vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-19 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:
I am writing to dispute the presence of an unauthorized account that does not belong to me. I have never opened, used, or been associated with this account in any capacity.

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 2025-07-19 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally request the deletion of the following accounts from my credit report : Midland Credit Management LLC # XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), your agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, if an item of information is found to be inaccurate or can not be verified after a reinvestigation, it must be promptly deleted or modified. Given that I believe these accounts are inaccurate or unverifiable, I request that your agency conduct a reinvestigation of these items. If, after the reinvestigation, the accounts are found to be inaccurate or can not be verified, I request that they be promptly deleted from my credit report, as required by law. Please also promptly notify the furnishers of this information of any modifications or deletions made as a result of your reinvestigation. Enclosed are copies of supporting documents for your review. Thank you for your prompt attention to this matter. I look forward to your confirmation that these accounts have been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NY

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 explanation
Consumer complaint received 2025-07-18 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: MO

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 2025-07-18 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: MO

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 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity and opened these accounts listed on the ftc report. I have never gave anyone permission or authorization to open these accounts in my name without permission or authorization. Inquiries are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-07-19 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 filing this complaint against TransUnion LLC for reporting and verifying inaccurate payment history regarding my XXXX XXXX account ending in XXXX. I submitted multiple certified disputesover five separate occasionsalong with official XXXX XXXX billing statements and transaction records clearly proving that the 30-day late payment reported for XXXX XXXX is false. 

The payment due date for the XXXX XXXX XXXX XXXX XXXX billing cycle was XXXX XXXX XXXX A payment was posted on XXXX XXXX XXXXjust 11 days past the due date. According to the Fair Credit Reporting Act ( FCRA ), a 30-day delinquency can not be reported unless the payment is at least 30 full days late. This standard was not met.

Despite receiving this clear evidence, TransUnion failed to conduct a reasonable investigation and has not provided any proof of the delinquency, the due date, or the verification source used. Instead, TransUnion has continued reporting this derogatory mark and verified it multiple times, even after being notified of its inaccuracy. This inaccurate entry has resulted in at least four credit denials and a measurable drop in my credit score. 

Notably, XXXX deleted the same disputed account after reviewing the same evidence, highlighting TransUnions uniquely negligent and harmful conduct. 

TransUnions actions violate the following sections of the FCRA : 1681e ( b ) Failure to ensure maximum possible accuracy 1681i ( a ) Failure to conduct a reasonable reinvestigation 1681i ( a ) ( 7 ) Failure to provide a description of the verification procedures 1681n & 1681o Willful and negligent noncompliance Supporting documentation, including billing statements, dispute letters, and denial notices, is attached to this complaint.

I have kept detailed records of all disputes, communications, and responses. TransUnions pattern of noncompliance demonstrates willful disregard of my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: TN

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 explanation
Consumer complaint received 2025-07-19 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: IN

Complaint narrative:
On XX/XX/XXXX. 2025 XXXX XXXX obtained information from the states website and sent it over to theirs party agencies without my consent and prior knowledge. 15 U.S. code 1681 A-4 explains that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My XXXX XXXX  bankruptcy information was shared on multiple platforms. Causing to mess with my public confidence.

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 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Five Lakes Law Group PLLC
State: IL

Complaint narrative:
I enrolled in a debt settlement program with Five Lakes. I deposited over {$46000.00} and they withdrew over {$45000.00}, of which nearly {$33000.00} was categorized as fees. Only one small account was resolved. I am still in debt with two creditors. I believe I was misled and the fees are excessive and unfair. I request a full investigation and restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : 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 explanation
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute the reporting of a charge-off account listed under the following details : Company : XXXX  XXXX Account Number : XXXX ( CREDIT account ) Reported Balance : {$1200.00} This account has been reported as a collection/charge-off and is currently affecting my credit score negatively. The reporting of this account is incorrect, as I still see a balance listed after it was charged off. I urge your agency to reinvestigate this matter and provide any missing or corrected information. Furthermore, I request a detailed explanation as to why there is a past due balance being reported while the account is simultaneously listed as a charge-off. This dual status is a known violation of reporting standards. 



Additionally, I see that this account continues to reflect a past due balance, despite being charged off. This inaccurate reporting raises further concern and must be addressed. I strongly urge your agency to conduct a thorough reinvestigation and ensure that all information being reported is correct, fair, and complete. If your investigation determines this reporting to be inaccurate, I request immediate deletion of the account from my credit file due to multiple violations. 



Please be advised that I am maintaining a detailed record of all correspondence and actions taken throughout this process. Failure to respond to this letter or address the mentioned violations within the specified timeframe will result in legal action to protect my rights as a consumer. 



I trust that you will take this matter seriously and respond in a timely and professional manner. I look forward to receiving a satisfactory resolution to this issue. 



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 2025-07-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute the reporting of a charge-off account listed under the following details : Company : XXXX  XXXX Account Number : XXXX ( CREDIT account ) Reported Balance : {$1200.00} This account has been reported as a collection/charge-off and is currently affecting my credit score negatively. The reporting of this account is incorrect, as I still see a balance listed after it was charged off. I urge your agency to reinvestigate this matter and provide any missing or corrected information. Furthermore, I request a detailed explanation as to why there is a past due balance being reported while the account is simultaneously listed as a charge-off. This dual status is a known violation of reporting standards. 



Additionally, I see that this account continues to reflect a past due balance, despite being charged off. This inaccurate reporting raises further concern and must be addressed. I strongly urge your agency to conduct a thorough reinvestigation and ensure that all information being reported is correct, fair, and complete. If your investigation determines this reporting to be inaccurate, I request immediate deletion of the account from my credit file due to multiple violations. 



Please be advised that I am maintaining a detailed record of all correspondence and actions taken throughout this process. Failure to respond to this letter or address the mentioned violations within the specified timeframe will result in legal action to protect my rights as a consumer. 



I trust that you will take this matter seriously and respond in a timely and professional manner. I look forward to receiving a satisfactory resolution to this issue. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX Security Number XXXX XXXX Date of Birth : XX/XX/ This CFPB complaint has been filed to request pursuant to FCRA 605C ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have submitted all my human trafficking documents which is proof that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation