vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am writing to formally dispute the accuracy of a Midland Credit collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, Midland Credit would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: LA

Complaint narrative:
This is a follow-up complaint regarding the inaccurate reporting of a charge-off account from XXXX XXXXXXXX - Account XXXX : XXXXXXXX XXXX XXXX  - Balance : {$1100.00} * * on my Equifax credit report. Despite my initial dispute, this account continues to be inaccurately reported, which is deeply concerning given Equifax 's recent history of failing to conduct proper investigations. In a recent lawsuit, the Consumer Financial Protection Bureau ( CFPB ) alleged that Equifax engaged in sham investigations, violating their obligations under the FCRA. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected.

Given this context, it is particularly troubling that Equifax has not resolved this issue, potentially ignoring critical legal requirements and failing to uphold their responsibility to ensure maximum possible accuracy. This ongoing inaccuracy has caused me significant financial harm, impacting my ability to secure fair lending opportunities and maintain a stable financial standing. I am deeply concerned that XXXX flawed verification processes may be contributing to this ongoing issue, resulting in unjust financial harm and reputational damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Im being charged monthly through my XXXX XXXX by Experian, but I never signed up for their services. I do not have an account or login with Experian. There is nothing in my XXXX ID subscriptions, and I never authorized these transactions. 

When I contacted Experian, they tried to get me to create a new account and refused to help unless I gave personal information. Theyve since blocked me from speaking with a live agent. 

This is financial fraud, and I want a full refund and for all billing tied to me to be permanently stopped.

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 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Urgent Request for Immediate Removal of Fraudulent inquiries Due to Identity Theft To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent accounts from my credit report. These accounts were opened or used without my authorization as a result of identity theft. I have attached a copy of my Federal Trade Commission ( FTC ) identity theft report as supporting evidence. 

The following inquiries must be removed immediately : XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be permanently removed from my credit file with no delays. These accounts are fraudulent, and I am not responsible for any activity associated with them. 

Enclosed Documents : 1. FTC Identity Theft Report 2. Copy of my government-issue This matter is urgent, and I expect a prompt resolution. If these fraudulent accounts are not removed immediately, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Please send a written confirmation once these accounts have been removed. If you refuse to remove them, provide a detailed explanation of your investigation and the evidence used to verify these accounts. 

Thank you for your immediate attention to this matter. I can be reached at the contact information above if further clarification is needed. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MO

Complaint narrative:
In XX/XX/year>, the debt collector company I.C.System Inc. put a collection in my credit report. They claim I owe {$67.00} to XXXX. I was never contacted by the collector by any meansphone, mail, or emailregarding the alleged debt. There was no communication or outreach before further actions were taken. I have never received any documentation or explanation identifying the origin or details of this debt. Because I was never notified about this alleged debt, I was not given a fair opportunity to dispute it within the timeframe guaranteed by law. I was denied my right to challenge or validate the claim before any action was taken. The collector placed the alleged debt on my credit report without informing me beforehand. This has caused damage to my credit, and I had no prior warning or chance to resolve or dispute the issue before it was reported.

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 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: CA

Complaint narrative:
The company bullcity financial sol bought debt and decided to put the debt on a person with the same name. The original bill is a bill for an address in North Carolina which is an energy bill for resident in XXXX, which I never lived in. I have uploaded a FTC identity fraud report to this dispute. Now the company bullcity are asking for my electric bill in California where I lived at for 15 years straight in the same house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 2025-05-14 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally document an unresolved issue regarding a refund from XXXX XXXX XXXX in the amount of {$180.00}, which remains unpaid due to complications involving Suncoast Credit Union. 

XXXX has confirmed that a refund was issued for the following XXXX order numbers : Order # XXXX Order # XXXX This refund was processed back to my Suncoast Credit Union account, which was closed in XX/XX/year>. Because the account was no longer active, the funds were never received by me. XXXX has requested a formal refund rejection letter from XXXX in order to reclaim the funds and reissue the refund through an alternative method. However, Suncoast Credit Union has refused to complete and fax this letter to XXXX, which is preventing the refund from being reissued. 

Despite returning the merchandise to XXXX in good faith, I remain without my {$180.00}. As someone who is XXXX, this situation has caused undue stress and has negatively impacted my financial well-being. This experience has been deeply frustrating and unnecessarily complicated by a lack of cooperation from the XXXX XXXX. 

I respectfully urge Suncoast Credit Union to assist in resolving this matter by either : Issuing and sending the required refund rejection letter to XXXX, OR Providing written confirmation that the account was closed prior to the refund attempt and that the funds were not accepted or deposited. 

I ask for your compassion and cooperation in this matter. Please help bring this issue to a fair and timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
XXXX XXXX : Notice of TILA Violation and Request for Correction I am writing to formally dispute a violation of the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., in connection with my account referenced above. Based on my review of the documents and disclosures provided, I believe that the creditor has failed to comply with required TILA provisions in the following manner : [ Describe the issue clearly. Examples : ] The Annual Percentage Rate ( APR ) disclosed in the agreement does not match the rate actually being charged.

Finance charges and fees were not fully disclosed.

I did not receive the required Notice of Right to Cancel ( rescission notice ).

