vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS : XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$3600.00} MOMNT - Account Number : XXXX * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$5600.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-09 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:
XXXX XXXX - I was never late on this account, please remove late payment history.

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 2025-07-09 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: IL

Complaint narrative:
I am a victim of identity theft and have filed an official Identity Theft Report with the Federal Trade Commission under Report Number XXXX. I reviewed my credit report on XX/XX/year>, and discovered one unauthorized account and two fraudulent hard inquiries that do not belong to me and were made without my knowledge or consent. 

Fraudulent Account : Creditor : XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/year> Balance : {$1900.00} Fraudulent Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> These items are damaging my credit and were not authorized by me. I am requesting immediate removal under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c-2 which entitles identity theft victims to block fraudulent accounts and inquiries from their credit file 15 U.S.C. 1681i which requires reinvestigation and deletion of unverifiable or inaccurate information

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request that all dispute comments and dispute-related remarks that have been placed on my credit file over the past 24 months be removed immediately. 

This request applies to all accounts with dispute comments, including but not limited to the following credit reporting agencies : Experian TransUnion Equifax Please update my credit report by removing any dispute notations associated with these accounts, as I no longer wish to have any disputes reflected in my file at this time. This is to ensure that no future dispute I submit is marked as frivolous or duplicate. 

This request is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Please confirm once the removal has been completed, and provide me with updated copies of my credit report. 

Thank you for your assistance.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request that all dispute comments and dispute-related remarks that have been placed on my credit file over the past 24 months be removed immediately. 

This request applies to all accounts with dispute comments, including but not limited to the following credit reporting agencies : Experian TransUnion Equifax Please update my credit report by removing any dispute notations associated with these accounts, as I no longer wish to have any disputes reflected in my file at this time. This is to ensure that no future dispute I submit is marked as frivolous or duplicate. 

This request is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Please confirm once the removal has been completed, and provide me with updated copies of my credit report. 

Thank you for your assistance.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request that all dispute comments and dispute-related remarks that have been placed on my credit file over the past 24 months be removed immediately. 

This request applies to all accounts with dispute comments, including but not limited to the following credit reporting agencies : Experian TransUnion Equifax Please update my credit report by removing any dispute notations associated with these accounts, as I no longer wish to have any disputes reflected in my file at this time. This is to ensure that no future dispute I submit is marked as frivolous or duplicate. 

This request is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Please confirm once the removal has been completed, and provide me with updated copies of my credit report. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I am writing to formally dispute a late payment that has been incorrectly reported on my credit file. I have always taken my financial obligations seriously and have consistently made on-time payments. The entry in question is not only inaccurate but is unfairly harming my credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed this account with XXXX XXXX and after sending proof of inaccurate reporting violating my rights for almost 6 years all they did was update it now I have called them several times requesting a 1099c since they are reporting it as a charge off and they have failed to provide it. Then I was told that because it's a charge off I'm not automatically excused from the debt. I replied if you are reporting it as a charge off then a 1099c would be income and income doesn't get reported on a credit report so my requests have been ignored

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have disputed this account with XXXX XXXX and after sending proof of inaccurate reporting violating my rights for almost 6 years all they did was update it now I have called them several times requesting a 1099c since they are reporting it as a charge off and they have failed to provide it. Then I was told that because it's a charge off I'm not automatically excused from the debt. I replied if you are reporting it as a charge off then a 1099c would be income and income doesn't get reported on a credit report so my requests have been ignored

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed this account with XXXX XXXX and after sending proof of inaccurate reporting violating my rights for almost 6 years all they did was update it now I have called them several times requesting a 1099c since they are reporting it as a charge off and they have failed to provide it. Then I was told that because it's a charge off I'm not automatically excused from the debt. I replied if you are reporting it as a charge off then a 1099c would be income and income doesn't get reported on a credit report so my requests have been ignored

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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 am requesting the immediate correction of an inaccurately reported late payment currently affecting my credit report. I have maintained a clean payment history and have always ensured that my obligations were fulfilled on time. This late payment entry is a mistake that must be addressed 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 2025-07-09 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: MD

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent in a previous message on this site ( cfpb ) to ask for your help with two things. I wanted a paper copy of my credit report, and for you to help try to fix a hard pull that i received, but you ended up helping me with neither one though. I'm going to assume that you simply forgot to send me my credit report because you were too focused on the hard pull i received, so I'm sending in another message to ask for 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 explanation
Consumer complaint received 2025-07-09 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:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-09 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: GA

Complaint narrative:
I am a vitcim of identity theft. There are 2 credit card accounts on my 3 credit reporting agencies and 2 inquiries which are listed on the ftc report that i didnt give anyone permission or authorization to open these acocunts.

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 2025-07-09 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: KY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercedes Benz Financial Services
State: MS

Complaint narrative:
Debt collection is charging me & the account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: DE

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies.

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who XXXX XXXX XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Date : XXXX XXXX To : CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX : ( XXXX ) XXXX Re : Notice of Dispute Original Creditor : XXXX XXXX XXXX XXXX 

To Whom It May Concern, This letter serves as my formal dispute and demand for immediate deletion of the above-referenced account from my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and all applicable federal and state laws. 

Upon review of my credit report, I found the collection account you are reporting to be incomplete, inaccurate, and legally unverifiable for the following reasons : No documentation has been provided to validate this debt, including a full itemization of the alleged balance and the original contract bearing my signature, as required by 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). 

The account is marked as a collection with a paid-off balance of {$0.00}, yet the status continues to reflect " {$700.00} past due '', which is materially misleading and constitutes an inaccurate representation under FCRA 623 ( 15 U.S.C. 1681s-2 ).

The original date of delinquency is not clearly reported, which violates the requirement for accurate and complete reporting under FCRA 605 ( c ).

You have failed to provide a complete payment history or consumer statement, further rendering the information incomplete and unverifiable as defined under FCRA 611 ( a ) ( 1 ) ( A ). 

As a result, I am demanding that you : Immediately delete this collection account from all credit reporting agencies ( XXXX XXXX XXXX ) under your duty to furnish only accurate and verifiable information per FCRA 623. 

Cease and desist all collection activities until you can provide full and proper validation of this alleged debt, including the original agreement and a breakdown of all charges and payments. 

Provide a detailed explanation of your method of verification under FCRA 611 ( a ) ( 7 ) within the statutory 30-day timeframe.

Failure to fully comply with my request will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I also reserve the right to seek monetary damages for any willful or negligent violations under FCRA 616 and 617. 

This letter is not a refusal to pay but a notice that your claim is disputed. If you can not validate this account with legally sufficient documentation, you are required by law to delete it from all consumer credit files. 

Please send all responses in writing to the address listed above. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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