vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX SUNRISE CREDIT SERVICES XXXX XXXXXXXX XXXX XXXX, NY, XXXX Subject : Debt Validation Request under 15 USC 1692g Dear [ Debt Collector 's Name or Agency ], I am writing in response to your communication regarding an alleged debt, account number [ insert account number if known ]. I do not acknowledge this debt and am exercising my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) to request proper validation. 

Please provide me with the following : The name and address of the original creditor The original account number The amount of the alleged debt A copy of the signed agreement or contract creating the obligation A complete accounting of how the alleged amount was calculated Verification that you are authorized to collect this debt in my state Proof that you are reporting this debt accurately to credit bureaus Furthermore, if this debt is being reported to any credit bureau, be advised that under 15 U.S.C. 1681s-2, you are required to only furnish accurate and verifiable information. Until this matter is resolved, I formally request that you cease all collection activity, including credit reporting. 

If you can not provide the requested validation, you must cease collection efforts and delete any related entries from my credit report with all major credit bureaus ( XXXX XXXX XXXX XXXX XXXX 

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 2025-08-09 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:
Inaccurate accounts, 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 explanation
Consumer complaint received 2025-08-09 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: MS

Complaint narrative:
Personal Statement Unauthorized inquiries XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Personal Statement Unauthorized inquiries XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lloyd & McDaniel, PLC
State: FL

Complaint narrative:
Lloyd and McDaniel, PLC sued me on behalf of XXXX XXXX for an over {$6000.00} debt that I owed, which is understandable. I immediately contacted Lloyd and McDaniel, PLC to create a payment plan for me to pay the debt. The payment plan was verbally agreed upon, and I was advised by the legal assistant to make the first payment the following day. I was also told by the legal assistant that I would receive a written agreement and terms of the payment plan for me to sign and submit back to them, and if they received the agreement in time, they would look into canceling the pretrial hearing. It has been almost 3 weeks since then, and I have yet to receive a written agreement for my payment plan. Ive made 2 payments now towards lowering the debt, Ive continuously called them, and they keep stating that they have attempted to send the documents, but I have not received them. I have no issues receiving emails from any other addresses, as the email address I provided is my personal email. Lloyd and McDaniel failed to offer an alternative way for me to receive my documents, so I brought up the suggestion to have the documents faxed, in which they agreed they can do, but still havent done so. It seems that Lloyd and McDaniel is attempting to force the pretrial despite me already agreeing to paying towards the debt, and Im afraid that theyre going to try to hold me at fault for additional court fees involved with preparation for this pretrial despite me already making payments. It is insane the level of hoops I have to go through to get a written agreement for my payment plan after I have been compliant and willing to pay my debt. They technically shouldnt have collected any payments without having a signed agreement, but I made those payments in good faith hoping they would work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
I am filing this complaint because Experian continues to report multiple inaccuracies on my credit report despite my repeated disputes. This is now my fourth round of disputes, and Experian has failed to conduct a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ). These errors are lowering my credit score, damaging my reputation, and preventing me from accessing fair credit opportunities. 

XXXX addresses that have no connection to me are still being reported : XXXX XXXX XXXX XXXX XXXX, NY XXXX, and XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX I have never lived at these addresses, received mail there, or had any legitimate connection to them. The continued reporting of these false addresses violates FCRA 607 ( b ), which requires Experian to follow reasonable procedures to assure maximum possible accuracy. Keeping wrong personal information in my file creates the risk of mixed files and identity confusion. 

Experian is also inaccurately reporting several accounts. The first is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$0.00}, which is listed as a charge-off. This entry is not supported by any verifiable documentation and lacks a clear payment history to justify the status. The second is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$690.00}, which contains false late payment notations. The third is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$470.00}, which also contains late payment reporting that is inaccurate. I have requested verification of these accounts under FCRA 611 ( a ), yet Experian has not provided the name, address, and telephone number of the furnishers, nor the method of verification, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

The repeated appearance of these inaccurate items shows that Experian is either not contacting the furnishers at all or is simply accepting unverifiable data without proper review. This is a clear violation of both FCRA 607 ( b ) and 611. By failing to delete or correct these items after multiple disputes, Experian is willfully disregarding its legal obligations and allowing damaging information to remain on my credit file. 

I am requesting that the Consumer Financial Protection Bureau investigate Experians handling of my disputes, require the permanent deletion of these inaccurate addresses and accounts, and ensure full compliance with all provisions 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 2025-08-09 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: CA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$9700.00}

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
Consumer complaint received 2025-08-09 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$9700.00}

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
Consumer complaint received 2025-08-09 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: U.S. BANCORP
State: TN

Complaint narrative:
U.S. BANK ACCOUNT : XXXX WAS OPENED WITHOUT MY KNOWLEDGE AND IS A DIRECT RESULT OF FRAUD AND IDENTITY THEFT I WAS IN THE PROCESS OF CLOSING A MORTGAGE ON A HOME AND WAS MADE AWARE OF THIS ACCOUNT AND WAS DIRECTED TO PAY OFF OR SETTLE THE ACCOUNT TO BE ABLE TO CLOSE LOAN WITHOUT ANY ISSUES BY THE CLOSING DATE. IN WHICH I REACHED OUT TO US BANK AND AGREED TO SETTLE THE ACCOUNT EVEN THOUGH IT WAS A FRAUDULENT ACCOUNT SO THAT I WOULD ABLE CLOSE ON MY HOME. UPON DOING THIS I WAS TOLD THE ACCOUNT WOULD BE UPDATED AND REMOVED IN WHICH NEITHER HAS BEEN DONE.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
While reviewing my credit report, I discovered accounts that do not belong to me

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 2025-08-09 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:
Several companies have accessed my credit report without my authorization, directly and negatively impacting both my credit and credit score. I previously contacted the credit reporting agency, and a representative assured me that these unauthorized inquiries would be removed ; however, they continue to appear on my report. These potentially fraudulent inquiries are deeply concerning, as they may indicate identity theft, and they have caused significant emotional distress in addition to harming my financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute and demand the removal of inaccurate or unauthorized 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 2025-08-09 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: MS

Complaint narrative:
Personal Statement Unauthorized inquiries XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Bank errors in billing and reporting are negatively impacting my credit standing. Under the Truth in Lending Act ( 15 U.S.C. 1666 ( b ) ), creditors are required to accurately record all payments and credits. However, the following violations have occurred : Payments I made were not properly credited to my account. 

Clear calculation errors appear in the reported balances. 

I was not provided the legally required XXXX notice before a payment was due, rendering any late payment marks invalid. 

These inaccuracies are in direct violation of federal law and have caused unjust harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
It is incredibly upsetting to discover an unauthorized inquiry on my credit report this morning without any explanation. I check my credit regularly, and this sudden change is unacceptable. After confirming it wasnt a glitch by refreshing the page, I need you to go through the documents Ive sent without delay so I can finally move past this stress.

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 2025-08-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: MD

Complaint narrative:
XXXX XXXX XXXX, XXXX AND HELVEY & ASSOCIATES IN are all XXXX  XXXX  junk debt buyer, Chief XXXX XXXX XXXX of the XXXX Supreme Court, in direct violation of the XXXX  of XXXX  XXXX OF XXXX XXXX PENNSYLVANIA, XXXX XXXX XXXX FOR THE XXXX  XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and in jeopardy of fraud by mail for attempting to commit XXXX  conversion and attempted theft of Respondents property for which restitution will be sought. At this time you have set forth XXXX ( XXXX ) predicators of the XXXX ( XXXX ) needed to begin a XXXX lawsuit against you and the other firms listed in the paragraph below.

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 2025-08-09 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-09 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: GA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) and Federal Rule of Bankruptcy Procedure XXXX for multiple violations by Experian in reporting inaccurate and unauthorized information on my consumer credit report. 



Violations & Legal References : 1.FCRA 605B ( 15 U.S.C. 1681c2 ) Experian has continued to report inaccurate and unauthorized collection accounts despite my dispute, failing to block information that I have identified as inaccurate and unverifiable. 
2.Rule 9037 Privacy Protection for Filings Made with the Court Experian is displaying outdated and incorrect personal identifying information that violates privacy protection standards, including multiple prior addresses and names that are not associated with me for permissible reporting purposes. 
3.FCRA 1681e ( b ) Maximum Possible Accuracy Experian has failed to follow reasonable procedures to assure maximum possible accuracy by maintaining and publishing incorrect addresses, names, and collection accounts on my file. 
4.FCRA 1681a ( 4 ) Experian is reporting consumer report information that contains obsolete, unverifiable, and inaccurate data that does not meet the statutory definition of permissible content. 



Details of Inaccuracy : Correct Address : The ONLY address that should be listed on my Experian credit report is XXXX XXXX XXXX, XXXX, XXXX  XXXX. All other addresses must be deleted immediately. 
Correct Name : The ONLY name that should remain on my file is XXXX XXXX. All other names must be deleted immediately. 
Collections : All collection accounts currently listed are disputed as inaccurate, unverifiable, and must be deleted in accordance with FCRA 605B.

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian is failing to report XXXX of my legitimate credit card accounts : an XXXX XXXX card and a XXXX XXXX  card. Both accounts have been open for several months and are in good standing. I have attached documentation proving my ownership of these accounts, including account statements and/or cardholder agreements. 

I recently discovered that Experian has an active fraud alert on my profile that appears to be blocking the reporting of these new accounts. I did not authorize this fraud alert to remain on my account, and it is preventing accurate and complete reporting of my credit profile. 

I am requesting : Removal of the fraud alert from my Experian credit file. 

Immediate addition of my XXXX XXXX and XXXX XXXX  credit card accounts to my credit report with the correct open dates and history. 

This omission negatively impacts my credit score and my ability to obtain credit, and it is a violation of the Fair Credit Reporting Act ( FCRA ) to withhold accurate and complete information from my credit report. 

I expect Experian to promptly correct this and provide written confirmation when the accounts are added and the fraud alert is removed. 



Attachments : Proof of ownership of XXXX XXXX card Proof of ownership of XXXX XXXX  card Proof of account open dates

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