vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: NC

Complaint narrative:
I closed multiple accounts that are now listed as charge-offs. However, several of these accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX continued to report monthly as profit and loss charge-offs up through XX/XX/year>. This is inaccurate and misleading reporting. The continued updates on closed, charged-off accounts give the false impression that they are still delinquent or active, which significantly damages my credit profile. 

I formally requested the following from each furnisher : A copy of the original signed contract or agreement An explanation or calculation of the charged-off balance The Date of First Delinquency ( DOFD ) as required by FCRA guidelines Proof of compliance with 15 USC 1681s-2 and 1681e ( b ), which require furnishers and credit bureaus to report with maximum possible accuracy A copy of any 1099-C issued, which would indicate debt cancellation and render continued updates or collection efforts improper. 

To date, I have not received a valid response or proper documentation from any of these furnishers. The accounts are marked as closed but continue to report as delinquent with profit and loss activity, which is not permitted under FCRA once a debt has been forgiven, canceled, or otherwise deemed uncollectible. If a 1099-C was issued on any of these accounts, they should not continue to report any balances or monthly updates at all.

I am requesting the immediate deletion of these accounts from all three credit bureaus due to : Improper and inaccurate reporting of status and balances Continued monthly updates on closed charge-offs Potential 1099-C violations if cancellation of debt has occurred Failure to validate or provide supporting documentation Violations of 15 USC 1681s-2 and 1681e ( b ) These accounts are harming my creditworthiness and are being reported in a manner that misleads future lenders. I request the Consumer Financial Protection Bureau to investigate and enforce the correction or removal of these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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 am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm 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 2025-07-12 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
This is an update on XXXX. I am writing to formally request assistance regarding an unresolved issue with my credit report maintained by Experian. Despite submitting valid documentation to Experian confirming a correction to my account with XXXX, they have not updated my credit file accordingly. 

XXXX has correctly updated my account information on both Equifax and XXXX, which reflects the current and accurate status. However, Experian has not made the same correction, despite receiving the same supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NC

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: ID Analytics, Inc.
State: PA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: National Credit Systems,Inc.
State: MI

Complaint narrative:
I am filing this complaint against National Credit Systems for willfully and unlawfully reporting an eviction on my credit report in violation of multiple federal consumer protection laws. This eviction is being reported inaccurately and without proper documentation or legal authority.

Violations include : 1. FCRA 15 U.S.C. 1681i & 1681s-2 ( b ) : Failure to verify and correct inaccurate information 2. FDCPA 15 U.S.C. 1692e : Deceptive reporting of a debt with no judgment 3. GLBA 15 U.S.C. 6801 : Privacy violation possible unlawful data handling 4. No lease, court order, or chain of assignment was presented Despite multiple disputes, this eviction remains on my credit report without verification. I request a full deletion and investigation. If unresolved, I will escalate to the FTC and consider legal action under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I can't answer things I don't know I have opened accounts that are not mine money spent I was put as an authorized user on somebody else account I never authorized anyone nor anything I have been trying to deal with this for sometime now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: PA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I formally disputed inaccurate and inconsistent information through certified mail, to all XXXX major bureaus. The Information being reported on my credit file regarding a GM Financial account has been harming my credit profile since XXXX of XXXX. Upon review of my credit reports from all three major credit bureausXXXX XXXX XXXX XXXXXXXXI have identified multiple significant discrepancies in the reporting of this account- all of which violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires ; maximum possible accuracy, which raise concerns about the accuracy and integrity of the data. If the requirements can not be met, I request an immediate deletion of the account from my credit profile. 

Below are documented inconsistencies across the XXXX credit bureaus : High Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$32000.00} This inconsistency in the high balance suggests incorrect reporting and violates the FCRAs requirement for accuracy. 
Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This may seem minor, but exact date consistency is required under FCRA 607 ( b ) for accurate recordkeeping. 
Date of Last Activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX different last activity dates, which is a clear violation of the FCRAs maximum possible accuracy clause. 
Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Auto Financing Creditor Remarks XXXX XXXX : Charged off as bad debt, Profit and loss write-off XXXX  : Merchandise was taken back by XXXXredit grantor ; there may be a balance due. 
XXXX : Charged off account The nature of the charge-off and recovery differs- this may impact scoring and violates FRCA if unverifiable or misleading. 
Last Payment Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Not reported Unreported or misreported closure dates across bureaus hinder fair evaluation of creditworthiness. 

After I disputed these inaccuracies, GM Financial respond with the following updates : Balance decreased : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX by {$760.00} from {$18000.00} to {$17000.00} ( although there was no payment given to GM Financial by me on or between those dates ) Between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the following remark was added to this account : Transferred to recovery ( negative impact on my credit report ) Between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the following remark was removed from this account : Fixed rate I have attached documentation showing why this reporting is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am in receipt of my credit report. Since obtaining my credit profile I came across this account that does not belong to me. I sent Midland Credit Management certified letters and have not received a response from them regarding inaccurate marks due to fraudulent accounts on my credit report. I have never done business with you.I have never heard of your company until having received my credit report with XXXX fraudulent accounts for XXXX XXXX XXXX XXXX XXXX XXXX You are harassing me and tarnishing my Credit for FRADULENT accounts. As I have stated in my certified letters the CFPB and FTC are well aware of the fraud that has been committed under my Social Security number. Please remove these egregious, inaccurate and illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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