vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
XX/XX/year> {$2900.00} I recently reviewed a copy of my credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account. Please remove this account from my credit report as it is hurting my ability to obtain credit.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX La, XXXX XXXX XX/XX/year> Subject : Inability to Access My Credit Report Dear CFPB, I am writing to file a complaint regarding my inability to access my credit report from XXXX, I cant access it from neither one of the major XXXX agencies I need that to my address soon as possible. 

I receive an error message when trying to verify my identity online. 
The system says my information is incorrect, though I have verified it multiple times. 
I was told to mail documentation, which I did, but have not received any response. 
I was locked out of the system without a clear reason. 
I called customer service but could not get assistance in accessing my report. 

This issue is preventing me from reviewing my credit information, which I have a legal right to access under the Fair Credit Reporting Act ( FCRA ). I am concerned that there may be errors or potential fraud that I am unable to detect due to this lack of access.

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 2025-07-06 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:
I am writing to formally address an issue with the status of my XXXX XXXX XXXX credit card account, which I recently paid off in full. I was previously assured by a XXXX XXXX representative that once my balance was paid, the remark would be removed from my credit report. However, upon reviewing my credit report, I have noticed that the account is currently marked as " XXXX, XXXX. {$670.00} written off, '' which is not accurate. 

I paid the full balance owed on the account, and the remaining balance was settled in full. The remark stating that {$670.00} was written off is incorrect and does not reflect the actual status of my account. As per the information provided by the representative, the account should be removed from my 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 2025-07-06 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: CA

Complaint narrative:
I am writing to formally address an issue with the status of my XXXX XXXX XXXX credit card account, which I recently paid off in full. I was previously assured by a XXXX XXXX representative that once my balance was paid, the remark would be removed from my credit report. However, upon reviewing my credit report, I have noticed that the account is currently marked as " XXXX, XXXX. {$670.00} written off, '' which is not accurate. 

I paid the full balance owed on the account, and the remaining balance was settled in full. The remark stating that {$670.00} was written off is incorrect and does not reflect the actual status of my account. As per the information provided by the representative, the account should be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-06 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: NY

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-07-06 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: GA

Complaint narrative:
I found out that I had been sent to collection from Midland Credit Management for {$1000.00} when I applied for XXXX  last week. The quoted me a credit score XXXX less than I found online. 
I had never heard of them but my wife reports she had received scam-like phone calls from them despite neither of us ever having any written communication with this company. 
We called the company and they asked if I lived on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( I have never been there or lived there ). I obtained this address from my credit report ( which has me a bit concerned about also identity theft ). 
When we called this company, they directed us to call The phone number XXXX is associated with the law firm XXXX, XXXX XXXX XXXX XXXX XXXX. My wife researched both companies and both are alleged to be scammers. 
I have not engaged with either company since. I started with disputing through the XXXX credit bureaus and CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: AR

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-07-06 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: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ( last XXXX ) : XXXX To Whom It May Concern, I am writing to formally dispute the reporting of a XXXX  XXXX account on my credit reports from TransUnion, XXXX, and Equifax. The account is showing a XXXX late payment status, which is inaccurate. I have not received any proper notice, validation, or documentation verifying this derogatory information. Additionally, I have not provided authorization for this information to be reported in such a manner. 

Under the Fair Credit Reporting Act ( FCRA ) 611 and 609, I am requesting the verification of this account and the specific details behind the reported delinquency. If XXXX XXXX and the credit bureaus can not produce documented evidence, including date-stamped records and a signed agreement, then this information must be removed immediately from all credit reports. 

This negative reporting violates my rights under the FCRA and the Privacy Act of XXXX, as there has been no documented authorization for this information to be shared or reported. If XXXX XXXX can not validate this information, it must be deleted. 

Please conduct an investigation and provide a resolution within the time frame required by law. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: Credit Systems International, Inc.
State: GA

Complaint narrative:
I have no knowledge of these accounts therefore they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have no knowledge of these accounts therefore they are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UPGRADE, INC.
State: GA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

TO : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX does not have a CONTRACT with XXXX XXXX XXXX, XXXX yet is attempting to collect a debt unlawfully!!! 

