vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXXc-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX. 

Re : Notice of disputed charges to XXXXXXXX XXXX XXXX XXXX  dispute Attention Billing Inquiries : I would like to file a dispute regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXmissed /late payment. On XX/XX/XXXXXXXX  My son passed away and I had to be out of the country, and in the mist of my tragedy I called several times to find out the status of my account and I was always told the account of at a XXXX Balance, yet it appears on my credit report in a derogatory way. 

Spoke to XXXX from XXXX who was unable to tell me if I had any more active cards with them ; she told me that there was not. There was a {$6.00} balance that was an overbalance interest credited to my account after I paid the full amount of {$510.00} on XX/XX/XXXX, confirmation number # XXXX XXXX XXXX XXXX XXXX When I asked why, she explained that it was interest from the next statement, but I said the next statement was XXXX balance, so why the interest? she apologized for the interest and explained it was waived and interest credited to my account. 

This balance was paid in full once I became aware of it on XX/XX/XXXX, in the sum of {$510.00} ; however, this appears on my credit report to deface my credit, effecting my buying power. I was told the {$6.00} interest was waived and interest credited to my account my account is at a XXXX balance. 

I am requesting that XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my CREDIT REPORT ASAP. 

Attached please find : The letter from the US Embassy showing that I suffered a loss The proof letter from XXXX XXXX showing a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX. 

Re : Notice of disputed charges to XXXX XXXX XXXX XXXX dispute Attention Billing Inquiries : I would like to file a dispute regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXmissed /late payment. On XX/XX/XXXX My son passed away and I had to be out of the country, and in the mist of my tragedy I called several times to find out the status of my account and I was always told the account of at a XXXX Balance, yet it appears on my credit report in a derogatory way. 

Spoke to XXXX from XXXX who was unable to tell me if I had any more active cards with them ; she told me that there was not. There was a {$6.00} balance that was an overbalance interest credited to my account after I paid the full amount of {$510.00} on XX/XX/XXXX, confirmation number # XXXX XXXX XXXX XXXX XXXX When I asked why, she explained that it was interest from the next statement, but I said the next statement was XXXX balance, so why the interest? she apologized for the interest and explained it was waived and interest credited to my account. 

This balance was paid in full once I became aware of it on XX/XX/XXXX, in the sum of {$510.00} ; however, this appears on my credit report to deface my credit, effecting my buying power. I was told the {$6.00} interest was waived and interest credited to my account my account is at a XXXX balance. 

I am requesting that XXXXXXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my CREDIT REPORT ASAP. 

Attached please find : The letter from the US Embassy showing that I suffered a loss The proof letter from XXXX XXXX showing a XXXX balance.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX. 

Re : Notice of disputed charges to XXXX XXXX Credit card XXXX Attention Billing Inquiries : I would like to file a dispute regarding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX My XXXX XXXX XXXX  and I had to be out of the country, and in the mist of my tragedy I called several times to find out the status of my account and I was always told the account of at a XXXX Balance, yet it appears on my credit report in a XXXX way. 

Spoke to XXXX from XXXX who was unable to tell me if I had any more active cards with them ; she told me that there was not. There was a {$6.00} balance that was an overbalance interest credited to my account after I paid the full amount of {$510.00} on XX/XX/XXXX, confirmation number XXXX XXXX XXXX XXXX XXXX XXXX When I asked why, she explained that it was interest from the next statement, but I said the next statement was XXXX balance, so why the interest? she apologized for the interest and explained it was waived and interest credited to my account. 

This balance was paid in full once I became aware of it on XX/XX/XXXX, in the sum of {$510.00} ; however, this appears on my credit report to deface my credit, effecting my buying power. I was told the {$6.00} interest was waived and interest credited to my account my account is at a XXXX balance. 

I am requesting that XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX this inaccurate information from my CREDIT REPORT ASAP. 

Attached please find : The letter from the XXXX XXXX showing that I XXXX XXXX XXXX  The proof letter from XXXX XXXX showing a XXXX balance.

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 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX  and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-06-16 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: VA

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
An account was opened with XXXX XXXX sometime in XXXX of XXXX that has been reporting to my credit ever since. The name on the account as well as the address does not match the name and address on my State ID, and I am currently in good standings with he alleged original creditor XXXXXXXX XXXX XXXX. Upon reaching out to Midland, I discovered my case was in legal status and I was in the process of being sued, so they are unable to discuss the account with me or resolve it in anyway. I never was notified about the hearing that was held on XX/XX/XXXX in XXXX XXXX Mn which is not the county I reside in. I was only able to access this information after searching public court records for names that are similar to mine. When I reached out to Midland to figure out what was going on with the case, I was transferred to XXXX and XXXX XXXX XXXX where they confirmed on several occasions that I was notified of the hearing because it was sent via certified mail, but the Register or Actions on MCRO clearly state that the mail was returned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
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 2025-06-16 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-16 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: MS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$34000.00} DPEDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} DPEDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} DPEDXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} DPEDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} DPEDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} DPEDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} DPEDXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} DPEDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} DPEDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} DPEDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} DPEDXXXX - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-06-16 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:
This company is reporting XXXX credit scores when all of my accounts are paid on or ahead of time. I have had no success with getting this issue resolved.

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 2025-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
company is attempting to collect from me, as I am a victim of identity theft. These accounts were fraudulently opened without my knowledge or consent, and I only became aware of their existence when reviewing my credit report. Your agency has been reporting these fraudulent accounts to credit bureaus without providing me any prior notice of the debt or validation of its legitimacy. This constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as you are required to provide proper notice and validation before reporting negative information that damages my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
I am formally contesting all unverified, inaccurate, or incomplete information reporting on my consumer credit profile. This dispute is made under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Metro 2 data reporting standards, which require maximum possible accuracy and proper documentation. 

Any allegations of delinquency or derogatory status must be supported by factual, verifiable evidence in accordance with federal and state law. I am demanding that you provide physical documentation that validates each disputed account, collection, inquiry, and personal data listed below. If such documentation can not be provided, the items must be permanently deleted from my report. 

You are legally obligated to ensure the accuracy, integrity, and full compliance of all reported data. In accordance with FCRA and Metro 2 formatting guidelines, any unverifiable or incomplete information must be removed without delay. 

I also request that you mail me hard-copy confirmation of the actions taken, along with an updated version of my credit report. 

Personal Information Being Challenged Incorrect DOB : XXXX Incorrect Name : XXXX XXXX Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Employer : XXXX XXXX Accounts Being Challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Collections Being Challenged XXXX XXXX XXXX XXXX Inquiries Being Challenged XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have provided clear notice of my concerns regarding your handling of this data. The continued reporting of unverifiable or non-compliant items is a direct violation of Metro 2 reporting standards and FCRA law. If these concerns are not fully addressed, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General for formal investigation. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  OH XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation