vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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:
My name is misspelled in several of the companies, the room address they use is incorrect, the date of birth is wrong.

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 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Tuesday XX/XX/year>, someone walked into a Truist bank in Virginia ( I live in XXXX XXXX ) and empty my bank account. I have never banked in Virginia first red flag. Second was not same signature. This cost me thousands of my own money as I had to take money out of my own 401k to cover my bills while waiting for them to research and decide what to do. Yes I did finally get my money back. But when I had to take money out of the 401k as you know you have to pay a penalty. Also I had to contact many of the people I pay bills to to explain all to them and get them to waive late fees while waiting for things to be straightened out. Also 2 checks were " bounced '' and I was charged return check fees from 2 companies that I had to pay. Also by taking money from my 401k it cost me additional money by me having to pay the IRS. Another note is I just recently received a call from Truist saying I had an account past due and was accessed a late fee. They said I owed them approximately XXXX which was from a line of credit they said I opened back when they were still XXXXXXXX XXXX  XXXX. When they paid me back the stolen money. They claimed the XXXX was taken from that line of credit. I have no idea why as I had more then that stolen. Now they allegedly claim they credited it back so taking XXXX from my checking again. I know they are not responsible for my daily bills but I have many unexpected bills this month an that XXXX was not accounted for. All they can say is I understand your frustration how can they I did not let someone walk into my bank and take out all their money. Do they have no safeguards. If they did not allow my money to be stolen I would have none of these problems. I have spent hours upon hours on the phone with them trying to " assist me ''. This has caused an undue amount of stress upon my family and I.

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 monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Account XXXX XXXX XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide 'Certified Mail ' with receipt displaying my signature, If not please delete this account as soon as possible from my credit report or I will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I cancelled a pet care plan with XXXX XXXX XXXX in early XXXX and paid off my remaining balance. I thought this ship had sailed and I no longer had any ties to this veterinary clinic after moving away and moving on with my life. It is now XXXX, I recently pulled all XXXX  credit reports and see that on my XXXX  credit report a collection for {$120.00} from I C System, with the original creditor listed as XXXX XXXX XXXX. Ridiculous, as I never received any correspondence from XXXX after paying off and cancelling the plan. I have no idea what this is for, had no idea it had been sold off to collections to this other company. I have never even received any correspondence from the collections agency either. It does not show up on my other XXXX credit reports at all, just XXXX. I should not owe them any money, for anything. Now that I am trying to raise my XXXX XXXX and pay off XXXX XXXX, this nonsense hanging around does not help.

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 2025-05-30 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
1. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX XXXX XXXX XXXX, XXXX, WA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington 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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing a collection account reported by Midland Credit Management for {$540.00}. I have never had any account or business relationship with either Midland and have no knowledge of this debt. I did not authorize this account and have serious reason to believe this is the result of identity theft or inaccurate reporting. 

Furthermore, I was one of the individuals impacted by Midland Credit Managements 2022 data breach, which compromised personal consumer information. This may have contributed to this fraudulent or incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
Im contacting you because my personal information was compromised in a data breach, resulting in fraudulent accounts on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} Inquiries XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/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 2025-05-30 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: PA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) [ Direccin del CFPB ] [ Fecha ] Subject : Formal Complaint Against Experian for Failure to Remove Inaccurate Late Payments Reported by XXXX XXXXXXXX Dear CFPB, I am filing a formal complaint against Experian for failing to remove or correct inaccurate late payment information reported by XXXX XXXXXXXX on my credit report, despite my repeated disputes and requests over the past year. 