There was never any MEETING of the MINDS between XXXX and XXXX XXXX DOES NOT have any recorded security agreements or DEBT ASSIGNMENT that was signed by XXXX. 

XXXX DOES NOT have any perfected security interest recorded in ANY COUNTY in ANY STATE in the UNITED STATES. NO UCC1, no recorded interest. 

XXXX has particiapted in the destruction of XXXX 's rights by holding and possesing, buying and selling his non-public information and there is no record of any signed Social Security Administration form XXXX authorizating the release of non public information There are more violations XXXX is comitting by even seeking litigation for a FALSE INVALID UNLAWFUL DEBT CLAIM. 

The origins of the DEBT is inaccurate as XXXX was NEVER A DEBTOR, and is the GRANTOR of the Trust Transaction that was originally with XXXX XXXX XXXX XXXX XXXX XXXX XXXX - UPGRADE INC XXXX THIS FALSE REPORTING Is IDENTITY THEFT DUE TO MISCHARACTERIZATION AND DEFAMTION IN THE LIBEL, USING NON PUBLIC INFORMATION FOR FALSE AND MISLEADING REPORTING : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, where the court held : A bank can not lend its own credit. 

BANKS HAVE THE POWER TO BORROW.... NOT MAKE LOANS FROM THEIR OWN ASSETS SO TO PROPORT THAT ANY LENDER GAVE THE CONSUMER ANYTHING IS FALSE! THE CONSUMER GAVE THE LENDER AN EXECUTED INSTRUMENT THAT HAS ENRICHED THE LENDER AND THE LENDER USED THAT PAPER TO CREATE MONEY, THE COLOR OF MONEY... THE CONSTITUTION DEFINES MONEY AS GOLD AND SILVER. THUS ONLY CREDITS WERE CREATED BY THE LENDER. AND THE LENDER IS THE BORROWER. NOT THE CREDITOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: PR

Complaint narrative:
I am writing to formally dispute the inaccurate and misleading reporting of the above-referenced account on my Experian credit report. 

This account has been marked as * * charged off * *, which means the debt has been written off as a loss. However, your records continue to show * * monthly late payments even after the charge-off * *, including XXXX notations. This is not only factually incorrect but also violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and Metro 2 credit reporting standards.

Under Metro 2 guidelines, furnishers must cease updating monthly delinquencies after a charge-off. Continuing to add post-charge-off lates is considered * * re-aging * *, which is misleading and unlawfully damages my credit profile. 

I am requesting the immediate removal of all late payment notations dated * * after the charge-off date * * from this account and a correction of the reporting to reflect the proper charge-off status without repeated delinquencies. 

Please conduct a full reinvestigation pursuant to 15 U.S.C. 1681i and provide me with a complete updated copy of my credit report. If this information can not be verified as accurate, it must be removed or corrected immediately per FCRA 1681i ( a ) ( 5 ) ( A ).

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 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: GREENSTATE CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/2024, I had a checking account with GreenState Credit Union. A few small automatic charges caused overdrafts, which quickly escalated due to repeated overdraft and service fees. I closed the account shortly after believing that it had no remaining balance. 

When a customer closes a checking account, it is reasonable to assume that the account is paid and no further charges will apply. However, GreenState continued to apply overdraft and service fees even after the account was closed. 

I was later contacted and told I owed over {$750.00}, even though less than half of that was from actual usage. Over {$300.00} consisted only of fees added after the account had been closed. 

I reached out to the law firm representing GreenState ( XXXX XXXX XXXX XXXX ) to negotiate a reasonable settlement. I offered a good-faith payment based on the real amount used. They refused, demanded most of the inflated balance, and stated that even if I paid, they would report the account negatively to credit bureaus. 

