vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: NY

Complaint narrative:
I am submitting this dispute regarding multiple accounts on my credit report that contain inaccurate, incomplete, or misleading information. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be DELETED FROM MY CREDIT REPORT. 

The accounts in question are as follows : Creditor Account # ( last 4 digits ) Reported Status Claimed Balance Discrepancy / Inaccuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charged Off {$5700.00} Balance {$5700.00}, XXXX XXXX {$5200.00}, Highest Balance {$8900.00} Payment history shows inconsistent late days ( e.g., XX/XX/year> CO, XXXX, XX/XX/XXXX, etc. ) and multiple status updates that do not align with accurate reporting standards. 
XXXX XXXX XXXX Charged Off {$2300.00} Balance {$2300.00}, Credit Limit {$1700.00}, Highest Balance {$2300.00} Payment history is inconsistent ; reported past due and CO statuses are unclear and potentially inaccurate. 
XXXXXXXX XXXX XXXXXXXX Charged Off {$2800.00} Balance {$0.00}, Credit Limit {$2500.00}, Highest Balance {$2800.00} Reported balances and payment history conflicts with prior account statements and do not reflect accurate reporting. 
XXXX XXXX XXXX Charged Off {$7300.00} Balance {$7300.00}, Credit Limit {$6000.00}, Highest Balance {$7300.00} Multiple inconsistencies in CO reporting and date of past due amounts. 
XXXX XXXX XXXX ( two accounts ) Charged Off {$4500.00} and {$12000.00} Balances {$4500.00} / {$12000.00}, Credit Limits {$3600.00} / N/A Payment histories are inconsistent and inaccurately reported ; balances and status updates are conflicting. 
XXXX XXXX XXXX Charged Off {$880.00} Balance {$840.00}, Credit Limit {$6000.00}, Highest Balance {$3600.00} Reported balance and past due amounts do not align with original account records.

Reasons for Dispute : Inaccurate balances : Many accounts show balances that differ from verified account statements, including discrepancies in the amount written off vs. reported balance. 

Incorrect account status reporting : Payment history entries such as CO, 30, 60, etc., appear inconsistently and do not reflect accurate delinquency timelines.

Duplicate or conflicting entries : Two accounts with XXXX have overlapping account numbers and inconsistent reporting. 

Potential misreporting of dates : Status updates and last reported dates do not align with my actual account history, violating FCRA requirements for accurate reporting. 

Requested Action : I request that the Consumer Financial Protection Bureau investigate these accounts with the respective creditors and credit reporting agencies. And demand that the accounts be deleted from my credit report immediately.

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 2025-09-18 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

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 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 2025-09-18 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: MO

Complaint narrative:
I have submitted multiple dispute letters to XXXX XXXX, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues 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 2025-09-18 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-18 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:
I am filing this complaint regarding the inaccurate reporting of a CBNA account ( Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) .The account reflects a XXXX late payment in XX/XX/XXXX ( XX/XX/XXXX ) .However, the account shows a {$0.00} balance, meaning there is no outstanding obligation.Reporting a late payment on a {$0.00} balance account is inaccurate, misleading, and harmful to my credit profile. It falsely suggests delinquency when no payment was due. 
his reporting is damaging to my credit standing and is a direct violation of the Fair Credit Reporting Act ( 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 2025-09-18 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I contacted XXXX XXXX on XX/XX/XXXX for verification of debt. XXXX XXXX referred me to XXXX XXXX as they had sold the debt which is reported as XXXX XXXX as the reporting agency. 

I then contacted XXXX XXXX for verification of debt and to dispute the age of the debt that was being reported on XX/XX/XXXX. 

XXXX XXXX mailed me a copy of the debt collection with the dates of debt showing in collection as of XXXX as well as the creditor being Pinnacle Credit Services , LLC. Received on XXXX. 

On XXXX, I contacted XXXX XXXX to discuss the date of the bill / statement of debt showing that the debt had well surpassed the statue of limitations being that it was from XXXX ( statue of limitations would have passed in XXXX in which it had already been previously reported to my credit report and had been removed in or about XXXX and now is being reported as new debt ). XXXX  XXXX  agent referred me to Pinnacle Credit Services , LLC. 

I attempted to contact Pinnacle Credit Services , LLC, no answer to phone calls and the website redirects to XXXX XXXX. 

I then reported to XXXX  that the debt has met and exceeded statue of limitations and they have resulted my dispute as debt being verified and did not remove from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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 am submitting this follow-up complaint because inaccurate and disputed information continues to appear on my credit report despite my prior disputes. The credit reporting agencies and furnishers have not corrected or removed the following errors : Inaccurate Address XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX This address is inaccurate and should not be listed on my credit file. The continued reporting of this address is misleading and violates FCRA XXXX ( b ), which requires maximum possible accuracy. 
Charged-Off Accounts ( XXXX XXXX ) XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$970.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX | Balance Owed : {$5200.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX | Date Opened : XX/XX/XXXX | Balance Owed : {$390.00} These accounts are inaccurately reported as charged-off and remain on file without proper validation. Reporting duplicate or unverifiable charged-off accounts violates FCRA 623 ( a ) ( XXXX ) ( A ) and FCRA 607 ( b ). Inquiry Included in Dispute ( Not Corrected ) XXXX XXXX | Date : XX/XX/XXXX This inquiry was specifically included in my dispute but remains on my file. The failure to reinvestigate and remove this item is a violation of FCRA 611 ( 15 U.S.C. 1681i ).

