vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
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.

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 2025-07-11 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: IL

Complaint narrative:
XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Deletion of Unverified and Inaccurate Information Re : FCRA Dispute with Experian To Whom It May Concern, This letter serves as a formal dispute under my rights as a consumer pursuant to the Fair Credit Reporting Act ( FCRA ). I am requesting a full reinvestigation and permanent deletion of the following inaccurate, incomplete, or unverifiable information : Creditors : XXXX XXXX  Account Number : XXXX Violation : This account is being reported as charged-off with a past due balance of {$5600.00}. 

: XXXX XXXX XXXX Account Number : XXXX Violation : This collection account for {$21000.00} is inaccurate and unverifiable. 

: XXXX XXXX XXXX Account Number : XXXX Violation : This debt buyer is reporting a collection account for {$2500.00} originally from XXXX XXXX. 

: XXXX XXXX XXXX  Account Number : XXXX Violation : This account contains a reported 30-day delinquency for XXXX and/or XX/XX/XXXX, which I dispute as inaccurate. 

: XXXX XXXX  Account Number : XXXX Violation : This account is reported as charged-off and reflects several delinquencies. I am challenging the completeness and accuracy of the payment history. 

: XXXX XXXX XXXX  Account Number : XXXX Violation : This auto loan was included in a XXXX XXXX bankruptcy and is improperly reported as a repossession. This dual reporting violates 15 U.S.C. 1681c and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report information accurately.

I assert this information is inaccurate, incomplete, and potentially unverifiable. Pursuant to 15 U.S.C.

1681i ( a ), you are required to conduct a reasonable reinvestigation. If verification from the original creditor, including a signed contract and detailed account history, can not be produced, you must permanently DELETE this account. Reporting unverifiable data is a direct violation of 15 U.S.C.

1681e ( b ) which mandates maximum possible accuracy.

This reporting is damaging and legally noncompliant. If you can not substantiate this data with verifiable evidence from the original creditor, you must PERMANENTLY DELETE this entry from my file within 30 days per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to comply will constitute willful noncompliance and may subject your organization to civil liability under 15 U.S.C. 1681n and 1681o.

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 2025-07-11 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-07-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National credit adjust XXXXXXXX XXXX XXXX  loan # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-11 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: NC

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Bureaus Affected : TransUnion ( primary ) Possibly Experian and Equifax ( cross-reporting to be verified ) Companies Complained About : XXXX XXXX XXXX ( on behalf of XXXX XXXX ) XXXX XXXX ( on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX including XXXX XXXX, XXXX XXXX XXXX XXXX, First Premier Complaint Summary ( 500 characters for CFPB Form ) : I am disputing multiple inaccurate and derogatory accounts being reported by FirstPoint Collection, IC System XXXX and XXXX XXXXXXXX XXXX among others . These accounts are either unverifiable or falsely reported. There are also several unauthorized hard inquiries violating 18 USC 1028a. I request immediate removal of all disputed items in accordance with FCRA 611 and FDCPA 1692c.

Full Complaint Narrative : I am submitting this complaint to dispute and demand removal of several inaccurate, unverifiable, and unauthorized entries on my credit report. The following accounts are falsely reported or have discrepancies in dates, balances, and legal compliance : XXXX. XXXX XXXX XXXX XXXX : {$1200.00} Opened : XX/XX/XXXX Original Creditor : XXXX XXXX Violates FDCPA 15 USC 1692c and FCRA 1601 reporting without verified consent or contract. 

XXXX. XXXXXXXX XXXX ( for XXXX ) Balance : {$54.00} Opened : XX/XX/XXXX Improper collection reporting. No contract or invoice was authorized. 

XXXX. XXXX XXXX XXXX  Balance : {$25000.00} Only 34 % on-time payments, inaccurate late reporting, and hardship not reflected. 
Violates FCRA 1666b due to improper billing cycle adjustments. 

XXXX. XXXX XXXX XXXX XXXX : {$7200.00} Account closed, but being reported as unpaid. Only 25 % on-time payment shows misreporting. 

XXXX. XXXX Account Overutilized at 104 % despite {$700.00} limit. 
Opened XX/XX/XXXX. 
Violates FCRA 1666b for incorrect payment tracking. 



