vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: IN

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-11-15 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sunrise Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may Concern, I am writing in response to a Credit Monitor Alert with XXXX XXXX  on XX/XX/year> and it reflected on the XXXX  Credit Report Dated XX/XX/year> you communicated about an alleged debt mentioned above. Pursuant to Section 809 ( b ) of the fair Debt Collection Practices Act ( FDCPA ) I am disputing this Debt. I request that you cease all collection activities until you provide verification of debt. 

Please provide the following information : Verification of the debt, including the amount of the debt.

The name and address of the original creditor. 
A copy of a judgement, if applicable. 
Documentation proving that I have a legal obligation to pay this debt. 
Confirmation that the statute of limitations has not expired. 



Due to the dispute, the collection agency must cease collection activities! Since you are reporting to the Credit Reporting agency, Please immediately inform the agency that the debt is disputed and request that it be deleted from my credit report ASAP. 

Please note that I do not wish to receive any further communication from your company regarding this debt until validation is provided. 

Sincerely, 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 explanation
Consumer complaint received 2025-11-15 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: TX

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 explanation
Consumer complaint received 2025-11-15 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: MD

Complaint narrative:
This XXXX account ending in XXXX is the result of identity theft. I have filed an official police report and will upload it here. 

Police Report Number : XXXX Agency : XXXX XXXX XXXX XXXX Date Filed : XX/XX/year> Under FCRA 1681c-2, once an identity theft report is submitted, the furnisher is legally required to : 1. Stop all reporting of fraudulent information, 2. Block the account within 4 business days, 3. Stop verifying or furnishing any negative information connected to this account. 

This is a formal cease-and-desist demand. XXXX  must block, delete, and permanently remove all negative information related to this fraudulent account, including any charge-offs, late payments, and derogatory codes. 
Reinsertion is prohibited under federal law. 

XXXX XXXX Police Report 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 2025-11-15 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to notify you, that effective immediately, you must cease and desist all communication and collection activities regarding these accounts. your repeated contact attempts are unwelcome and in violation of my rights under the Fair Debt Collections Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I am formally requesting that you stop contacting me by phone, text, email, mail, or any other method, except as permitted by law ( such as sending one notice to confirm you will no longer contact me, or informing me of any specific legal action you can actually intend to pursue ).

Please also provide written verification of the alleged debt as required under the FDCPA, including the name of the original creditor, the amount claimed, and proof that you have the legal right to collect.

If you continue contacting me after receiving this letter, I will document all such communications and may pursue legal remedies, including filing complaints with my State Attorney General, and any other appropriate regulatory bodies.

I except your full compliance with federal and Sate law. 

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 2025-11-15 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-15 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: IL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: AZ

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-15 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: AZ

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: AZ

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I submitted a formal written dispute and request for debt validation to XXXX XXXX XXXX regarding an alleged XXXX XXXX collection account. This request was timely under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and required XXXX to provide validation within 30 days and to cease all collection activity until validation was mailed. XXXX failed to provide any response or documentation. 

On XX/XX/year>, after XXXX ignored my initial request, I retained an attorney who sent a formal demand letter again requesting validation. That letter specifically demanded : ( 1 ) original creditor information, ( 2 ) an itemized breakdown of the alleged amount owed, ( 3 ) proof of assignment agreement, ( 4 ) a signed contract, and ( XXXX ) statute of limitations compliance. XXXX again failed to comply. Instead, XXXX continued collection activity and transferred the disputed account to MRS BPO. 

On XX/XX/year>, MRS BPO contacted me directly with a settlement offer, stating the alleged balance was {$840.00} plus {$150.00} in fees, for a total of {$1000.00}, and offering a reduced payoff of {$600.00}. This communication was sent directly to me despite notice of attorney representation and without ever providing the legally required validation. Neither XXXX nor MRS BPO updated credit reporting to reflect that the debt was disputed. 

These actions constitute violations of federal law, including : 15 U.S.C. 1692g ( b ) : continuing collection activity without validation after a timely written dispute.

15 U.S.C. 1692f : unfair practices by transferring a disputed debt.

15 U.S.C. 1692e ( 8 ) : failure to mark the tradeline as disputed in credit reporting.

15 U.S.C. 1692c ( a ) ( 2 ) : direct communication with the consumer despite attorney representation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
citi charged a {$10.00} cash advance fee for a PURCHASE I made from XXXX  using my citibank card on XXXX. It was a purchase not a cash advance. Look online and you will see that this is a common occurence with citibank and some others. Citi told me they would refund it and they have not. They are doing this to probably thousands of people.

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 2025-11-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Manhattan Beach Venture, LLC
State: OR

Complaint narrative:
XXXXI find out my ex husband trying to used my Name to get loans'

Company response to consumer: Untimely response
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
THIS ACCOUNT RESULTS FROM UNAUTHORIZED USE OF MY INFORMATION.

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 2025-11-15 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-11-15 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: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery ( XXXX. XXXX XXXXXXXX XXXX  ) ( Acct # XXXX ) : XXXX : {$7800.00} collection ( updated XX/XX/year> ) labeled debt buyer. 
XXXX : {$7800.00} with differing status coding. 
XXXX  : {$7800.00} with missing payment history ( Portfolio RC ). 
Inconsistent classification and incomplete data violate 607 ( b ) ; verify or delete under 611 ( a ) ( 5 ). 


XXXX XXXX ( XXXX XXXX ) ( Acct # XXXX ) : XXXX : {$290.00} unpaid, no history. 
XXXX  : {$290.00} unpaid, incomplete details. 
XXXX : {$290.00} Placed for collection, updated XX/XX/year> Inconsistent/missing details violate 609 ( e ) and 607 ( b ) ; verify or delete under 611 ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: NY

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim.

As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent HARD INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent HARD INQUIRIES from my credit report. 
HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation