vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: MI

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 2025-11-21 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: NC

Complaint narrative:
I am submitting this complaint because the following items on my Experian credit report are inaccurate and need to be investigated and removed in accordance with the Fair Credit Reporting Act ( FCRA ) : Charged-Off / Collection Accounts XXXX XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX, balance {$1100.00} XXXX XXXX XXXX, Account # XXXX Reported XX/XX/XXXX, balance {$200.00} XXXX XXXX XXXX XXXX Account # XXXX Reported XX/XX/XXXX, balance {$1200.00} XXXX  XXXX, Account # XXXX Reported XX/XX/XXXX, balance {$4100.00} These accounts are either inaccurately reported, do not belong to me, or are being reported beyond the allowable time frame. I am requesting that Experian verify each account directly with the original creditor and provide documentation showing how these debts were validated and verified under FCRA 611.

Unauthorized Inquiries XXXX, Inquiry Date : XX/XX/XXXX This inquiry was unauthorized. I did not apply for credit with this company. Please remove this unauthorized inquiry from my Experian report under FCRA 604. 

Late Payments XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX These late payments are inaccurate and not consistent with my payment records. Please investigate and update the payment history accordingly.

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 2025-11-21 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: NC

Complaint narrative:
I am submitting this complaint as a consumer attempting to correct inaccurate or incomplete information on my credit reports. I have contacted the credit bureaus but have not received a satisfactory resolution. Below is a detailed list of the accounts and items I am disputing with each credit bureau. 

Charged-Off Accounts ( Disputed ) : XXXX  XXXX Account ending XXXX, Date : XX/XX/XXXX, Amount : {$17000.00} XXXX  XXXX Account ending XXXX, Date : XX/XX/XXXX, Amount : {$5600.00} XXXX XXXX XXXX  XXXX Account ending XXXX, Date : XX/XX/XXXX, Amount : {$4900.00} Reason for Dispute : I am disputing the accuracy of these charged-off accounts. Please verify ownership, balance, and date of first delinquency. If unverifiable, remove or correct them immediately. 

Inquiry ( Disputed ) : XXXX XXXX, Inquiry Date : XX/XX/XXXX I do not recall authorizing this inquiry. Please confirm if it was made under permissible purpose guidelines. 

Late Payment Accounts ( Disputed ) : XXXX ( XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX ( XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX ( XXXX ) Reason for Dispute : Late payment history appears inconsistent across reporting bureaus. I request verification of all reported late payments and removal of any incorrect data.

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 2025-11-21 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PulteGroup, Inc.
State: NC

Complaint narrative:
Company : Pulte Mortgage LLC Product : Conventional mortgage Issue : Incorrect disclosures, unexplained fee increases, potential UDAAP violation, and failure to provide accurate cost information Complaint : I am submitting this complaint because Pulte Mortgage provided inaccurate, inconsistent and potentially misleading cost disclosures during my mortgage process for a new-construction home.

I received a written affordability illustration from Pulte at the time of purchase showing closing costs of approximately XXXX dollars. However, the Loan Estimate issued by Pulte Mortgage shows total closing costs of XXXX dollars. This represents increases of more than 23 percent without a valid explanation. 

The specific discrepancies are as follows : Closing costs increased by XXXX percent. 
Prepaids increased by XXXX percent. 
Lender fees increased by XXXX percent. 
Total costs increased by XXXX percent. 

Pulte Mortgage attributed these increases to credit score differences, but this is factually incorrect. Credit score adjustments affect only Section A ( origination and discount points ). Despite this, the lender increased title fees, settlement fees, admin fees, escrow items and other categories not affected by credit score. These increases appear inconsistent with TILA and RESPA disclosure requirements.

In addition, the Loan Estimate reflects XXXX dollars in lender or builder credits, even though I qualify for credits through my corporate relocation program and through the builder incentive for using Pulte Mortgage. These credits were omitted without explanation.

I requested : A detailed breakdown of all costs, Removal of optional Section H fees, Clarification of third party fee calculations, And alignment with the initial written affordability numbers.

The lender did not provide adequate explanation and gave inconsistent or incomplete answers. This raises concerns regarding accuracy of disclosures, transparency and potential unfair or deceptive acts under UDAAP.

I respectfully request that the CFPB review this matter and require the lender to : Provide corrected and accurate disclosures.

Explain the discrepancies in writing.

Apply all eligible credits.

Remove optional fees not required for closing.

Confirm compliance with RESPA, TILA and UDAAP standards.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MA

Complaint narrative:
I recently reviewed my credit report and noticed several accounts that I did not authorize. These fraudulent accounts are being reported by a third party and are hurting my ability to obtain credit. Please remove them from my report immediately.

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 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-21 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-21 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
Subject : Debt Validation Request Process # XXXX ( XXXX XXXX XXXX  Account from XX/XX/XXXX | Alleged Balance : {$88.00} ) To Whom It May Concern, This letter is in response to your communication regarding the alleged XXXX XXXX XXXX  debt from XX/XX/XXXX associated with Process # XXXX and an alleged balance of {$88.00}. 

Per our recent communication, you stated that this alleged debt was placed with your company on XX/XX/XXXX. 

My first contact with one of your phone representatives occurred on XX/XX/XXXX. 

Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting full validation of this alleged debt. Please provide the following documentation : Complete account statements from XXXX XXXX XXXX showing how the balance of {$88.00} was calculated. 

Proof of ownership or assignment showing Valor Intelligence has the legal right to collect this account. 

A copy of any contract or service agreement bearing my signature. 

The date of last payment, if any exists. 

Full original creditor information ( name, address, original account number ). 

A detailed breakdown of any fees, interest, or added charges included in the balance. 

Proof that the debt is within the Texas statute of limitations for collection. 

Until this information is provided, I dispute this debt in its entirety and request that all collection and reporting activities cease immediately as required by law. 

Please send validation to the contact information below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I expect full compliance within the legally required timeframe. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 accuracy of the following accounts on my Experian credit report. These accounts are reported incorrectly, and I request that they be investigated and removed or corrected as necessary. 

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 XXXXXX/XX/XXXX Balance : {$8800.00} Inquiries : No inquiries listed for Experian. 

Positive Accounts : No positive accounts listed for Experian. 

Late Payments : 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 explanation
Consumer complaint received 2025-11-21 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 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 2025-11-21 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: NY

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of multiple late payments across XXXX accounts on my Experian credit file. According to Experians records, several payments are marked as late, yet these payments were made on time. Despite this, the incorrect information continues to appear and is unfairly damaging my credit score and overall creditworthiness.

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