vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ensure legal deadlines for disputed account removal are met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I am submitting this complaint regarding a debt collection attempt on the above account.

1. Debt Validation Request : I sent a debt validation letter via certified XXXX mail on XX/XX/2025. 
The collector never provided any response or validation, which is required under the Fair Debt Collection Practices Act ( FDCPA ).

2. Collector Communication : I attempted to negotiate a settlement for this account. 
The collector refused reasonable settlement offers and insisted on full-balance payments or payment plans, despite my financial limitations. 
The account is currently pre-lawsuit, and the collector has applied pressure to initiate full payments before providing proper validation or written settlement options.

3. Violation of Rights/ Concerns : Ignoring my debt validation request violates FDCPA requirements.

Pressuring me for full payment without providing proper validation is unfair and potentially deceptive. 
Their actions have caused stress and uncertainty regarding my rights and financial obligations. 

Desired Resolution : I request the debt collector respond in writing with proper validation of the debt.

I request consideration for a reasonable settlement consistent with my financial situation.

I request the CFPB review this collectors practices for failure to provide debt validation and pressuring pre-lawsuit payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: IL

Complaint narrative:
I am disputing several accounts being reported inaccurately by Experian. These accounts are listed as charged off, but I do not believe the information being furnished is accurate, complete, or verifiable. 

Accounts in Dispute : XXXX XXXX XXXX XXXX Acct : XXXX Reported charged off on XX/XX/XXXX Balance {$7000.00} XXXX Acct XXXX XXXXXXXX Reported charged off on XX/XX/XXXX Balance {$480.00} XXXX  Acct : XXXX Reported charged off on XX/XX/XXXX Balance {$610.00} XXXX XXXX  Acct : XXXX Reported charged off on XX/XX/XXXX Balance {$6100.00} I am requesting Experian to conduct a full reinvestigation and verify that each of these accounts is being reported accurately and complies with the Fair Credit Reporting Act ( FCRA ). If any information can not be verified as accurate and complete, I request deletion from my report. 

Late Payment Dispute : XXXX XXXX XXXXXXXX Acct : XXXX This account is being reported with late payments that I believe are inaccurate or outdated. Please verify the accuracy and payment history or remove any incorrect late entries. 

There are no authorized hard inquiries that I recognize at this time, but I request Experian to confirm that all inquiries listed on my file are valid and authorized.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Order placed on XX/XX/year> on XXXX Amount : {$620.00} XXXX listing stated XXXX and I received silver. engraving for napkins is not correct size and listed as champagne but received silver. 

I reached out to the company to request that they rectify the issue as the XXXX is not as described. XXXX declined to provide a replacement and Discover credit card is declining to honor the dispute because I was provided a XXXXroduct, albeit, one that is the incorrect XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy

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 2025-11-04 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: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-04 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: MN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
Take timely steps to remove disputed accounts, as demanded by 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 2025-11-04 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-04 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 am disputing the following charged off accounts with Equifax, as I believe they are inaccurate. These accounts have been reported as charged off but do not reflect accurate payment history or account status : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$2700.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$1500.00} Additionally, the following late payments are inaccurately reported on my account : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX There are no inquiries listed under my Equifax report at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to report that my personal identification was taken without my permission. I do not know who took it or what was done with it. My identification and Social Security number may have been used without my consent, and I am requesting that this matter be investigated as possible identity theft. 
Please note that I am not responsible for any accounts, transactions, or activities made under my name or Social Security number after the date my identification was taken. I am also requesting that this report be placed on file for record and verification purposes. 
I am taking steps to protect my personal information, including contacting the major credit bureaus and filing this report. If any additional information is needed, please contact me at your phone number or your email address. 
To : Early Warning Services , LLC ATTN : Consumer Response Department Subject : Urgent Notice of Stolen Identification and Unauthorized Use of Personal Information Dear Early Warning Services Team, I am writing to formally notify you that my personal identification and Social Security number were stolen. I have reason to believe my information may have been used without my consent, and I demand that Early Warning Services take immediate action to investigate, correct, and remove any fraudulent or inaccurate records associated with my name. 
I possess supporting documentation to substantiate my claim, including describe briefly what type of documentation you have, such as a police report, FTC Identity Theft Report, or other verifiable evidence. I am ready to provide copies upon request to support your review and resolution. 
Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), you are required to investigate and delete any information that can not be verified as accurate or that resulted from identity theft. Any failure to comply with this request will result in formal escalation to the Consumer Financial Protection Bureau and additional legal reporting if necessary. 
Please send me written confirmation that you have received this notice, initiated an investigation, and removed any fraudulent or unauthorized data linked to my identity. 
Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am submitting this dispute statement to the Consumer Financial Protection Bureau ( CFPB ) to address inaccuracies that have been reported on my credit reports by the major credit bureaus. These discrepancies are adversely affecting my credit score and overall financial well-being. I am requesting a thorough review and resolution of the following accounts, which I believe to be incorrectly reported. 


DOE XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} Issue : The accuracy of the reported balance and the status of the account needs verification. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account should reflect accurate status, as it shows as XXXX balance but further verification is needed. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} Issue : Discrepancy in the reported balance amount compared to the actual amount. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} Issue : Requires confirmation of balance and account activity. 

XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9200.00} Issue : Review the status of the account and ensure it reflects the accurate outstanding balance. 

XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12000.00} Issue : Verification needed for accuracy of balance and account details. 

XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Issue : Account status requires validation. 

XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} Issue : Discrepancy in the reported information that requires verification.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are late payment records on my credit report that I believe are incorrect. According to 15 U.S.C. 1681e ( b ) and 1681i, my credit file must include only information that is accurate, complete, and verifiable. I am asking that these late payment entries be reviewed for verification, and if they can not be validated, I request that they be corrected or deleted from my report.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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 2025-11-04 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of XXXX XXXX. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-04 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: PA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-04 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:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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