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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$98.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$70.00} XXXX - Account Number : 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 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 XXXXXX/XX/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 2025-07-07 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: CA

Complaint narrative:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b 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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete 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 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
On XX/XX/2025, I sent Gurstel Law Firm P.C. a certified letter requesting full validation of an alleged debt they are attempting to collect ( Certified Mail # XXXX ). Their response failed to include the legally required documentation under the FDCPA, including a signed agreement, bill of sale, or proof of assignment from the original creditor. 

On XX/XX/, I followed up with a second certified letter ( Final Notice Before Arbitration Certified Mail # XXXX ) warning that I would pursue legal action if they continued attempting to collect or report unverifiable debt without full validation. 

Despite both letters, Gurstel Law Firm has failed to resolve this matter, and they continue to report the account and attempt to collect. They are in violation of the Fair Debt Collection Practices Act and possibly the Fair Credit Reporting Act. 

I am requesting that the CFPB investigate, and that Gurstel Law Firm be required to cease collection activity and remove the unverifiable debt from all consumer credit reporting agencies.

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

Complaint narrative:
I kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. I appreciate your assistance and hope that, with your help, the fraudulent items will be permanently removed in the next update. Thank you for your attention to this matter. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Veros Credit, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and repeated credit reporting updates by Veros Credit , LLC on my credit file. 

I had previously disputed an auto loan account with Veros Credit , LLC that is now closed and charged off. The account details are : Account Number : XXXX Type : Auto loan Status : Closed, charged off Responsibility : Co-maker/Signer I initially disputed this account in XXXX. The creditor resolved my dispute and my credit report now shows the remark Account previously in dispute Now resolved by data furnisher. Charged off account. 

However, despite this account being closed and the dispute resolved years ago, Veros Credit continues to add and remove dispute-related remarks on my credit report continually every few months. Each time this happens, it causes fluctuations in my credit score and makes it appear as though the account is newly disputed when it is not.

I am requesting that Veros Credit : Stop adding or removing dispute remarks on this closed account unless there is new, legitimate information. 
Ensure that my credit reports reflect the correct and final status of the account without further unnecessary updates. 


These repeated updates appear unnecessary and may violate the Fair Credit Reporting Act because they result in inaccurate and misleading information on my credit reports and harm my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
I recently review a copy of my credit report and notice fraudulent accounts on my report. 
Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-07-07 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: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
The lender told me there was a derogatory report on my credit score from Sunrise Credit that dropped my score XXXX points. I called Sunrise Credit when I found out on XX/XX/XXXX, and they said it was for an unpaid XXXX bill for someone who lived in XXXX from XX/XX/XXXX, to XX/XX/XXXX. I called XXXX and spoke to XXXX different people on XX/XX/XXXX, letting them know that this was fraudulent, and I was in the process of buying a home, and this fraudulent report to my credit might affect the process. They said Send us proof of residence, which I did the same day. Called them on Thursday, XX/XX/XXXX, to ask them what was going on. They said they didn't receive the info that I needed to fill out and send. Friday, XX/XX/XXXX got a text from AI stating they received the info. Called them again twice on XX/XX/XXXX, and they told me they didn't receive the info. I have not heard back from them yet. We are moving forward with the load, but it's going to cost us an unexpected {$3000.00}, all because they violated the Fair Credit Reporting Act. At this point, I'm just getting run around, every time I called them spent hours on the phone, frustrated and completely stressed out, my wife and I 's anxiety has gone through the roof.

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 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( c ), demanding that you cease all communication with me regarding the alleged debt for the following account : Account Number : [ Insert Full or Partial Account Number ] I am also requesting that you cease reporting this account to any credit reporting agencies as permitted under 15 U.S. Code 1681s-2. If you continue to report unverifiable or disputed information, it may constitute a violation of the Fair Credit Reporting Act ( FCRA ).

Please be advised that any further contact, except as allowed by law ( such as a single notice of intended legal action ), will be considered harassment and a violation of my consumer rights. 

Govern yourself accordingly. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 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 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 XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request to Correct Inaccurate Credit Report Information Description : I am requesting the correction and removal of inaccurate, outdated, or unverifiable information on my credit report. I have noticed several errors that are negatively impacting my credit score, including accounts that do not belong to me, incorrect balances, or outdated information that should no longer be reported. I have attempted to dispute these items directly with the credit bureaus, but they remain unresolved. 

I am seeking assistance through the CFPB to ensure these inaccuracies are properly investigated and removed to reflect an accurate credit history. Thank you for your support in resolving this matter.

