vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-07-29 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: LA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
b'"I sent a certified letter to Transunion XXXXXXXX  with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX  via XXXX. The letter was received on XXXX Transunion did not reply to my request I proceeded to send another letter dated XXXX  which was also ignored. The account I am disputing is with bank:\'\' \n\nXXXX XXXX ACC # XXXX  BALANCE $ $XXXX\nXXXX XXXX ACC # XXXX BALANCE $XXXX\nXXXX XXXX XXXX  ACC XXXX XXXX\nXXXX XXXX  ACC# XXXX  BALANCE XXXX\nXXXX ACC # XXXX BALANCE XXXX XXXXnXXXX ACC# XXXX BALANCE $ $XXXX\nXXXX  ACC# 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 2025-07-29 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: Experian Information Solutions Inc.
State: FL

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 2025-07-29 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: PA

Complaint narrative:
I submitted disputes regarding multiple inaccurate entries on my credit report, but the credit bureaus did not conduct a proper investigation. As a result, my credit score has been unfairly impacted, limiting my access to financial opportunities and causing both emotional and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AAA Collections
State: SD

Complaint narrative:
I received XXXX information about a large medical debt until XX/XX/scrub>/25 when I received a letter stating it was going to go to an attorney unless I paid it off by XX/XX/year>25. I called this morning to pay the debt to XXXX XXXX XXXX through collection agency AAA this morning, XX/XX/scrub>/25. I paid it in full with one charge to my debit card. They are now refusing to provide me with a receipt or something in writing confirming that the debt has been paid in full. This is shady as XXXX, but honestly more than anything it's just laziness. It takes 2 seconds to write a sentence that says 'the debt to XXXX XXXX XXXX has been paid in full with the amount of XXXX being debited from your bank account on XX/XX/scrub>/25 ''. There, I even typed it so you guys could just copy and paste in your response. Not convinced I actually even paid the correct people now as they never verified this debt with me. I want something in writing confirming the debt is paid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

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 non-monetary relief
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
Subject : Request for Removal of Inaccurate Credit Information Name and Account Number : XXXX XXXX XXXX ( XXXX XXXX XXXX Dear Equifax, I hope this letter finds you well. I am writing to formally request the removal of inaccurate information from my credit report, as governed by the consumer laws and regulations outlined by the Fair Credit Reporting Act ( FCRA ). I recently obtained a copy of my credit report and was disheartened to discover that it contains erroneous information that is negatively impacting my creditworthiness. It is essential that this inaccurate information be rectified promptly to ensure the fairness and accuracy of my credit profile.Under the FCRA, consumers have the right to dispute any incomplete or inaccurate information appearing on their credit reports. The Act mandates that credit bureaus investigate these disputes within a reasonable timeframe, generally 30 days, and correct or delete any information found to be inaccurate, incomplete, or unverifiable.I would like to bring to your attention the following inaccurate on my credit report XXXX XXXX XXXX XXXX XXXX, an account that does not belong to me. I kindly request that you conduct a thorough investigation into these discrepancies and promptly remove the inaccurate information from my credit report. I also urge you to notify all creditors and data furnishers involved to ensure the correction is reflected across all sources. It is essential to emphasize that the FCRA places a legal obligation on credit bureaus to ensure the accuracy and integrity of the information they report. Consumers rely on this information to make important financial decisions, and any inaccuracies can have severe consequences on their financial well-being. Furthermore, I would like to remind you of the penalties imposed under the FCRA for non-compliance with its provisions. Should you fail to investigate and correct the inaccuracies within the specified timeframe, I will not hesitate to pursue legal action to protect my rights as a consumer. I kindly request that you acknowledge the receipt of this letter within 15 days and provide me with written confirmation of the actions taken to address my dispute. Additionally, I request that you provide an updated copy of my credit report once the necessary corrections have been made. Thank you for your attention to this matter. I trust that you will handle my dispute with the utmost professionalism and adhere to the consumer laws and regulations set forth by the FCRA. I look forward to a swift resolution and the restoration of accurate information on my credit report. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX PA, XXXX, ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: DE

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delaware XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Rest to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Experian Consumer Services, I am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent inquiries that I have identified on my credit report are as follows : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX BANK XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX OF XXXX XX/XX/XXXX Under XXXX XXXX. XXXX ( a ), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. 

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 2025-07-29 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - XXXX XXXX  - XXXX/XXXX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 2025-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CT

Complaint narrative:
I tried to use my account and found out my account was closed due to not following their guidelines but would not explain in any details why. Ive called several time and I just keep getting the runaround and now they wont even answer my calls. I believe my account was closed no reason m. I didnt do anything for the reason for it to be closed and would like it to be reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-29 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: GA

Complaint narrative:
There are several inaccuracies 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I was contacted at work on a public company phone number, office phone XX/XX/XXXX at XXXX XXXX XXXX I will attach the call log. This is complete harassment and I feel threatened. I will be reaching out to legal counsel. 
I was contacted by Midland Credit Management by phone number # XXXX. I dont have access to the phone number contacted as it doesnt belong to me, I was asked for by name as soon as the representative answered the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
care credit XXXX XXXX was mailed to me! i did not activate care credit rewards mastercard! i reported the fraudulent problem to care credit XXXX XXXX i received a statement dated XX/XX//2025 from care credit XXXX XXXX with account activity described as balance transfer and paper statement fees and interest charge! credit care rewards mastercard is a scam and fraudulent!

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 2025-07-29 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: LA

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: PA

Complaint narrative:
I am requesting the immediate and permanent deletion of all accounts and inquiries listed below, which were the result of identity theft and have already been previously disputed. These entries are fraudulent, unauthorized, and harmful to my credit profile. 

Accounts and Inquiries to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the following actions be taken in accordance with the FCRA : Permanent deletion of all fraudulent and unauthorized accounts and inquiries listed above Blocking of all identity theftrelated data within XXXX business days, pursuant to 15 U.S.C. 1681c2, as all supporting documentation has already been submitted Full reinvestigation under 15 U.S.C. 1681i ( a ), and removal of any unverifiable or unauthorized information Written confirmation of all deletions and blocks applied A clean and corrected copy of my updated credit report Supporting Documentation Already Provided : Government-issued photo ID Social Security card Proof of current address FTC Identity Theft Report If this issue is not resolved within the legally required timeframe, I will escalate the matter by filing formal complaints with : The Consumer Financial Protection Bureau XXXX CFPB ) The Federal Trade Commission XXXX FTC ) The XXXX XXXX XXXX XXXX XXXX XXXX The Office of the Attorney General in both your state and mine I also reserve the right to pursue legal action under FCRA 616, which allows for statutory damages of up to {$1000.00} per violation, plus actual damages and attorneys fees. 

This is my second and final notice. You now have everything required to resolve this issue in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
According to my records, all payments have been made on time and in accordance with the terms of the loan agreement. However, I was recently notified that my account is being reported as past due. I believe this is a mistake and kindly request that you review my payment history and correct the reporting error as soon as possible. 

Please find attached [ bank statements, payment confirmations, or any relevant documentation ] to support my claim. I respectfully ask that this issue be investigated and resolved promptly, and that any inaccurate information be corrected with the credit bureaus to avoid further negative impact on my credit history.

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