vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding a fraudulent utility account reported by Sunrise Credit Services under account number XXXX in the amount of {$340.00}. This account is appearing on my credit report without my authorization or consent. I did not open or approve this account. This is a direct result of identity theft. The fraudulent activity began around XX/XX/XXXX and was discovered in XX/XX/XXXX. 

I have already submitted an FTC Identity Theft Report ( # XXXX ) and mailed dispute letters to all three credit bureaus. I also requested debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), but no original signed contract or chain of title has been provided. 

This account is in violation of the following federal consumer protection laws : FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity theft block FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation duties FCRA 1681e ( b ) Maximum accuracy obligation FCRA 1681i ( a ) ( 5 ) ( A ) Deletion of unverifiable info FDCPA 809 ( 15 U.S.C. 1692g ) Debt validation FDCPA 805 ( 15 U.S.C. 1692cc ) Unauthorized disclosure This continued reporting is harming my ability to provide for my family. It is outrageous, inhuman, and unlawful for this account to remain after official identity theft documentation has been submitted. My personal information was also exposed in the XXXX  data breach, which proves the vulnerability of my identity. 

I am requesting the immediate and permanent deletion of this fraudulent account from my credit reports. If Sunrise Credit Services can not provide full documentation with my wet signature, a complete payment history, and a valid chain of title proving their legal right to collect, this item must be removed without delay. 


Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXXXXXX 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 2025-12-22 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am disputing accounts on my credit report that I did not open and am not associated with. I am requesting that these accounts be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint to formally dispute several unauthorized hard inquiries on my credit report that are the result of identity theft. I hereby request that these fraudulent inquiries be blocked or removed from my file as mandated by 15 U.S.C. 1681c-2. For your reference and as supporting evidence, I have included my official FTC Identity Theft Report ( Report Number : XXXX ). 
Under 15 U.S.C. 1681c-2, credit reporting agencies are obligated to block any information identified by a consumer in an identity theft report within four ( 4 ) business days of receiving the report. 
The following hard inquiries on my credit file are fraudulent and must be blocked. I did not authorize these credit checks, and they are directly linked to the identity theft I reported : XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> Pursuant to 15 U.S.C. 1681c-2, I formally request the immediate and permanent blocking of these inquiries. This block should remain in effect for the statutory period, during which no information related to these fraudulent credit pulls may be reported. 
I have previously contacted the credit bureau reporting these inquiries on multiple occasions to seek resolution. Despite my efforts and the submission of my FTC report, the issue persists without a final and effective resolution. The continued presence of these unauthorized inquiries is causing me significant harm by inaccurately lowering my credit score and impeding my ability to secure credit for essential needs. 
I trust that the CFPB will facilitate a fair and timely resolution. I request your assistance in ensuring the credit bureau complies with federal law and permanently removes these fraudulent inquiries from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding an inaccurate medical collection being reported on my credit report. I previously disputed this account with the credit bureaus and the furnisher, yet it was improperly verified without adequate investigation. The collection agency failed to provide proper validation, proof of ownership, or itemized billing, and unlawfully disclosed protected medical information without authorization. This violates the Fair Credit Reporting Act and HIPAA privacy protections. I am requesting immediate deletion of this account and written confirmation.

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 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: PR

Complaint narrative:
Online Information Services is inaccurately reporting a collection account for an alleged debt owed to XXXX XXXX XXXX. The collection agency has failed to provide proper validation of the debt, including proof of service, original billing documentation, or proof of legal authority to collect. 
The account is repeatedly reported as collection on a monthly basis, improperly re-aging the account and exaggerating its negative impact. The reporting also contains multiple invalid date entries. 
This account was previously disputed and remained unchanged without proper verification, demonstrating a failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act and violations of the FDCPA. 
I am requesting immediate deletion of this unvalidated collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
I am disputing multiple inquiries currently reporting on my TransUnion credit report that I do not recognize and did not authorize. 

I did not apply for credit or grant permission for the listed companies to access my credit report. These inquiries are inaccurate and are causing harm to my credit standing. 

Under the Fair Credit Reporting Act, TransUnion is required to ensure that all inquiries are supported by a legitimate permissible purpose. If TransUnion can not validate these inquiries with proper documentation showing my consent, they must be deleted. 

Disputed Inquiries ( TransUnion ) : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Subject : Urgent Action Required : Unresolved Fraud Claim and Withheld Funds Case # XXXX To Whom It XXXX Concern : I am writing to file a formal complaint regarding the gross mishandling of a fraud claim and the subsequent failure of both your customer service and fraud departments to return {$5000.00} of my funds, which USAA has XXXX holding for an unacceptable length of time. 
On or around XX/XX/year>, I identified and reported a series of fraudulent activities that your internal security failed to prevent : 1. Fraudulent use of my credit card rewards points.

