vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: MI

Complaint narrative:
I am disputing two fraudulent collection accounts and several unauthorized inquiries appearing on my Experian credit report. The accounts XXXX XXXX XXXX XXXX ( {$3700.00}, opened XX/XX/year> ) and XXXX XXXX ( {$710.00}, opened XX/XX/year> ) are not mine and appear to be the result of identity theft. There are also unauthorized inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX. I have already filed an online dispute with Experian and will submit an Identity Theft Report. Experian has previously been accused by the CFPB of sham investigations and was involved in prior data breaches, which makes their failure to safeguard my information even more concerning. I am requesting that Experian conduct a thorough investigation, delete these items if they can not be verified with proper documentation, and confirm the corrections to me in writing.

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 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I am submitting this complaint because XXXX inaccurately reported and mishandled my account, even after I paid the full balance to the third-party collection agency they used. They also repeatedly told me the wrong balance. 

XXXX placed my account with a collection agency, which I paid in full. After making the payment, I contacted XXXX and the collection agency to request a " pay for delete '' or to update the credit reporting accurately. XXXX told me the matter was being handled internally, and that no further action was needed on my part. 

However, despite the account being paid, XXXX continued to report it as a XXXX XXXX XXXX XXXX XXXX  on my credit report * * for multiple months * *, rather than reporting it as a one-time charge-off. This has caused prolonged and repeated negative impacts on my credit score, which is incorrect and unfair. 

Additionally, the account is still showing as unpaid or in collections, even though I have documentation proving I paid the third-party agency XXXX used for collections. XXXX has refused to correct the reporting or remove the account, even though the debt is resolved. 

This is a violation of the * * Fair Credit Reporting Act ( FCRA ) * *, and possibly the * * Fair Debt Collection Practices Act ( FDCPA ) * *, as the reporting is inaccurate and misleading. I am requesting that the CFPB investigate this matter and that XXXX update or delete the negative tradeline from my credit report as appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: OK

Complaint narrative:
I am writing to formally dispute certain information in my credit file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which guarantees consumers the right to dispute inaccurate or incomplete information and requires credit reporting agencies to investigate and correct errors in a timely manner.

The following item ( s ) on my credit report are inaccurate or incomplete : I C SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Inaccuracy : This account is not mine, The balance is reported incorrectly, or This account is showing late payments that were never late.

I am requesting that this item be investigated and corrected or removed as required by 15 U.S.C. 1681i ( Section 611 of the FCRA ).

Please conduct a reinvestigation of this matter and provide me with written confirmation of the results.

Under the FCRA, you are required to complete your reinvestigation within 30 days of receiving this letter. If your investigation finds the disputed information is inaccurate, incomplete, or unverifiable, you must promptly delete or correct the information in my credit file.

Please also send me a free copy of my updated credit report once your reinvestigation is complete, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ). 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-09-15 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: MD

Complaint narrative:
I am writing to dispute inaccurate information that is being reported on my Experian credit file. 
Please investigate the account below, as it contains errors that must be corrected : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has been reported with a 30-day late payment, which is inaccurate. My records confirm that payments have been made on time and the account is being paid as agreed. 
Reporting a late payment when none occurred is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies maintain only accurate and verifiable 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 2025-09-15 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: NV

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off in different months and payment history has changed. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. I am demanding deletion of the following account Account XXXX - XXXX XXXX and account number is 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 2025-09-15 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: NV

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. This account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off in different months and payment history has changed. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. I am demanding deletion of the following account Account XXXX - XXXX XXXX and account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/year> SSN : XXXX Date : EXPERIAN, TRANSUNION, EQUIFAX ________________________________________ To Whom It May Concern : I am writing to request a credit freeze ( also known as a security freeze ) be placed on my credit file. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Please take the necessary steps to ensure that no creditor, lender, or third party may access my credit file without my direct authorization.

________________________________________ Personal Information for Verification : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX ________________________________________ Required Action : 1. Place a credit freeze on my file immediately.