The loan terms changed without proper notice or consent.

These errors are material and violate my rights under TILA. I respectfully request the following : A written explanation and correction of the identified issue ( XXXX ) A full account history and corrected disclosures Suspension of any negative reporting or collection actions while this dispute is under review Confirmation in writing that the matter has been resolved or that the error has been corrected Please treat this letter as a formal dispute under TILA and related consumer protection laws. I am also sending a copy to the Consumer Financial Protection Bureau ( CFPB ) and may take further legal action if the matter is not resolved promptly.

Please respond in writing within 30 days of receipt of this letter, as required by federal law. 
XXXX change my pay history multiple times with no proof of how and what you did, I have got nothing in writing from ur correction I would like proof so I can do my investigation 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 non-monetary relief
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the continued reporting of inaccurate and damaging information by XXXX XXXX XXXX across all three major credit bureaus. 

XXXX has falsely reported multiple XXXX late payments over consecutive months, which is not only factually incorrect but also not permitted under standard credit reporting guidelines. I have clear proof of payments made during these periods that directly contradict their reporting. I have disputed this information repeatedly with Experian, Equifax, and TransUnion over the past XXXX years, but each time it has come back verifieddespite my evidence showing otherwise. 

Furthermore, I filed for XXXX XXXX XXXX on XX/XX/year>, and XXXX was included in the filing. Despite this, they continue to report the account with negative payment history, which is inappropriate and further suppresses my credit score, hindering my ability to rebuild financially. 

I have attached a screenshot of the inaccurate payment history, and I can provide proof of payment and bankruptcy documentation upon request. 

Thank you for your attention and prompt resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: MD

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the continued reporting of inaccurate and damaging information by XXXX XXXX XXXX across all three major credit bureaus. 

XXXX has falsely reported multiple XXXX late payments over consecutive months, which is not only factually incorrect but also not permitted under standard credit reporting guidelines. I have clear proof of payments made during these periods that directly contradict their reporting. I have disputed this information repeatedly with Experian, Equifax, and TransUnion over the past XXXX years, but each time it has come back verifieddespite my evidence showing otherwise. 

Furthermore, I filed for XXXX XXXX XXXX on XX/XX/year>, and XXXX was included in the filing. Despite this, they continue to report the account with negative payment history, which is inappropriate and further suppresses my credit score, hindering my ability to rebuild financially. 

I have attached a screenshot of the inaccurate payment history, and I can provide proof of payment and bankruptcy documentation upon request. 

Thank you for your attention and prompt resolution of 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 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: OH

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy and validity of an account listed on my credit report : Creditor : Absolute Resolutions Investments , LLC Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} Reported On Behalf Of : XXXX XXXX XXXX XXXX I do not recognize this debt and have not been given a proper opportunity to verify or dispute the account prior to it appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am requesting : XXXX. XXXX of the debt, including full account history, signed contracts, and itemized statements ; XXXX. Proof of legal ownership and the right of Absolute Resolutions to collect and report this debt ; XXXX. Proof that I was properly notified of the debt transfer and provided a clear validation of debt in a timely manner with copy of my signature for debt transfer acknowledgment If the account can not be fully validated within the required time period under the FCRA, I request it be immediately deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against XXXX XXXX Department of Education for harmful and inaccurate credit reporting tied to a federal data breach. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Department of Government Efficiency ( DOGE ) reportedly gained unauthorized access to internal systems of the U.S. Department of Education. These systems included the federal XXXX XXXX database. My personal data was part of that breach. 

As a result, I believe the following XXXX XXXX accounts are now inaccurately reporting 120-day late payments, all with the same last payment date ( XXXX XXXX XXXX  ). I did not receive proper notice, deferment validation, or confirmation of delinquency. This raises serious concerns of FERPA violations and mishandled data under the Fair Credit Reporting Act ( FCRA ). 

Accounts to Be Deleted Immediately : DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$2100.00} Past Due : {$59.00} DEPT OF EDUCATION/XXXX Opened XXXX XX/XX/XXXX Balance : {$2300.00} Past Due : {$56.00} DEPT OF EDUCATION/XXXX  Opened : XX/XX/XXXX Balance : {$2600.00} Past Due : {$62.00} DEPT OF EDUCATION/XXXX Opened : XX/XX/XXXX Balance : {$2000.00} Past Due : {$64.00} DEPT OF EDUCATION/XXXX  Opened : XX/XX/XXXX Balance : {$1900.00} Past Due : {$50.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$3400.00} Past Due : {$88.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$2300.00} Past Due : {$56.00} DEPT OF EDUCATION/XXXX  Opened : XX/XX/XXXX Balance : {$1100.00} Past Due : {$31.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$640.00} Past Due : {$18.00} DEPT OF EDUCATIONXXXX Opened : XX/XX/XXXX Balance : {$2100.00} Past Due : {$59.00} These accounts are now damaging my credit score and financial standing unfairly. I respectfully request the immediate deletion of these accounts from all credit reporting agencies ( XXXX, TransUnion, XXXX XXXX  and a full investigation into their validity post-breach. 

If no valid, verified documentation can be provided, they must be deleted in accordance with FCRA obligations.

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