vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit file. Upon reviewing my credit report, I noticed that an account is being reported with XXXX late payments. I would like to clarify that this account has been paid on time, and the reported late payments are incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, consumer reporting agencies are required to conduct a reasonable investigation of disputed information and must remove or correct any inaccurate, incomplete, or unverifiable data. The reporting of late payments on this account is a clear inaccuracy and does not reflect my payment history. 

I have attached a copy of my credit report with the incorrect entries clearly highlighted. The discrepancies occurred on the following dates : XX/XX/year> I can confirm that during these periods, all payments were made on time. 

I respectfully request that you investigate this matter in compliance with the FCRA and update the payment history on this account to accurately reflect on-time payments. Please provide written confirmation once the corrections have been made. 

Thank you for your attention to this matter and for your prompt action to resolve it. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Credit Bureau Name [ XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Duplicate Collection Entry Account Numbers : XXXX & XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of information reported on my credit file. Upon reviewing my credit report, I noticed two collection accounts with the same balance of {$650.00} : Account # XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) Account # XXXX ( Original Creditor : XXXX XXXX XXXX Collection Agency : LVNV Funding LLC ) These accounts appear to reflect the same debt, but they are being reported separately under different account numbers and original creditors. I believe this is a duplicate entry, which may be misleading and negatively affecting my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. I respectfully request that your bureau : 1. Investigate this matter ; 2. Delete or correct any duplicate reporting of the debt ; 3. Provide written confirmation of the outcome of your investigation.

I have enclosed a copy of my credit report highlighting the disputed entries, as well as identification documents for verification.

Please complete your investigation and respond within the 30-day period as mandated by the FCRA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
I am submitting this complaint due to severe, ongoing violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance standards by multiple data furnishers and credit reporting agencies, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX 
Department of Education XXXX XXXX XXXX / XXXX Key Violations Include : 1. Illegal Re-Aging of Student Loan Accounts Accounts over 7 years old ( opened in XXXX and XXXX ) are being re-aged and reported as current, violating FCRA 605 ( a ). 
Conflicting account statuses such as open, closed, deferred, or paid are being simultaneously reported across all three bureaus. 
2. Charge-Offs with Active Balances & IRS 1099C Violations Accounts like XXXX XXXX were charged off yet still reflect a large balance and " profit/loss '' write-off without providing a 1099-C. This not only violates FCRA 1681e ( b ) and Metro 2 but also raises potential IRS fraud concerns.

3. False Eviction Reporting XXXX XXXX XXXX reported an eviction account after court documentation clearly stated it was not to be furnished. Additionally, they falsely inflated the balance by including an extra month of rent. This is a direct violation of : FCRA 1681 FCRA 1681s-2 ( a ) ( 3 ) FCRA 1681e ( b ) FDCPA Retaliation and Misrepresentation Laws 4. Metro 2 and FCRA Discrepancies Across All Reports There are mismatched addresses, payment histories, and account types reported by the same furnishers across different bureaus. For instance, XXXX and XXXXXXXX XXXX are reported as open, closed, secured card, and collection depending on which bureau you look atcreating confusion and negatively impacting my credit profile. 
5. Lack of Verification and Proof of Ownership None of the furnishers have provided any documentation to validate these accounts as required under FCRA 609 ( a ) ( 1 ) and FCRA 604.

6. Failure of the Credit Bureaus to Properly Investigate Despite being previously disputed, the credit reporting agencies have failed to conduct a reasonable investigation, in direct violation of FCRA 1681i ( a ) and the CFPB 's guidelines on dispute handling.

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 2025-04-24 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:
I discovered a number of errors and unapproved accounts and information reporting to my credit report after recently obtaining a copy of it. My life and credit health have suffered because of these Factors.

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 2025-04-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding Experians refusal to remove multiple unauthorized hard inquiries from my credit report, which are a direct result of identity theft. 

I have already filed an identity theft report with the FTC and submitted a police report. I also contacted the original creditors associated with these inquiries. Despite providing this documentation to Experian and following the proper dispute procedures under the Fair Credit Reporting Act ( FCRA ), Experian has refused to remove these inquiries. 

According to the FCRA, consumers have the right to have any unverified or unauthorized information removed from their credit reports, especially in cases of identity theft. XXXX response is unacceptable and is causing damage to my credit profile through no fault of my own. 

I am requesting the CFPB to investigate this matter and ensure that Experian complies with federal law and removes the unauthorized hard inquiries from my credit report immediately. 

Thank you for your attention to this matter. 

XXXX : I will attach the information that verified what I am saying and the hard inquiries that I did not authorize to be DELETED from my account IMMEDIATE!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: FL

Complaint narrative:
I am submitting this complaint regarding Experians refusal to remove multiple unauthorized hard inquiries from my credit report, which are a direct result of identity theft. 

I have already filed an identity theft report with the FTC and submitted a police report. I also contacted the original creditors associated with these inquiries. Despite providing this documentation to Experian and following the proper dispute procedures under the Fair Credit Reporting Act ( FCRA ), Experian has refused to remove these inquiries. 

According to the FCRA, consumers have the right to have any unverified or unauthorized information removed from their credit reports, especially in cases of identity theft. XXXX response is unacceptable and is causing damage to my credit profile through no fault of my own. 

I am requesting the CFPB to investigate this matter and ensure that Experian complies with federal law and removes the unauthorized hard inquiries from my credit report immediately. 

Thank you for your attention to this matter. 

XXXX : I will attach the information that verified what I am saying and the hard inquiries that I did not authorize to be DELETED from my account IMMEDIATE!

