vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: NJ

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-10 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: WA

Complaint narrative:
I am disputing the following charged-off accounts due to discrepancies in reporting. These accounts should be updated to reflect accurate status information or removed if the reporting does not meet FCRA guidelines.

CHARGED OFF ACCOUNTS XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Issue : The account is reported as charged off, but I believe it may not meet the proper reporting standards. Please verify and provide documentation showing the validity of this charge-off. 

XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Issue : Discrepancy in reportingplease verify the accuracy of the reported charge-off status and balance. 

XXXX XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$840.00} Issue : Discrepancy in the reported balance. I request verification of the charge-off status and balance. 

XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$640.00} Issue : Please verify the accuracy of this charge-off account and its reporting details. 

LATE PAYMENTS XXXX XXXX XXXX XXXX Account Number : XXXX Issue : Discrepancy in the reported late payments. Please clarify and provide verification. 

XXXX Account Number : XXXX Issue : Please verify the accuracy of the reported late payment history for this account. 

XXXX XXXX XXXX Account Number : XXXX Issue : Discrepancy in the reported payment history. Please provide accurate records of payments. 

XXXX XXXX XXXX Account Number : XXXX Issue : Please verify the accuracy of the late payment records for this account.

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 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This debt is not mine I do not owe this company Midland credit management inc. I have been harassed and contacted after asking this company not to contact me. This company says I owe them XXXX dollars which I don't I have never held an account with this company. In the past I Have Requested for them to remove this item as it is effecting my credit. I am asking them to no longer contact me and to remove the collection off of my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
It doesnt accurately portray my financial stance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-10 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 filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-10 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:
Make sure disputed accounts are cleared within the legally specified time frames.

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 2025-11-10 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Collection Account and Violation of FCRA ( 15 U.S.C. 1681b ) I am writing to formally dispute a derogatory collection account that appears on my credit report. The information reported is inaccurate, incomplete, and not verified in compliance with federal law under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Upon reviewing my credit reports from XXXX XXXX XXXX XXXX, I have found that the dates associated with these accounts ( XXXX  and NCB ) are inconsistent across all three bureaus. The reported Date Opened, Date of First Delinquency, and Date Updated differ between bureaus, which raises serious questions regarding the accuracy and validity of this information. 

Additionally, the reporting of this derogatory collection account appears to be incorrect and potentially unlawful, as it does not meet the standards for permissible purpose and accuracy required under 15 U.S.C. 1681b and 15 U.S.C. 1681e ( b ). These sections mandate that consumer reporting agencies must ensure the maximum possible accuracy of all information reported and that no information should be included or shared without a legitimate and verifiable purpose. 

Because the reporting contains discrepancies and unverifiable data, I am demanding the immediate deletion or correction of this account from my credit file. Please conduct a full reinvestigation as required under 15 U.S.C. 1681i, and provide me with : 1. The name, address, and contact information of the entity that furnished this information to you ; 2. Documentation used to verify the accuracy of the reported account ; and 3. Written confirmation of deletion if the account can not be fully verified.

Please complete this reinvestigation within the 30-day time frame allowed by law and send me written confirmation of the outcome.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Make certain all disputed accounts are eliminated within the legal time limits.

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 2025-11-10 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-10 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: NC

Complaint narrative:
I am disputing the following information on my TransUnion report. I believe there are errors regarding the charged-off accounts, inaccurate inquiries, and late payments that were reported. Please investigate these items thoroughly and provide an update : Charged Off Accounts : No charged-off accounts listed for dispute.

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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Late Payments : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX  - Account Number : 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this statement to dispute certain accounts on my credit report that I believe are inaccurate. I request that these items be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below is a list of the accounts I am disputing, separated by credit bureau.

Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$7000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$8100.00} Inquiries : XXXX Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: NC

Complaint narrative:
I am disputing the following information on my Equifax report. There are accounts marked as charged-off, inaccurate inquiries, and late payments that I believe were reported incorrectly. I request a thorough investigation of the following : Charged Off 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I

previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: KY

Complaint narrative:
I am requesting that Experian reinvestigate the following items. If the information can not be verified with full documentation, I am requesting immediate correction or removal. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX Acct : XXXX These late payments may be inaccurate or unverified. If they can not be substantiated with proper documentation, I request removal.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
I am disputing the following charged-off accounts that have been inaccurately reported on my Equifax credit report. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, {$66000.00} EQUIFAX - LATE PAYMENTS I am disputing the following late payments that have been inaccurately reported on my Equifax credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDNELNET, XXXX DEPTEDNELNET, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
I am writing to formally dispute and file a complaint regarding inaccurate information being reported on my credit file. Specifically, my credit report shows an incorrect address : Incorrect Address : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX This address is either incorrect or being misused in connection with my credit history. The presence of this inaccurate information on my credit report is misleading and potentially damaging to my creditworthiness.

I have never lived at this address, and I have no association with it in any capacity. I request the following actions to be taken immediately : Conduct a thorough investigation into this inaccurate information.

Permanently remove or correct the address from all credit reporting agencies where it appears.

Provide written confirmation of the completion of this investigation and the corrective action taken.

This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete information. I expect a prompt and thorough resolution.

Thank you for your immediate attention to this matter. Please contact me if any additional information is required to resolve this complaint.

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 2025-11-10 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:
I am filing this formal dispute to address several discrepancies I have identified in my credit report. These discrepancies pertain to inaccurate reporting of charged-off accounts, late payments, and other items that I believe require investigation and correction. Below are the details of the disputed accounts as reported by TransUnion.

Charged Off Accounts : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Dispute Reason : The reported balance and status of the account are incorrect. The charge-off status is inaccurate, and I request a review to correct this. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Dispute Reason : This account should not be reported as charged off. I have made payments, and the balance is not as stated in the report. Please update the account status accordingly.

Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Dispute Reason : The balance on this account is inaccurate. I request that the balance be reviewed and updated to reflect the correct amount.

Late Payments : Account Name : XXXX XXXX XXXX Account Number : XXXX Late Payment Date : [ Insert Date ] Dispute Reason : The reported late payment is incorrect. I am requesting verification of this item, as I believe it does not accurately reflect my payment 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 non-monetary relief
Consumer complaint received 2025-11-10 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: MD

Complaint narrative:
I am disputing the following accounts that may have incorrect or incomplete reporting and request a thorough investigation to ensure the accuracy of the information provided. 

Charged Off Accounts : XXXX FCU Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Bankruptcy Case Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00}

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 explanation