vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Subject : Urgent Dispute of Credit Report Inaccuracies regarding XXXX XXXX XXXX for Deletion and Notification of Legal Rights I am writing to dispute the inaccuracies related to my account with XXXX XXXX as reported on my credit report. My personal information is as follows : Upon reviewing my credit reports from XXXX XXXX and Equifax, I found the following significant inaccuracies regarding my account with XXXX XXXX that violate the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX Inconsistent Reporting of Account Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports the account status as " Current '' as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX shows the account status as " 30 days late '' for XX/XX/XXXX. 
XXXX XXXX XXXX Equifax XXXX XXXX indicates the account as " 60 days late '' for XX/XX/XXXXXXXX XXXX XXXX XXXX Inaccurate Account Balances XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a balance of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports a balance of XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Equifax XXXX XXXX shows a balance of XXXX XXXX  {$2800.00} XXXX XXXX 

These conflicting balances misrepresent my financial obligations and violate the accuracy requirement of the FCRA. 

XXXX XXXX XXXX  Conflicting Late Payment RecordXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  lists XXXX XXXX XXXX XXXX XXXX  late payment recorded on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports * * XXXX * * late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Equifax XXXX XXXX shows XXXX XXXX XXXX XXXX XXXX late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Such discrepancies in the recorded late payments do not accurately reflect my payment history and negatively impact my creditworthiness. 

As mandated by the FCRA, specifically sections 602 ( a ), 609, and 611, you are legally obligated to ensure the accuracy of the information you report and to remove any unverifiable information from my credit report. 

Given these discrepancies, I request that you conduct a thorough investigation into this matter and remove the XXXX XXXX account from my credit report entirely. If you fail to resolve this dispute satisfactorily, I want to make it clear that I am prepared to pursue legal actions to protect my rights, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action in federal court. 

I have enclosed copies of my credit reports with relevant discrepancies highlighted, as well as supporting documentation that validates my claims. I expect a formal response to this dispute within 30 days, as required by the FCRA. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 ( XXXX XXXX Code XXXX ) 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 non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am submitting this complaint because Midland Credit Management XXXX Inc. is attempting to collect an alleged debt that I do not owe. I have no contractual relationship with this company, and I never authorized them to possess or use my personal information. Despite this, they have contacted me and are threatening attorney review and potential litigation regarding an invalid debt. 

Furthermore, I formally notified Midland Credit Management , Inc. in writing that I dispute the debt, and I demanded that they immediately cease collection activity and not report this invalid account to any credit reporting agencies. I made it clear that this debt is unauthorized, invalid, and unenforceable. 

Despite my clear instructions and the protections afforded to me under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), Midland Credit Management continues to pursue collection activity and/or threatens credit reporting. 

Details : Midland Credit Management has no valid contract with me. 
They obtained and are using my personal information without my consent. 
They are attempting to collect a debt without proper validation or authorization. 
I have formally demanded they cease all collection efforts and not report any information to credit bureaus. 
Continued collection efforts or reporting would be in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Klarna AB
State: FL

Complaint narrative:
I received an alert from XXXX XXXX about a XXXX from Klarna that was taken out in my name on XX/XX/year>. AFTER more investigation I discovered XXXX more credit cards opened around the same time. This account isn't mine and I have never received a credit card or loan documents from Klarna. Could I please have information on if this account, like if it was opened in person inside the bank, over the phone or online. I'm also requesting the identity verification you did to allow this account to be open. I have multiple XXXX figure credit card limits and I had to submit my Id and verify myself before I was approved. Please help me with investigating this fraudulent account. The account number listed is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am a victim of identity theft. I recently discovered that fraudulent accounts and/or debts have been opened or incurred in my name without my knowledge or authorization. These unauthorized actions have negatively affected my credit and financial standing. 
I am requesting an investigation into this matter under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which grants victims of identity theft the right to block fraudulent information from their credit reports. 
Please use this report to initiate the process of removing any accounts or debts that are the result of identity theft from my credit file and to stop further collection actions. 
I respectfully request written confirmation once the information has been removed or blocked and appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a XXXX of Equifax data breach and this accounts are are result of the data breach I have attached supporting documents. Please remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MO

Complaint narrative:
To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Notice of Intent to Sue for Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, This letter serves as formal notice of my intent to initiate legal action against TransUnion for your failure to comply with the requirements set forth in the Fair Credit Reporting Act ( FCRA ) as it pertains to a fraudulent XXXX credit card account currently being reported on my credit report. 

On Sunday, XX/XX/XXXX, I submitted an identity theft report concerning this unauthorized XXXX credit card account to your agency, which was also filed through the Consumer Financial Protection Bureau ( CFPB ). Under 15 U.S. Code 1681c-2, a consumer reporting agency is legally obligated to block all reporting of information identified in an identity theft report within XXXX business days of receipt. 

To date, TransUnion has failed to block or remove this fraudulent account, despite being legally required to do so. This continued reporting constitutes a clear and willful violation of the FCRA. 

Furthermore, I previously submitted a dispute requesting your method of verification regarding the accuracy of this XXXX account. Under 15 U.S. Code 1681i ( a ) ( 7 ), you are required to provide the consumer with a description of the verification procedure used. TransUnion has failed to provide this information, which constitutes another violation of your statutory obligations. 

Due to these ongoing violations, you are now subject to civil liability under the FCRA, including but not limited to actual damages, statutory damages, punitive damages, and reasonable attorneys fees, as provided under 15 U.S. Code 1681n and 1681o. 

To resolve this matter without escalation, I demand the following : XXXX deletion of the XXXX credit card account from my credit file. 

Written confirmation that the account has been permanently removed and blocked. 

A full disclosure of the method of verification used in your previous investigation. 

I am attaching another copy of the identity theft report for your records. 

If I do not receive confirmation of compliance within XXXX calendar days of receipt of this letter, I will proceed to file a lawsuit to enforce my rights under federal law. 

Sincerely, XXXX XXXX Enclosures : Identity Theft 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 2025-04-26 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: MS

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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.

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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update 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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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. 


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 XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update 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 non-monetary relief
Consumer complaint received 2025-04-26 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX - Incorrect XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - XXXX Personal XXXX XXXX XXXX LOT XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-04-26 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:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

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 2025-04-25 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: CO

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 2025-04-25 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: CO

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 explanation
Consumer complaint received 2025-04-26 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: AR

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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