2. Send written confirmation that the freeze has been applied, including instructions for how I may temporarily lift or permanently remove the freeze if needed in the future.

________________________________________ Notice : Failure to comply with this request may result in enforcement action through the Consumer Financial Protection Bureau ( CFPB ) or my State Attorney Generals Office.

Thank you for your prompt attention to this matter. 
________________________________________ Sincerely, 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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/year> SSN : XXXX Date : EXPERIAN, TRANSUNION, EQUIFAX ________________________________________ To Whom It May Concern : I am writing to request a credit freeze ( also known as a security freeze ) be placed on my credit file. This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Please take the necessary steps to ensure that no creditor, lender, or third party may access my credit file without my direct authorization.

________________________________________ Personal Information for Verification : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX ________________________________________ Required Action : 1. Place a credit freeze on my file immediately.

2. Send written confirmation that the freeze has been applied, including instructions for how I may temporarily lift or permanently remove the freeze if needed in the future.

________________________________________ Notice : Failure to comply with this request may result in enforcement action through the Consumer Financial Protection Bureau ( CFPB ) or my State Attorney Generals Office.

Thank you for your prompt attention to this matter. 
________________________________________ Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/scrub> 2023 2023

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 2025-09-15 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: FL

Complaint narrative:
b'I am writing this complaint to the Consumer Financial Protection Bureau (CFPB) because my credit report from Experian shows many credit checks that I did not ask for. I am a victim of identity theft. Someone else used my personal information without my permission, and now my credit report is full of mistakes. \nWhat Happened \nI checked my credit report and saw that many banks and companies looked at my credit, but I never gave them permission. I dont know these companies, and I never asked them for credit. This means someone else is pretending to be me. \nMy Identity Theft Report \nI already filed an identity theft report with the FTC/police. The law (15 U.S.C. 1681c-2) says that the credit bureaus must block and remove information that comes from identity theft within 4 days after I give them proof. \nThe Laws They Broke \n 15 U.S.C. 1681b(c): Nobody is allowed to check my credit unless I say yes or if there is a real reason. These checks were done without me. \n 15 U.S.C. 1681c-1(a)(2): I have a fraud alert on my file. Companies should double-check before giving credit. They didnt. \n 15 U.S.C. 1681c-2: Credit bureaus must block bad info caused by identity theft. They didnt. \n 15 U.S.C. 1681i(a)(1)(A): Credit bureaus must check again when I tell them something is wrong. They failed to do this. \nUnauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: KY

Complaint narrative:
I disputed late payments off my consumer report, I used Metro 2 compliance and 15 USC 1681 violating Metro 2 no conflict rule and USC 15 1681 FCRA accuracy rule. information was not complete/verifiable and told them to delete the late payments and numerous times they did not delete

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 2025-09-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was a victim of ID theft and now I am blocked out of all my credit reports. MY current address is XXXX XXXX XXXX XXXX OHIO XXXX. I would like to request a new report from Trans Unions, Experian and Equifax. 
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 2025-09-15 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:
Equifax, so many certified mail return receipts have gone out to them, and they never correct my report, and will send me a letter or postcard stating to resend the same information I have just sent out. The last Certified Letter sent to correct my report was on XX/XX/year>. Have not responded to my request to correct the old address I do not stay at anymore. continue to show Charge off account when a 1099 was never sent out to me, they took the credit with the IRS, and that is considered fraud. A discharged debt can not be late, ever. XXXX reported late, and Charge Off after bankruptcy, and contacted me after the XXXX. I requested that Equifax also delete this wrong information from my credit report. 

Trans Union, unable to get a credit report I have been blocked or suspended for years on their websites, even though I had an account with them after the data breach and identity theft, always had to call in, wait for hours to speak to a customer service representative, and that last contact was on XX/XX/year>, and even after given my DL SS information and doing a face recognition with customer service person she stated they could not identify me, later sent out a letter on stating my identity was compromised in their system but I could never get into my account to see this and after disputing my report by certified mail so many times never received a response from them. 

