vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: AZ

Complaint narrative:
I am submitting this letter as my third formal dispute regarding inaccuracies on my Experian and Transunion credit report. Despite previous attempts to address these issues, the account in question continues to be reported inaccurately. I am formally requesting a complete reinvestigation of all disputed items in accordance with the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), to ensure that all reported information is accurate, complete, and verifiable. Inaccurate and misleading information reported on my credit file in violation of FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 605 ( c ). Several Accounts are reported inconsistently or without proper validation. I am disputing multiple collection accounts reported inaccurately in violation of FDCPA 809, 807, 808 and FCRA 605 ( a ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX, XXXX XXXX XXXX XXXX Balance XXXX. I am disputing unauthorized inquiries and inaccurate personal information in violation of FCRA 611. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, WA XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX HI XXXX XXXX. The following inquiries do not belong to me and appear to be the result of mixed file or mistaken identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent letters over to the companies and nothing has happened

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
I am submitting this complaint regarding multiple fraudulent items appearing on my credit report, including addresses at XXXX XXXX XXXX, XXXX, IL XXXX and XXXX XXXX XXXX XXXX XXXX, IL XXXX, and accounts or inquiries listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and XXXX XXXX XXXX XXXX two entries ) , none of which I opened, authorized, or recognize, indicating that my personal identifying information has been used fraudulently. I am requesting that immediately block and permanently remove all of these fraudulent items pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), cease furnishing this information to third parties, and ensure these items do not reappear unless can provide documented proof that they are legitimate and not the result of identity theft. I am also requesting that notify all furnishers, creditors, or other consumer reporting agencies of the corrections made, in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( ii ), to ensure that my credit report is accurate and consistent across all platforms

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: IL

Complaint narrative:
I am submitting this complaint regarding multiple fraudulent items appearing on my credit report, including addresses at XXXX XXXX XXXX, XXXX, IL XXXX and XXXX XXXX XXXX XXXX XXXX, IL XXXX, and accounts or inquiries listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and XXXX XXXX XXXX XXXX two entries ) , none of which I opened, authorized, or recognize, indicating that my personal identifying information has been used fraudulently. I am requesting that immediately block and permanently remove all of these fraudulent items pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), cease furnishing this information to third parties, and ensure these items do not reappear unless can provide documented proof that they are legitimate and not the result of identity theft. I am also requesting that notify all furnishers, creditors, or other consumer reporting agencies of the corrections made, in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( ii ), to ensure that my credit report is accurate and consistent across all platforms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
I been going thru identity theft and fraud for years this has been the first time this happened in a while I have never had any contact with this company this credit card was opened XX/XX/year> for almost {$3000.00}

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 2025-11-29 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:
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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MN

Complaint narrative:
I am experiencing significant issues with inaccurate and unverified credit reporting across multiple credit bureaus. The primary issues involve duplicate derogatory entries, unverifiable debts, and outdated charge-offs, which have not been corrected despite previous disputes. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2.

The erroneous credit data has severely impacted my ability to secure loans at favorable rates, potentially affecting employment and housing opportunities. The failure of the credit bureaus and furnishers to rectify these errors despite being notified has exacerbated my financial and personal distress. 

XXXX  Account # : XXXX [ TransUnion, Equifax, Experian ] Issue : Duplicate derogatories and unverifiable debt.

Violation ( s ) : FCRA 1681e ( b ), 1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MN

Complaint narrative:
I am experiencing significant issues with inaccurate and unverified credit reporting across multiple credit bureaus. The primary issues involve duplicate derogatory entries, unverifiable debts, and outdated charge-offs, which have not been corrected despite previous disputes. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2.

The erroneous credit data has severely impacted my ability to secure loans at favorable rates, potentially affecting employment and housing opportunities. The failure of the credit bureaus and furnishers to rectify these errors despite being notified has exacerbated my financial and personal distress. 

XXXX  Account # : XXXX [ TransUnion, Equifax, Experian ] Issue : Duplicate derogatories and unverifiable debt.

Violation ( s ) : FCRA 1681e ( b ), 1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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:
Several accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. 
This inclusion presents inaccurate and misleading information about my financial history, which is entirely unacceptable. 
I take my credit profile very seriously, and the presence of these unauthorized accounts has caused me significant concern. 
I require immediate clarification on why these accounts are appearing on my report and who is responsible for reporting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
I am filing this complaint because Merchants Credit Bureau Inc, acting on behalf of XXXX XXXX XXXX XXXX XXXX has violated multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) in connection with a disputed, unvalidated, and likely unenforceable {$4800.00} early termination fee account. 

Timeline of Violations I disputed the alleged debt multiple times in writing starting XXXX XXXX, XXXX. 

I sent my final cease-and-desist/intent-to-sue notice via certified mail on XX/XX/XXXX. 

Despite receiving my written dispute, the collector failed to provide proper validation as required under FDCPA 15 U.S.C. 1692g ( b ). 

They provided ONLY a copy of the contract and email thread, which does not satisfy debt validation requirements ( no itemization, cost breakdown, proof of training, accounting, or authority to collect ). 

