vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Consumer Financial Protection XXXX. XXXX XXXX, XXXX  XXXX Subject : XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Dear CFPB Representative, I am writing to file a formal complaint against XXXX XXXX for reporting inaccurate information to the credit bureaus, which has negatively impacted my credit report and score. 
Despite my efforts to resolve this matter directly with XXXX XXXX, the inaccurate information remains. Specifically, XXXX XXXX has reported [ describe the issue e.g., an account as delinquent, a balance that was paid, or an account that does not belong to me ]. I have contacted their customer service department on [ insert dates ], and I have provided supporting documentation showing that the information they reported is incorrect. However, they have failed to correct or investigate the matter properly. 
This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers of credit information to report accurate data and to promptly correct any errors once notified. 
I am requesting that the CFPB investigate this matter and ensure that XXXX XXXX corrects or removes the inaccurate information from all credit reporting agencies ( Equifax, Experian, and TransUnion ). 
Attached are copies of my correspondence with XXXX XXXX and any supporting documents for your review. 
Thank you for your attention to this matter. I look forward to your assistance in ensuring that this issue is resolved fairly and promptly. 
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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to demand the immediate correction of my personal information on my credit report, as it is blatantly inaccurate. 
This inaccuracy is causing severe trouble with my credit applications, which is extremely frustrating and unacceptable.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 2025-11-11 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Consumer Financial Protection XXXX. XXXX XXXX, XXXX  XXXX Subject : Complaint Against American Express for Inaccurate Credit Reporting Dear CFPB Representative, I am writing to file a formal complaint against American Express for reporting inaccurate information to the credit bureaus, which has negatively impacted my credit report and score. 
Despite my efforts to resolve this matter directly with American Express, the inaccurate information remains. Specifically, American Express has reported [ describe the issue e.g., an account as delinquent, a balance that was paid, or an account that does not belong to me ]. I have contacted their customer service department on [ insert dates ], and I have provided supporting documentation showing that the information they reported is incorrect. However, they have failed to correct or investigate the matter properly. 
This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers of credit information to report accurate data and to promptly correct any errors once notified. 
I am requesting that the CFPB investigate this matter and ensure that American Express corrects or removes the inaccurate information from all credit reporting agencies ( XXXX XXXX XXXX XXXX ). 
Attached are copies of my correspondence with American Express and any supporting documents for your review. 
Thank you for your attention to this matter. I look forward to your assistance in ensuring that this issue is resolved fairly and promptly. 
Sincerely, XXXX XXXX

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

Complaint narrative:
I previously submitted a dispute regarding multiple inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the disputed items remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. 

XXXX XXXX  XXXX Balance : {$0.00} 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  This submission serves as my XXXX follow-up XXXX, filed pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under FCRA 611 ( 15 U.S.C. 1681i ), the credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and correct or delete any data that can not be verified. Additionally, FCRA 607 ( b ) requires that all consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: PR

Complaint narrative:
XXXX XXXX  XXXX is inaccurately reporting my credit account ending in XXXX with a balance of {$1200.00}. 
The account was opened on XX/XX/XXXX, and was first reported as XXXX ( CO ) in XX/XX/XXXX. However, XXXX XXXX  XXXX has continued to report the same account as CO for seven consecutive months, from XX/XX/XXXX through XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 1 ) ( A ) ) and Metro 2 reporting standards, a charge-off can only be reported once during the month the creditor determines the account to be charged off. Repeated monthly charge-off updates are inaccurate and misleading, as they artificially extend the negative impact of the account on my credit history.

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 2025-11-11 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 


XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$43000.00} UNAUTHORIZED INQUIRIES : 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 2025-11-11 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 Balance {$300.00} XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Balance {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$380.00} XXXX XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX Balance {$42.00} XXXX XX/XX/year> 2024

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 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I spoke with Bridgecrest regarding the mistake on my credit report. On XX/XX/2025 I signed a modification contract with Bridgecrest. I agreed to pay {$240.00} on XX/XX/2025 and my next payment would be due on XX/XX/2025. I was told by entering in this agreement this would put my account current. I sign the contract on XX/XX/2025. They claim they do not go by the date you sign the agreement they go by the day that they process the paperwork. So they said they had to report me as late so I told them that officially I signed a contract that your agreed to on XX/XX/2025 so I was not behind in payment anymore once you accept the term in writing so you can not go back on your word. They said I should have sign the contract four days ago. I stated the day I signed the contract is the effective date otherwise you do not accept any money until you agree and you took the money so you agreed so they are refusing to honor the signature date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I must emphatically stress that this complaint is not a mistake and demands your immediate attention is a serious matter that can not be ignored. 
My credit report contains glaring inaccuracies that fail to meet the required standard of maximum possible accuracy, violating my rights. 
These errors are severely burdening me and relentlessly affecting my life in profoundly negative ways that are unimaginable to others. 
These are extraordinarily challenging times, and correcting or removing these inaccuracies is not just helpful it's an absolute necessity that would be a true blessing and a matter of justice.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Ive sent multiple requests to validate this debt, including certified mail, and TSI still hasnt provided a single document. No original XXXX XXXX contract, no billing history, and no proof of ownership. Yet, you continue to report and threaten further collection. 
These actions violate FDCPA 807 ( 8 ) and 809 ( b ) for continued reporting without validation and misleading collection attempts. Your reporting also fails to meet Metro 2 4.3.1 because youre furnishing data to the credit bureaus without proof of accuracy.