2. A fraudulent {$100.00} cash advance on my credit card.

3. The fraudulent creation of a USAA checking account in my name.

4. A fraudulent {$5000.00} transfer from my external XXXX XXXX account into this new, unauthorized USAA checking account. 
While your rewards and credit card departments eventually reversed the initial fraudulent transactions, the primary issue remains unresolved : the {$5000.00}. These funds were transferred, frozen by USAA, and have not been returned to me despite my dedicating approximately XXXX hours to phone calls with your representatives. My funds have effectively vanished from my view, and your organization has been unable or unwilling to restore them. 
During these repeated and fruitless calls, I have been met with a consistent pattern of unhelpful responses, typically claiming a " lack of authorization '' before promising an " escalation '' that never materializes. There has been zero follow-up from any representative. The platitude of being a " valued customer '' feels insulting when my experience demonstrates the exact opposite. It is clear I have fallen through a crack in your internal processes, and no one I have spoken to has taken ownership of the problem.

I have already proposed three simple and direct solutions, none of which have been acted upon : Option 1 : Deposit the {$5000.00} into my existing USAA savings account.

Option 2 : Issue and mail a certified check for {$5000.00} to my address on file.

Option 3 : Return the {$5000.00} to the account of origin at XXXX XXXX XXXX XXXX. 
This situation has now moved beyond mere inconvenience. I require immediate access to my funds. 
I expect a definitive resolution and the return of my {$5000.00} within XXXX ( XXXX ) business days of your receipt of this letter. If this matter is not settled by that deadline, I will have no alternative but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 
I await your prompt and decisive action. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-12-22 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:
Identity Theft Not Deleted by Credit Bureaus Product : Credit reporting Issue : Incorrect information on credit report due to identity theft Companies involved : Experian, Equifax and TransUnion I am submitting this complaint regarding identity theftrelated accounts and information that remain on my credit report despite proper disputes and documentation.

I am a victim of identity theft. Fraudulent accounts and/or inquiries were opened without my knowledge or authorization. I have formally disputed these items with the credit reporting agencies and provided identity theft documentation, including an Identity Theft Report ( FTC report and/or police report ) and proof of identity.

These are the accounts that are not mine. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and delete identity-theft-related information within four business days of receiving a valid Identity Theft Report.

Despite this : The credit bureau ( s ) failed to delete the fraudulent information, or The items were reinserted without proper notice, or The bureaus are verifying fraudulent accounts as accurate without evidence that I authorized them.

The continued reporting of this fraudulent information is causing ongoing harm, including damage to my credit score, emotional XXXX, and difficulty obtaining credit and financial services.

I am requesting the CFPBs assistance in ensuring the credit bureau ( s ) : 1. Immediately delete all identity-theft-related accounts, inquiries, and information 2. Cease reinsertion of fraudulent data 3. Correct my credit reports to reflect accurate information 4. Provide written confirmation of the deletions I have complied with all legal requirements and provided sufficient documentation. The credit bureau ( s ) failure to correct my credit report violates 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 2025-12-22 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am disputing multiple inaccurate, unverifiable, and in some cases duplicate accounts being reported on my credit report. Several of these accounts were previously disputed, yet they remain on my report without any proper validation, method of verification, or evidence of a lawful reinvestigation. 

The credit reporting company has failed to ensure the maximum possible accuracy of the information being reported, in violation of the Fair Credit Reporting Act ( FCRA ). Some accounts contain contradictory information ( such as reporting paidXXXX % paid while also showing a past-due balance ), incorrect account details, duplicate reporting under the same account number, or accounts that I did not open.

I have requested a full reinvestigation and the Method of Verification ( MOV ) for these accounts. To date, no documentation such as signed contracts, itemized statements, proof of ownership, or lawful authority to report has been provided.

I am requesting that the CFPB require the credit reporting company to conduct a lawful reinvestigation, delete any account that can not be fully verified, correct inaccurate personal information, and provide me with a corrected credit 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 non-monetary relief
Consumer complaint received 2025-12-22 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: NE

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding the following accounts that have been inaccurately reported on my credit reports. Please find the details of the accounts in dispute below, separated by credit bureau. 

CHARGED OFF XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: OH

Complaint narrative:
I am a consumer disputing inaccurate and unverified information appearing on my Experian credit report. After carefully reviewing my file, I found items that do not meet the accuracy and completeness standards required by the Fair Credit Reporting Act ( FCRA ). 

Inquiries The following inquiry is unauthorized and/or not properly verified : XXXX / XXXX XXXX XXXX dated XX/XX/year> I did not authorize this inquiry, and no permissible purpose has been provided. I am requesting proof of authorization or immediate removal. 

Late Payments The following accounts are inaccurately reporting late payment history : XXXX XXXX XXXX  Account XXXX. XXXX XXXX XXXX XXXX  Account No. XXXX If these late payments can not be fully substantiated with proper records, they must be deleted or corrected accordingly.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
EASTERN ACCOUNT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research EASTERN ACCOUNT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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 obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation