vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This record is not an accurate reflection of my financial conduct. Please investigate and update my report as needed.

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 2025-11-25 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: VA

Complaint narrative:
I am disputing the following items on my Equifax credit report. The accounts listed below are inaccurately reported as " charged off '' and should be investigated for possible discrepancies. Additionally, the inquiries listed have affected my credit score and need to be verified. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MS

Complaint narrative:
I am writing to formally dispute inaccuracies found in my TransUnion credit report. These discrepancies appear to violate the Fair Credit Reporting Act ( FCRA ), and I am concerned about a potential data breach. The data reported does not match my records or the records of the original creditors. 
Disputed Accounts : 1. XXXX XXXX XXXX XXXX Account Number : XXXX o Reported Balance : {$1500.00} o Account Status : Collection/Chargeoff o FCRA Violations : Incorrectly reported as " open '' instead of " closed. '' o Potential Data Breach : Discrepancies in data suggest possible unauthorized reporting. 
2. XXXXXXXX XXXX XXXX Account Number : XXXX o Reported Balance : {$250.00} o Account Status : Collection/Chargeoff o FCRA Violations : Account reported as " open '' when it should be closed. 
o Potential Data Breach : Mismatched data indicates unauthorized access or errors in reporting. 
3. XXXX XXXX Account Number : XXXX o Reported Balance : {$1300.00} o Account Status : Collection/Chargeoff o FCRA Violations : Incorrect reporting of balance and charge-off status. 
o Potential Data Breach : Discrepancies with the original creditors report suggest unauthorized changes to the account. 
4. XXXX XXXX XXXX Account Number : XXXX o Reported Balance : {$0.00} o Account Status : Collection/Chargeoff o FCRA Violations : Incorrectly marked as paid profit and loss. 
o Potential Data Breach : Potential unauthorized reporting. 
5. XXXX XXXX Account Number : XXXX o Status : Positive o FCRA Violations : Missing full details of the positive account listing.

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 2025-11-25 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-11-25 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: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Despite my efforts to resolve this issue directly with the reporting entities, these accounts remain incorrectly listed on my credit report, and I have not received adequate verification or documentation substantiating their accuracy. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. I have already requested that the credit reporting agencies and the creditors involved conduct a thorough investigation. However, they have either failed to provide sufficient documentation or have not taken appropriate action to resolve the inaccuracies.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XX/XX/year> To Whom It May Concern, I am writing in response to your [ letter/phone call ] dated [ insert date ], regarding the alleged debt referenced above. This is not a refusal to pay, but a notice that I dispute this debt. 
Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and New York State law, I request that you provide proper validation of this debt. Specifically, please provide : 1. The amount of the alleged debt and how it was calculated. 
2. The name and address of the original creditor. 
3. Documentation that I am legally obligated to pay ( such as a copy of the signed contract or agreement ). 
4. An itemized statement of any interest, fees, or other charges added to the balance. 
Please also note the following : I request that you communicate with me only in writing. Do not contact me by phone. 
If you have reported this debt to any credit reporting agency, please mark it as disputed until proper validation is provided. 
Please send the requested documentation to the mailing address listed above. 

XX/XX/year> midland issued a lawsuit against me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NC

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 non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
please see all attached documents. This collector was notified and confirmed reciept by certified mail on XX/XX/year>. The place this information on my credit file on XX/XX/year> without responding to my request of debt validation. XXXX letter as you will see attached said I could write and request such by XX/XX/year>. This is false and misleading any one knows if they recieved my request on XX/XX/year> that wasn't enough time to provide me with any proper notification of any request I made I'm in Texas they are in Virginia.

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 2025-11-25 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: MI

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
THIS ACCOUNT HAS CHARGED OFF STATUS AN YET THERE IS A PAST DUE BALANCE SHOWING ON THE REPORT, IT IS A VIOLATION? I URGED THE AGENCY TO DO A REINVESTIGATIONON THIS ACCOUNT TO ENSURE THAT CORRECT, FAIR AND COMPLETE REPORTING IS GIVEN. I DONT BELIEVE THE STATUS ON THIS ACCOUNT IS ACCURATE EITHER. DELETE IT DUE TO MULTIPLE VIOLATIONS

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I applied online for a new checking account. I received an email informing me that they could not accommodate my request to establish a new account and to contact them if I had any questions. I called the number provided and the representative advised me that they could not give me a reason as to why my request was denied. 

XXXX ID : 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 2025-11-25 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: FL

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 2025-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I contacted XXXX XXXX regarding a phone that was allegedly purchased on XX/XX/year>, using my stolen identity for {$310.00}. I have no recollection of this transaction, and I only became aware of it after the account was sold to a debt collector ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX who has repeatedly contacted me and sent letters demanding payment. I requested proof of purchase from the debt collector, including a signed contract and receipt, but nothing has been provided. Despite the lack of verification, this account was reported to the credit bureau and has significantly impacted my credit score. 

I recently contacted XXXX XXXX by phone, and and made them aware of the situation. I was told that the signature that appears in the contract does not have my name and therefore this was a case of identity theft. I reached out to the credit Bureau, and placed a fraud alert in my credit file. I was informed that I should also file a report with the FTC and were forwarded to CFPB site.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXXXXXX XXXX XXXX a hard inquiry was submitted by XXXX on my TransUnion credit report. On XX/XX/XXXX i called TransUnion to dispute the hard inquiry on my credit report. Fast forward to XX/XX/XXXX its still remains on my credit report although I never authorized them to run 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 2025-11-25 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of several accounts on my credit report under my Equifax credit file. I have identified the following accounts that I believe are reported incorrectly, and I request an immediate investigation into these issues. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} Late Payments : XXXX, Account Number : XXXXXXXX XXXX Account Number : XXXX I request that these entries be thoroughly reviewed and updated accordingly, as they may not reflect the accurate status of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: VA

Complaint narrative:
b'On XXXX around XXXX XXXX I attempted to call customer service. I had issue even locating the phone number on their website and when I called the XXXX XXXX number it asked for my social security number which I entered. It then transferred me to a customer service rep named XXXX from the XXXX. I asked for an English speaking person and she refused to transfer me. I have privacy concerns with sharing my data with other countries and I have been unable to request a new card, to close this account to access this account online or to do any business yet US Bank is still sending me emails even though I do not have any way to access my checking savings or credit card accounts. I have attempted to change my information and they refuse to allow me to speak to somebody.'

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 2025-11-25 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: AR

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to file a complaint regarding incorrect information on my credit report. The following accounts are being reported with late payments, which is inaccurate : XXXX Account XXXX, High Balance {$680.00}, Date Opened XX/XX/XXXX XXXX, Account XXXX, High Balance {$770.00}, Date Opened XX/XX/XXXX XXXX, Account XXXX, High Balance {$720.00}, Date Opened XX/XX/XXXX I have never made late payments on these accounts. 

Additionally, my address is being reported incorrectly as : XXXX XXXX XXXX XXXX XXXX, NJ XXXX I request that the CFPB investigate these inaccuracies, instruct the credit reporting agencies to correct the information, and ensure my credit report reflects the correct account history and address. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-11-25 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: IL

Complaint narrative:
I am disputing the following accounts and entries reported by TransUnion that appear to be incomplete or inaccurate. I request that these accounts be thoroughly reviewed and updated according to the FCRA. 

XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$22000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$22000.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX, Balance : {$6400.00}

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