Experian continues to report old addresses and refuses to remove them or update my present address, which is not on my DL, but everything else. Will not correct the report, just update the same information. Even after sending a demand letter by certified mail for correction. All companies have passed the 90 days to send out my re-investigation dispute for correction to my reports.

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 2025-09-14 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: U.S. BANCORP
State: CA

Complaint narrative:
This is a supplemental complaint continuing CFPB Case # XXXX. 
On XX/XX/year>, XXXX XXXX was forced to leave the XXXX XXXX XXXX due to toxic water conditions that rendered the premises uninhabitable. She became severely ill as a result. Because XXXX failed to provide safe, usable lodging, the transaction was not delivered as agreed and the charge should have been reversed. 
Despite this, U.S. Bank reversed {$2500.00} of the disputed amount on XX/XX/year> without conducting a reasonable investigation, in violation of Regulation E ( 12 CFR 1005.11 ).

No evidence was reviewed : U.S. Bank never requested or reviewed the substantial evidence we offered ( photographic/video proof, medical records, witness statements, correspondence with XXXX ) XXXX 
Failure to provide documents : U.S. Bank has not provided copies of the written findings or documentation it relied on, as required by Reg E. 
Late and incomplete decision : Their XX/XX/year> letters arrived weeks after the reversal, preventing consumer participation. 
Under Reg E, when services are not delivered as agreed and the institution can not prove the transaction was valid, the bank must recredit the account. U.S. Bank has not done so. 
This case is also under review with the OCC ( Case # XXXX ) and is being referred to the California Attorney General for further action. The harm to the consumer is ongoing. 
In addition, XXXX XXXX was subjected to retaliatory treatment at the U.S. Bank branch located in XXXX XXXX, California. 
On XX/XX/year>, she attempted to obtain a cashiers check. Although her drivers license had expired, she presented both a current U.S. Passport and a county-issued school district ID card identifying her as a tenured public-school teacher. These are valid forms of identification under federal banking rules. 
Despite this, the branch manager, XXXX XXXX ( NMLS # XXXX ), refused to process the transaction and laughed at XXXX when she mentioned her pending dispute with XXXX and the open case against U.S. Bank. 
This treatment appears to be retaliation for exercising her rights under Regulation E and filing complaints with regulators. Denying standard banking services and mocking the consumer is unacceptable conduct that compounds the harm already caused.

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 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AK

Complaint narrative:
On multiple occasions over the last two years, this company has continued to request twice the amount of the original account from XXXX and refused to provide original paperwork, stating the amount of the debt. The amount owed was XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX dollars and XXXX sent it to collections, even after I made a payment to XXXX, and they told me they would not send it to collections. Portfolio recovery services refused to provide the paperwork over and over again and I requested.They send it to me via email or mail.And they would not, and I asked them to stop contacting me because the amount owed that they are saying was over XXXX XXXX XXXX XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year>, XXXX, I called Credit Corp Solutions to obtain a legal copy to verify the validity of a debt collection amounting to {$4800.00}. 

I was provided a copy of the Agreement and I then asked if I can start making payments towards this collection. I was told repeatedly that I had to pay at least 50 % of the overall total before I can submit a low payment of {$20.00} dollars. This call was recorded as it was indicated to me in the beginning of the phone call. The manager eventually came on the phone and proceeded to offer me to only pay {$100.00} now and then he can adjust my payments to {$20.00} a month at 0 % interest. I explained I only had {$20.00} I could absolutely pay but he then stated he was unable to do that option and if we can reach a solution then he would have to take this to a pre legal action and cant potentially make it a worse process. Credit corp made no effort to at least allow me to pay towards my debt at any capacity especially when I offered to pay {$20.00} online, the manager said if I made that payment then it would close my account and I wouldnt be no longer to pay towards my debt. This company seems unethical and I do not feel comfortable paying towards a debt into they can be investigated regarding my issue. Thank you.

Company response to consumer: Closed with explanation