mail tracking and the delivery signature by their agent at XXXX XXXX XXXX ( see supporting document ). Despite receiving the letter, Portfolio Recovery Associates has not responded and has not provided any of the validation or documentation I requested. Continuing to furnish information to the credit bureaus without responding to a direct request for validation is a violation of their duties under the Fair Debt Collection Practices Act, which requires them to obtain and provide verification before continuing collection activity. Reporting an account they can not validate also violates their obligations under the Fair Credit Reporting Act to ensure the maximum possible accuracy of the information they furnish. Without the chain of title, they can not establish ownership, can not substantiate the {$430.00} balance, and can not demonstrate that the data they are reporting originates from authenticated records. Their refusal or failure to respond, while still reporting this account across all three bureaus, shows that no reasonable investigation has been conducted. I am requesting that the Bureau review this matter, as Portfolio Recovery Associates is continuing to report an unverified and undocumented account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
Dear XXXX, I am submitting a dispute regarding inaccurate information on my credit report. Please find below the details of the accounts in dispute for each bureau. 

CHARGED OFF XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

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