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Wilber and Associates, P.C.
State: IL

Complaint narrative:
Subject : Debt Collection Abuse Wilber & Associates Details of Complaint : I am filing a complaint against Wilber & Associates, P.C. regarding unlawful debt collection practices. 
In XX/XX/year>, I requested verification of the debt under the Fair Debt Collection Practices Act ( FDCPA ). 
I also issued a cease-and-desist letter requesting that phone communications stop. 
Despite this, Wilber & Associates continued to call me, including at my workplace, even after I informed them not to. 
I advised them that their actions violated the FDCPA and that I would report them to regulators. They continued collection efforts and explicitly refused my reasonable settlement offer. 

Violations : Continued communication after a cease-and-desist ( 15 U.S.C. 805 ( c ) ).

Contacting me at work after being told not to ( 15 U.S.C. 805 ( a ) ( 3 ) ).

Harassment and refusal to honor consumer rights ( 15 U.S.C. 806 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Though I am not admitting to this debt. I want to highlight the fact that this agency is not licensed to collect in the state of Florida. 

This agency has been bombarding me with text messages and emails, despite my request to refrain from contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: NC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have sent the CRA 's notice of data breach. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my Id, the FTC complaint and a copy of the XXXX report showing my information being exposed in a national data breach and a notice letter of the data breach.

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 2025-09-18 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: NC

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have sent the CRA 's notice of data breach. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of my Id, the FTC complaint and a copy of the XXXX report showing my information being exposed in a national data breach and a notice letter of the data breach.

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 2025-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
On XX/XX/2025 I received a credit inquiry from XXXX. My wife was delivering our XXXX  child so I didnt notice until early morning XX/XX/2025. By noon I had called XXXX, disputed this with XXXX, XXXX  all XXXX  Credit Bureaus, applied XXXX XXXX XXXX XXXX XXXX credit bureau, filed a report for identity theft with the FTC ID Theft. Police report was made with the XXXX Police division ( XXXX ) XXXX, report XXXX XXXXXXXX. And lastly when I called target to close this account they disclosed that the only variance in my information was my phone, email, and drivers license number. XXXX $ in charges were made before I could get the account shut down. I want this resolved and XXXX getting nowhere. They made me mail in this form to state my case and its been silent. I completed everything promptly XX/XX/2025 within XXXX hours of any of this happening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX  is reporting a balance of {$350.00} on my credit file. This is an inaccurate and misleading entry. I have never received any original agreement, application, or authorization tied to this alleged debt. No documentation or signature has been provided showing that I entered into a valid contract or that this company has the legal right to collect or report this account. Under the FDCPA and FCRA, collection agencies must provide proper validation before furnishing information to the credit bureaus. Continuing to report without validation is unlawful and severely harming my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX hours ago ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Via email : XXXX Gulf Coast Collection Bureau Inc . 

XXXX XXXX XXXX XXXX, FL XXXX Re : Cease and Desist Unlicensed Debt Collection in Florida To Whom It May Concern : I am writing regarding your attempts to collect an alleged debt from me. Please be advised that under Florida law, a debt collection agency must be properly licensed to operate in this state. After checking with the Florida State Department of Financial Regulation / Licensing Board, I have confirmed that Gulf Coast Collection Bureau Inc. is not licensed to collect debts in Florida. 



Accordingly, your collection activities directed toward me are unlawful and in violation of both : Florida State Statute or Code Section which requires debt collectors to obtain and maintain a valid state license before attempting to collect. 

XXXX. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations in connection with debt collection, including misrepresenting legal authorization to collect. 

Therefore, I demand that you : XXXX. Cease and desist all collection activities related to this alleged debt immediately. 

XXXX. Provide written confirmation that no further contact will be made. 

XXXX. Remove any negative reporting you may have made to credit reporting agencies regarding this alleged debt. 





Be advised that continued collection activity, including phone calls, letters, or credit reporting, will be documented and may result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office. 



This letter is not to be construed as an acknowledgment of liability for the alleged debt, nor a refusal to pay, but rather a notice that your actions are illegal and unauthorized in my state. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Wrong amount owed Letter was written Subject : Cease and Desist from Trademark Infringement and Unlawful Conduct Dear citi bank I am writing to formally demand that you immediately cease and desist all unauthorized use of our registered trademark [ Trademark Name ], which infringes upon our rights under federal law, including 15 U.S.C. 1125 ( a ).

It has come to our attention that you are involved in activities that constitute false or misleading representations in connection with goods/services, specifically [ describe infringing activity, e.g., using our trademark without authorization, selling counterfeit goods, etc. ]. Such conduct violates federal law under 15 U.S.C. 1125 ( a ) and related statutes, including the prohibitions against the use of false or misleading designation of origin.

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