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

Complaint narrative:
Subject : Request to Correct Inaccurate Credit Report Information Description : I am requesting the correction and removal of inaccurate, outdated, or unverifiable information on my credit report. I have noticed several errors that are negatively impacting my credit score, including accounts that do not belong to me, incorrect balances, or outdated information that should no longer be reported. I have attempted to dispute these items directly with the credit bureaus, but they remain unresolved. 

I am seeking assistance through the CFPB to ensure these inaccuracies are properly investigated and removed to reflect an accurate credit history. Thank you for your support in resolving 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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filed a fraud claim on XX/XX/XXXX and I was told I would get a temporary credit within 10 business days as its the law. That did not happen and today its XX/XX/XXXX, the claim its still open and I still dont have received 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 monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX"On or about XXXX someone hacked my bank account, opened accounts in the middle of the night and bounced money from account to account until they XXXX  the account $XXXX. My mom who had a joint bank account received text alerts, as soon as the bank opened she called and my accounts were temp closed. Then we went to the bank in XXXX  CA and spoke to someone over the phone who started the investigation. the bank never contact me, did any investigation or provided any resources. They simply closed my account and kept the little money I had saved, about $XXXX  on one account and $XXXX  on another account. I'm XXXX  and depend on my money, they simply kept it. I am the victim of Identity theft, this is not okay to treat customer and not provide needed help when they are victims of FRAUD. the bank can easily track the money and see that it was not me and that I did not moved hte funds or take the funds. I need this resolved. Someone stole my information and used it in another state to open bank accounts. I've only live in California and only XXXX  years old, XXXX. Living with my mother. Someone hacked my bank account and open accounts as well and same day my mom who had jointed account contacted XXXX XXXX XXXX and they were to do an investigation and remove things BUT nothing was done and when I reached out to the bank no one would help, visiting the branch they would not help and said I needed to call the number of the ATM card but they treated me and my mom like we created this issue and allowed the fraud and Identity theft to transpired. I only had two credit card one for an appliance and another with XXXX XXXX XXXX which was closed. I've disputed the information with the XXXX XXXX and they removed my accessto attempt to monitor my account online. I need the information removed and updated to be accurate. MY ONLY RESIDENCE SINCE I WAS BORN: XXXX  XXXX XXXX XXXX  CA XXXX. AND I HAVE NEVER LEFT HOME OR USED ANY OTHER ADDRESS. ALSO MY BIRHTDAY ON IS XXXX, I SEE THE FRAUD PEOPLE USED SOME OTHER DATA. my valid accounts with XXXX XXXX XXXX are XXXX XXXX XXXX on XXXX on or about XXXX  california time they moved $XXXX  and $XXXX  which I have never had in my life around the account, after contact XXXX XXXX XXXX they opened a claim XXXX  and others to resolve they sent a notice that no loss was found and I AM WAITING ON RESOLUTION AS I AM GOING TO CONTACT THE NEW CHANNEL TO HELP ME BECAUSE I AM DESPERATE"

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 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, all of my federal student loan accounts were suddenly removed from my TransUnion credit report. These loans were in good standing, active, never defaulted, and managed through XXXX under an income-driven repayment plan. I have had some of these loans since as far back as XXXX, and they have always reported monthly. 

I immediately contacted XXXX, who confirmed on a recorded call that they never stopped reporting any data to the credit bureaus. They said the loans are current, and no changes were made on their end. I then contacted TransUnion, and they admitted that the accounts were deleted on XX/XX/XXXX, but could not provide any reason, reporting code, or explanation. They escalated my case to a special handling department. 

This deletion caused my credit score to drop over XXXX points, removing long-standing positive tradelines and damaging my credit history and credit age. This happened after I had submitted CFPB complaints against TransUnion and Experian for failing to properly investigate other unrelated accounts, including XXXX XXXX and XXXX XXXX. 

I now believe this was retaliation for those complaints. There was no valid reason for TransUnion to remove my federal student loans, and I was never notified, never disputed them, and did not request any deletions. 

Separately, Experian is still reporting my student loans, but is reporting an inflated balance of {$49000.00}. My actual balance is {$31000.00}, confirmed by XXXX. Experian has failed to update this balance and is inaccurately inflating my total debt, which impacts my creditworthiness. 

Meanwhile, XXXX  is reporting everything accurately, confirming that this was not a lender or federal system error it is specific misconduct by TransUnion and Experian.

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