vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Inaccurate Credit Reporting Request for Investigation To Whom It May Concern, I am submitting this formal complaint against Experian, Equifax, and TransUnion for failing to maintain accurate and verifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite sending certified dispute letters directly to the credit bureaus, they have continued to report inaccurate, unverifiable, and outdated information on my file, including : XXXX XXXX XXXX XXXX XXXX ( {$570.00} ), XXXX XXXX XXXX ( {$1600.00} ), and XXXX XXXX XXXX ( {$340.00} ). These accounts remain despite a lack of proper validation. 

Charge-Off / Negative Accounts XXXX loans showing extended delinquencies and XXXX XXXX XXXX  account showing erroneous late-payment reporting.

Paid / Closed Accounts XXXX, which has been paid in full and closed but continues to appear in a way that may misrepresent my credit profile.

Hard Inquiries My report reflects 14 inquiries I did not authorize in writing, which violates FCRA 604. 

Outdated Personal Information Multiple old addresses remain on my file, despite my request to retain only my current address : XXXX XXXX XXXX, XXXX, NJ XXXX. 

The credit bureaus have either ignored or inadequately addressed my disputes. Their failure to correct these errors is a direct violation of federal law and has caused me financial harm. 

Requested Resolution : Immediate removal of all unverifiable collection and charge-off accounts. 

Deletion of unauthorized inquiries. 

Removal of outdated personal information ( addresses ). 

Written confirmation of compliance. 

I have enclosed : Copies of my original dispute letters, Certified mail receipts, Copies of my ID and proof of address, and Recent credit reports highlighting the disputed items. 

I request that the CFPB investigate these violations and take enforcement action to ensure my credit reports are corrected promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I recently checked my credit report and unnoticed and inaccurate account reporting TO XXXX  due to this account being inaccurate I needed to be removed from my credit report for it is an accurate HARMING my ability to obtain good credit and harming my score. I ask an investigation Please start AND the account to be removed ALDOUS AND ASSOCIATES XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
I challenge the accuracy of entries reflecting accounts established without my consent. XXXX an exhaustive inquiry and expunge them. Relevant records are enclosed.

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
It has come to my attention that a bad check was deposited into this account, which resulted in a negative reporting status. I want to make it absolutely clear that I had no knowledge of, nor participation in, this transaction. As an authorized user, I had no control, ownership, or decision-making authority regarding deposits, withdrawals, or payments.

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 2025-08-25 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: OH

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial XXXX, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-25 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: CA

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own.

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
My ex husband and I got a divorce. I moved out of the apartment we shared. I got a different apartment in the same complex. The apartment complex told me they removed my name from his apartment so I could get my own apartment. I have asked my property manager and she assured me multiple times that my name was not on the lawsuit for when they sued my ex for not paying rent and evicted him. I STILL live at the apartment complex in my apartment. I called the debt collector and they told me that they could see where I was right ght and for XXXX and some odd dollars they would be happy for remove it from my credit and I did qualify for the fair credit act or something like that. I went and asked my property manager and she told me again only my ex husbands name was on the bill and lawsuit. I looked at the lawsuit and she was right his was the only name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
b"I keep getting calls concerning a debt owe. Upon calling back im repeatedly told that im not on their records. Ive provided my cell number XXXX XXXX XXXX   to verify that. Ive respectfully asked several times to have my number removed and each time I've been told it will be taken care of, just to have calls coming in twice a week.  This has been going on for months."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NC

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Cease and Desist I am writing to formally dispute the validity of the alleged debt associated with the above-referenced account. This dispute is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under 15 U.S.C. 1692c ( c ) of the FDCPA, I hereby request that you cease all communication with me regarding this matter, except as allowed by law ( such as confirming you will cease collection or providing the requested validation ). This request extends to communications with my family members, friends, neighbors, employer, or any other third party, as prohibited by 15 U.S.C. 1692c ( b ). I am also exercising my right under 15 U.S.C. 1692g ( b ) to request full validation of the alleged debt. Until you provide proper written documentation verifying the debt including the exact amount claimed, the full name and contact information of the original creditor, and a copy of any contract or agreement bearing my signature I dispute this debt in its entirety. Additionally, if this account has been reported to any credit reporting agency, please note your obligations under the FCRA, 15 U.S.C. 1681s-2 ( a ) to furnish accurate, complete, and up-to-date information. I remind you that the Metro 2 Reporting Guidelines require data furnishers to correct or delete inaccurate information promptly. If you have reported information that is incomplete, unverifiable, or inaccurate, you must immediately update or delete it. Failure to provide validation within 30 days of receiving this letter, or to comply with the above-cited laws, will be considered a violation of federal law. Should this occur, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for the State of Maryland. I will also consider pursuing civil remedies under 15 U.S.C. 1692k and 15 U.S.C. 1681n/o for any damages caused by your noncompliance. If the furnisher can not produce legally sufficient documentation to prove this debt is mine, the account must be deleted from my file. This letter is not an acknowledgment of liability for the alleged debt, and it is not a refusal to pay. It is a good-faith effort to resolve a disputed matter in accordance with my rights under federal law. I expect your written response and full validation within the statutory time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Accounts that do not belong to me are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Accounts that do not belong to me are on my credit report.

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 2025-08-25 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: TX

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX DEPT OF ED Date : XX/XX/XXXX DEPT OF ED Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$380.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-25 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This correspondence is a formal dispute concerning an account listed on my credit report that I did not open or authorize. Its presence is entirely fraudulent and constitutes a serious misrepresentation of my financial activity. This false reporting is creating unjust damage to my credit profile.

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 2025-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Alliance Collection Agencies, Inc.
State: NC

Complaint narrative:
Company emailed XX/XX/year>, requesting payment! I called and asked them to validate. Upon additional research Alliance Collecton is not licensed to collect debts as a collection agency in NC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: SC

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: AR

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: AR

Complaint narrative:
Ive sent several letters to Equifax, Experian, and TransUnion about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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