vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Disputed Information : there are inconsistencies among the XXXX credit bureaus regarding the date opened, date last active and furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior. 
Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

Section 611 : Right to dispute inaccuracies and request investigation.

Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

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 2025-05-17 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: NC

Complaint narrative:
[ TransUnion LLC Consumer Dispute Center ] XXXX XXXX XXXX XXXXXXXX, PA XXXX ] Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX To whom it may concern, I was just looking over my credit report and found some addresses that appear to be Incorrect. I've enclosed documentation providing proof of my current address as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed which I would like removed please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I also noticed that my name appears to be misspelled on my report. My name only has one correct spelling and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier. 

Here are the Incorrect spelling I see listed. 

XXXX. XXXXXXXX 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 2025-05-17 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: CA

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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have + the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) 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 and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: DC

Complaint narrative:
I am formally disputing the collection account reported by Midland Credit Management on my credit report, with an alleged balance of {$940.00} and an original creditor listed as XXXXXXXX XXXX. According to my credit file, this account was added on or around XX/XX/year>. I have not received any written notice from Midland Credit Management prior to this account being furnished to the credit bureaus, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ). This law mandates that within five days of the initial communication with a consumer in connection with the collection of any debt, a debt collector must send a written notice containing validation of the debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ), a data furnisher is prohibited from reporting inaccurate or incomplete information to consumer reporting agencies. Given the lack of prior notification and validation, I am requesting the immediate removal of this account from my credit report and demand a full investigation under both FDCPA and FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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 2025-05-17 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: TX

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Days Late - 7 Year History : 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 2025-05-17 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-05-17 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: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX BALANCED {$450.00} XXXXXXXX XXXX XX/XX/year> These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-17 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: MS

Complaint narrative:
I am writing to demand the immediate removal of both fraudulent tradelines and unauthorized hard inquiries from my credit report. My personally identifiable information was used without consent due to identity theft and/or a data breach. 

According to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), any information resulting from identity theft must be blocked and removed within four ( 4 ) business days after notice and documentation are received. 

FRAUDULENT ACCOUNTS TO BE DELETED : XXXX XXXX XXXX Account # : XXXX Status : Charged Off {$12000.00} Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Account # : XXXX Status : Closed XXXX delinquency reported Opened : XX/XX/XXXX These accounts were not authorized by me and must be deleted as required by federal law. 

UNAUTHORIZED HARD INQUIRIES TO BE REMOVED ( FCRA 604 ) : The following hard inquiries were conducted without my authorization or permissible purpose, violating FCRA 604 ( a ) ( 3 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These companies had no legal reason to access my credit report. I never applied for credit with them on the dates listed.

Failure to comply will result in complaints filed with the FTC, CFPB, and Mississippi Attorney General, and I will pursue civil litigation under FCRA 1681n and 1681o for willful and negligent noncompliance. 

This is your final notice. Do your job and correct my credit file immediately. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
To Whom It May Concern, Subject : Notice of Violation of Federally Protected Consumer Rights Under the Fair Credit Reporting Act ( FCRA ) I am writing to formally notify you that the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

Accounts in Violation : Account Name : XXXX & XXXX {$1500.00} Account Name XXXX XXXX XXXX XXXX {$1300.00} Account Name : XXXX XXXX XXXX {$990.00} Account Name : XXXX XXXX XXXX XXXX {$1900.00} The inclusion or furnishing of these accounts constitutes violations of the following provisions of the FCRA : 15 U.S.C. 1681 Section 602 ( a ) : Affirms the consumers right to privacy and protection from unwarranted disclosure of personal credit information. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Prohibits the furnishing of a consumer report by a consumer reporting agency without the consumers written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Forbids reporting of adverse information ( excluding criminal convictions ) that is more than seven years old.

15 U.S.C. 1681s2 ( a ) ( 1 ) : States that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 

Based on the above, I am requesting immediate removal and permanent deletion of these accounts from my consumer report. Furthermore, I demand written confirmation that these items have been deleted and that no further action will be taken in connection with these violations. 

Failure to comply may result in legal action to enforce my rights under federal law. 

Thank you for your prompt attention to this matter.

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 2025-05-17 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:
To Whom It May Concern, Subject : Notice of Violation of Federally Protected Consumer Rights Under the Fair Credit Reporting Act ( FCRA ) I am writing to formally notify you that the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

Accounts in Violation : Account Name : XXXX & XXXX {$1500.00} Account Name XXXX XXXX XXXX XXXX {$1300.00} Account Name : XXXX XXXX XXXX {$990.00} Account Name : XXXX XXXX XXXX XXXX {$1900.00} The inclusion or furnishing of these accounts constitutes violations of the following provisions of the FCRA : 15 U.S.C. 1681 Section 602 ( a ) : Affirms the consumers right to privacy and protection from unwarranted disclosure of personal credit information. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Prohibits the furnishing of a consumer report by a consumer reporting agency without the consumers written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) : Forbids reporting of adverse information ( excluding criminal convictions ) that is more than seven years old.

15 U.S.C. 1681s2 ( a ) ( 1 ) : States that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 

Based on the above, I am requesting immediate removal and permanent deletion of these accounts from my consumer report. Furthermore, I demand written confirmation that these items have been deleted and that no further action will be taken in connection with these violations. 

Failure to comply may result in legal action to enforce my rights under federal law. 

Thank you for your prompt attention to this matter.

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 2025-05-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-05-17 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: MD

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 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
NOT SURE WHY THIS ACCOUNT IS REPORTING ON DIFFERENT PAGES. IT'S THE SAME ACCOUNT, REPORTED ON THE SAME DATES MONTHLY AND SHOULD BE ON THE SAME PAGE NOT 3 DIFFERENT PAGES.

I WENT TO THE CREDITOR THEY SAID THIS IS NOT SOMETHING THEY WOULD DO. 

MY CREDIT MONITORING SERVICE WANTED ME TO PAY {$100.00} TO SOMEONE TO PRINT ALL 3 OF YOUR REPORTS SO THEY COULD SEE IF IT WAS AN ERROR ON THEIR END. I DECLINED TO SPEND THAT KIND OF MONEY, THEY REFUSED TO CORRECT IT.

SO NOW YOU'RE IT, THIS LOOKS LIKE SOMETHING YOU DID AND NEED TO CORRECT IT.

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