vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX  days since I filed my complaint.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: AL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding XXXX XXXX Account. Specifically, a late payment reported is incorrect and does not reflect the actual payment history of my account. I have maintained on time payments and do not have documentation showing this payment was legitimately 30 days late. 

I have reviewed my records and verified that the payment in question was made on time. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting s full investigation in this matter and remove the inaccurate late payment from my credit report if the creditor is unable to provide sufficient evidence. Please notify me in writing of the results of your investigation and provide me with an updated copy of my credit report once the correction has been made.

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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
on XX/XX/year> send validation letter to mcm pass 30days no validate the debt and on XX/XX/year> send another validation and proof of claim and 30 pass nothing they clain amount is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
I am disputing a collection account being reported by Credence Resource Management on behalf of XXXX. This account is inaccurate and should be removed. 

The original issue stems from a shipping error that was caused by XXXX-XXXX, not me. After I submitted a complaint, XXXX investigated and adjusted the account balance, confirming their own system showed the device was returned. 

Additionally, XXXX stated that they no longer report to the credit bureaus, which means any active credit reporting is being done solely by the debt collector, Credence, without consistent or verified oversight by the original creditor. 

Credences reporting is now incomplete and misleading, violating my rights under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 611 ) which require accuracy and proper verification of all reported data.

I never agreed to the adjusted charges and dispute the validity of the debt entirely. Credence has placed the account in dispute status, but continues to report the debt, which is damaging my credit. I am requesting the immediate deletion of this account from all credit bureaus. 


Declaration of XXXX XXXX I, XXXX XXXX, declare under penalty of perjury that the following is true and accurate to the best of my knowledge : I am disputing a debt being reported by Credence Resource Management on behalf of XXXX in the amount of {$220.00}. 

This account is inaccurate and stems from a shipping issue that was caused by XXXX  not me. After investigation, XXXX confirmed the device was returned and adjusted the account balance, showing the error originated with their system. 

XXXX has stated that they do not report to the credit bureaus, yet Credence is actively reporting the account on their behalf. This results in incomplete, misleading, and potentially unauthorized credit reporting.

I never agreed to the charges in dispute, and I never received any supporting documentation showing I owe the balance that remains. I am requesting that this account be removed from all credit reports due to its inaccuracy and failure to meet the standards of verification required by the Fair Credit Reporting Act. 

Signed, XXXX XXXX XXXX : XX/XX/XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I ask why I haven't received my advance like it's advertised for joining and I wasn't giving a response back not by email or phone call or text message.all I reserved was I have to make a XXXX dollar or more deposit first.i reserved this message after I made an account with chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 explanation
Consumer complaint received 2025-07-18 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
This complaint is for Select Portfolio Servicing who my loan was transferred to in XX/XX/year>. I have had issues with this company since XX/XX/year> when I received a letter in XXXX that said they would apply lender based insurance. I was already covered and had been since I purchased the home in XXXX of 2025. I uploaded the proof of my insurance ( property, wind and flood ) that took 2 months to update in their system. It took so long that they included new fees that now included insurance ( which they already have proof that it was paid up ). They also implemented a property tax escrow when my original loan did NOT have this. I specifically requested to pay my own XXXX XXXX and XXXX on my original loan which can NOT be changed because of transfer. The only escrow small fee I was paying on the original loan before it sold to SPS was to cover FLOODs. Which again, I already have flood insurance. I have been back and forth on the phone with XXXX for the last 3 months to rectify this so that my XX/XX/year> payment won't jump from XXXX to XXXX monthly! An increase of almost XXXX. I believe they are giving me the run around so they can continue to charge me for Insurance ( which is already paid for ) and Property Taxes ( which was not in my original loan and I have requested to be removed ). They have already put me at a shortage when I shouldn't have one at all. I make my payments timely and keep having to call for updates. I believe they are stalling in order to get extra money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I reached out to Midland Credit multiple times they actually put the same account on my credit report a few years back. It was removed because it was a fraudulent account and they didnt suffice sufficient information proving that the account was mine. I have enclosed a police report and my identity. Also this account is over seven years old and they recently restarted the date which is against the law I demand for this account to be removed from my credit report immediately due to the fair credit act, I also enclosed a letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of 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 explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-07-18 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: TX

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-07-18 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-18 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX, and Lockhart , Morris & Montgomery is falsely reporting a medical debt that does not belong to me on my credit report. I never received services, never signed for anything, and I was never notified about this debt until I pulled my report. 

I believe they are either reporting under the wrong identity or are pursuing a completely fabricated or misassigned account. I called and requested validation and received no documentation, no proof, and no explanation only vague responses like its in the system. 

I also attached my government-issued ID in this complaint. If any part of the alleged account ( name, DOB, ) does not exactly match my personal information, this should be considered a misidentification and an FDCPA violation. 

Lockhart , Morris & Montgomery is in direct violation of federal law by reporting unverifiable and incorrect information to the credit bureaus without my permission and without proper investigation. Their actions have lowered my credit score by over 80 points, impacted my ability to get credit, and caused me unnecessary stress as a diabetic single mom trying to manage my household.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: DE

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-07-18 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 explanation
Consumer complaint received 2025-07-18 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a formal complaint regarding Experians failure to correct inaccurate, inconsistent, and legally questionable reporting of a child support account. The account, originally opened in XX/XX/XXXX and reported by Child Support Enforcement ( account # XXXX ), is marked both Paid Off and Closed, yet continues to reflect an outstanding past-due balance of {$58000.00}. Most concerningly, it remains actively reported as a collection account, with updates as recent as XX/XX/XXXX. 

This account reporting contains multiple violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to : XXXX. Material inconsistency Experian is simultaneously reporting the account as Paid Off while listing a significant unpaid balance. These contradictory data points can not coexist and result in misleading and damaging credit reporting.

2. Incomplete and unverifiable reporting Key FCRA-required fields such as the original balance, monthly payment amount, and full payment history are missing. Without this data, the accuracy and integrity of the account can not be validated under 607 ( b ) of the FCRA. 
XXXX. Improper re-aging The account originated in XXXX, yet Experian is still updating it with new derogatory notations in XXXX. This raises serious concerns under 605 and 1681c of the FCRA, which limit the reporting of negative information beyond a 7-year window unless exceptions apply. 

I submitted a detailed reinvestigation request to Experian in XX/XX/XXXX, referencing these issues and requesting either full correction or deletion of the account. Experian responded by stating the account was verified and unchanged, without providing supporting documentation or resolving the apparent violations. 

I am now requesting the CFPB to compel Experian to either ( XXXX ) delete the account from my credit report due to failure to verify and correct the data, or ( XXXX ) update the account to reflect a {$0.00} balance, remove recent derogatory updates, and ensure all fields are reported in a legally compliant manner.

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