vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to dispute the following accounts that I believe are inaccurately reported on my credit file. These accounts appear to be incorrectly marked as " charged off '' and are affecting my creditworthiness. Below is a detailed list of the disputed accounts separated by credit bureau. I kindly request a review of these items and appropriate action be taken to correct or remove them. 
Charged-Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} XXXX XXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12000.00} INQUIRIES EXPERIAN ( XXXX ) : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX XXXX Date Opened : 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been more than gracious and patient with Equifax, Experian and TransUnion in my efforts to have my credit profile corrected. They continue to ignore and stall the accounts that I have disputed and have clearly violated my rights under the FCRA 611 ( 15 U.S.C. 1681i ). I have even submitted multiple request for method of validation and even those requests have been ignored which is also a violation under FCRA 611 ( a ) 7. There are multiple accounts that have remained on my credit report that are incorrect, have not been validated nor verified and this is causing me to be subjected to hire interest rates and other burdens. I have submitted my disputes and have provided my drivers license along with proof of address with most recent utility statement, however they continue to drag their feet and even went as far as sending me a letter that they were uncertain that I was attempting to contest the inaccurate filings on my report. I will stop at no length to escalate this with the CFPB, the FCRA as this is a procedural violation.

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 2025-11-10 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 have been more than gracious and patient with Equifax, Experian and TransUnion in my efforts to have my credit profile corrected. They continue to ignore and stall the accounts that I have disputed and have clearly violated my rights under the FCRA 611 ( 15 U.S.C. 1681i ). I have even submitted multiple request for method of validation and even those requests have been ignored which is also a violation under FCRA 611 ( a ) 7. There are multiple accounts that have remained on my credit report that are incorrect, have not been validated nor verified and this is causing me to be subjected to hire interest rates and other burdens. I have submitted my disputes and have provided my drivers license along with proof of address with most recent utility statement, however they continue to drag their feet and even went as far as sending me a letter that they were uncertain that I was attempting to contest the inaccurate filings on my report. I will stop at no length to escalate this with the CFPB, the FCRA as this is a procedural violation.

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 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency XXXX 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. REMOVE ALL UNAUTHORIZED INQUIRIES Unauthorized Inquiries to Be Deleted Immediately : - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX- XXXX XXXX XX/XX/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 XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHRISTUS HEALTH
State: TX

Complaint narrative:
The company is XXXX XXXX XXXX, they are collecting for Christus Health. They have sent me bills for a debt in 2023 that is for someone else, not me. The name is the same, the DOB is different, and I never went to this ER for any procedure ever. 
I contacted the facility several times, and finally went in person to show them my ID. They said the matter was resolved. 
I received a letter from XXXX XXXX, they are trying to collect this money. I disputed the debt, they sent me a letter saying that I need to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 requesting that TransUnion reinvestigate the following items on my credit report. If the information can not be verified with proper documentation, I request immediate correction or removal. 

CHARGED-OFF ACCOUNTS ( TU ) XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$8200.00} XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$700.00} XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$490.00} XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$100000.00} LATE PAYMENTS ( TU ) XXXX Acct : XXXX This late payment appears inaccurate or unverifiable. If it can not be substantiated, I request removal.

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 2025-11-10 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:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am getting stone-walled by Equifax and XXXX XXXX about my credit report. 
I applied for credit card to XXXX XXXX  ( twice, once before talking to Equifax and then in XXXX after talking to Equifax XXXX. The reasons that the Bank gave me were as follows : 1. No open real estate secure loans in your credit file ( I have no mortgage on my house ) 2. Too many inquiries. ( Most from Equifax ). 
3. Not enough balance paid down over time on revolving accounts ( I only have credit cards that have been paid regularly as per Equifax ).

4. Lack of retail account information. 
I spoke to a XXXX XXXX XXXX who told me clearly that this information came from Equifax. When I had complained to Equifax in XXXX, XXXX, I was told that every thing will be fixed and there is nothing negative in my records with them. When I initially lodged complaint with CFPB, Equifax sent me their standard report which simply says I have paid all credit cards on time and I don't have excess debt etc. However, it didn't remove the statements based on which the Bank is denying me the credit card. 
It appears that the Bank is pointing fingers to Equifax and Equifax is pointing fingers to the Bank. 
I would like to know how can these adverse statement be removed from my credit report and would like to have something in writing from Equifax that these adverse statements have been removed from my credit history, in case I need a loan or mortgage.In fact, Equifax has sent this type of adverse report to XXXX XXXX company in XXXX, Florida also. In that credit report, they wrote : Lack of recent installment loan information Too many inquiries ( mostly by Equifax ) Length of time installment loans have been established ( industry options only ). 
I would like Equifax to explain to me what these mean and remove them from my credit report so that I can get the card and know these are not going to appear again in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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 submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit report lists collection accounts that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a completely accurate credit report. I am requesting a review of these accounts, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I recently received the provided letter that was dated XX/XX/year> from MCM ( Midland Credit Management ) regarding a debt that is XXXX years old. The debt was originated in XXXX  with a 4 year legal limit and I currently live in XXXX  with a 5 year legal limit to sue. They have provided a XXXX XXXX XXXX of XXXX which I have attempted to search online and haven't been able to find any information on this. I find this letter to be quite deceptive on the fact that they are threatening to pursue legal action when the statue of limitations have expired. According to the last line after XXXX XXXX 's signature it states " We will continue to pursue legal action until you fulfill the terms of an offer ''. I feel this is a form of blackmail or extortion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
This is a formal complaint to the CFPB regarding inaccurate and unverifiable information being reported on my Experian credit report. Despite prior attempts to resolve these discrepancies through Experians dispute channels, several accounts remain misreported or unverified. I am requesting that Experian conduct a full reinvestigation and ensure compliance with FCRA 611 by verifying each disputed account directly with the furnisher of information. Any data that can not be substantiated with proper documentation or records should be removed immediately to prevent further harm to my credit profile.

