vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-03 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: MD

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 605B of the Fair Credit Reporting Act.

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 2025-03-03 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: NC

Complaint narrative:
Beginning in XXXX of 2024 I began calling Transunion regarding several inaccurate inquiries on my account. In XXXX, XXXX, and XXXX I sent certified mail including my identification, a police complaint, a copy of my SSN card, proof of address, and identified the unauthorized inquiries on report PLUS, an account that is reporting inaccurately as well. On XX/XX/XXXX I called to follow up on my submissions and when I provided proof via the confirmation of certified mail sent, a Transunion representative hung up the phone on me. According to the FCRA, when consumers dispute inaccuracies on their credit reports, CRAs and information furnishers are legally required to investigate within 30 days. Transunion has failed to comply with this law by continuing to take the stance that 1. the items were not received by them, 2. failing to furnish proof of research and a response from the alleged creditor ( s ), 3. failing to remove these items as requested upon receipt of proof that these were unauthorized actions. I have been a victim of identity theft and received notifications of my data being exposed in several credit breaches. I urge you to follow up and assist with the issues I am facing attempting to garner results from Transunion.

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 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  XXXX XX/XX/year>2024 XXXX XXXX  XXXX/XXXX/2024 XXXX XXXX XX/XX/scrub>/2024 XXXX XXXX XXXX XXXXXXXX/2024

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 2025-03-03 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: SC

Complaint narrative:
Experian, Equifax and Trans Union has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax, or Trans Union has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, Equifax and trans union has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian, Equifax and Trans Union inaction violates federal law and my rights as a consumer.

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 2025-03-03 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: MD

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 605B of the Fair Credit Reporting Act.

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 2025-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
I received an email on XX/XX/year>2025 stating that I owed {$5700.00} to Sequim Asset Solutions. I sent them a letter requesting for them to validate the debt, this letter was sent on XX/XX/year>2025. I requested all relevant information, including to whom is this debt owed? I requested the contact details of the original creditor and the amount owed. I asked for details regarding whether there was a valid basis for the collection of said debt, asking them to provide the original contract between me and the original creditor. I asked for all payment details, including when the debt became delinquent and when the last payment was made. I asked for the final billing statement and an itemization of all charges. This letter was sent via certified mail. I have received no response regarding this request for validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: NV

Complaint narrative:
I requested debt validation from Security Credit Services. The collection agency did not provide proper validation. Instead they provided a statement of account, then asked that I provided a forgery affidavit, a police report and my Identification.

The FTC guidelines don't require a copy of your ID, as that poses a risk. Under the FDCPA, debt collectors aren't specifically allowed to demand ID, when they have made an error in reporting that debt. I did provide a copy of my police report. The statement of accounts that were provided VIA the XXXX XXXX XXXX XXXX XXXX had an incorrect unit number. Also I contacted the original creditor and the middle initial that they have on file is not my middle initial. 

I'm uploading a copy of my police report again, and my ID THEFT REPORT from the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: KS

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-03 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: NH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: IL

Complaint narrative:
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply 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 non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
An acct was added for collection i have no clue about on XX/XX/2025 to credit Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report. Please remove this account from my report, it is hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt that appears on my credit report and to lodge a complaint against the collection agency reporting it. Given the recent legal actions against Experian regarding inaccurate reporting and other violations, I believe that my account has been unfairly and inaccurately handled, and I request an immediate investigation into this matter.

I have reason to believe that this debt is inaccurate or has been improperly reported. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting : Validation of the debt, including proof that I owe the stated amount and that the collection agency has the legal right to collect it.

An investigation into whether this debt has been inaccurately reported or remains on my report due to errors by Experian or the reporting creditor.

Immediate removal of this debt from my credit report if it can not be fully validated.

I have attempted to resolve this issue with Experian and the collection agency, but I have not received a satisfactory response. Given the lawsuit against Experian and its potential impact on credit reporting accuracy, I request the CFPB 's intervention to ensure my consumer rights are upheld.

Please provide me with a written response regarding the steps your office will take to investigate and resolve this matter. Enclosed are copies of relevant documents, including my credit report, previous dispute letters, and any responses received from Experian or the collection agency.

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Portfolio Recovery Associates is inaccurately reporting a closed collection account on my XXXX credit report. They illegally re-aged the account by listing the " Date Opened '' as XX/XX/XXXX, when the true Date of First Delinquency ( DOFD ) is XX/XX/XXXX. 

