vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: OH

Complaint narrative:
I am writing to formally dispute the following items on my credit report. I have identified discrepancies in the reported information and respectfully request that each item be investigated, corrected, or removed in accordance with the Fair Credit Reporting Act ( FCRA ). If the information can not be verified, I ask that it be removed entirely from my credit report. 
CHARGED-OFF ACCOUNTS XXXX, Account # XXXX, Reported on XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account # XXXX, Reported on XX/XX/XXXX, Balance : {$510.00} XXXX, Account # XXXX, Reported on XX/XX/XXXX, Balance : {$9600.00} INQUIRIES XXXX  XXXX, Reported on XX/XX/XXXX XXXX XXXX, Reported on XX/XX/XXXX XXXX, Reported on XX/XX/XXXX XXXX, XXXX on XX/XX/XXXX XXXX XXXX, Reported on XX/XX/XXXX LATE PAYMENT XXXX, Account # XXXX, Late Payment on Record

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 2025-11-03 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: OR

Complaint narrative:
I am writing to formally notify you that I have not received any response from the credit bureaus regarding my submitted disputes, despite the fact that more than 30 days have elapsed since their receipt. This lack of response constitutes a failure to comply with the investigative requirements outlined under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ).

As stipulated by the FCRA, if the disputed information is not verified or investigated within 30 days, such items must be promptly deleted from the consumers credit report. To date, no investigation results have been provided, and no updates or deletions have been made to the disputed accounts. Accordingly, I am requesting the immediate action of all items that were not verified within the statutory timeframe.

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 2025-11-03 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: TX

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration. My credit report contains multiple errors that I can no longer overlook, as they have been negatively affecting my XXXX XXXX and overall quality of life. These inaccuracies have made it extremely difficult for me to achieve financial stability and peace of mind. This ongoing issue has caused unnecessary stress and hardship, and it is unacceptable that such errors remain uncorrected.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
As of XX/XX/year>, XXXXResurgent Receivables reported a balance of {$1900.00} on an Alleged Account No. XXXX. On XX/XX/year>, I sent via Certified Mail, return requested ( see attached ). NOTICE OF DISPUTE & DEMAND FOR VALIDATION ( see attached In which I asked the following : 1. Bill of Sale or other legal document showing that this specific account was sold or transferred to your agency. 
2. A copy of the Forward Flow Agreement ( or other purchase agreement ) governing the alleged sale of debts, including terms under which this account was transferred.

3. The complete chain of title/assignment, documenting every transfer of this account from the original creditor to you.

4. A copy of the original signed application/contract bearing my signature.

5. All account-level documentation, including statements, payment history, charge-off details, and calculation of the alleged balance. 

I have not received any response from them. It is XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax failed to Provide a Proper investigation on my Dispute. They stated it was verified and accurate. I understand now. Why Equifax is in a Lawsuit. This is A Crime against every Consumer that Files a Dispute A Investigation is not Completed The Payment History is Clear. I have provided proof XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 
All have inaccurate payment information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
I am requesting that the following items be investigated as I believe they are inaccurately reported on my TransUnion credit report. These accounts are being disputed in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$580.00} XXXX, XXXX, XX/XX/XXXX, {$1900.00} XXXX, XXXX, XX/XX/XXXX, {$1900.00} LATE PAYMENT XXXX XXXX XXXX, XXXX INQUIRIES XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I am writing to dispute the following items on my credit report. Please investigate and correct or remove any inaccurate or unverifiable information in accordance with the Fair Credit Reporting Act. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$0.00} Please verify that this account is correctly reported as charged-off and provide documentation supporting its reported status. 

XXXX XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Current Balance : {$0.00} XXXX dispute the accuracy of this account 's balance and request verification. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$2100.00} Please confirm the accuracy of the balance and reporting date for this account. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$3700.00} I am requesting verification and clarification regarding this accounts status. 

Bankruptcy Account Number : XXXX Date Filed : XX/XX/XXXX Current Balance : {$0.00} Please confirm that the bankruptcy entry is accurate and properly reflected. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Current Balance : {$0.00} I request verification of this accounts status, as I suspect it XXXX not be accurately reported. 

Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please confirm the authorization for these inquiries, as I believe they may have been inaccurately reported. 

Late Payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-03 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( formerly XXXX XXXX  XXXX XXXX XXXX ) continues to report an inaccurate mortgage account to XXXX  after the loan was foreclosed and settled. The account, identified as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, shows an open balance of about {$480000.00} and a status of XXXX days past due. 

