vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
This is something that should have been off my credit already, that being said I have tried to dispute and every time I have its kicked back like its correct. They have even stated on the phone they do not have my original contract with my signature and that the original debtors charged off my debt before this company purchased it. Which is completely out of line for them to have been hurting my credit for this many years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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 disputing the following accounts listed on my TransUnion report. Kindly review these accounts as I believe there are discrepancies that require correction in accordance with FCRA guidelines. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX ONE Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX Late Payments : 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 2025-11-07 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: MA

Complaint narrative:
CFPB Complaint Narrative CFPB COMPLAINT NARRATIVE CREDIT REPORTING XXXX XXXX XXXX I am submitting this complaint because TransUnion, Experian, and Equifax are reporting the same accounts with different late payment months and are also showing multiple mortgage related inquiries on the same days in XXXX made by related entities. I have provided each bureau with a notarized affidavit citing the Supreme Court XXXX FCRA decisions ( TransUnion LLC XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; XXXX. of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX ) ) and with copies of the XX/XX/XXXX reports. I asked them to delete or correct every item that is not uniform or can not be verified, and to standardize my personal information. I am requesting CFPB monitoring and that the bureaus be required to send me updated reports showing the deletions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I am submitting a dispute regarding the accuracy of the following charged-off accounts reported on my Experian credit report. I request that these accounts be verified, and if they can not be validated in accordance with the Fair Credit Reporting Act ( FCRA ), I request their removal. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$370.00} XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9200.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries : XXXX Account Number : XXXX XXXX XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Card Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-07 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-07 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-07 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
I am disputing the following accounts and inquiries on my Experian credit report. These items are either inaccurate or incomplete, and I request a thorough investigation to ensure the accuracy of my credit file. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} POSSIBLEFINA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} AFFIRM XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} I am disputing the following accounts and inquiries on my Experian credit report. These items are either inaccurate or incomplete, and I request a thorough investigation to ensure the accuracy of my credit file. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} Inquiries : XXXX XXXX XXXX XXXX Date : 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 2025-11-07 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: AZ

Complaint narrative:
There is an account being reported under my name that I did not open, authorize, or manage. This appears to be a clear case of identity theft or fraud. It is completely unacceptable that such false information is being associated with my credit profile, as it misrepresents my financial history and integrity. I take my credit and personal information very seriously, and this issue has caused me significant stress and concern.

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 2025-11-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX Subject : Formal Dispute and Request for Investigation and Deletion of Unverifiable Information Under the Fair Credit Reporting Act Dear [ Experian / TransUnion / Equifax ], I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to dispute certain information appearing on my credit report. I am formally requesting that your agency conduct a full reinvestigation of my credit file and delete any and all accounts, inquiries, or other information that can not be verified as accurate, complete, and current. 

Under 15 U.S.C. 1681i ( a ), you are legally required to conduct a reasonable investigation of any disputed information within 30 days of receiving this notice. If any information in my file can not be verified, is found to be inaccurate, or can not be confirmed by the data furnisher, it must be promptly deleted or corrected from my credit report. 

I am not identifying specific items in this correspondence ; instead, I am requesting a thorough verification of all accounts and entries associated with my credit file to ensure full compliance with federal law. 

In accordance with your obligations under the FCRA, please provide me with : 1. Written confirmation that the reinvestigation has been initiated.

2. A description of the procedure used to verify the disputed information, including the name, address, and telephone number of each furnisher contacted.

3. A new and updated copy of my credit report reflecting all deletions or corrections made as a result of your reinvestigation. 

Please complete your investigation and forward written results to me at the address listed above within the time frame required by law. 

Thank you for your prompt attention to this matter and for ensuring compliance with the Fair Credit Reporting Act. 

Sincerely, 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 2025-11-07 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX Subject : Formal Dispute and Request for Investigation and Deletion of Unverifiable Information Under the Fair Credit Reporting Act Dear [ Experian / TransUnion / Equifax ], I am writing pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to dispute certain information appearing on my credit report. I am formally requesting that your agency conduct a full reinvestigation of my credit file and delete any and all accounts, inquiries, or other information that can not be verified as accurate, complete, and current. 

Under 15 U.S.C. 1681i ( a ), you are legally required to conduct a reasonable investigation of any disputed information within 30 days of receiving this notice. If any information in my file can not be verified, is found to be inaccurate, or can not be confirmed by the data furnisher, it must be promptly deleted or corrected from my credit report. 

I am not identifying specific items in this correspondence ; instead, I am requesting a thorough verification of all accounts and entries associated with my credit file to ensure full compliance with federal law. 

In accordance with your obligations under the FCRA, please provide me with : 1. Written confirmation that the reinvestigation has been initiated.

2. A description of the procedure used to verify the disputed information, including the name, address, and telephone number of each furnisher contacted.

3. A new and updated copy of my credit report reflecting all deletions or corrections made as a result of your reinvestigation. 

Please complete your investigation and forward written results to me at the address listed above within the time frame required by law. 

Thank you for your prompt attention to this matter and for ensuring compliance with the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AMERISAVE MORTGAGE CORPORATION
State: UT

Complaint narrative:
I am filing a complaint against Amerisave Mortgage for restrictive and misleading payment policies that limit borrowers ability to manage their loans effectively.

Principal-only payments are restricted, there is no simple way to manually apply extra payments directly toward principal through their system. 

Their bi-weekly payment plan is misleading, they hold your first payment until the full monthly amount is received, instead of applying payments as they come in. This practice negates the interest-saving benefit of early partial payments. 

No manual payment control, customers can not allocate extra funds to principal reduction in a timely or transparent way. 

These practices appear designed to maximize interest charges and reduce borrower flexibility, which I believe is both unfair and potentially deceptive.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-07 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: CO

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX - XX/XX/XXXX - {$340.00} XXXX - XX/XX/XXXX - {$0.00} Hard Inquiries : XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CO

Complaint narrative:
XXXX XXXX XXXX play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX - XX/XX/XXXX - {$340.00} XXXX - XX/XX/XXXX - {$0.00} Hard Inquiries : XXXX XXXX - XX/XX/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 non-monetary relief