vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: KS

Complaint narrative:
Complaint Summary : XXXX  is reporting inaccurate and misleading information regarding my XXXX XXXX account. 

Details of the Issue : 1. Wrong Account Status XXXX  reports this account as Open, when XXXX  own records ( see attached XXXX XXXX screenshot ) confirm the account is Closed. 
2. Wrong Balance XXXX  reports a balance of {$3700.00}, but XXXX own records confirm the balance was {$1800.00} at the time of closure. 
XXXX. Harmful Misreporting By showing this account as open with an overstated balance, XXXX  is inflating my credit utilization to over 100 %, which is factually inaccurate and materially misleading. 

Violations of Law : FCRA 1681e ( b ) : XXXX failed to ensure maximum possible accuracy.

FCRA 1681i ( a ) : XXXX  failed to reasonably reinvestigate after my dispute.

FCRA 1681s-2 ( b ) : XXXX  failed to properly update and correct the furnished information once notified of the error. 

Supporting Evidence Provided : Screenshot from XXXX XXXX showing Account Closed. 
Screenshot showing correct balance of {$1800.00}.

Screenshot of XXXX  report showing Open with balance {$3700.00}. 

Requested Resolution : I request that XXXX  immediately : Correct this account to reflect Closed status, Correct the balance to {$1800.00}, or Delete the account entirely if they can not verify with documented proof. 

I further request that CFPB take regulatory action to ensure compliance with the Fair Credit Reporting Act, as XXXX reporting is inaccurate, misleading, and harmful to my credit standing.

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 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Previous company name is : XXXX XXXX. The new company that bought XXXX XXXX is Security Credit Services LLC. 

Furthermore, I am disputing your authority to collect this debt because your company has failed to provide proof of a valid collection license in the states where I have resided : Texas, Tennessee, and Florida. State law in each of these jurisdictions requires that a debt collector be properly licensed to collect debts. Until you can provide proof of proper licensing in each applicable state, any collection attempts are unauthorized and in violation of state law and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NY

Complaint narrative:
This is not a mistake credit report contains clear inaccuracies that are unacceptable. These errors are severely impacting me and continue to cause significant harm. I expect these inaccuracies to be taken seriously and corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I submitted a deferment request in XXXXXXXX XXXX XXXX  because I am in the NY XXXX XXXX  Program, so I qualify for the XXXX XXXX deferment. I attached a Document from an authorized official of the program. I was rejected. I should have qualified for this deferment and I would like it retroactive applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MD

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-08-18 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: NJ

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-18 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: NJ

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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/year>, a 30-day late payment was reported on my account even though my payment history shows that I made my payment on time. When I reviewed my credit reports from XXXX XXXX XXXX XXXX, I noticed inconsistent reporting of this alleged late payment. I contacted the creditor and requested verification, including the due date, date received, and posting date, but the information provided was unclear and did not confirm the accuracy of the late mark.

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 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This morning XXXX, I was scammed through my bank account. My bank ( Bank of America ) flagged 2-3 strange transactions ; two for XXXX, and XXXX for XXXX. They saw these and stopped payment on those. Then the scammer tried again, and they allowed the XXXX attempt at XXXX to go through. They were of little help in finding out the problem, and even told me if the scammer changes their information they can SCAM ME AGAIN! Seriously, this is blatant cheating of a customer. I have been with them for over 10 years, and have never had issues. I am a XXXX XXXX, so I can not afford to lose this money. 
The scammer said his name was XXXX XXXX He called from the number ( XXXX ) XXXX I tired calling B of A right after I realized what had happened, I asked for their fraud department and left a message that I needed help with fraud. They did not call me back until over 30 minutes later. That was too late

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 2025-08-18 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: WV

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 2025-08-18 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: WV

