vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Dear Midland Credit Management : I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. The reporting inaccuracies concerning these accounts violated both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 U.S Code 1692 ( e ) and 15 U.S Code 1692 ( f ) for handling this matter. 
2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete accounts history, inclusive of all collection-related charges. I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S Code 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. 
Furthermore, per-15 U.S. Code 602 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the * * * * * * 1692 ( d ) : Harassment or abuse in connection with debt collection. * 1692e : Use of false, deceptive, or misleading representations. * 1692g ( b ) : Failure to properly disclose my rights. * 1692f : Use of unfair or unconscionable means to collect a debt. I request the inmediate deletion of this disputed account from all * * * * * * * * * * * * * * * * * * reporting agencies due to its unrecognized status and the absence of contractual obligations. Your prompt attention to this matter is appreciated. Failure to comply may results in further legal action to protect my rights and interests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). 

More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.

The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

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 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 2025-07-10 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: PA

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 non-monetary relief
Consumer complaint received 2025-07-10 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: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: OH

Complaint narrative:
I am writing to formally dispute and request the blocking and permanent removal of fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2. 

The following accounts are the result of identity theft and were opened or used fraudulently, without my knowledge, authorization, or consent : XXXX XXXX and XXXX XXXX. 

Under 15 U.S.C. 1681c2, I am formally requesting that these accounts be : 1. Permanently blocked from appearing on my credit report ; and 2. Removed from all future versions of my credit file that you maintain.

Please confirm in writing that these accounts have been blocked and removed, and send me a copy of my updated credit report. I expect this matter to be resolved within the timeframe allowed under the FCRA.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute and request the blocking and permanent removal of fraudulent accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2. 

The following accounts are the result of identity theft and were opened or used fraudulently, without my knowledge, authorization, or consent : XXXX XXXX and XXXX XXXX. 

Under 15 U.S.C. 1681c2, I am formally requesting that these accounts be : 1. Permanently blocked from appearing on my credit report ; and 2. Removed from all future versions of my credit file that you maintain.

Please confirm in writing that these accounts have been blocked and removed, and send me a copy of my updated credit report. I expect this matter to be resolved within the timeframe allowed under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: ND

Complaint narrative:
A debt from XXXX that I had successfully disputed and had removed was later sold to XXXX XXXX XXXX, and then to XXXX XXXX XXXX. This same account was reinserted into my credit reports without notifying me as required under FCRA 611 ( b ) ( 2 ). I filed disputes, but the reinvestigations were inadequate and did not address the fact that the account had already been deleted. Reinsertion without proper notice is a direct violation of FCRA. Failure to properly investigate is also a violation of the FCRA, one that XXXX has recently filed lawsuits over. I demand the immediate and permanent removal of this account from all three bureaus, along with a proper investigation.

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 2025-07-10 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: WY

Complaint narrative:
1. Immediately and permanently delete the fraudulent accounts listed above from my credit report in accordance with federal law.

2. Send me written confirmation that these items have been removed and will not reappear.

3. Cease all communication and do not allow any debt collector to continue collection on the above fraudulent accounts.

Failure to comply will result in formal complaints to the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), XXXX  Attorney General, and potential civil action under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance with the FCRA. 

Thank you for your immediate attention to this matter. I expect full compliance within the timeframes set by federal law. 

Sincerely, XXXX XXXX XXXX XXXX without prejudice

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a serious and prolonged issue with Bank of America concerning fraudulent transactions on my account. 

In XX/XX/2025, I reported XXXX unauthorized transactions of {$3400.00} each, totaling {$10000.00}. Bank of America has refunded only XXXX transaction so far, leaving {$6800.00} unresolved. Despite multiple follow-ups, over XXXX months have passed without a clear resolution or provisional credit for the remaining amount. 

This delay has caused significant financial hardship, including overdraft fees and a negative account balance. I have cooperated fully and provided all requested information promptly. However, Bank of America continues to delay resolution without sufficient communication or support. 

I respectfully request that the CFPB intervene to ensure Bank of America completes the investigation promptly and issues a refund or provisional credit for the outstanding amount. 

Thank you for your attention to this urgent matter. 

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 monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report. 
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 2025-07-10 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: MA

Complaint narrative:
I'm requesting validation of a debt. I haven't received the requested documentation, and the company keeps reporting this account. I want them to stop doing so until they legally verify the debt. I want it investigated

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 2025-07-10 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: MA

Complaint narrative:
I'm requesting validation of a debt. I haven't received the requested documentation, and the company keeps reporting this account. I want them to stop doing so until they legally verify the debt. I want it investigated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark 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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-07-10 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXXXXXX 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 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 2025-07-10 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXXXXXX 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 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 2025-07-10 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute Regarding Account Status Account Number ending XXXX  To Whom It May Concern, I am reaching out to formally contest the reported status of Account Number XXXX which indicates a designation of " Paid and Closed '' as of XX/XX/year>. This assertion fails to accurately depict the true nature of my financial obligations and, I believe, constitutes a breach of the obligations delineated in the Fair Credit Reporting Act ( FCRA ).

As stipulated in Section 607 ( a ) of the FCRA, it is your statutory duty to maintain procedures that ensure the accuracy of the information reported to consumer reporting agencies. Therefore, I am requesting that you provide detailed verification, including payment history and documentation substantiating the reported status of the account.

Failure to provide this information promptly will not only hinder my ability to manage my credit standing but may also invoke a remonstration under the FCRA for reporting incorrect information. I trust that you will treat this matter with the seriousness it deserves. 

Thank you for your prompt cooperation, and I await your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Formal Dispute Regarding Account Status Account Number ending XXXX  To Whom It May Concern, I am reaching out to formally contest the reported status of Account Number XXXX which indicates a designation of " Paid and Closed '' as of XX/XX/year>. This assertion fails to accurately depict the true nature of my financial obligations and, I believe, constitutes a breach of the obligations delineated in the Fair Credit Reporting Act ( FCRA ).

As stipulated in Section 607 ( a ) of the FCRA, it is your statutory duty to maintain procedures that ensure the accuracy of the information reported to consumer reporting agencies. Therefore, I am requesting that you provide detailed verification, including payment history and documentation substantiating the reported status of the account.

Failure to provide this information promptly will not only hinder my ability to manage my credit standing but may also invoke a remonstration under the FCRA for reporting incorrect information. I trust that you will treat this matter with the seriousness it deserves. 

Thank you for your prompt cooperation, and I await your timely response. 

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 non-monetary relief