vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-14 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: CA

Complaint narrative:
* * Subject : * * Request for Deletion of Account Due to FCRA Violations Dear EXPERIAN, I am writing to formally dispute the account associated with * * XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) that appears on my credit report. My name is * * XXXX XXXX * *, and after reviewing the details of the account, I have found several discrepancies that violate the Fair Credit Reporting Act ( FCRA ). I am requesting that the account be deleted from my credit report. 

# # # Discrepancies Identified : 1. * * Inaccurate Payment History * * : - The account is marked as past due by 30, 60, and 90 days in the months of * * XX/XX/XXXX to XX/XX/XXXX * *, despite the account showing consistent payments, including overpayments. 

2. * * Inconsistent Account Status * * : - The account is marked as " Paid, Closed, '' yet payments were made after the account status was updated as " Closed. '' This creates confusion about whether the account was truly closed or if payments continued post-closure.

3. * * Balance History * * : - The balance history shows payments being made to reduce the balance, but the account still lists inconsistencies in the reported balance for * * XX/XX/XXXX * *. 

# # # Violation of FCRA Provisions : - * * 15 U.S.C. 1681g * * ( Right to Accurate Information ) The account information reported is not accurate, as discrepancies were identified in the payment history.

- * * 15 U.S.C. 1681i * * ( Duty to Investigate Disputed Information ) The creditor and credit reporting agencies failed to investigate and correct the erroneous information after I raised the dispute.

- * * 15 U.S.C. 1681c * * ( Reporting of Negative Information ) The account continues to show negative statuses such as 30, 60, and 90 days past due, even though the account has been paid off and closed.

Given these discrepancies, I am requesting the deletion of this account from my credit report in accordance with the Fair Credit Reporting Act. The inaccurate reporting of this account is negatively impacting my credit score and financial standing.

Please confirm the deletion of this account within 30 days, as required by law. If this request is denied, I request a detailed explanation, method of verification, including the names and dates spoken to for the people involved in the investigation and any supporting evidence regarding the continued reporting of this account. 


Sincerely, * * XXXX XXXX * * XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX LAST 4 OF SSN - XXXX Identification 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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a complaint regarding the inaccurate, unverified, and improperly reported debt information on my consumer credit reports. The reporting agencies and debt collectors involved have violated several federal consumer protection laws including : FDCPA 809 ( b ) : They failed to provide adequate debt validation upon request.

FCRA 1681i and 623 ( a ) : They continued reporting inaccurate information without proper investigation or dispute notations.

HIPAA 45 CFR 164.502 : Medical debt was shared with third-party debt collectors without proper authorization.

Despite my written disputes and requests for validation, the accounts remain on my credit report with incomplete or misleading information. I request a full investigation, deletion of unvalidated accounts, and penalties for any verified violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-05-14 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: AL

Complaint narrative:
( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Incorrect Name - XXXX XXXX, Incorrect Name - XXXX XXXX XXXX, Incorrect DOB - XX/XX/XXXX, Incorrect Address - XXXX XXXX XXXX XXXX XXXX, AL, XXXX, Incorrect Address - XXXXXXXX XXXX XXXX XXXX, AL, XXXX, Incorrect Address - XXXX XXXX XXXX XXXXXXXX, AL, XXXX, EMPLOYER - 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. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) and ( 15 USC 1681b ( a ) ( 2 ) that the Experian, Transunion and Equifax along XXXX all applicable furnishers receiving this notice, 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. This fraudulent, inaccurate, and false information consists of multiple accounts I did not authorize or give express written consent to be reported on my consumer report. These accounts have resulted in several fraudulent fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the accounts in question along with a copy of the consumer XX/XX/XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account/collections. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 2025-05-14 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 605B ( 15 U.S.C. 1681c-2 ) and ( 15 USC 1681b ( a ) ( 2 ) that the Experian, Transunion and Equifax along XXXX all applicable furnishers receiving this notice, 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. This fraudulent, inaccurate, and false information consists of multiple accounts I did not authorize or give express written consent to be reported on my consumer report. These accounts have resulted in several fraudulent fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the accounts in question along with a copy of the consumer XX/XX/XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account/collections. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaints as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 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 2025-05-14 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: FL

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$8400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
Account # : XXXX * * * * XXXXXXXX XXXX To Whom It May Concern, I am formally disputing inaccurate, inconsistent, and misleading payment history data being reported under the above-referenced account on my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCR

A ), 15 U.S.C. 1681 et seq., and Metro 2 Compliance Standards. Upon review of my credit report, I discovered that the payment history across TransUnion, Experian, and XXXX  is not only inconsistent but grossly inaccurate. As per Metro 2 guidelines, payment history must be uniform, verifiable, factual, and consistent across all reporting agencies. However, this account reflects conflicting late payment entries for the same months between bureausspecifically 30, 60, 90, and 120-day delinquencies that are not identically reported. This violates : FCRA 607 ( b ) : requiring maximum possible accuracy!