Instead of validating the debt, the collector reported the debt to my credit files, continuing collection activity while the debt was in dispute. 

The tradeline was also reported without being marked as DISPUTED, in violation of FDCPA 1692e ( 8 ) and FCRA 623 ( a ) ( 3 ).

The collector has refused to respond further, ignored my dispute, and failed to conduct any required investigation under FCRA 623 ( b ).

Federal Violations Committed FDCPA Violations : Continuing collection without validation ( 1692g ( b ) ) Reporting unverified information ( 1692e ) Failure to report dispute ( 1692e ( 8 ) ) FCRA Violations : Furnishing false or unverified data ( 607 ( b ) ) Failure to mark account as disputed ( 623 ( a ) ( 3 ) ) Failure to conduct a reasonable investigation ( 623 ( b ) ) Reporting inaccurate and unverified information to credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi closed my dispute without completing a proper investigation. They repeatedly claimed the funds were returned to the merchant bank on XX/XX/XXXX, yet provided no trace, no XXXX, no transaction record, and no evidence of refund. The merchant also stated they never received any funds. 

Citi sent XXXX letter to the merchant and received no response, yet closed the case anyway. A dispute can not be closed without merchant documentation. This violates XXXX chargeback investigation rules and standard banking procedures. 

I specifically requested : Proof of refund XXXX  / transaction trace Merchant documentation Merchant-bank confirmation Evidence of communication Citi provided none of these and simply told me to go deal with the merchant, which is unacceptable and improper under dispute resolution rules. 

I am requesting a full reinvestigation, escalation to a supervisor, release of all documentation under my rights, and reopening of the dispute. I also request CFPB oversight, as Citi is ignoring repeated requests and forcing the consumer to chase the merchant for a transaction the bank claims to have refunded. 

I will not pay this amount. This dispute must be resolved properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> I noticed a credit card account listed on my credit report that I did not apply for or authorize. The account shows a balance of approximately $ [ XXXX ], but I have never opened or used this credit card. I immediately contacted the credit card companys fraud department on [ insert date ], explained that the account was fraudulent, and provided supporting documentation, including an FTC Identity Theft Report and proof of identity. Despite this, the account has not been closed and remains on my credit report. This fraudulent account has negatively impacted my credit history. I am requesting that the company close the account, remove all charges, confirm that I am not responsible for the debt, and ensure that any negative reporting to credit bureaus is deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: VA

Complaint narrative:
This is in reference to CashApp. I had a damaged card that I wanted to replace. I placed an order through CashApp months ago to get a replacement card and I spent money to get another card. I received the card and tried to activate it, and was not able to do so. 

I have made multiple attempts to activate the card and have not been successful. I addressed this issue to CashApp to have it resolved and they have not done so. They have told me to reorder a card, but I am not doing that if they require me to spend money to order another card that may not be able to be activated.

I want the money that I spent to be returned to me because if I can not activate the card that I used funds for, that money should be back in my account. I will attach screenshots of when I purchased the card and part of the conversation that I had with the support team

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices prohibited by the FDCPA. They furnished this account without any agreement from me, and I did not sign any contract with them. A legal contract requires signatures from both parties, and I did not participate in any agreement whatsoever. They also failed to follow the proper XXXX validation procedure. 

According to the FDCPA, XXXX entitled to compensation for these violations. My rights were clearly violated and abused. I am demanding that this account be removed immediately. 

This situation has taken a real toll on me. I have been trying to rebuild my life, manage my responsibilities, and stay financially afloat, but this account has made everything feel heavier than it should. Its embarrassing and painful to be judged for a debt I never agreed to especially when XXXX doing everything I can just to keep moving forward. 

Every time I see this account appear, it brings anxiety, worry, and a reminder of how difficult things have been trying to provide, trying to keep my credit together, trying to feel hopeful about my future. XXXX  spent nights stressed, wondering how I can fix something that shouldnt be there to begin with. XXXX simply asking for fairness, so I can finally breathe, focus on healing financially and emotionally, and work toward a more stable and peaceful life without being held down by inaccurate reporting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices prohibited by the FDCPA. They furnished this account without any agreement from me, and I did not sign any contract with them. A legal contract requires signatures from both parties, and I did not participate in any agreement whatsoever. They also failed to follow the proper XXXX validation procedure. 

According to the FDCPA, XXXX entitled to compensation for these violations. My rights were clearly violated and abused. I am demanding that this account be removed immediately. 

This situation has taken a real toll on me. I have been trying to rebuild my life, manage my responsibilities, and stay financially afloat, but this account has made everything feel heavier than it should. Its embarrassing and painful to be judged for a debt I never agreed to especially when XXXX doing everything I can just to keep moving forward. 

Every time I see this account appear, it brings XXXX, worry, and a reminder of how difficult things have been trying to provide, trying to keep my credit together, trying to feel hopeful about my future. XXXX  spent nights stressed, wondering how I can fix something that XXXX  be there to begin with. XXXX simply asking for fairness, so I can finally breathe, focus on healing financially and emotionally, and work toward a more stable and peaceful life without being held down by inaccurate reporting.

Company response to consumer: Closed with explanation