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 non-monetary relief
Consumer complaint received 2025-08-18 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 was denied even starting my construction to 30 year mortgage loan application with XXXX XXXX because of Experian credit reporting stating I had a XXXX XXXX of XXXX ( my credit score is XXXX ). I then called the companies XXXXXXXX XXXX said were outstanding deliquiate issues on my account and they said they dont exist. I then looked up XXXX XXXX XXXX and everything was fine. I then looked up Experian and saw numerous fraudulent items associated with me, different names, phone numbers, addresses, accounts, collections, etc. All of which were not mine. I then tried to call Experian which took over 10 tries calling and listening to automated AI agents and messages about it and then finally getting ahold of someone and they yelled at me and hung up on me. This has caused me bad mortgage loans, bad refinance loans, mortgage denials, bad auto loans, reputational and emotional harm and more.

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 2025-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: KS

Complaint narrative:
I did email and send letter to them. Fail fail then I have my friend them over phone because I am near deaf all my life. Every thing all of sudden again again again. I have proof and documents I send to them and ignore me and emails again I am so frustrated and upset!!!! Please stop it!!!

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 2025-08-18 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: VA

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM 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 explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On or around XX/XX/year>, I received a collection letter from Midland Credit Management , Inc. regarding an alleged debt from XXXX XXXX XXXX XXXX ( MCM Account No. XXXX ) in the amount of {$1200.00}.

The letter contained the following statements : This is a demand for full payment We intend to have a lawsuit filed against you Before a lawsuit can be filed, an attorney must review your account. If the attorney determines there is cause for a suit, they will commence a lawsuit in a local court, serve a copy of the lawsuit upon you, and seek to obtain a judgment.

It also listed potential post-judgment remedies such as : Obtaining a lien on property Garnishing wages or bank accounts Obtaining information about my assets I believe this communication violates multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e ( 5 ) Prohibits threats to take any action that is not intended to be taken or can not legally be taken. The statement We intend to have a lawsuit filed conflicts with the admission that an attorney must still review my account and determine cause for suit.

15 U.S.C. 1692e ( 10 ) Prohibits the use of any false representation or deceptive means to collect a debt. References to a Pre-Legal Department and detailed post-judgment remedies imply litigation is already inevitable when no lawsuit has been filed. 
15 U.S.C. 1692g Requires clear notice of the consumers right to dispute the debt. This letter focuses heavily on threats of liens and garnishments without prominently providing information about my right to dispute or request validation within 30 days. 
15 U.S.C. 1692d Prohibits conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. The letters structure and tone appear designed to intimidate rather than inform. 
Company response requested : I request the CFPB investigate Midland Credit Managements collection tactics, specifically their use of Pre-Legal language and threats of lawsuits and asset seizure before a final legal decision has been made. I request that they cease sending any misleading or coercive debt collection letters to me or any other consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 2025-08-18 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Received notice of cleared balance but loan issuers claims forbearance until XXXX but I received noticed of cleared debit by Student FA on XX/XX/year> regarding the Sweet Law Suit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am writing to provide an explanation regarding a hard inquiry that appears on my credit report from ONEMAIN FROM XXXX This inquiry was made without my knowledge or permission and may be the result of identity theft. I have taken steps to protect my identity and have filed a report with the Federal Trade Commission ( FTC ) and/or local law enforcement. I respectfully request that this inquiry be removed from my credit report as it was not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Credit and Collections Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the collection account that Untied Credit Collection is reporting to the credit bureaus regarding an alleged debt. Upon recently reviewing my credit reports for the intention of purchasing a home, I was shocked to find this collection listed. I have no knowledge or record of ever holding an account with this company, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the Dunning notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I requested a complete account verification using a 609 and 603 investigation.With the following companies LVNV Funding LLC Account # XXXX XXXX XXXX XXXX XXXX  and LVNV Funding LLC Account # XXXX XXXX XXXX XXXX XXXX I Have never done any business with this company and I am demanding a complete deletion from my credit report. Also, I'm requesting that they show proof of any signed wet ink contract of me doing business with them.

Company response to consumer: Closed with explanation