FCRA 611 : granting me the right to dispute any item and requiring you to conduct a reasonable investigation.

Metro 2 Field 17 ( Payment Rating ) and Field 24 ( Account History ) : mandating standardized and accurate month-by-month reporting.

The payment history discrepancies are damaging and misrepresent the true status of the account. You are reporting different delinquencies to different bureaus for the same periods, and that is deceptive, misleading, and not in compliance with federal law or Metro 2 standards.

I demand that you : 1. Immediately conduct a thorough reinvestigation under FCRA 611. 
XXXX. XXXX XXXXXXXX XXXX to provide a full and verified account history with consistent data across all bureaus. 
XXXX. Delete any unverifiable or inconsistent payment history entries. 
XXXX. Provide me with a written response and updated report reflecting the corrected information. 
If you fail to properly investigate and correct or remove this erroneous reporting, I will not hesitate to escalate this matter through a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and, if necessary, pursue legal remedies. 
This letter serves as a formal notice to rectify this issue. Please complete your Reinvestigation within the 30-day window as required by law. 
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
Consumer complaint received 2025-05-14 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: MI

Complaint narrative:
I am submitting this complaint because I found incorrect information on my credit report, which I obtained from XXXX. I sent a formal dispute asking for a full reinvestigation of certain accounts and personal details, as allowed under the Fair Credit Reporting Act. I also requested details on how the information was verified and asked for full file disclosure, according to 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

This is a specific and valid dispute. I am not asking for automated or generic responses. I personally prepared and sent each dispute along with the required identification and supporting documents. However, the inaccurate information is still being reported, and it appears no proper investigation was done. 

The Fair Credit Reporting Act requires a complete and good-faith reinvestigation of the disputed item, including all related informationnot just the tradeline. I am asking for the CFPBs support in making sure this matter is properly handled and my rights are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
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 non-monetary relief
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
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 non-monetary relief
Consumer complaint received 2025-05-14 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: CT

Complaint narrative:
XXXX XXXX  recently lied and got caught in there lie to the Consumer Finance Protection Bureau. XXXX lied and said that after a loan modification they made the mortgage current as required. This is proven to be a lie by the date of the loan modification and there still being lates on the mortgage prior to the loan modification. Also, XXXX once again lied on top of this and didn't mention how any alleged late prior to the loan modification was done during a Covid forbearance wherein federal law states that they are not to report any lates. In both of this XXXX has lied in a compounding way and also XXXX is violating the anti-monopoly sherman act and becoming a processor and also mortgage originator in one by merging with XXXX XXXX  which is a conflict of interest and gives an unfair competitive advantage as in doing this servicing the loans done by an affiliate company white washes any fraud committed during mortgage originations as the then satellite company services and is able to modify and white wash bad paper. This company or XXXX  is well known for falsely reporting mortgage lates for untold thousands. The company needs to lose their mortgage license and get shut down because they refuse to fix the mistakes in pure arrogance and serially lie as icing on the cake.

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 2025-05-14 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: IL

Complaint narrative:
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, This is a formal dispute regarding erroneous payment history data being reported by Experian on the above-referenced XXXX XXXX account. 
You are incorrectly reporting multiple XXXX late payments on this installment auto loan account during 2023. This is factually inaccurate, as the account : Is in Current standing with {$0.00} past due, Has a consistent monthly payment of {$580.00}, and Has matching data across XXXX, which correctly reflects an on-time payment history. 
Your reporting violates the following : FCRA 607 ( b ) : Requires that you ensure maximum possible accuracy in the information you furnish.

FCRA 611 : I am exercising my right to dispute inaccurate reporting, and you are required to reinvestigate within 30 days. 
XXXX XXXX Compliance : You are reporting contradictory data on payment history for the same account that is reflected as current with no delinquencies. Per XXXX XXXX guidelines, the XXXX XXXX and Account Status must not conflict and must be reported consistently across CRAs. 
XXXX XXXX XXXX Standards : When an account is current, the XXXX XXXX field must reflect XXXX and can not show XXXX late payments unless accurately documented and verifiable. 
I request the following actions be completed within 30 days : XXXX. Remove all inaccurate late payment notations for XXXX on this account. 
XXXX. Update the payment history to reflect accurate, timely payments consistent with Equifax. 
XXXX. Provide me with a full description of your reinvestigation, including : o Verification documents from XXXX XXXX XXXX  Payment records you used to justify the reported late payments Continued inaccurate reporting will be considered willful noncompliance under FCRA and XXXX XXXX standards. I reserve the right to file complaints with the CFPB, FTC, and state attorney general if this dispute is not corrected. 
Thank you 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