vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a dispute last month to Experian for predatory business practices and unethical reporting. They were provided with proof of the inaccuracy and still alleged it was verfied as accurate. Submitted another dispute today providing them with the information again

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 2025-06-27 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: NY

Complaint narrative:
I'm writing to formally dispute a fraudulent account that has appeared on my credit report. This account was opened without my knowledge or consent and represents a clear case of unauthorized use of my personal identity. Let me be absolutely clear : I did not open this account, I did not authorize it, and I have no connection to it whatsoever. 

This is identity theft and Im treating it as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a XXXX  card account under an XXXX XXXX XXXX  XXXX XXXX as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer 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 explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: MA

Complaint narrative:
I am contesting the accuracy and legality of the following items currently listed on my consumer credit report. These entries contain unverified and inaccurate data, and I demand immediate investigation and resolution. In accordance with FCRA Section XXXX [ XXXX U.S.C. XXXX ], I request that you verify each disputed item with documented proof or DELETE it from my report. Any item lacking verifiable proof of ownership or authorization must be permanently deleted. 

PERSONAL INFORMATION TO BE CORRECTED OR DELETED : Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, MA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Incorrect XXXX : XXXX Employer : XXXX Employer : EMPLOYED ACCOUNT TO BE DISPUTED AND DELETED IF NOT VERIFIED : XXXX : XXXX You must provide original documents proving I authorized this account. If no such proof exists, DELETE the account immediately. 

INQUIRIES TO BE DISPUTED AND DELETED : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were not initiated or authorized by me. Per FCRA XXXX [ XXXX XXXX. XXXX ], any inquiry reported without my written consent or without a firm offer of credit is illegal. If you can not provide a signed authorization, DELETE these inquiries immediately. 

NOTICE OF COMPLIANCE REQUIREMENT : You are required to comply with XXXX XXXX data reporting standards, as outlined in the XXXX XXXX XXXX XXXX ( XXXX ) reporting guidelines. Any failure to report with maximum accuracy under FCRA XXXX ( b ) constitutes a violation. Willful non-compliance will be documented and XXXX result in legal action under FCRA XXXX and XXXX. 

NEXT STEPS REQUIRED : Investigate each item listed above. 

Provide physical documentation bearing my signature or legal authorization. 

Delete all unverifiable or inaccurate information. 

Mail an updated copy of my credit report reflecting the results of this dispute. 

If you can not verify the accuracy of the disputed entries within XXXX  days, you are required by law to DELETE them. Failure to comply XXXX result in complaints filed with the CFPB, FTC, XXXX Attorney General, and potential civil action.

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 2025-06-27 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: MA

Complaint narrative:
I am contesting the accuracy and legality of the following items currently listed on my consumer credit report. These entries contain unverified and inaccurate data, and I demand immediate investigation and resolution. In accordance with FCRA Section XXXX [ XXXX U.S.C. XXXX ], I request that you verify each disputed item with documented proof or DELETE it from my report. Any item lacking verifiable proof of ownership or authorization must be permanently deleted. 

PERSONAL INFORMATION TO BE CORRECTED OR DELETED : Incorrect Name : XXXX XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, MA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Incorrect XXXX : XXXX Employer : XXXX Employer : EMPLOYED ACCOUNT TO BE DISPUTED AND DELETED IF NOT VERIFIED : XXXX : XXXX You must provide original documents proving I authorized this account. If no such proof exists, DELETE the account immediately. 

INQUIRIES TO BE DISPUTED AND DELETED : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were not initiated or authorized by me. Per FCRA XXXX [ XXXX XXXX. XXXX ], any inquiry reported without my written consent or without a firm offer of credit is illegal. If you can not provide a signed authorization, DELETE these inquiries immediately. 

NOTICE OF COMPLIANCE REQUIREMENT : You are required to comply with XXXX XXXX data reporting standards, as outlined in the XXXX XXXX XXXX XXXX ( XXXX ) reporting guidelines. Any failure to report with maximum accuracy under FCRA XXXX ( b ) constitutes a violation. Willful non-compliance will be documented and XXXX result in legal action under FCRA XXXX and XXXX. 

NEXT STEPS REQUIRED : Investigate each item listed above. 

Provide physical documentation bearing my signature or legal authorization. 

Delete all unverifiable or inaccurate information. 

Mail an updated copy of my credit report reflecting the results of this dispute. 