Under FCRA 605 ( c ), re-aging a debt is illegal because it makes the debt appear newer than it is, extending its time on my credit report beyond the legal reporting period. 

I disputed this account with XXXX, and they responded by saying the account was " verified. '' However, they have failed to provide the legally required Method of Verification ( MOV ) under FCRA 611.

Additionally, this account is missing key details such as the " Purchased From '' and " Sold To '' fields, making the reporting incomplete and inaccurate under FCRA 1681s-2.

Despite my repeated disputes, Portfolio Recovery Associates continues to report incorrect information, negatively impacting my credit score.

I requested validation of this debt under FDCPA 809, asking for : A copy of the original signed agreement with XXXX XXXX proving I agreed to this debt. 
A full breakdown of the balance, including principal, interest, and fees. 
Proof that Portfolio Recovery Associates has the legal right to collect this debt, including a proper chain of assignment. 
Portfolio Recovery Associates has failed to provide this documentation, yet they continue to report the account, which violates both the FCRA and FDCPA. 

This account is being reported inaccurately and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing this complaint against Wells Fargo for inaccurate credit reporting, failure to correct errors, and potential FCRA violations. 

Wells Fargo falsely reported a late payment for XX/XX/XXXX, despite their own system confirming that I did make the payment on time. 

Key Facts : On XX/XX/XXXX, I called Wells Fargo, and their representative verbally confirmed that I made my XX/XX/XXXX payment on time. 

Despite this, my credit report shows a late payment for XX/XX/XXXX, which has negatively impacted my credit score. 

I have a bank statement from XXXX XXXX confirming a Wells Fargo payment was made in XX/XX/XXXX. 

Wells Fargo has refused to correct this reporting, despite my repeated attempts to resolve this issue. 

This is not the first time I have had issues with Wells Fargo misreporting my account history. 


This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and has resulted in harm to my credit. 

I request that Wells Fargo immediately correct the inaccurate late payment entry for XX/XX/XXXX and notify all credit bureaus. If they fail to correct this issue, I will seek further legal action.

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 2025-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my 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 2025-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
XXXX   CREDIT CARD AT XXXX WILL NOT CLOSE MY ACCOUNT. I A PAID THE BALANCE IN FULL AND THEY KEEP CHARGING ME A MONTHLY FEE. I HAVE CALLED 4 TIMES TO CANCEL AND WAS TOLD MY ACCOUNT WOULF BE CLOSED AND I WOULD BE SENT A LETTER. BUT THEY KEEP IT OPEN AND KEEP CHARGING ME !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-03 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:
I am submitting this formal complaint against TransUnion, Equifax, and Experian for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included an account from XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 



Violations 1. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law.

2. FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ( a ) ( 2 ) ) Permissible Purposes of Consumer Reports A consumer reporting agency can not furnish my report to a third party without my written consent, which I never provided to XXXX. 

3. 15 U.S.C. 1666B Creditor May Not Treat a Payment on an Open-End Consumer Credit Plan as Late for Any Reason The reporting of this account as late is in direct violation of this statute, which prohibits creditors from treating a payment as late under an open-end consumer credit plan.

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 2025-03-03 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:
I am submitting this formal complaint against TransUnion, Equifax, and Experian for violations of the Fair Credit Reporting Act ( FCRA ) and related laws. Specifically, these credit reporting agencies have included an account from XXXX on my credit report without my authorization, in violation of my rights under the FCRA. 



Violations 1. FCRA Section 602 ( a ) ( 15 U.S.C. 1681 ) Right to Privacy My personal credit information is being reported without my proper consent, violating my right to privacy under the law.

2. FCRA Section 604 ( a ) ( 2 ) ( 15 U.S.C. 1681b ( a ) ( 2 ) ) Permissible Purposes of Consumer Reports A consumer reporting agency can not furnish my report to a third party without my written consent, which I never provided to XXXX. 

3. 15 U.S.C. 1666B Creditor May Not Treat a Payment on an Open-End Consumer Credit Plan as Late for Any Reason The reporting of this account as late is in direct violation of this statute, which prohibits creditors from treating a payment as late under an open-end consumer credit plan.

Company response to consumer: Closed with non-monetary relief