vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
I am filing this complaint because Experian continues to report inaccurate and/or unverifiable information on my credit report despite my previous attempts to correct it. The following items are being disputed : Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple accounts ( see attached ) reporting inconsistent balances ( {$1200.00} {$1600.00} ) XXXX XXXX Multiple accounts reporting inconsistent balances ( {$990.00} {$1700.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$3700.00} These accounts contain inaccurate dates, balances, or statuses, or are being duplicated under different names. Some appear to have been sold or transferred multiple times without proper validation or chain of title. I request that Experian provide full verification of each item or remove them immediately under the Fair Credit Reporting Act ( FCRA ). 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized and should be investigated and deleted if found invalid. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify these late payment records and provide documentation from the original creditors ; otherwise, remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Early Warning Services, LLC
State: NV

Complaint narrative:
I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MS

Complaint narrative:
I am a consumer who is actively working to repair my credit. Below are the details of the accounts I am disputing. I respectfully request that these issues be investigated and resolved according to the Fair Credit Reporting Act ( FCRA ). Please find the account details separated by each bureau for your reference. 

Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My mortgage loan with XXXX XXXX XXXX XXXX XXXX XXXX  shows a delinquency for the XX/XX/year> payment cycle that is inaccurate and caused entirely by a bank processing error. 

I attempted to make my XXXX payment on XX/XX/year> through XXXX online payment system. The payment initially showed as successfully submitted. On XX/XX/year>, the payment was reversed because a stop payment was unknowingly placed on my checking account by my bank, which I was not informed was still in place- it was only for XX/XX/year>. This reversal was not due to insufficient funds, neglect, or intentional nonpayment. 

As soon as I became aware of the reversal, I immediately paid the amount due and brought the account fully current on XX/XX/year>, well before the servicer reported the XXXX cycle to the credit bureaus. My account currently shows Paid/Current in the XXXX system XXXX 

Despite this, XXXX representatives stated that they can not submit a suppression code and must follow internal requirements, even though the delinquency was caused by a financial institution error, which makes the information inaccurate under the Fair Credit Reporting Act ( FCRA ) if reported. 

I am requesting CFPB intervention because XXXX  has refused to : Flag my account for reporting correction, Submit an AUD or suppression code to prevent inaccurate reporting, and Confirm that the late payment will NOT be reported to any bureau despite being asked multiple times. 

Given that the delinquency resulted from a banking system error, any reporting of a 30-day late is factually inaccurate and would cause substantial and immediate credit harm as I am in the middle of a pending loan closing. 

What I want XXXX  to do : Prevent the inaccurate 30-day late from being reported to Experian, XXXX XXXX XXXX 

If it has already been transmitted, submit a suppression/AUD correction immediately to reverse it. 

Provide written confirmation that they have taken these steps.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Herbert P. Sears Co., Inc.
State: FL

Complaint narrative:
I am submitting this complaint because I am a documented victim of identity theft and multiple fraudulent accounts, inquiries, and negative items are being reported on my credit file without my authorization. 

I completed an FTC Identity Theft Report and provided my identity documents and supporting evidence to the credit bureaus. I also submitted written disputes by certified mail under FCRA 605B and 611. Despite this, the credit bureaus and certain furnishers have failed to block or remove the fraudulent information as required by law. 

The items I am disputing are not mine, were opened without my consent, and were created using my stolen personal information. I have never opened these accounts, used them, or authorized anyone to open them. These fraudulent accounts are causing significant harm to my credit standing and preventing me from obtaining housing, transportation, and financial stability. 

I am requesting that the CFPB investigate and require the credit bureaus and furnishers to comply with federal law, properly process my identity theft documentation, conduct a lawful reinvestigation, and remove all fraudulent accounts, inquiries, and negative information associated with the identity theft. 

I have already taken the proper steps with the FTC and the credit bureaus, and I am requesting your assistance because the credit bureaus and furnishers are failing to correct my credit report as required under the FCRA.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Midwest Fidelity Services, LLC
State: FL

Complaint narrative:
I was contact by Midwest Fidelity Services LLC for a debt from XXXX XXXX, I attempted to set up a payment pls with XXXX XXXX because the interest rate was illegal in my state and they never gave me the opportunity and sent my debt to Midwest Fidelity Service, I attempted to contact Midwest about the debt and have not been successful, The loan interest rate os considered illegal in my state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
The entry contains deficiencies and inaccuracies pertaining to my financial standing. I ask that it be examined and corrected to reflect the truth. 

The information presently shown is incomplete and misrepresents my financial conduct. I request a formal investigation and appropriate correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
CFPB COMPLAINT LVNV FUNDING LLC {$1000.00} I am filing this formal complaint because a collection agency has placed an account on my credit reports that does not belong to me, and I have never had any obligation, contract, agreement, or relationship with this collector. Their actions are damaging my credibility, harming my financial reputation, and violating multiple federal laws under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
This collection agency is reporting false, inaccurate, incomplete, and entirely unverifiable information on my XXXX XXXX XXXX XXXX reports without my consent, without a permissible purpose, and without providing a single piece of real evidence proving I owe this alleged debt. This is outrageous, negligent, and unlawful under federal regulations. 
Under FCRA 15 U.S.C. 1681e ( b ), furnishers and credit bureaus must ensure maximum possible accuracy, yet this collector is reporting unverified information that has no contractual basis and no supporting documentation. 
Under FCRA 15 U.S.C. 1681b, no entity may obtain or furnish my personal information without written authorization, which I have never provided.

Under FDCPA 15 U.S.C. 1692g, a debt collector must produce real validation an original contract with my wet-ink signature, a full itemized payment ledger, chain of title, assignment agreements, and any insurance claim records. This collector has provided none of these required documents. 
Their refusal or inability to validate the debt, combined with their continued reporting, constitutes willful noncompliance, reckless disregard for federal law, and an attempt to collect a debt that is not legally connected to me. 
For these reasons, I am requesting immediate CFPB intervention. 
LEGAL VIOLATIONS FCRA 15 U.S.C. 1681e ( b ) : Reporting inaccurate and unverifiable information.

FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : No reasonable investigation performed.

FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Unverified accounts must be deleted. 
FDCPA 15 U.S.C. 1692g : LVNV failed to provide : Contract with wet signature Payment history Chain of title Proof of debt ownership Assignment documentation FCRA 15 U.S.C. 1681b : I never gave authorization for LVNV to obtain or furnish my data. 
REQUEST FOR ACTION I request the CFPB : 1. Investigate LVNV 2. Require full validation 3. Permanently delete if unverified MY INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX : XX/XX/year> Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
I am disputing inaccurate, incomplete, and unverifiable information reported by Experian in violation of the Fair Credit Reporting Act ( FCRA ), Sections 602, 609, and 611, and METRO 2 reporting standards. Experian has failed to ensure the maximum possible accuracy and completeness of my credit data. Under Section 611, unverifiable information must be deleted promptly. I demand immediate investigation and deletion within four ( 4 ) days.

1. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. I was never late on the payment and here i can see multiple late payment being reported. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Please remove it 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 2025-12-03 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My bank is Chase bank. I wrote a check to the US treasury for amount of {$910.00} dollars. The check was then stolen and cashed multiple times by the thief. They also used the account information on the check for an ach debit of {$400.00} to pay XXXX, which is a XXXX XXXX XXXX XXXX. I filed claims with Chase bank about the stolen check and the ACH debit. The stolen check that was being cashed multiple times was reversed. But Chase denied my ACH debit claim.

Company response to consumer: Closed with explanation