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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I found several inaccurate, unverifiable, and misleading items that continue to be reported despite multiple previous disputes. These include late payments, duplicate reporting, and unauthorized hard inquiries that have not been validated by the furnishers. The accounts in question involve XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 

Each of these creditors is reporting late payments and derogatory notations that have not been substantiated with billing statements, payment records, or notice of delinquency, which is a violation of FCRA 607 ( b ) ( requirement for accuracy ) and FCRA 611 ( a ) ( failure to properly reinvestigate ). For example, XXXX XXXX XXXX and XXXX XXXX XXXX are reporting 30- , 60-, 90-, and 120-day late payments with inconsistent dates and unverifiable histories. XXXX XXXX XXXX XXXX XXXX report a 60-day late payment on a closed account, which is factually impossible. XXXX XXXX XXXX Shops is inaccurately reporting a late payment even though I am only an authorized user, not financially responsible for the account. XXXX XXXX XXXX and XXXX XXXX Bank have both failed to produce payment history records or any written evidence proving these late payments occurred. 

In addition to these inaccurate accounts, there are numerous unauthorized hard inquiries on my credit reports from companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX among others . I did not authorize these inquiries, nor have any of these furnishers provided signed credit applications or proof of permissible purpose under FCRA 604 ( a ) ( 2 ). The pattern of multiple clustered inquiries suggests potential misuse or overexposure of my credit information without my consent. 

Despite multiple disputes and requests for validation, the credit bureaus have continued to verify these items without providing evidence of proper reinvestigation or validation. This ongoing reporting of unverifiable information and failure to provide documentation is a direct violation of the Fair Credit Reporting Act ( FCRA ) and demonstrates willful noncompliance by the bureaus and furnishers.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After reviewing my credit reports from Experian, Equifax, and TransUnion, I found several inaccurate, unverifiable, and misleading items that continue to be reported despite multiple previous disputes. These include late payments, duplicate reporting, and unauthorized hard inquiries that have not been validated by the furnishers. The accounts in question involve XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX 

Each of these creditors is reporting late payments and derogatory notations that have not been substantiated with billing statements, payment records, or notice of delinquency, which is a violation of FCRA 607 ( b ) ( requirement for accuracy ) and FCRA 611 ( a ) ( failure to properly reinvestigate ). For example, XXXX XXXX XXXX and XXXX XXXX XXXX are reporting 30- , 60-, 90-, and 120-day late payments with inconsistent dates and unverifiable histories. XXXX XXXX XXXX XXXX XXXX report a 60-day late payment on a closed account, which is factually impossible. XXXX XXXX XXXX Shops is inaccurately reporting a late payment even though I am only an authorized user, not financially responsible for the account. XXXX XXXX XXXX and XXXX XXXX Bank have both failed to produce payment history records or any written evidence proving these late payments occurred. 

In addition to these inaccurate accounts, there are numerous unauthorized hard inquiries on my credit reports from companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX among others . I did not authorize these inquiries, nor have any of these furnishers provided signed credit applications or proof of permissible purpose under FCRA 604 ( a ) ( 2 ). The pattern of multiple clustered inquiries suggests potential misuse or overexposure of my credit information without my consent. 

Despite multiple disputes and requests for validation, the credit bureaus have continued to verify these items without providing evidence of proper reinvestigation or validation. This ongoing reporting of unverifiable information and failure to provide documentation is a direct violation of the Fair Credit Reporting Act ( FCRA ) and demonstrates willful noncompliance by the bureaus and furnishers.

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: 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: FL

Complaint narrative:
I previously filed a complaint with the CFPB regarding inaccurate information on my TransUnion credit report, but it was unfairly closed stating it was submitted by a third party. I am filing this complaint directly to request a proper investigation. 

TransUnion is reporting XXXX wrong addresses, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, which do not belong to me. They also continue to report several inaccurate accounts. The account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a charge off that I have no knowledge of. The account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is incorrectly showing a late payment even though I have never paid late. XXXX XXXX XXXX XXXX XXXXccount is listed as a collection I do not recognize, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is shown as charged off for an account I never opened. 

I am requesting that the CFPB require TransUnion to conduct a full reinvestigation under FCRA XXXX and delete all unverifiable or inaccurate information from my credit file.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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 non-monetary relief
Consumer complaint received 2025-11-11 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: SC

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 2025-11-11 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: CA

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report. These accounts are inaccurately reported, and I request that you investigate and correct the information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Disputed Inquiry I am also disputing the following inquiry that appears on my credit report : 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 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
My mortgage servicer, United Community Bank, has improperly used {$6300.00} of my escrow funds to pay property taxes for XXXX ( XXXX ) properties that I do not own. 

In XX/XX/year>, my mortgage servicer increased my monthly payments by approximately {$550.00}. For the past year, my family has been forced to pay this amount, causing us severe financial hardship. We believed this was due to a property tax reassessment, which we appealed with our county, won, and submitted an escrow adjustment request on XX/XX/year>. 

On XX/XX/year> I received a generic reply the issue had been forwarded to escrow, with response to be provided within XX/XX/XXXX days max. 

By XX/XX/year>,XX/XX/XXXX days later, I still had not received a reply, explanation, or financial overcharge correction, so I emailed United Community Bank Customer Support again to request a status update. 

On XX/XX/year> I received a reply that their tax department needed clarification, as they were reflecting XXXX parcels, while I submitted a request for only XXXX. 

