vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: TN

Complaint narrative:
On XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-12-16 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: SOUTHEAST MORTGAGE OF GA INC
State: GA

Complaint narrative:
Hi, on XXXX XXXX i received an Alert from my phone in reference to my credit report was pull without my knowledge ( XXXX ) didn't not give anyone permission to run my credit report for any reason .It was Southeast Mortgage Company XXXX XXXX XXXX, XXXX, Ga .According to the statue ( 15U.S.C. 1681 ) This is Fraudulent from Southeast Mortage Company and need to be removed from credit report immediately because it has dropped my credit score .So that my credit report can show a more favorable credit score. 



thank you XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Credit Grantor : XXXX XXXX XXXX  XXXX Credit Bureau : TransUnion Account Opened : XX/XX/XXXX Reported Balance : {$6900.00} Coverage Period : XX/XX/XXXX XX/XX/XXXX The tradeline for XXXX XXXX XXXX  XXXX was opened on XX/XX/XXXX with a reported balance of {$6900.00} covering the period XX/XX/XXXX XX/XX/XXXX. I was unemployed from XX/XX/XXXX due to COVID-19, as my company laid everyone off and there was no work. I notified the apartment complex in XX/XX/XXXX of my financial hardship and applied for rental assistance in XX/XX/XXXX, but I was placed on a waitlist, and the application was not processed in time. I was XXXX in XX/XX/XXXX. Despite these circumstances, the apartment complex reported a balance on my TransUnion credit report for rent during the months of the federally protected eviction moratorium. 

I requested verification and correction of the account from XXXX XXXX XXXX XXXXXXXX, but it remains inaccurately reported. The reported balance does not reflect the legal protections in place at the time. I am requesting that this tradeline be deleted.

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 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: GA

Complaint narrative:
CASCADE CAPITAL FUNDING , LLC allegedly had a debt transferred to them from a local hospital, the bill states, " As of XX/XX/XXXX, you owed : {$2300.00} '', I called the hospital, they didn't know what it was for, I called the debt collectors, they didn't know what it was for, I saw other emails saying the debt was actually attributed to the date " XX/XX/XXXX '', " in collections '', these debts just coming out of nowhere without explanation or corroborative evidence. My credit score has since gone down about XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: TX

Complaint narrative:
This is a debt from a dental treatment that my child had. The insurance failed to pay it. I then spoke with my insurance company and had it paid. The debt has still not been removed. It has been over 2 years since this debt was placed on my credit. XXXX XXXX XXXX has called Tek Collect inc on multiple occasions to have this debt removed and they still have not done it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NV

Complaint narrative:
ON XX/XX/year> SENT OUT DISPUTE LETTERS TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) DEMANDED AN IMMEDIATE INVESTIGATION AND CORRECTION UPDATE CREDIT ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: WI

Complaint narrative:
NetSpend Card by XXXX XXXX  was sent to my home. The card is not in my name. I do not want to be on the hook for purchases made using this card. NetSpend, XXXX XXXX  customer service is virtually not available. This entity does not conduct business like a legitimate business.

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 2025-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
This is a continuation of a complaint with XXXX, due to XXXX closing the complaint and still bearing no proof. XXXX continues to respond to my concerns by attaching the Motor Vehicle Lease Agreement and stating that I share responsibility under the lease. I do not dispute my guarantor status. That is not the issue. 

The issue is that XXXX failed to timely provide the documents I needed to act through proper legal and DMV channels, specifically : A certified copy of the title A Power of Attorney Between XX/XX/XXXX and XX/XX/XXXX, I made multiple requests for these documents and did not receive them in a usable timeframe. Now with me stating the facts and documents that I have ; XXXX now claims the documents were mailed to me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that documents were sent to the XXXX DMV on XX/XX/XXXX. 

I personally went to the XXXX DMV, and the DMV confirmed that no such documents were on file, preventing me from completing any transaction. After which, I called to check on these documents until XX/XX/XXXX. And it was always stated they do not have these documents on file. And during calls with XXXX each time I would have to give them my proper address and ask that documents not be sent to any other address, unless it was the one I have on file. Main reason being due to not receiving the documents at all, in which XXXX was made aware of EVERY TIME. 

As you can see from me requesting these documents and not receiving them, I had to keep requesting. XXXX even states that documents have been requested and sent multiple times. Why did I even need to request much needed documentation to the proper address so many times? 

XXXX has not provided proof of mailing or delivery for any of these alleged transmissions. Which they are now saying they have sent to me, and that I should have gotten them. 