If you can not verify the accuracy of the disputed entries within XXXX  days, you are required by law to DELETE them. Failure to comply XXXX result in complaints filed with the CFPB, FTC, XXXX Attorney General, and potential civil action.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is in possession of my consumer credit account without my consent. This is a notice that the company does not have the right to be in possession of my private consumer financial information. The use of the data is identity theft and a violation of the Privacy Act of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
Shepherd outsourcing is the debt collection company calling me everyday and emailing me everyday from different phone numbers, there is never a person behind the call or even giving you am option to talk to anyone cause they never leave a message. I only know who they are due to looking up the phone number. This started in XX/XX/year> and still going.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NJ

Complaint narrative:
I am filing this complaint against Experian for reporting false personal information and inaccurate account data on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). I have disputed these errors directly with Experian, yet they remain unresolved and continue to negatively affect my credit profile Experian is reporting two addresses that are completely unrelated to me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have never lived at either of these addresses. Reporting addresses that do not belong to me violates FCRA Section 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy, and Section 609 ( c ) ( 2 ), which prohibits reporting unverifiable personal identifying information In addition, Experian is reporting a late payment on XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX which has a balance of {$0.00} and was opened on XX/XX/2021. Reporting a delinquency on an account with a XXXX balance is misleading, inaccurate, and unjustified. This violates FCRA Section 611 ( a ) ( 1 ), which gives me the right to dispute inaccurate information and requires Experian to remove unverifiable data if the furnisher can not produce complete documentation. To date, Experian has not provided any evidence or documentation validating the accuracy of this late payment These reporting failures have harmed my credit score, interfered with financial opportunities, and caused stress and hardship. Experian has failed to meet its obligation to properly investigate my disputes and ensure accurate reporting I am requesting that the CFPB take immediate action to compel Experian to : ( 1 ) Remove the two inaccurate addresses from my credit report, ( XXXX ) Delete the late payment reporting on the XXXX XXXX account unless full verification is provided, and ( XXXX ) Ensure Experian complies with all FCRA obligations going forward I am prepared to provide supporting documentation, proof of residence, and identification upon request. Please investigate this matter and help protect my consumer rights.

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 2025-06-27 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: TN

Complaint narrative:
I have serveral XXXX  inquires on my credit report that i did not authorize. I did not sign a written consent giving my permission to run my credit. I asked for proof of signature and it was not provided.

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 2025-06-27 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: TN

Complaint narrative:
I have serveral XXXX  inquires on my credit report that i did not authorize. I did not sign a written consent giving my permission to run my credit. I asked for proof of signature and it was not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX - XXXX XXXX XXXX - XXXX XX/XX/XXXXXXXX - XXXX List of Unauthorized Inquiries : XXXX  - XXXX XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I contacted XXXX via Chat communication to question why my score decreased XXXX points in XXXX day. They shared all the positive affects of my scoring, but when I asked for the negative factors affecting my score, they stated there was none! That information serves no reason for the reduction. They are attempting to mask their greed! 

I also checked my score on Trans-Union and they decreased it by XXXX points with XXXX negative factors. I attempted to contact them also via Chat, but was unable to connect. When I review their scoring summary, and it references my credit utilization, it is ( XXXX ) XXXX usage and in their rating it is considered " Very Good ''.. The same utilization of XXXX, XXXX XXXX ago was considered " Exceptional ''.

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 2025-06-27 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am a customer of USAA Federal banking out of XXXX XXXX. I have been a member for 19 years. About 2 weeks ago I initiated a fraud claim. During this time of the investigation of the fraud claim they restricted my account. They canceled my debit card and mailed out a new one but restricted my account. I have called six times within that time frame and spoke to various Representatives regarding my account. I was told until the investigation was finished they would determine whether I would have access to the account. However my veteran retirement benefits have posted along with additional other money into my account but my account is still restricted. There is no reason for my account to be restricted as I am not the one who committed the fraud. The fraud was done against me and my account. Right now I have no access to my funds in the bank. I was also told that they would be closing my account in 60 days. I am okay with them closing the account but they will not let me transfer any money out of the account for the remaining time. This leaves me in limbo as my bills will be due the XXXX of the month which is Monday. I have tried several times to resolve this issue. None of the money in my account that has been credited in my account is fraudulent. The money that is in my account is my retirement money from the military as I am a veteran. I am a XXXX veteran and I have a household and I can not access my money to buy groceries or pay bills at this point. I contacted your office because I need help in this matter as they are not trying to resolve this issue.

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 2025-06-27 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX CARD # XXXX XX/XX/XXXX -- {$6000.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation