vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-27 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: WI

Complaint narrative:
I am disputing inaccurate information on my Experian credit report in violation of the Fair Credit Reporting Act ( FCRA 611 ). Several accounts are not mine or are reporting incorrect balances and late payments, including Diversified Adjustment, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Experian is also reporting outdated personal information. 

Under FCRA, Experian must conduct a reasonable reinvestigation, delete unverifiable items, and provide the Method of Verification ( 611 ( a ) ( 6 ) ( B ) ( iii ) ) if any item is verified. I am requesting immediate deletion of inaccurate accounts, correction of personal information, and a corrected 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 2025-09-28 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: DE

Complaint narrative:
I am writing this complaint to addresses inaccurate information discovered in my credit report by the three major credit agencies ( Transunion, Experian, Equifax ). Enclosed, you will find documentation verifying my current address, following the guidelines outlined on your website. I am formally requesting the prompt blocking and/or removal of all information stemming from a Data Breach, as mandated by FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which requires such personal data to be removed within 5 Business Days upon receipt. 
To streamline the deletion process, I have provided a list below of the incorrect addresses I wish to have removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report should reflect only one accurate address, which is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Furthermore, I have noted an incorrect spelling of my name on my credit report. It is imperative that my name is accurately represented without any variations. I have enclosed my photo ID to confirm the correct spelling. 

My correct name is as follows : XXXX XXXX XXXX Incorrect Employers, please delete : XXXX XXXX XXXX XXXX XXXX Upon the removal of the inaccurate names, addresses, and employer information from my credit report, I kindly request an updated copy be sent to the provided address. Per the law, there should be no charge for this updated report. Furthermore, I ask that notices of corrections be issued to anyone who received my credit report within the past six months. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-09-28 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: IN

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
I ordered a phone during a XXXX Friday promotion approximately 12 years ago, but I never received the phone. Despite not receiving the order, I began receiving debt collection notices regarding an account with XXXX XXXX XXXX XXXX for {$1100.00}, now being pursued by Sunrise Credit Services. 

I contacted XXXX XXXX XXXX multiple times by phone and spent hours on hold or speaking with representatives, but I was not provided a resolution. I was told to submit a written dispute, which I did, and the debt collection letters stopped temporarily. However, I recently received another collection notice from Sunrise Credit Services for the same disputed debt. 

I do not have saved emails or documentation from my original dispute, but I have consistently disputed this debt and explained that I never received the phone. This ongoing collection activity is causing significant stress, as the issue remains unresolved

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 2025-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have a small business XXXX XXXX account with CapitalOne. Recently on XX/XX/scrub>XXXX  there has been an unauthorized debit in the amount of {$10000.00}. I noticed this 5 days after the incident on XX/XX/year>. When I called and disputed the debit with CapitalOne, they didn't do anything. They opened a claim and denied it the next day saying that I didn't call them within 24hrs. I told them, I have never authorized this merchant to debit my account and have no business relationship with them. This has been a shocking experience to me. I felt there is no protection for keeping the funds in your banking account. Anybody can come in and take it away! I am not sure why bank didn't flag it as a suspicious transaction and contact me. I don't think, I ever sent ACH debit from my account to anyone but myself, XXXX and XXXX. This is easy to detect as a suspicious transaction. Basically my money got stolen and bank helped thief take the money away. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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:
I found an inaccurate negative item on my credit report. I contacted Transunion and Experian, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). Please remove this unverifiable item.

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 2025-09-28 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: GA

Complaint narrative:
On XX/XX/year>, I discovered unauthorized activity on my credit consumer reports account. I contacted the companies to dispute the items, but the issue has not been resolved. I did not authorize thesee transaction and should not be held responsible.

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 2025-09-28 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: GA

Complaint narrative:
On XX/XX/year>, I discovered unauthorized activity on my credit consumer reports account. I contacted the companies to dispute the items, but the issue has not been resolved. I did not authorize thesee transaction and should not be held responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act, this collection has NOT provided the PURCHASE AGREEMENT for the debt they are trying to collect on. 
1. They are using an intimidation tactic to make me pay a debt that has NOT been validated with my signature that proves that the debt is mine. An invoice for a debt doesnt mean the debt is mine.

This is a federal complaint that they are blatantly violating the law. There should be NO entries of the above account on any of my credit reports, XXXX XXXX XXXX XXXX XXXX etc. 
I am consulting with a consumer law attorney to explore my options regarding defamation of character and improper credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: DE

Complaint narrative:
I am writing this complaint to addresses inaccurate information discovered in my credit report by the three major credit agencies ( Transunion, Experian, Equifax ). Enclosed, you will find documentation verifying my current address, following the guidelines outlined on your website. I am formally requesting the prompt blocking and/or removal of all information stemming from a Data Breach, as mandated by FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which requires such personal data to be removed within 5 Business Days upon receipt. 
To streamline the deletion process, I have provided a list below of the incorrect addresses I wish to have removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report should reflect only one accurate address, which is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Furthermore, I have noted an incorrect spelling of my name on my credit report. It is imperative that my name is accurately represented without any variations. I have enclosed my photo ID to confirm the correct spelling. 

My correct name is as follows : XXXX XXXX XXXX Incorrect Employers, please delete : XXXX XXXX XXXX XXXX XXXX Upon the removal of the inaccurate names, addresses, and employer information from my credit report, I kindly request an updated copy be sent to the provided address. Per the law, there should be no charge for this updated report. Furthermore, I ask that notices of corrections be issued to anyone who received my credit report within the past six months. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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: DE

Complaint narrative:
I am writing this complaint to addresses inaccurate information discovered in my credit report by the three major credit agencies ( Transunion, Experian, Equifax ). Enclosed, you will find documentation verifying my current address, following the guidelines outlined on your website. I am formally requesting the prompt blocking and/or removal of all information stemming from a Data Breach, as mandated by FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which requires such personal data to be removed within 5 Business Days upon receipt. 
To streamline the deletion process, I have provided a list below of the incorrect addresses I wish to have removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My credit report should reflect only one accurate address, which is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Furthermore, I have noted an incorrect spelling of my name on my credit report. It is imperative that my name is accurately represented without any variations. I have enclosed my photo ID to confirm the correct spelling. 

My correct name is as follows : XXXX XXXX XXXX Incorrect Employers, please delete : XXXX XXXX XXXX XXXX XXXX Upon the removal of the inaccurate names, addresses, and employer information from my credit report, I kindly request an updated copy be sent to the provided address. Per the law, there should be no charge for this updated report. Furthermore, I ask that notices of corrections be issued to anyone who received my credit report within the past six months. Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-09-27 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting by XXXX XXXX, and TransUnion. On or about XX/XX/year>, I disputed errors on my credit report after my score suddenly dropped by XXXX points. The reason given by the credit bureaus was that I allegedly had late payments. However, after directly contacting my creditors, including XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, I confirmed in writing and by phone that all my payments were made on time. My creditors verified that they had no reason to report my accounts as late. 

Despite this confirmation, the three credit bureaus have failed to correct the false information and have not resorted the XXXX points that were wrongly deducted. This inaction has harmed my creditworthiness and XXXX negatively affect my ability to obtain credit, housing, or fair interest rates. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter, compel the credit bureaus to remove the inaccurate information, restore the points deducted in error, and provide written confirmation of correction.

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 2025-09-28 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: TX

Complaint narrative:
I have reviewed my credit profile and noticed collections that I have not given written instruction to third party to report to my file. According to the FCRA this is in violation of 15 USC 1681B- Permissible Purpose. Please understand that no consent is identity theft. I am demanding these accounts be removed within 2 days. 
XXXXXXXX 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 2025-09-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
It seems as though I have to contact Santander every month because I get a bill saying my payment is due on the second of the upcoming month when generally my payments are made three months in advance at which point I call them and ask them to go through my payment history to show them that I have made advance payments, which they told me I was allowed to up to three months however they keep applying them to the principal rather than to the calendar months in the future. If I make a lump sum payment, I notate it on a cashiers check or a money order to be applied to the to the principal, but they ignore all of that and they always apply towards the principal the last time I asked to speak to a manager he said he couldnt provide me a history of payments and he would not work with me on my payments that I show in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XX/XX/year> this company is violating my rights they have not give me validtion information underXXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX yet the put a collection on my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I went and disputed fraudulent accounts on my credit report, I never got a proper investigation. These accounts are negatively impacting me by still being on my report. The only thing that I received was a letter stating that I didn't provide enough information for them to do an investigation. I will upload everything that I sent to all three credit bureaus. The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The credit bureaus violate 15 USC 1681i and 15 USC 1681 ( e ) ( b ) by not looking into my dispute and investigating like they should.

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 2025-09-28 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: MO

Complaint narrative:
This letter is to inform you that I recently received your response to my XXXX XXXX disputes provided to me by mail. You also failed to provide me with any supporting documentation or contact names used to investigate my dispute. You are legally obligated to provide me with all supporting documentation used to make your determination. 
I am demanding that Equifax send me a copy of all the documents that you have in your files as of this date that you used to verify the accuracy of the attached XXXX Inquiries. I am Under the Fair reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified, send me copies of the documents that you have in your files that were used to verify the XXXX Inquiries. 
If you do not have any documentation in your files to verify the XXXX Inquiries, and accuracy of this disputed XXXX Inquiries, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15U.S.C. 1681i, all unverified accounts information must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt. Of this letter then you must remove the XXXX Inquiries from my credit report. 
Please provide me with a copy of an update and correct credit report showing this item has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
No information provided nor was the information corrected on the account

Company response to consumer: Closed with explanation