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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my TransUnion credit report. I believe the accounts listed below contain errors or incomplete information that violate the Fair Credit Reporting Act ( FCRA ). I respectfully request that you investigate the inaccuracies and correct them accordingly. 

Charged Off Accounts : XXXX, Account No. XXXX, Date Open : XX/XX/XXXXXXXX Balance : {$0.00} XXXX, Account No. XXXX, Date Open : XX/XX/XXXX, Balance : {$10000.00} XXXX  XXXX, Account No. XXXX, Date Open : XX/XX/XXXXXXXX Balance : {$0.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, XXXX : {$0.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, XXXX : {$67000.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$360.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$120.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$2500.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$2000.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$770.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$1000.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$270.00} XXXX XXXX XXXX  Account No. XXXX, Date Open : XX/XX/XXXX, Balance : {$1700.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$370.00} XXXX XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$1200.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$4400.00} XXXX/XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$610.00} XXXX, Account XXXX. XXXX, Date Open : XX/XX/XXXX, Balance : {$590.00} Inquiries : XXXX XXXX, Date Open : XX/XX/XXXX I request an investigation into these disputed accounts and the removal of any inaccuracies that may be found.

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: Experian Information Solutions Inc.
State: TX

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 2025-11-14 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:
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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute the following accounts on my credit report. These accounts are incorrectly reported as " charged off, '' and I believe the information is inaccurate. Below are the details of the accounts in question : XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$4200.00} XXXX  XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$5300.00} XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$1300.00}

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 — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: OH

Complaint narrative:
Issue : LoanCare added a {$59000.00} lien/partial claim to my mortgage during a modification without properly explaining or disclosing it to me. This has now made it impossible for my family to sell our home, even though we originally called for help during a financial hardship. 

Details : My husband and I purchased our home in XX/XX/XXXX. In XXXX we XXXX  a major hardship and fell behind on our mortgage. We contacted LoanCare to request assistance and specifically asked whether our monthly payment could be lowered and whether the modification would help improve our financial situation. 

During the phone call, the representative never clearly explained that a substantial deferred principal balance/partial claim would be added to our loan. I was never told that accepting the modification would result in a {$59000.00} lien, increasing our total payoff amount from approximately {$210000.00} to almost {$240000.00}. The representative only read a very fast, general disclosure after I asked questions, and they did not explain the impact, meaning, or long-term consequences of the deferred balance. Had I been told this clearly, I would never have agreed to the modification. 

I signed the written modification with a notary because I believed LoanCare was helping us reduce our monthly payment during hardship, not adding a large lien that would destroy our ability to sell our home. The financial consequences were not explained verbally or meaningfully disclosed.

Harm : Because of this undisclosed lien, we are now unable to sell our home. We were trying to downsize to an affordable property and use the equity to pay off debts and stabilize financially. Instead, the lien has left us owing far more than the home is worth and has taken away our ability to sell in the normal market. LoanCare has told me there are no options to remove or adjust the lien, even though the lien was not properly disclosed at the time of the modification. 

We are a family of XXXX with XXXX young children, and we are now facing the possibility of foreclosure or a short sale simply because the modification terms were not clearly explained.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
I previously filed a CFPB complaint about BSI Financial Services mishandling of my insurance loss draft funds after my home was damaged. I am submitting this new complaint because the previous CFPB portal would not allow me to upload the evidence. 

The issue concerns the fraudulent disbursement of my final insurance check for {$12000.00}, which I never received. The check was issued on XX/XX/XXXX, fraudulently cashed on XX/XX/XXXX, and BSIs system shows it was marked as Escrow Disbursement Clearing on XX/XX/XXXX. I was not notified at any time. 

BSI used two different addresses for the notice and the check, even though they had my correct address on file. When I asked about the check in XX/XX/XXXX, I was locked out of the portal, denied access to the check copy, and told to contact FedEx myself. I only received the check image after refusing. 

This situation left my family in unsafe living conditions, including during winter while I was pregnant and living with two toddlers in an unfinished home. BSI refused to release the final disbursement when I asked for help.

I am attaching my full detailed letter and supporting evidence

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

Complaint narrative:
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 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: IN

Complaint narrative:
I am writing to file a dispute regarding the following accounts on my credit report. I believe these accounts contain inaccuracies or incomplete information, and I request a thorough investigation of these items. 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: MA

Complaint narrative:
Pro collect is once again using underhanded tactics to force a payment of the {$8700.00} I owe them. They illegally changed my collection status from individual to joint to force a payment. Joint status includes my guarantor on the collection even though I have written prove with their Client and my old apartment complex - XXXX  flats that the name in the collections would be just mine. 

The agreement with my previous apartment XXXX XXXX in XXXX XXXX  was about dismissing my eviction. There was some unsavory discrimination behavior from them towards me and I was going to fight them and the eviction in court as I had proof of this behaviors. However a senior member of their parent company reached out to me to see if we could resolve it without going to court. They offered to send my balance to collections ( Pro Collect ), dismiss the eviction AND keep my guarantors name off the collections in order not to affect his credit. 

I have attached my previous complaint against Pro Collect from earlier this year where they did something similar - threatened my credit and refused to remove my guarantor from the collections. I reached out to them on XX/XX/year> to let them know my agreement with their client and they refused stating my copies of emails between me and their client would not suffice and I needed an official document from XXXX flats. Knowing fully well XXXX flats has treated me poorly and gone out of their way to make paying back the owed amount XXXX for me ( e.g. as soon as I moved out I asked for the contact information of the. Collection agency and they never responded until time span that ProCollect would have been willing to work out a payment plan has passed, meaning I could then only pay in full as my option by the time the information was given to me ) There is no way to get the document they are requesting and they know that. 

I have been working with XXXX XXXX XXXX by making monthly payments to get the money paid once and for all and its sad that the h are making an already hard Process harder by trying to shorten my options or by forcing my guarantor back into this situation

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$4300.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$5800.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1300.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1100.00} XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$910.00} Inquiries : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : 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 2025-11-14 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a formal complaint against Experian for systematic FCRA violations involving two fraudulent accounts on my credit report. 

The XXXX XXXX XXXX  account XXXX XXXX is reporting as a charge-off from XX/XX/XXXX to XX/XX/XXXX. This account does not belong to me - I have never had an XXXX XXXX credit card or any relationship with XXXX XXXX. 

The XXXX account # XXXX is reporting as a charge-off from XX/XX/XXXX to XX/XX/XXXX, and it only appears on Experian. I have never had a XXXX card or any financial relationship with XXXX XXXX. 

These accounts clearly belong to someone else with a similar name, but Experian has mixed our files. The fact that the XXXX account only reports on Experian proves this is specifically their database error. 

This violates my rights under the FCRA, including sections about proper verification methods and the requirement to maintain maximum accuracy. It also violates the Truth in Lending Act and FACTA 's identity theft protections.

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: NC

Complaint narrative:
I am filing a dispute for the following accounts that I believe contain inaccuracies and require investigation. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} The reported balance is incorrect, and I request that it be reviewed for accuracy. 

Inquiries : XXXX Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payments : XXXX Account Number : 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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
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: CT

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief