vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I am requesting that Experian RentBureau and XXXX permanently remove the fraudulent account from my credit report. I have disputed this account multiple times most recently in XXXX of this year and previously submitted an FTC Identity Theft Report to support my claim. Despite this, Ive only received generic responses stating the account was verified, without any valid documentation linking the account to me. 

Experian RentBureau has failed to protect me or follow the laws and guidelines outlined under federal identity theft protections, including their responsibilities under the Fair Credit Reporting Act ( FCRA ). Their repeated failure to conduct a proper investigation and provide proof violates my consumer rights under 15 U.S. Code 1681i.

As a fair resolution, I am requesting the following : Permanent removal of the fraudulent account from all credit reporting systems.

Written confirmation that the account has been deleted.

A guarantee that no further reporting of this account will occur.

That any third party who accessed this inaccurate information be provided with an updated record.

An internal review of Experian RentBureaus and XXXX procedures for handling identity theft claims.

I am not seeking anything beyond what is legally owed to me the enforcement of my rights under the FCRA.

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 2025-06-14 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:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX TV XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2025-06-14 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This complaint is submitted against Equifax and the debt collector Credit Collections, regarding the account listed as : Account Name : Credit Collections Account Number XXXX XXXX This account is being reported on my credit file in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



Violations : XXXX. Failure to Provide Required Disclosures Prior to Reporting Collection Under both federal and state consumer protection laws, a debt collector is required to provide written notice and disclosures before reporting a collection account to the credit bureaus. I did not receive any state-mandated disclosures, nor was I notified in writing by Credit Collections regarding this alleged debt before it appeared on my consumer report.

This failure violates : 15 U.S.C. 1681s-2 ( a ) of the FCRA, which prohibits the reporting of information without proper investigation and accuracy ; 15 U.S.C. 1692g ( a ) of the FDCPA, which mandates a debt collector to send a written notice containing the amount of the debt, the name of the creditor, and the consumers right to dispute within XXXX days of initial communication.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion and Experian for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Specifically, Equifax is reporting the account as " pays account as agreed '' with a " 30 days late '' and " 60 days late '' payment grid. Experian is reporting " paid, closed '' status code with " past due 30 days '' and " past due 60 days '' payment grid. TransUnion is reporting " paid or paying as agreed '' with a " 30 days late '' and " 60 days late '' payment grid, as well as an inaccurate account number written as " XXXX ''. These reports are inaccurate and need to be updated to reflect " paid on time '' and " paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " paid on time '' or " current '', and the worst delinquency status be updated according to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the fair credit reporting act ( FCRA ), particularly section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of the 15 U.S. Code 1681b ( 2 ), which mandates that the consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any action taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered not later than 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red/blue for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( Mo ) 281 SW 715,719, I presum that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Reporting inaccurate information, inquiries, and late payments

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 2025-06-14 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( Mo ) 281 SW 715,719, I presum that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Reporting inaccurate information, inquiries, and late payments

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 2025-06-14 00:00:00
Product: Debt collection — Credit card 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: OR

Complaint narrative:
Midland Credit Management has continued to report and collect on a disputed account originally from XXXX, despite never providing lawful validation as required under FDCPA 1692g ( b ). I requested full validation in XX/XX/XXXX, reiterated the failure to validate in XX/XX/XXXX, and issued a final legal notice in XX/XX/XXXX. They failed to provide chain of title, an itemized accounting, or a valid contract. In retaliation, Midland updated my credit report in XX/XX/XXXX with derogatory notations, despite being legally prohibited from doing so during an unresolved dispute. 

They also escalated the account to attorneys without notifying me, failed to restart the XXXXday dispute window, and have caused measurable damage to my credit profile as I prepare for a major purchase. This is a clear violation of FDCPA 1692g and 1692e, and a potential FCRA 623 violation for furnishing inaccurate and harmful information after dispute. Documentation of all letters, their responses, and the resulting credit report damage is attached. 

I request immediate removal of this account from all credit bureaus and cessation of collection activity. Midlands conduct is malicious, retaliatory, and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: 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 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 2025-06-14 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 was checking my credit report and found this that I don't recognize. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: NY

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
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 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 2025-06-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone, possibly a close family member, used my identity to create an account without my consent or knowledge. Per 15USC1681c-2 I request this collection be removed within four business days. 

XXXX XXXX Account number XXXX Date closed XX/XX/year> 2019

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 2025-06-14 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: CT

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 2025-06-14 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: CT

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 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 2025-06-14 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 am submitting this complaint because multiple inaccurate and outdated addresses continue to appear on my credit report, despite my repeated disputes and providing valid proof of my current residence. 

The credit bureaus are still associating closed and/or charged-off accounts with my former address. I submitted a formal dispute along with government-issued ID and supporting documentation that clearly shows my current address. I am submitting a valid government-issued ID along with proof of my current residence as shown on my auto insurance policy. My drivers license is in the process of being updated. 
The companies failed to remove the old address and did not provide a valid method of verification or any documentation proving that the former address is still relevant or accurate under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I disputed three accounts reported under my old address : A charged-off account from XXXX reported with a balance of {$14000.00} A closed and paid XXXX XXXX ( XXXX  ) account that still shows negative payment history A utility charge-off from XXXX XXXX for {$370.00} I requested the deletion of these accounts and the old address from my credit file under FCRA Section 602 ( A ) and 1681i, citing that the accounts are obsolete, unverifiable, and continue to report misleading or outdated information that does not reflect my current creditworthiness. 

Despite providing sufficient evidence and requesting the method of verification, the companies failed to act within the 30-day dispute window as required by law. As a result, I am now requesting the CFPBs assistance in enforcing compliance and ensuring these outdated addresses and associated accounts are permanently removed.

This issue is affecting my ability to secure housing, employment, and financial stability. I am prepared to pursue further legal action under FCRA Sections 1681n and 1681o for willful or negligent noncompliance if not resolved.

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 2025-06-14 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: GA

Complaint narrative:
I am filing this complaint regarding the failure of the major credit bureausEquifax, Experian, and TransUnionto properly investigate and resolve my disputes concerning inaccurate and/or unverifiable information on my credit report.

These unresolved inaccuracies are negatively affecting my creditworthiness and have caused unnecessary financial hardship, XXXX, and difficulty obtaining credit and essential services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a bank account with Bank of America. I had XXXX account associated with it. On XX/XX/XXXX, I realized that there are XXXX $ withdrawal from my XXXX account. At XXXX different times and each time XXXX XXXX In total XXXX XXXX Normally, when I initiate XXXX XXXX, I do get confirmation text message from Bank of America. But for these XXXX transactions, I didnt receive a text message. I realized these transactions very late on XX/XX/XXXX, and I changed my XXXX password. I opened a claim with Bank of America, after few days they got back to me without resolving the problem. They asked me for proof and I am not sure what kind of proof I can submit. The only proof is me changing my XXXX ID. Because my XXXX ID and password was stolen, I have strong belief that the person used my Apple ID and password on their own device and left no traces of stealing my money.

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