vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY 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
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
VALIDATION AND CEASE AND DESISTCollection agency name : Address : Account number : Your NAME : Your address : Dear ( midland credit ) I recently received a debt collection notice from your ofice. I am writing to verify that you havecontacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or theoriginal creditor.In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the followinginformation:1. 2. 3. 4. 5. The name and address of the original creditor and the current creditor.Verification of the debt amount you are seeking to collect, including evidence thata contract exists creating the amount you claim is owed.Documentation of all assignments showing the transfer of the debt from theoriginal creditor to the current creditor.Proof that the original creditor securitized the debt.Documentation showing the assignments of the debt from the original creditor tothe secured trust and then back to the original creditor.Please cease and desist from collecting on this debt until you have provided validation of thedebt.Additionally, I request that you do not access my credit report or report anything to my creditbureaus. I dispute the validity of this debt amount, and this dispute should be reflected on mycredit report if you have already reported this debt.Permissible PurposePlease state your permissible purpose for accessing my credit information. I dispute your rightto do so.Notification to Other CollectorsI dispute that I owe this debt to you. Should you transfer this debt to another collector, pleaseinform them of my dispute regarding the validity of this debt.Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my credit reports, Equifax, Experian, TransUnion and noticed that certain accounts, listed are unfamiliar to me. I have never done business with these companies, and I am requesting formal validation of their presence on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I have reached out to these companies with several attempts for validation and to no avail I have heard back from any of these companies. 

The following accounts require verification : 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  I have reached out to these companies with several attempts for validation and to no avail I have heard back from any of these companies. 

I kindly ask that you provide documentation proving that I am responsible for these accounts. If validation can not be provided, I request that the inaccurate items be removed from my credit report immediately. 
Please respond to this request within the legally allotted time frame. Thank you for your prompt attention to this matter. I appreciate your assistance in ensuring my credit report remains accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
I ordered a experience credit report and when I got it it had at least more than XXXX things on there that were not initiated by me. So I started trying to resolve them and I can't get any assistance from anyone because I don't know the information that's on the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NV

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 non-monetary relief
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute late payments listed on my credit report. Under the provision of 15 U.S.C.

1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments. 
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 2025-05-21 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: NY

Complaint narrative:
5 U.S. Code 1679c Equifax reporting unauthorized fraudulent inquiry from XXXX XXXX on XXXX XXXX XXXX Code XXXX Equifax reporting unauthorized fraudulent inquiry from XXXXXXXX XXXX on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request for Correction of Inaccurate Personal Information on Credit Reports To : Consumer Financial Protection Bureau ( CFPB ) Submitted via : CFPB Complaint Portal Complaint Details : Dear CFPB, I am writing to formally dispute inaccurate personal information appearing on my credit reports from Equifax, Experian, and TransUnion. Upon reviewing my reports, I found discrepancies that do not match my official records, which could negatively impact my creditworthiness. 

Incorrect Information : [ Describe the specific errorse.g., wrong name variations, outdated addresses, incorrect Social Security number digits, accounts that do not belong to you, etc. ] Correct Information : Full Legal Name : [ Your Name ] Date of Birth : [ MM/DD/YYYY ] Current Address : [ Your Address ] Previous Address ( es ) : [ List if relevant ] Social Security Number : [ Last XXXX digits : XXX-XX-XXXX ] I have already attempted to dispute these errors directly with the credit bureaus [ mention if applicable, e.g., " via their online dispute process on [ date ] '' ], but the inaccuracies persist. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate credit reporting, and the bureaus must correct or remove erroneous data. 

Requested Resolution : XXXX removal or correction of all inaccurate personal information. 

Confirmation in writing once the corrections are made. 

A free updated copy of my credit report reflecting the changes. 

I urge the CFPB to investigate this matter and ensure the credit bureaus comply with federal law. Please contact me at [ Your Phone Number ] or [ Your Email ] if additional information is needed. 

Attachments ( if available ) : Copies of your government-issued ID ( e.g., drivers license ). 

Proof of address ( e.g., utility bill, bank statement ). 

Previous dispute correspondence with the bureaus ( if applicable ). 

Thank you for your assistance in resolving this issue promptly. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Request for Correction of Inaccurate Personal Information on Credit Reports To : Consumer Financial Protection Bureau ( CFPB ) Submitted via : CFPB Complaint Portal Complaint Details : Dear CFPB, I am writing to formally dispute inaccurate personal information appearing on my credit reports from Equifax, Experian, and TransUnion. Upon reviewing my reports, I found discrepancies that do not match my official records, which could negatively impact my creditworthiness. 

Incorrect Information : [ Describe the specific errorse.g., wrong name variations, outdated addresses, incorrect Social Security number digits, accounts that do not belong to you, etc. ] Correct Information : Full Legal Name : [ Your Name ] Date of Birth : [ MM/DD/YYYY ] Current Address : [ Your Address ] Previous Address ( es ) : [ List if relevant ] Social Security Number : [ Last XXXX digits : XXX-XX-XXXX ] I have already attempted to dispute these errors directly with the credit bureaus [ mention if applicable, e.g., " via their online dispute process on [ date ] '' ], but the inaccuracies persist. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate credit reporting, and the bureaus must correct or remove erroneous data. 

Requested Resolution : XXXX removal or correction of all inaccurate personal information. 

Confirmation in writing once the corrections are made. 

A free updated copy of my credit report reflecting the changes. 