1. Charged Off Account Dispute Creditor :XX/XX/XXXXAccount Number : XXXX Date Reported : XX/XX/year> Balance : {$3600.00} Statement : This account is being reported inaccurately. I have not received proper validation of the debt, and no original contract or transfer documentation has been provided. Please conduct a thorough investigation and delete this tradeline if verification can not be confirmed in compliance with FCRA 611. 

2. Late Payment Reporting Dispute Accounts in Question : XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 disputing the following accounts with TransUnion for inaccuracies in reporting. Please investigate and correct these discrepancies. 

============================== CHARGED OFF XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} ============================== INQUIRIES XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX POSITIVE ( No items listed for dispute on any bureau ) LATE PAYMENT 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 explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: DE

Complaint narrative:
The company calculated the escrow incorrectly ( as in, not even close ). Multiple errors were made, and a tax payment has been missed. I contacted the company seeking to have this fixed on October 31, but have not received any contact from them indicating a case number or an expected resolution. The most I have received is an email that indicates they have received my email ( twice ). They have also refused to provide a contact email address beyond the generic customer service email. 

Here are the problems with the escrow calculation : 1 ) Property taxes were estimated at {$4400.00}. The actual value, which was available when the calculation was performed ( and has been available to the company since XXXX ), is {$3400.00} 2 ) The company claimed these property taxes were paid, at {$4400.00}, in XXXX. A review of the escrow ledger indicates that no property tax disbursements have been made in 2025. A review of county records also indicate that no funds have been received. 
3 ) The property taxes were due on XX/XX/year>. Today is XX/XX/XXXX, they have not been paid. 

The result of the company 's incorrect calculation is that they believe there is a shortage. This is not the case, there is an overage, and they need to execute the following : 1 ) Send me a check for the overage. 
2 ) Recalculate the escrow to reflect the correct property tax value. 
3 ) Pay the taxes that were due in XXXX, or pay them to me ASAP and I will pay them myself. 

This is the XXXX year in a row this company has incorrectly calculated escrow incorrectly. It is unacceptable for a company that specializes in this to be this wrong 100 % of the time.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
I am disputing the negative reporting on my Aidvantage account under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) because I had no prior knowledge of this loan. Between XXXX and XX/XX/XXXX, I received no statements, notices, or phone calls regarding repayment. 

I only became aware of the account when I saw the negative mark on my credit report in XXXX of XXXX, and on XX/XX/XXXX, I made a payment to bring the account to zero and restore it to good standing. 

I requested the original loan agreement and records of communications from Aidvantage, but they provided nothing. The delinquency resulted from their failure to provide proper notification, not from nonpayment, and I am requesting a reinvestigation and correction of the reporting. 

I still to this day am paying this loan with no loan agreement as they have yet to provide me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Subject : Incorrect Reporting, Inaccurate Account Information, and Failure to Provide Verification Randolph Brooks Federal Credit Union Complaint : I am filing a complaint against Randolph Brooks Federal Credit Union regarding inaccurate, misleading, and incomplete reporting on my credit file for an auto loan account ending in XXXX. 


There are multiple issues : Incorrect last payment date They are reporting the last payment as XX/XX/XXXX. 
This is false. 
-My last payment was made in ( Month/Year XXXX ). 

-Incorrect dates of delinquency and charge-off -The credit report shows inconsistent dates across bureaus. 
-The Date of First Delinquency is incorrect and appears re-aged. 
This artificially extends negative reporting past the allowed timeframe. 
-Account shows an incorrect or old address They are reporting an address I did not live at during the time of this loan. 
This is misleading and needs correction. 

They have failed to provide proper documentation I previously requested documents showing payment history and activity after my final XXXX payment. 
No documentation has been provided. 
These inaccuracies violate : FCRA 623 ( Duty to Report Accurate Information ) FCRA 607 ( b ) ( Maximum Possible Accuracy Requirement ) Representations ) I am requesting the CFPB to require XXXX XXXX XXXX to : -Correct the last payment date -Correct the Date of First Delinquency -Update my personal information accurately -Provide documentation of any payment they claim occurred after my last payment in XXXX -Remove or correct any inaccurate credit reporting including in correct address and spelling of name If they can not provide proof of payments or activity after XXXX, they should not continue reporting false information. 




Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYSis falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYSis 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 response to consumer: Closed with non-monetary relief