I believe this is an abusive practice. A closed account should not continue to accumulate charges, and customers who try to resolve issues in good faith should not be punished on their credit report. I respectfully request that this case be reviewed and that a fair resolution be reached based on the actual usagenot on excessive post-closure fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
Experian marked my dispute complete, but the accounts are still pending. This violates my rights under the FCRA.

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 2025-07-06 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: TX

Complaint narrative:
XX/XX/XXXX is reporting twice on my credit report. it is the same account that is lowering my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
I am a victim of identity theft. My XXXX  credit report contains several accounts and hard inquiries that I did not authorize or open. I submitted a formal dispute along with a police report filed with the XXXX XXXX XXXX XXXX and demanded the immediate blocking of fraudulent information under FCRA 605B.

Despite providing all documentation, XXXX  has failed to fully block or delete the following :

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 2025-07-06 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: FL

Complaint narrative:
I am a victim of identity theft. My Equifax credit report contains several accounts and hard inquiries that I did not authorize or open. I submitted a formal dispute along with a police report filed with the XXXX XXXX XXXX XXXX and demanded the immediate blocking of fraudulent information under FCRA 605B. 

Despite providing all documentation, Equifax has failed to fully block or delete the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-06 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: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: CO

Complaint narrative:
b'XXXX Did not fix or remove debt \n\n\nRequest for Deletion of Harmful Negative Items under FCRA Section 605(b)  Vulnerable Consumer\n\n\nTo Whom It May Concern\nI am writing to formally request the deletion of specific negative items from my credit report pursuant to Section 605(b) of the Fair Credit Reporting Act (15 U.S. Code  1681c). This section provides that negative information may not be reported if it causes harm to a consumer identified as vulnerable.\nI qualify as a vulnerable consumer under the law, as I am currently receiving public assistance through the following program(s): SNAP (Supplemental Nutrition Assistance Program) SSI (Supplemental Security Income) WIC (Women, Infants, and Children) Medicaid Section 8 Housing Assistance\n\nSOURCE RECEIVABLES MANAGEMENT \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / rental / Negative Mark (open, collection .)]\nI respectfully request that you conduct a reinvestigation of these items in accordance with the FCRA and, given the undue harm being caused and my verified status as a vulnerable consumer, proceed with deletion of these harmful items under Section 605(b).\nEnclosed Documentation:\n* Proof of public assistance (e.g., benefit statement, award letter, eligibility notice)\n* Copy of my credit report with highlighted negative items\n* Government-issued ID\n* Proof of address\nPlease complete this reinvestigation within the 30-day time frame required by law. I appreciate your prompt attention to this matter and look forward to confirmation of the deletions.\nSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
COLLECTION ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Original creditor : XXXX XXXX COLLECTION ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Original creditor- Security Finance of Texas Subject : Demand for Debt Validation showing physical documentation not verbal wording that it was validated as my debt and remove immediately inaccurate accounts and/or inaccurate accounts that you have not provided physical validation of this debt as mine Immediate Compliance Required To Whom it may concern, I submitted through the CFPB complaints on Exquifax, Experian, and Transunion more than once concerning a unresolved issue with these companies and the reply I recieved through CFPB stated by these credit bureaus they validated it as my debt but there is no physical attachment through cfpb or by mail received showing how did they validate this debt as mine.

I did not receive documents nor a attachment through CFPB showing proof of ownership or assignment of the debt. 2. Signed/ wet signature of agreement proving my liability. XXXX. Full purchase agreement, account history, including charges, fees, and payments. 
If Equifax, Experian, Transunion, XXXX XXXX XXXX, nor XXXX XXXX XXXX can not provide those documents these collections should be removed as soon as possible according to 15 U.S.C. 1692 ( C ), 15 U.S.C 1692g ( b ) ( FDCPA ), 15 U.S.C 1681s-2 ( FCRA ), 15 U.S.C 1681s-2 ( b ), and 12 CFR 1006.34 ( c ).

Company response to consumer: Closed with non-monetary relief