XXXX XXXX has reported the following inaccurate late payments on my accounts ( Account Numbers ending in XXXX and XXXX ) : 30 days late in XXXX XXXX  60 days late in XXXX XXXX  90 days late in XXXX XXXX 120 days late in XXXX XXXX 150 days late in XX/XX/year> These entries are false and have caused significant damage to my credit profile. I have disputed these inaccuracies with Experian multiple times, yet Experian has failed to conduct a proper investigation and correct or delete the inaccurate information, as required by the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA by Experian : 1. 15 U.S.C. 1681i ( a ) Experian is required to conduct a reasonable reinvestigation of disputed information and delete or correct any inaccurate, incomplete, or unverifiable information within 30 days. Despite my repeated disputes for nearly a year, Experian has failed to comply with this legal obligation.

2. 15 U.S.C. 1681e ( b ) Experian must maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. By continuing to report false late payments from XXXX XXXX, Experian has failed to maintain such procedures. 

Requested Resolution : I respectfully request the CFPB to take the following actions : Investigate Experians failure to correct the inaccurate late payment information after repeated disputes. 
Require Experian to delete the inaccurate late payment entries reported by XXXX XXXX from my credit report. 
Ensure Experians compliance with the FCRA to prevent further inaccurate reporting. 
Confirm that an updated and corrected credit report is provided to me as soon as possible. 

Thank you for your time and assistance. Experians failure to act has caused significant harm to my credit profile, and I request your support in resolving this issue. 

Sincerely, 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 explanation
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts 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 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 2025-05-30 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: TX

Complaint narrative:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
Bankruptcy Discharged. The following debts ( s ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480. ''

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 2025-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I canceled my XXXX car insurance in early XXXX  because they were going up a ridiculous amount on my rates for the next XXXX  months. Several months after I canceled, I received notice that I owed an amount of {$150.00} to XXXX from a company called Credit Collection Services. I disputed the debt as not being mine because I was paid up with XXXX when I left and was not aware of any outstanding charges, as I paid ahead for the month when I had insurance with them. I did not receive anything back from the company. I later called XXXX to discuss this amount they claim I owed and spoke with a representative who explained to me that this was some backdated charge from when I had insurance with them and he gave a horrible, nonsensical explanation of why I actually owed this amount. It didn't make sense to me to keep talking to him, so I requested that they send me some documentation as proof of me owing this amount. I have still yet to receive anything from them in the mail, email, or a call back about this. I forgot about it for a while until I recently checked my credit report. Lo and behold, I now have a collection on my credit report in the amount of {$150.00} from XXXX XXXX XXXX for a debt originally owed to XXXX. I still have no idea what they claim this debt is for, I'm pretty sure they aren't allowed to backdate charges for insurance that was previously covered and paid, and I do not believe I owe them any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$830.00} INQUIRIES : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/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 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
After checking my credit report ( s ) with XXXX, XXXX, and XXXX  I discovered that Portfolio Recovery Associates , LLC had reported the following inaccurate information : Acct # XXXX Alleged Amount Owed : {$1400.00} Acct # XXXX Alleged Amount Owed : {$3600.00} I sent Portfolio Recovery Associates , LLC via certified mail a Request for Debt Validation Pursuant to 15 U.S.C. 1692g ( b ). Attached is the letter I sent on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : mortgage loan account opened at XXXX XXXX on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX  mortgage loan account opened at XXXX XXXX on XX/XX/year> account number XXXX XXXX XXXX XXXX XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

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 2025-05-30 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: NY

Complaint narrative:
As of XX/XX/year> Experian has deducted XXXX points from my score while the others have increased my score well over XXXX no matter what model was used as all balances are paid and up to date. Since I've had problems with Experian 's scores being lower than other 's in the past, this time they clearly indicate that there are conflicts between my payment performance and their accurate assessment.

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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: SC

Complaint narrative:
These specific debt was charged off/ written off XX/XX/year>. I requested a 1099c for tax purposes and haven't received it yet, along with a removal from my credit report due to the inaccuracies. Under the provisions of Internal Revenue Code ( IRC ) Section 6050P and its corresponding Treasury Regulations, specifically 26 CFR 1.6050P-1, " applicable entities '' are required to report certain cancellations of indebtedness to the IRS and furnish a Form 109-C to the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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