I urge the CFPB to investigate this matter and ensure the credit bureaus comply with federal law. Please contact me at [ Your Phone Number ] or [ Your Email ] if additional information is needed. 

Attachments ( if available ) : Copies of your government-issued ID ( e.g., drivers license ). 

Proof of address ( e.g., utility bill, bank statement ). 

Previous dispute correspondence with the bureaus ( if applicable ). 

Thank you for your assistance in resolving this issue promptly. 

Sincerely,

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 2025-05-21 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: DE

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX  DE XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$6300.00} 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, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, 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
Consumer complaint received 2025-05-21 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: NJ

Complaint narrative:
I am disputing inaccurate information reported by Experian on my consumer report regarding the XXXXXXXX XXXX XXXX XXXX  account ( XXXX ). Under the Fair Credit Reporting Act, 15 USC 1681 et seq., credit reporting agencies must ensure maximum accuracy and protect consumer privacy. The Act recognizes that fair and accurate reporting is essential to the banking system and public confidence. Both XXXX XXXX XXXX report my payment status as paid as agreed, yet Experian inaccurately reports this account as 30 days past due. Reporting this erroneous late payment violates my rights under 15 USC 1681a ( 4 ), 1681b ( 2 ), and 1681c-2, which protect my control over information and prohibit unauthorized reporting. Continued inaccurate reporting is willful noncompliance under 15 USC 1681n and 1681o, exposing Experian to liability. I demand Experian promptly fix this inaccurate late payment information in compliance with the FCRA without deleting the account.

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 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life in my credit health.

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 2025-05-21 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: IA

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. these remarks have been detrimental to my life in my credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: AL

Complaint narrative:
What is the issue? 
The incorrect information on your report is still inaccurate and incomplete. I have attached a full side-by-side comparison of each credit bureau to see the inconsistent reporting. 

What happened? 
I am submitting this complaint regarding a dispute I originally filed on XX/XX/XXXX, concerning inaccurate information on my credit report. Despite submitting the proper documentation and following up with a second letter on XX/XX/XXXX, the matter has not been resolved. 

I disputed the following accounts that contain incorrect and incomplete information : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX accounts still appear on my credit reports even though they were disputed well within the legal timeframe. I included documentation supporting the inaccuracies and a copy of my credit report with highlighted errors. XXXX of the specific errors is also described in my XX/XX/XXXX letter. To this day, no appropriate action has been taken to remove the accounts. 

I am requesting assistance from the CFPB to investigate this matter and ensure these accounts are properly reviewed and removed, as required by the Fair Credit Reporting Act ( FCRA ). 

What company is this complaint about? 
If applicable, list the credit reporting agencies ( XXXX XXXX, TransUnion ) and the creditors ( XXXX, XXXX XXXX, XXXX XXXX XXXX. 

What resolution are you seeking? 
I am seeking the removal of the accounts listed above from my credit report and confirmation that the dispute has been properly reviewed and 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 non-monetary relief
Consumer complaint received 2025-05-21 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: AL

Complaint narrative:
What is the issue? 
The incorrect information on your report is still inaccurate and incomplete. I have attached a full side-by-side comparison of each credit bureau to see the inconsistent reporting. 

What happened? 
I am submitting this complaint regarding a dispute I originally filed on XX/XX/XXXX, concerning inaccurate information on my credit report. Despite submitting the proper documentation and following up with a second letter on XX/XX/XXXX, the matter has not been resolved. 

I disputed the following accounts that contain incorrect and incomplete information : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX accounts still appear on my credit reports even though they were disputed well within the legal timeframe. I included documentation supporting the inaccuracies and a copy of my credit report with highlighted errors. XXXX of the specific errors is also described in my XX/XX/XXXX letter. To this day, no appropriate action has been taken to remove the accounts. 

I am requesting assistance from the CFPB to investigate this matter and ensure these accounts are properly reviewed and removed, as required by the Fair Credit Reporting Act ( FCRA ). 

What company is this complaint about? 
If applicable, list the credit reporting agencies ( XXXX, Equifax, XXXX  ) and the creditors ( XXXX, XXXX XXXX, XXXX XXXX XXXX. 

What resolution are you seeking? 
I am seeking the removal of the accounts listed above from my credit report and confirmation that the dispute has been properly reviewed and resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: AL

Complaint narrative:
What is the issue? 
The incorrect information on your report is still inaccurate and incomplete. I have attached a full side-by-side comparison of each credit bureau to see the inconsistent reporting. 

What happened? 
I am submitting this complaint regarding a dispute I originally filed on XX/XX/XXXX, concerning inaccurate information on my credit report. Despite submitting the proper documentation and following up with a second letter on XX/XX/XXXX, the matter has not been resolved. 

I disputed the following accounts that contain incorrect and incomplete information : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX accounts still appear on my credit reports even though they were disputed well within the legal timeframe. I included documentation supporting the inaccuracies and a copy of my credit report with highlighted errors. XXXX of the specific errors is also described in my XX/XX/XXXX letter. To this day, no appropriate action has been taken to remove the accounts. 

I am requesting assistance from the CFPB to investigate this matter and ensure these accounts are properly reviewed and removed, as required by the Fair Credit Reporting Act ( FCRA ). 

What company is this complaint about? 
If applicable, list the credit reporting agencies ( Experian, XXXX, XXXX  ) and the creditors ( XXXX, XXXX XXXX, XXXX XXXX XXXX. 

What resolution are you seeking? 
I am seeking the removal of the accounts listed above from my credit report and confirmation that the dispute has been properly reviewed and 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