On XX/XX/year>, I replied with full details of the only property I own- XXXX, single parcel, that I do not own the XXXX adjacent parcels. I explained this is the same as has been for the previous years, as shown on closing documents, prior mortgage and escrow activity , county records, etc. 

On XX/XX/year> I once again received a response only stating the concern had been forwarded to the escrow team. I have yet to hear any other feedback via email. To date, I have also received XXXX mailings from them, only stating that they received the complaint and request, that they would be in contact with a resolution soon. Soon never comes. 

I received my year-end escrow statement dated XX/XX/year>, and discovered the true reason for the increase. The statement shows that my escrow account was in fact used to pay a total of almost {$11000.00} in property taxes for the XXXX different properties in my " subdivision. '' I only own XXXX of these properties. My correct, official property tax bill for the year is only {$5500.00} according to county records. 

My servicer took an extra {$6300.00} from my family and used it to pay the debts of other homeowners. This is not an accounting error ; it is a complete failure of their duty. I have tried to communicate with them about my high payments, but I have received no help. 

This XX/XX/XXXXmonth overcharge has caused my family severe financial stress and hardship, has depleted our savings, has caused credit issues, late payments with penalties and fees on other bills, and has caused overall familial duress.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: IA

Complaint narrative:
Revco medical collections company. 
Telephone number XXXX I had a medical bill that I'd missed paying and it went to them for payment. When I called them to pay, the wanted to charge me {$3.00} fee. Only allowing me to pay by HSA if I said the words, 'it 's ok to charge my HSA card this fee '. I believed I shouldn't be saying that on a recorded line, as I am not supposed to be charging fees to my HSA card. 
I used my credit card to pay the debt, rather than my HSA in this instance to avoid the catch XXXX  they'd put me in. 
I believe their practice of charging fees on HSA cards is not right and should be looked in to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX [ XXXX XXXX XXXX, XXXX XXXX XXXX ] [ XXXX XXXX, California XXXX ] [ XXXX ] [ XXXX ] Date : XX/XX/XXXX National Credit Systems , Inc . 
XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Formal Dispute of Alleged Debt Amount : {$10000.00} To Whom It XXXX Concern, I, XXXX XXXX XXXX, am writing to formally dispute the validity of an alleged debt in the amount of {$10000.00} that your company claims I owe. I have never done any business with National Credit Systems , Inc., and therefore have no contractual or financial obligation to your organization. 

Furthermore, I did not renew my lease after XXXX, and therefore had no ongoing financial obligation or lease responsibility after that date. Any account or claim stating otherwise is inaccurate, unverified, and not legally enforceable. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide full validation of this alleged debt, including : A copy of the original signed contract or lease showing I am legally responsible for this debt. The name and address of the original creditor. A detailed accounting of how the amount of {$10000.00} was calculated.

Until you provide complete verification as required by law, you must cease all collection activities, including reporting or continuing to report this alleged debt to any credit reporting agencies.

If this debt is found to be incorrectly attributed to me, I demand that you immediately remove any related entries from all consumer credit reports and provide written confirmation that this has been done. 

Please consider this letter as official notice to dispute this alleged debt in its entirety. 

Sincerely, XXXX 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: CA

Complaint narrative:
Review the enclosed documents ; these inquiries were submitted without notice and might be unapproved.

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: MN

Complaint narrative:
I do not own or control these accounts ; remove them within XXXX  days under USC 1681g.

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 status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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: EQUIFAX, INC.
State: NV

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX Credit card dispute case number agXXXX XXXX XXXX XXXX XXXX bank of XXXX credit card XXXX XXXX Citi Bank XXXX XXXX : {$2100.00} Dear Consumer Finance Bureau , I am writing to formally file a complaint regarding a recent transaction with Citi Bank .

To summarize the situation : I purchased a purse valued at {$2100.00}. When delivery was first attempted, I was not home to sign for the package, so it was returned to the warehouse. I then specifically instructed the merchant by phone not to resend the item, as I had already obtained the purse directly from their store.

Despite this, the merchant resent a new purse to my address without my permission. This time, they did not require a signature for a product of such high value and allegedly left it at my fence. I never received this second package. Given that my area is known for mail theft, a signature should have been mandatory for a delivery of this value.

I disputed the charge with my credit card company, Citi bank. Unfortunately, Citi bank has sided with the merchant after they provided what they claim is proof of delivery, without considering my repeated follow-ups and the lack of a proper signature confirmation.

In conclusion, I am requesting that either I receive a full refund of the {$2100.00} or that the product is resent with proper signature confirmation to ensure safe delivery.

I followed up with Citi bank multiple times they always said that the dispute is " in process '' and now they tell me it's closed and I can not reopen it. They didn't not update me properly or give me any chance to object, nor provided me with a detailed report of their investigation. 

Thank you for your attention to this matter.

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: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: NV

Complaint narrative:
I checked my credit karma account and I noticed an unfamiliar collection and for some reason I looked up where this supposed physician was located because I wasnt familiar with the part of town that the address was in. Its some house in XXXX XXXX XXXX XXXX, Nevada, and I have never been there in my life so I know that this is a victimization of fraud. And even if I did have a medical bill like this through some type of physician in the time that it was reported was XX/XX/XXXX and theyre saying based on the report that the bill or however, you referred to it was back in XXXX and I had XXXX so it would not be a charge at all because I have no income. This must be some form of identity theft. I would like this removed from my credit report completely or legal action must be taken based on my rights.

Company response to consumer: Closed with explanation