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 2025-04-24 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: GA

Complaint narrative:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. 

I believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach. 

Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience. 

Thank you for your assistance. 


Account Name : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Unverified account

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 2025-04-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Someone use my social security number and obtain an account with XXXX XXXX XXXX without my knowledge. I have reached out to the company to let them know it's not mines. I have filed a police report and have sent it in to XXXX  and to the credit collection at the time. it was removed but it keeps appearing on my report under different XXXX XXXX  companies names. I have reported everything as fraud. I don't know what else to do about this situation. The new collection company is Radius Global Solutions

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 2025-04-24 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: GA

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. The account im referring to is my XXXX XXXX XXXX account in the Auto Loan section.I have one late payment on my EQUIFAX credit report that is reporting late but it was in fact indeed paid on time. The consumer reporting agencies must report all information within complete accuracy. This account has not been late on payments and Ive attached a copy of my credit report to this complaint that explains the mistake in further detail which was made ONLY on my EQUIFAX credit report on the date of XXXX XXXX 2023. I am now requesting that you investigate this issue and update this single payment to paid on time immediately for the date of XXXX XXXX 2023. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: GA

Complaint narrative:
I recently received my credit report and noticed an account that was not reporting accurately. The account im referring to is my XXXX XXXX XXXX account in the Auto Loan section.I have one late payment on my EQUIFAX credit report that is reporting late but it was in fact indeed paid on time. The consumer reporting agencies must report all information within complete accuracy. This account has not been late on payments and Ive attached a copy of my credit report to this complaint that explains the mistake in further detail which was made ONLY on my EQUIFAX credit report on the date of XXXX XXXX 2023. I am now requesting that you investigate this issue and update this single payment to paid on time immediately for the date of XXXX XXXX 2023. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
Told them to stop harassing my wife & I, called all hrs. Would change phone numbers and would make unknown. Would talk very rude. I am XXXX XXXX and I don't deserve the disrespect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: PA

Complaint narrative:
I just saw an unauthorized inquiry on my credit report this morning and Im honestly furious. I had no clue this would be thereI check my report often, and this came out of nowhere. Even after refreshing the browser, it didnt disappear, which shows this is not just a technical glitch. Im demanding that the documents I submitted be reviewed urgently so I can stop stressing over this.

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 2025-04-24 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-24 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: VI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2025-04-25 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: PA

Complaint narrative:
Please take immediate action to block and delete these unauthorized accounts from my credit report. I have no knowledge of them and never approved their creation. In line with XXXX XXXX, I formally request their removal within XXXX days. Enclosed are all relevant documents. There are discrepancies in how the account details appear across different bureaus, which further supports this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Company filed a lawsuit against me for $ XXXX, when contacted to ask for proof of debt and negotiate with them they were rude and disrespectful, not at all helpful nor understanding. I read online that sending them money would get them to talk since that's all they are looking for, I asked for a copy of the remaining balance and for proof again. No response was ever given back, no way of looking it up online either. After noticing that they still cashed in the checks sent, and no response was ever given I stopped sending payments. Now they are going through my job to get it taken from my income, they yet have NOT reached out nor have they given the documents to prove that a debt from what they claim is due. No dates, no transactions nor is the name on the documents correct. This company is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
I am filing this complaint concerning a collection account that is inaccurately and inconsistently reported on my credit file by the XXXX XXXX XXXX XXXX. Specifically, the date opened and date of last activity for the same account vary across Experian, TransUnion, and Equifax. These discrepancies materially affect how the account is interpreted and may unfairly extend the duration this negative item remains on my credit report. 

The account XXXX XXXX XXXXXXXX has not been properly verified or consistently reported, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Inaccuracies in key dates materially skew my creditworthiness and reporting history and undermine the integrity of the credit reporting system.

Additionally, I have also attached documentation showing inaccurate and inconsistent reporting of late payments across the credit bureaus for this same account. These discrepancies further violate the FCRA, 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to reinvestigate any disputed information and remove or correct it if it can not be verified as accurate. Inaccurate late payment data has a significant impact on my credit score and must be corrected or deleted immediately in accordance with federal law.

Thank you for your assistance in protecting consumer rights and holding credit reporting agencies accountable to the standards required under federal law.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In early XXXX, I submitted multiple formal disputes to Experian regarding two alleged 30-day late payments reported in XXXX and XX/XX/XXXX on a XXXX XXXX XXXX XXXX credit card. Despite these disputes, Experian returned the status as " Remains '' without providing legally required supporting documentation. 

Experian failed to conduct a lawful reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ), did not supply billing records or payment ledgers, and did not show proof that I was notified of delinquency. These failures violate FCRA 611, 623, and 607, the Truth in Lending Act ( TILA 1637 ), and the Consumer Financial Protection Act ( CFPA 5531 ).

I also submitted a formal request for verification from Experian but received no documentation. I am concerned Experian may have relied solely on automated methods ( e-OSCAR ) rather than contacting the furnisher directly as required by law. This constitutes willful noncompliance, subject to damages under FCRA 616 and 617.

I am requesting the FTC to take regulatory action and ensure Experian complies with federal requirements for credit dispute processing and consumer protection.

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 2025-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: TN

Complaint narrative:
It is a text scam to our phone number XXXX not a real collection. I do not have any debts. I will not open the text to see what they say. All I can read is as follows ; This is Unifin, a debt collector. Contact us about ref # XXXX @ XXXX.

Company response to consumer: Closed with explanation