I am requesting that XXXX be required to provide : Proof of mailing ( carrier, tracking numbers, dates, and addresses ) for all documents allegedly sent to me Proof of transmission and recipient details for documents allegedly sent to the XXXX DMV Without proof, XXXX claims are unsupported. Expecting performance from a guarantor while failing to provide necessary documentation is unreasonable and improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-16 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IL

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-16 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: GA

Complaint narrative:
Hi, on XXXX XXXX i received an Alert from my phone in reference to my credit report was pull without my knowledge ( .I ) didn't not give anyone permission to run my credit report for any reason .It was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ga .According to the statue ( 15U.S.C. 1681 ) This is Fraudulent from XXXX XXXX XXXX and need to be removed from credit report immediately because it has dropped my credit score .So that my credit report can show a more favorable credit score. 



thank you 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 2025-12-16 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: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
I am disputing the accuracy and reporting of the following account on my Equifax credit report. 
Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTE DETAILS This account is inaccurately reported due to : Discrepancies between Equifax and other bureaus Incorrect balance and account status Dispute marked resolved without correction Incomplete or inaccurate payment history This violates, but is not limited to : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) 15 U.S.C. 1681i ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( b ) DATA SECURITY NOTICE I do not acknowledge responsibility for this account. If it can not be properly verified, it must be deleted or blocked under 15 U.S.C. 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Netspend Corporation
State: IL

Complaint narrative:
Hello This is In reference to claim number XXXX I have been in contact with the merchant and was able to get the merchant to send over some the deposit receipts of the unauthorized transactions that where committed on my card ending in XXXX the merchant also provided the name on the account of this person that committed these unauthorized transactions they made a false name and made these unauthorized transactions to my card I did not authorize these charges on claim XXXX I will be attaching these documents I would like them to be uploaded to the case XXXX asap please ... Also I would like for my dispute to be investigated to the fullest of the regulation E standards

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 2025-12-16 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: OH

Complaint narrative:
Company : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting this complaint because XXXX XXXX is reporting two separate collection/charge-off accounts to Equifax using the same account number, but with different balances, dates, and account histories. This reporting is inaccurate and unlawful. 

Description of the Problem XXXX XXXX is reporting two different accounts with the same account number to Equifax : Equifax Listing # 1 Balance : {$710.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Past Due : {$710.00} Status : Closed / Collection / Charge-off Equifax Listing # 2 Balance : {$1200.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Past Due : {$1200.00} Status : Closed / Collection / Charge-off A single account can not have two different balances, open dates, last activity dates, or payment histories while sharing the same account number. This is duplicate and mixed reporting. 

Additional Reporting Errors XXXX and XXXX show no account data, while Equifax reports full details Conflicting balances and past-due amounts Conflicting dates of opening, last activity, and last payment Accounts marked closed with no closed date provided No documentation has been provided despite prior disputes XXXX XXXX has not provided : A signed contract or application Billing or payment history Proof of charge-off Proof of ownership or assignment Explanation for why two balances exist under the same account number This violates FCRA 623, which requires accurate and verifiable furnishing of credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Ive called a few times to advise account is due to identity theft, spoke to XXXX XXXX and was transferred to XXXX XXXX, ( not able to fully understand her ) and kept getting transferred when mentioning identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX Date : XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX Late Payments : XXXX XXXX Account Number : 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 2025-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
SANTANDER BANK Account : Closed Multiple CO entries Closed, {$0.00} balance Charge-off history continues post-closure Dispute Basis : Continued adverse reporting without balance ; improper post-charge-off updates. 

Violations Continuous CO reporting monthtomonth ( reaging ), violating 1681e ( b ). 
Misleading payment history on a closed account. 
Demand : Delete tradeline from all CRAs. 
FINAL NOTICE Failure to comply within 30 days will be documented as willful or negligent noncompliance with the FCRA, FDCPA, CARES Act, XXXX XXXX  standards, and FERPA where applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We tried to make a series of large payments for childcare in XX/XX/year>. The payment processor used by the childcare facility failed multiple times. This resulted in multiple additional charges. We complained to both our bank and the childcare facility. Both businesses refunded the charges. Four of the charges that were refunded were duplicates. In this instance my bank recharged us and submitted payment to the childcare facility. The childcare facility claims never to have received these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: TX

Complaint narrative:
I received via mail a Netspend prepaid debit card with a welcome letter with a routing and account number for an account I did not open. On XX/XX/2025, I attempted to contact Netspend by phone, but the automated system requires entering the card number, which would activate the account. I do not consent to activation.

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