vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 
I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-15 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:
I am writing to dispute certain items on my Experian credit report. Upon reviewing my report, I found discrepancies and inaccuracies that need immediate correction. Below are the details of the accounts in dispute, along with the corresponding Fair Credit Reporting Act ( FCRA ) violations : Personal Information : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Date of Birth : XX/XX/year> SSN : XXXX -- XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} Date Opened : XXXX Discrepancy : The account is reported as " Negative '' despite being in good standing. This violates FCRA Section 1681e ( b ), which requires accurate reporting of account status. 
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} Date Opened : XXXX Discrepancy : The account is inaccurately reported as " XXXX, '' even though payments have been timely. This violates FCRA Section 1681i, which mandates the accuracy of the information reported.

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 2025-12-15 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete
that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: PR

Complaint narrative:
XXXX I, XXXX XXXX, have been disputing my XXXX XXXX  account, XXXX, for approximately five months, and all this time I have been ignored. I have been reading quite a bit about this E-OSCAR system, and in my experience, this system is designed against the consumer. All these disputes are converted into numerical codes and transmitted to the creditor, whose " investigation '' simply consists of searching for an account to find a " match. '' The agency 's investigation process does not meet most of the tests required to be considered " reasonable. '' In reality, the agency 's verification method is : Automated Without intervention Carried out as quickly and cheaply as possible Designed in such a way that it doesn't actually verify anything. I have decided to contact you because, in all past disputes, this bank never investigated anything ; they provided automated and pre-packaged responses. My rights have been violated. All of this has been detrimental to me and my family, as I am the one who supports them. I have also noticed that I am spending too many hours a day thinking about this problem. My psychologist has warned me and guided me on how to handle this matter. 

The account is XXXX XXXX, and there is a fraudulent charge on the balance of this account. I await your prompt response to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Date : XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account No. XXXX Formal Debt Validation Demand To Whom It May Concern, I am disputing the abovereferenced account under FDCPA 1692g and FCRA 623. Please provide competent evidence that I am legally obligated for this debt.

Required documentation includes, but is not limited to : Complete chain of title / bill of sale Original creditor agreement with my signature Itemized statement of balance Proof of permissible purpose to report Failure to provide this information requires deletion of this account from all consumer reporting agencies. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 a consumer who is actively trying to fix my credit. I am filing this complaint regarding inaccurate, incomplete, and/or unverified information Experian is reporting on my credit file. Under the Fair Credit Reporting Act, Experian must ensure that all reported information is accurate and verifiable. 

Charged-Off Account Experian is reporting the following charged-off collection account, which I dispute : XXXX XXXX, XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$4700.00} I dispute the accuracy, ownership, balance, and charge-off status of this account. Experian has not provided documentation demonstrating that this account was properly verified, including evidence of legal responsibility and complete account history. 

Hard Inquiry Experian is reporting the following inquiry that I do not recognize and did not authorize : XXXX XXXX XXXX CA XX/XX/XXXX I dispute this inquiry and request Experian provide proof of permissible purpose under FCRA 604. If such proof can not be produced, this inquiry must be removed. 

Late Payment Reporting Experian is reporting late payments on the following accounts, which I dispute : XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX I am requesting Experian conduct a lawful reinvestigation and remove any late payment information that can not be fully verified with complete payment history documentation.

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 2025-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: MORTGAGE SOLUTIONS OF COLORADO
State: WA

Complaint narrative:
b"I called in to MSF, to make a XXXX payment to the principle. I also made 3 mortgage payments for XXXX XXXX XXXX XXXX XXXX to be applied to principle.  I spoke to 2 people and had advised that the 180,000 needs to be applied to principle. MSF failed to do so, my monies went into a suspense account and was not released for XXXXdays. I gain interest, and had requested a reason of why this happened; I got anything from I don't know, to I don't understand why.  When asking for the interest to be reset back to XXXX XXXX when I made the very large payment. I was told they couldn't do that. I was also told I was overdrawn in my escrow acct, and I was already charged , and now I have over XXXX  in escrow. \n Per Federal Trade Commission and Consumer Financial Protection Bureau, A mortgage company can not gain interest on a client when the company mismanages the consumers funds and not applying them where they were told to. I am requesting that the interest gained be set back and refunded to me/ loan from OXXXX XXXX XXXX  to current. \nMortgage Solutions Financial  Loan Number: XXXX Their phone XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several accounts that are inaccurately reported on my credit reports. Below are the details of the accounts in question for each of the three major credit bureaus. 

XXXX XXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$780.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have encountered difficulties accessing my Equifaxaccount and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: LA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal 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 non-monetary relief
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several accounts that are inaccurately reported on my credit reports. Below are the details of the accounts in question for each of the three major credit bureaus. 

XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$6700.00XXXX XXXX XXXXXXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$520.00} XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$780.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I must emphasize that this complaint is not filed in error. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are causing significant distress and ongoing negative impacts on my life, and correcting them would provide substantial relief during this challenging period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Today I got a time to check my Equifax credit report and got badly surprised. I found fraudulent account from XXXXXXXX XXXX XXXXXXXX XX/XX/year> and XXXX fraudulent inquiries. The fraudulent inquiries from XXXX XXXX and XXXX XXXXXXXX XXXX. Please remove fraudulent items from my Equifax credit report, because I am a victim of identity theft. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-15 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: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified information TransUnion is reporting on my credit report. I am exercising my rights under the Fair Credit Reporting Act to dispute the following items.

Charged-Off Accounts Currently, TransUnion is not reporting the charged-off account listed above. If this account appears in the future, I dispute its accuracy and request proper verification. 

Hard Inquiries TransUnion is reporting the following inquiries that I do not recognize or authorize : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX dispute these inquiries and request TransUnion provide proof of permissible purpose under FCRA 604. Any inquiry that can not be verified must be removed.

Late Payment Reporting TransUnion is reporting late payments on the following accounts, which I dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that TransUnion conduct a reinvestigation and remove or correct any late payments that can not be fully verified.

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 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection at Law, Inc. A.P.C.
State: CA

Complaint narrative:
XXXX Amount I owed was {$8400.00} Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 the38668re 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