Youve had more than 60 days to comply, and your failure to provide evidence makes this account legally unverifiable. I want it deleted immediately, with written confirmation of deletion, and I want the threats to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Omni Financial Corp.
State: PR

Complaint narrative:
Hi, In XX/XX/year>, I began noticing that my XXXX XXXX started to dropfrom XXXX to XXXX and continued to decline. By XX/XX/year>, I checked with my credit monitoring agency, XXXX XXXX, and discovered a repossessed vehicle with an outstanding balance of {$16000.00}. 

I had served as a co-signer for my daughters car loan, so I reviewed her account and confirmed that all her payments were current and in good standing. I then attempted to contact Southeast Toyota Finance, created an online account on their website, and found the repossessed vehicle listed under my name. I immediately notified them that the vehicle was not mine. They removed it from my online account, but the error remained on my credit reports. 

Since then, I have been unable to reach them. The phone number they provide does not work from XXXX XXXX, and I have exhausted every possible option to speak with someone. I even posted comments on XXXX, which led to receiving a letter from XXXX XXXX XXXX XXXX providing the same phone number ( XXXX ) XXXX also doesnt work from XXXX XXXX. They asked for my phone number to call me back, but I am still waiting for that call. 

As a result of this mistake, my XXXX XXXX has dropped to XXXX. My credit cards have even been canceled because of it. I also found news reports stating that the company had a data breach affecting customer informationdata they are supposed to protect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OR

Complaint narrative:
Carrington Mortgage has incorrectly reported and managed my mortgage payments beginning in XX/XX/XXXX. The company has falsely marked certain automatic payments as failed, refused legitimate payment attempts, and issued a premature letter of intent to foreclose less than one month after the alleged missed payment. These errors have caused significant credit damage, financial burden, and emotional distress. 
Specifically, Carrington claims that second attempts at auto-pay withdrawals on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX failed. However, my financial institution, XXXX XXXX XXXX, provided written documentation confirming that no such withdrawal attempts were made and that my account had sufficient funds on those dates to cover the payments. 
Actions taken : When Carrington reported the payments missing, I attempted to make payments by phone on XX/XX/XXXX at XXXX to bring the account current, but Carrington refused to accept payment that way. At their direction, I purchased a money order from XXXX XXXX XX/XX/XXXX and mailed it to Carrington ; that payment was also refused. I made a second attempt over the phone to resolve this issue on XX/XX/XXXX at XXXX. 
Despite my good faith efforts to resolve the matter, Carrington issued a letter of intent to foreclose on XX/XX/XXXX less than a month after the alleged missed payment, which is unreasonably soon and contrary to standard procedures. 
Since then, I have continued making payments via certified express mail with signature confirmation through XXXX for XXXX, XXXX, and XX/XX/XXXX, all of which Carrington has received. I have documentation and receipts for each payment, as well as letters and statements from XXXX XXXX XXXX verifying payment attempts and available funds. 
Carringtons errors have caused : A XXXX drop in my credit score ( from XXXX to XXXX ) due to false delinquency reporting. Documented stress and worsening of pre-existing XXXX and anxiety, verified by my therapist, directly related to the foreclosure threat and lack of cooperation from Carrington. Additional costs of approximately {$32.00} per month in certified mailing fees and money order service fees due to Carringtons refusal to process payments normally.

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

Complaint narrative:
I am submitting this follow-up to formally dispute collection accounts currently being reported on my Equifax credit file. These accounts contain inaccuracies, unverifiable balances, and potential violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request an immediate reinvestigation, validation, and correction or deletion of the following entry : XXXX XXXX Balance : {$2000.00}

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

Complaint narrative:
XXXX RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ADDRESSES AND INQUIRES REPORTING.. '' INACCURATE Addresses : XXXXXXXX XXXX XXXX  XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Inaccurate inquires : XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX, XXXX XXXX Experian XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Experian

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 2025-11-11 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: GA

Complaint narrative:
XXXX RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ADDRESSES AND INQUIRES REPORTING.. '' INACCURATE Addresses : XXXXXXXX XXXX XXXX  XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Inaccurate inquires : XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX, XXXX XXXX Experian XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX Equifax XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Experian

Company response to consumer: Closed with non-monetary relief