vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Late Dates XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-27 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
In accordance with the Fair Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$750.00} has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA, XXXX XXXX ( XXXX ) XXXX XXXX XXXX TRUIST Bank XXXX XXXX XXXX XXXX, AL XXXX Dear TRUIST Bank, Re : Request for Access to Account XXXX XXXX under Power of Attorney XXXX XXXX and Complaint regarding Denial of Access I am writing to express my concern and disappointment regarding the bank 's refusal to grant me access to my account [ Account Number ] as authorized under the Power of Attorney ( POA ) document that I provided to your institution. 

On XX/XX/year>, I executed a POA granting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the authority to manage my financial affairs, including accessing my account at. The POA document was duly notarized and witnessed, as required by law. 

Despite presenting the POA document to your bank representatives, I have been denied access to my account. This denial is in direct contravention of the laws governing POAs in Louisiana, specifically La. XXXX. XXXX, et seq. 

I urge you to review the POA document and the relevant laws to ensure that my rights as the principal are respected. I request that you take immediate action to grant me access to my account, as authorized under the POA.

Please confirm in writing within 10 days that you have received this letter and indicate the actions you will take to resolve this matter.

If I do not receive a satisfactory response, I will be forced to seek legal recourse to protect my rights. 

Furthermore, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. I believe that the bank 's denial of access to my account is an unfair and deceptive practice, and I request that the CFPB investigate this matter and take appropriate action. 



Sincerely, 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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-27 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My personal information was compromised in the XXXX Data Breach. As a result, multiple fraudulent accounts, inquiries, and an incorrect address have appeared on my credit reports. 
I have been incarcerated since XX/XX/year> and therefore could not have opened or managed any credit accounts. These accounts and inquiries are fraudulent and are harming my credit. 

I have already disputed these items with Experian under FCRA 605B, submitted an FTC Identity Theft Report ( # XXXX ), and provided proof of incarceration and breach confirmation. I am requesting full deletion/blocking of the fraudulent items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent account that remains on my credit report despite my repeated disputes and submission of legally sufficient documentation. This account in questionXXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened fraudulently and is the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within four business days, as required by law. Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed account, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NJ

Complaint narrative:
I lost my job and some situations that were out of my control

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I lost my job and some situations that were out of my control

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
On XX/XX/year>, a collection account was reported under my name by Caine Weiner on behalf of the original creditor, XXXX, with Account Number XXXX, in the amount of {$360.00}. 

This account has already been paid in full, yet it continues to be reported as a Collection/Charge-off. Reporting a paid account as a charge-off is inaccurate and misleading. This false reporting damages my credit profile, my ability to obtain credit, and has caused personal and financial harm. 

I have formally requested correction of this information, but the company continues to inaccurately report the account as a derogatory collection, in violation of 15 USC 1681s-2, which requires furnishers to provide accurate and complete information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am disputing inaccurate reporting across all three credit bureaus regarding my active accounts with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

These accounts are open and active. I am making monthly payments as agreed. 

These accounts were NOT included in my XXXX  XXXX bankruptcy filed and NOT discharged in XX/XX/year>. 

Despite this, Experian, XXXX, and XXXX  are reporting these accounts as Discharged through XXXX  XXXX Bankruptcy. 

This reporting is factually false and highly damaging. It misrepresents my payment obligations, destroys my credit history, and misleads potential lenders into believing I defaulted on my mortgage and auto loan when I did not. 

Steps I have taken : Filed disputes with XXXX  ( XX/XX/year>, Dispute ID XXXX ) and Experian ( XX/XX/year>, Dispute ID XXXX XXXX  closed the dispute without results and Experian XXXX the information to reflect the same as before. 

XXXX XXXX, Experian and XXXX  continue to show the accounts as discharged in bankruptcy. 

All three remain inaccurate. 

Desired resolution : Require all three credit bureaus to correct these tradelines immediately. Accounts should be reported as : Open and active. 

Not included in bankruptcy. 

Accurate balance, payment history, and status. 

Provide written confirmation that corrections are complete. 

Ensure compliance with the FCRA so these inaccurate reports do not reappear.

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 2025-08-27 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: NY

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

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 2025-08-27 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:
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 2025-08-27 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:
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 2025-08-27 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: CA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTCXXXX XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am feeling overwhelmed and deeply concerned. These accounts and inquiries showing up on my credit report are not mine. I have been a victim of identity theft and this situation is completely out of my control. It is not just numbers on a report it is affecting my daily life my peace of mind and even creating stress within my personal and family life. I never authorized any of this activity and I am genuinely struggling with the emotional and practical impact of this fraud. I urgently ask that all these fraudulent items be immediately BLOCKED AND REMOVED from my credit file including the following inquiries which were also made without my knowledge or authorization : XXXX inquired on XX/XX/year>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 2025-08-27 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: MS

Complaint narrative:
In reviewing my credit reports, I found inaccuracies in the reported late payments for my XXXX XXXX XXXX student loan. 

In XX/XX/XXXX, Experian shows the account as 180 days past due, while both Equifax and TransUnion show it as 150 days past due. The 180day report is incorrect. 

In XX/XX/XXXX, Equifax shows the account as 150 days past due, while both Experian and TransUnion show the account as current with no delinquency.

The 150day report is incorrect. These discrepancies show that the information being furnished is inconsistent and inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute
and request correction of inaccurate 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 2025-08-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Fraudulent credit inquiries were made using my personal information without my knowledge or consent. 
These inquiries are unauthorized and damaging my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: John C. Heath, Attorney at Law, PLLC
State: IL

Complaint narrative:
I am updating my complaint regarding XXXX XXXX XXXX I have also filed a complaint with the Illinois Attorney Generals Office ( XXXX XXXX. XXXX ) XXXX 

On XX/XX/year>, I attempted to mail a letter to XXXX XXXX XXXX regarding my account and refund request. The letter was returned to me unopened, marked Undeliverable as Addressed, Unable to Forward. This demonstrates that the company is not responding to clients through its former office address. 

I paid XXXX XXXX XXXX for services that were not delivered as promised. Since the company is no longer reachable and has failed to provide credit repair services, I am requesting a full refund/redress for the money I paid. 

I understand that the CFPB has already taken enforcement action against XXXX XXXX  and set up a redress process. I am asking that my payments be included in that process and that I be contacted by the appropriate administrator ( XXXX XXXX XXXX ) regarding my eligibility for a refund. 

Relief Sought : A refund/redress for all payments made to XXXX XXXX XXXX 

Confirmation that my complaint has been forwarded to the appropriate redress administrator. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$750.00} has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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