vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: NC

Complaint narrative:
I am writing to formally request the removal of inaccurate late payment entries from my credit report for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year>. These entries are erroneous and do not accurately reflect my payment history. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1681b and 15 U.S.C. 1666 ( b ), to dispute these inaccuracies.

Under 15 U.S.C. 1681b, consumer reporting agencies are required to ensure that the information they report is accurate and only shared for permissible purposes. The late payment entries in question are incorrect and have been reported without proper verification, thus violating this statute.

Additionally, 15 U.S.C. 1666 ( b ) provides consumers with the right to dispute billing errors, which include inaccuracies in reported payment history. I am exercising this right to challenge the erroneous late payment entries and request their immediate correction. 

The specific entries I am disputing are as follows : XXXX. XXXX XXXX  / XXXX - Late Payment Reported for XX/XX/year> XXXX. XXXX XXXX  XXXX - Late Payment Reported for XX/XX/year> XXXX. XXXX XXXX  XXXX - Late Payment Reported for XX/XX/year> In accordance with Section 605B of the FCRA, I am providing a sworn statement asserting that these late payment entries are inaccurate.

Please conduct a thorough investigation into these matters and provide me with written confirmation of the deletion or correction of these entries. I expect a response within the 14-day period mandated by the FCRA.

Thank you for your immediate attention to this matter. I look forward to resolving these inaccuracies promptly.

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 2025-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
My info was part of a data breach with XXXX. It took years before I realized my info was stolen. I have XXXX delinquent accounts with Jefferson Capital System LLC. I tried to get these accounts removed, but didnt know at the time they were part of a data breach- so my request was denied. The amounts for the XXXX accounts are : XXXX and XXXX for a total of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT 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 ONE 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 explanation
Consumer complaint received 2025-04-26 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: MD

Complaint narrative:
I paid my XXXX student loans on XX/XX/year>. After checking my credit score, I see that SINCE the EXACT DAY I paid my student loans and 4 days after, XXXX marked my account as a Delinquent account. When seeing the provided evidence, you can see that I paid it off on XX/XX/XXXX. I wasnt received any emails or warnings about paying it off either. I would like this report taken off and my credit revered 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 2025-04-26 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: MD

Complaint narrative:
I paid my XXXX student loans on XX/XX/year>. After checking my credit score, I see that SINCE the EXACT DAY I paid my student loans and 4 days after, XXXX marked my account as a Delinquent account. When seeing the provided evidence, you can see that I paid it off on XX/XX/XXXX. I wasnt received any emails or warnings about paying it off either. I would like this report taken off and my credit revered 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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I paid my XXXX student loans on XX/XX/year>. After checking my credit score, I see that SINCE the EXACT DAY I paid my student loans and 4 days after, XXXX marked my account as a Delinquent account. When seeing the provided evidence, you can see that I paid it off on XX/XX/XXXX. I wasnt received any emails or warnings about paying it off either. I would like this report taken off and my credit revered immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
A Lawsuit has been filed against me. The problem is not with the lawsuit itself, though I dispute it in its entirety. I also request arbitration. I just want to make sure I have the actions taken by Midland Credit Agency correct. I HAVE NOT BE PROVIDED AN UNREDACTED BILL OF SALE FOR YOUR PURCHASE AGREEMENT. BUT I CAN SEARCH ON THE INTERNET AND FIND THE LAST 4 OF MY SOCIAL SECURITY NUMBER, FULL ADDRESS, THAT CAN BE ACCESSED BY ANYONE AND USED IN FRAUD AND THATS OK. LEGALLY, OK? LET ME BE VERY CLEAR -- ANY FRAUD CONDUCTED BY THIS DELIBERATE ACTION WILL BE MET WITH LEGAL ACTION. 

I HEREBY DEMAND THE REDACTED USE OF MY PERSONAL IDENTIFABLE INFORMATION POSTED ON PUBLIC COURT DOCUMENTS OR -- YOU CAN POST YOUR UNREDACTED PURCHASE PRICE OF THIS ALLEDGED DEBT CLAIM LAWSUIT AND WE CALL I EVEN!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: VA

Complaint narrative:
My name is XXXX XXXX and I'm not filing this claim in XXXX person. I am a living woman who's privacy rights have been violated. The accounts listed below have been reporting to my personal reports and has had a negative affect on my life extremely reducing the ability to obtain any credit in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OUTDATED PERSONAL INFORMATION : NAMES, ADDRESSES, EMPLOYMENT, D.O.B I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : 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 2025-04-25 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: MS

Complaint narrative:
I am a victim of Data Breach and Identity Theft. Please, block and delete the account within 4 business days pursuant to FCRA 605B15 U.S.C. 1681c-2.

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 2025-04-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
According to law 15 U.S.C 1692C, my rights have been violated by unlawful communications by Experian and Equifax. I would like the following accounts to be removed from my credit report, please. 

Reported date : XX/XX/25 from XXXX XXXX XXXX XXXX Reported date : XX/XX/25 from XXXX XXXX XXXX  Reported date : XX/XX/25 from XXXX XXXX  After filing a dispute with Experian, they also stated they updated my phone number on my account because their system did not recognize when I updated my phone number on my account. I've tried to log into my Experian account multiple times and each time, it shows my phone number is still listed as my old phone number. Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: VA

Complaint narrative:
I disputed several accounts that Experian is reporting as recently opened, but I did not open these accounts. The original open dates are incorrect, and I believe they are being misreported to make the accounts appear current so they remain on my credit report. I submitted a dispute on XX/XX/year>, and Experian closed it the next day without any valid investigation or documentation. They did not provide proof of when the accounts were actually opened or any verification from the original creditor. This inaccurate reporting is damaging and appears to violate 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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-26 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: IL

Complaint narrative:
Dear CFPB, I am writing to complain about a fraudulent account that has been reported to the credit bureaus by XXXX XXXX ( XXXX ). This account was opened by an unauthorized individual without my consent, and I am extremely concerned about the impact this has had on my credit report and financial stability I first became aware of this fraudulent account in XX/XX/XXXX while reviewing my credit report. The account was opened in XX/XX/XXXX, and I have no prior knowledge or authorization of this activity. The total amount charged on this account is {$27000.00}, which I did not incur. 

Upon discovering the fraud, I contacted XXXX to dispute the account and reported it as fraudulent. Despite my efforts, including submitting a fraud alert and providing necessary documentation, the fraudulent account remains active on my credit report, severely affecting my credit score.

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 2025-04-25 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-26 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: AL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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

I demand the late payment to be updated.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
To Whom It May Concern at Experian Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX. Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 


Thank you for your assistance and attention to this matter.

Company response to consumer: Closed with non-monetary relief