In reality, this balance includes a prior construction loan ( XXXX XXXX. XXXX, secured by XXXX XXXX XXXX XXXX ) that was foreclosed by court order on XX/XX/year> and fully settled by XX/XX/year>. The banks reporting fails to show that this loan was legally closed with a {$0.00} balance. 

A XXXX  and separate loan ( XXXX XXXX. XXXX ) remains active and current for XXXX & XXXX XXXX XXXX XXXX, but XXXX  XXXX  cross-linked both accounts, causing the false high balance and delinquency. Despite written requests and discovery in my ongoing case ( XXXX, XXXX XXXX XXXX XXXX XXXX, the bank has not corrected or verified the information.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX ( formerly XXXX XXXX  XXXX XXXX XXXX ) continues to report an inaccurate mortgage account to XXXX  after the loan was foreclosed and settled. The account, identified as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, shows an open balance of about {$480000.00} and a status of XXXX days past due. 

In reality, this balance includes a prior construction loan ( XXXX XXXX. XXXX, secured by XXXX XXXX XXXX XXXX ) that was foreclosed by court order on XX/XX/year> and fully settled by XX/XX/year>. The banks reporting fails to show that this loan was legally closed with a {$0.00} balance. 

A XXXX  and separate loan ( XXXX XXXX. XXXX ) remains active and current for XXXX & XXXX XXXX XXXX XXXX, but XXXX  XXXX  cross-linked both accounts, causing the false high balance and delinquency. Despite written requests and discovery in my ongoing case ( XXXX, XXXX XXXX XXXX XXXX XXXX, the bank has not corrected or verified the information.

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 2025-11-03 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: SC

Complaint narrative:
I am disputing accounts and late payment records on my TransUnion report that appear inaccurate or unverifiable. I request a full reinvestigation under the FCRA. 

Charged-Off / Collection Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX  Account XXXX XXXX, XX/XX/XXXX, {$3300.00} Please verify these accounts and remove any that are inaccurate or unverified. 

Inquiries None listed for TransUnion. 

Late Payment Reporting XXXX XXXX  XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX I request verification of all late payments and correction or removal of any inaccuracies.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS IS INACCURATE ACCOUNTS. IT DOES NOT BELONGS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing inaccurate or unverified information on my credit reports. The furnisher/CRA has not demonstrated accuracy or a reasonable investigation. XXXX requesting deletion if unverified, or complete correction of all fields ( dates, status, balance, payment history ). For late-payment issues, remove any late codes posted when payment was under XXXX  days past due or otherwise misdated. Please update all XXXX  CRAs and provide written confirmation.

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 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/year> I got a text message saying that there was a XXXX payment through my account around {$2000.00} in which was caught as suspicious. Just below that paragraph there was a part that said did you authorize this payment reply YES or NO. I replied no, then got a text message almost instantly saying that someone will get ahold of me. Then got a phone call which I was unable to answer at that time. I called back a couple minutes later stating that Im returning a call about a fraud charge through my account. The person on the other side of the phone seemed aware of what was happening and then told me if theres anything that I couldve done to get a fraud charge. I said no, and they said that when I go get gas to go inside and pay instead of using the pay option outside because of scammers. Then said he was looking at my account to see where the XXXX payment came from where he said it was located in XXXX Florida and asked if anyone in the area could get into my account where I said no. He then said ya makes sense because that address is pretty far from where you are. He then transferred me to another representative. I was on the phone for about XXXX minutes with this man. The phone-call was then picked up by this new person to help me further. He firstly asked if the most recent 5 charges in my account looked correct, and when I said yes he said that it was a good thing and that they caught it in time before the XXXX charge was able to go through. They then asked to make sure that my checking and savings accounts also looked alright and when I said yes they said ok good youre seeing what Im seeing. They then asked about the text I got about the XXXX charge and to see if it added up to the three charges that they can see, and I said yes. The man then said that he could either get rid of XXXX on my account or they could do this refund payment thing to secure my XXXX account, I said I would rather do the secure thing because I use XXXX quite frequently. They gave me step by step instructions on what I needed to do. They then gave me a number, XXXX, which they claimed was my report number and to put that in the XXXX along with the name XXXX XXXX who was the case manager for that report. They gave me the first charge amount, {$850.00}, and said that I needed to send that to this case worker and that once it goes through that itll be transferred back into my account. I was put on hold for a while and then got taken off and said that they were 75 % done with the retransfer. And about XXXX minutes after that I was hung up on and the money was out of my account. I tried to call the number back ( XXXX ) but would go straight to voicemail. Then I called my bank ( XXXX ) and filed a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: SC

Complaint narrative:
I am submitting this complaint to dispute the following information on my credit report. I request that each of these items be reviewed for accuracy and corrected if necessary. If the information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

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

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