Unauthorized Hard Inquiries ( Violating 18 USC 1028a ) : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were made without my written consent or application and harmed my credit profile without a permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Description of complaint : I made a credit card payment of {$330.00} on XX/XX/2025 and it cleared my bank account. Had a hardship the following week and realized the payment I made to clear half of my balance was not yet posted so I used another card. I called destiny card to follow up and I learn at that time it would take 14 days for this payment to post. I waited my 14 days and I checked my account and noticed my payment still did not post to my account so I called them again. After speaking to customer service learning that they have no time limit to post payment and no one could now give me an accurate time for my payment to post I asked to speak with the XXXX. XXXX gets on the phone and after a 30 minute conversation she tells me that the payment did clear and it should be posted by Friday which is today XX/XX/2025 I get up and look at my account and my payment still never posted to my account and sad thing is no one can tell me whats going on. I checked my credit report and this company has also reported me to the credit bureau as if the payment has never posted. I spoke with my bank who confirmed that this credit card XXXX  did take the money from the account and it cleared. I am frustrated with this company that refuses to do whats right by me the consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: CA

Complaint narrative:
I was a XXXX XXXX customer with a financed XXXX that was stolen in XX/XX/year>. After the theft, I contacted XXXX for help, and they assisted me in porting my number to another provider but never informed me that this would violate my financing agreement or result in the entire device balance becoming immediately due. 

In XX/XX/year>, without warning or explanation, XXXX charged my bank account {$1000.00}. This charge was made without my knowledge or consent. I never authorized a payment of this amount, especially not without prior notice or a detailed breakdown. 

To make matters worse, the funds they took were not even mine I was in the process of transferring that money from my roommate to our landlord to cover shared rent. Spectrums unauthorized charge left me in a difficult financial position and caused significant personal stress. 

I disputed the charge with XXXX XXXX, and the bank temporarily credited my account while investigating. I never received a final resolution notice from the bank and assumed the case was still under review. 

A few months later XXXX sold the disputed balance to a third-party debt collector ( Credit Control LLC ) . I was never sent a proper written notice of my rights to dispute the debt, nor any formal communication outlining the status of the account or consequences of porting out the number. 

I acted in good faith and followed XXXX instructions after my phone was stolen. Their failure to clearly explain the consequences, followed by an unauthorized charge and premature sale of a disputed amount, is unfair and unacceptable.

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 2025-07-11 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: OK

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-11 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: OK

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX 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 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 explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX 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 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 2025-07-11 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:
Protection Act, the CFPB has the authority to take action against instituitions violating consumer finanical protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CGPA. The CFPB 's lawsuit seeks to stop the company 's unlawful conduct, to provide redress for harmed consumers if you do not remove the below listed accounts I will have no choice but to file a LAWSUIT and report you to the CFPB.

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 2025-07-11 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: TX

Complaint narrative:
Protection Act, the CFPB has the authority to take action against instituitions violating consumer finanical protection laws, including the FCRA and the prohibitions on unfair, deceptive, or abusive acts or practices in the CGPA. The CFPB 's lawsuit seeks to stop the company 's unlawful conduct, to provide redress for harmed consumers if you do not remove the below listed accounts I will have no choice but to file a LAWSUIT and report you to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: OK

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies. I entered into a loan agreement with Oklahoma XXXX. A tradeline reflecting this account was added to my credit reports shortly thereafter. On my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation. Accordingly, I respectfully request that Oklahoma XXXX immediately update my account information with the credit reporting agencies to accurately reflect my full payment and balance history.

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 2025-07-11 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: OK

Complaint narrative:
I am writing to formally address an issue concerning the reporting of my account to the major credit reporting agencies. I entered into a loan agreement with Oklahoma XXXX. A tradeline reflecting this account was added to my credit reports shortly thereafter. On my first payment was reported to the credit bureaus. However, since that date, no subsequent payments or updated balances have been reported. This lack of accurate and complete reporting has negatively impacted my credit scores and does not reflect my current payment history or account status. The Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be complete and accurate. The withholding of payment and balance histories constitutes a violation of this obligation. Accordingly, I respectfully request that Oklahoma XXXX immediately update my account information with the credit reporting agencies to accurately reflect my full payment and balance history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been XXXX XXXX XXXX This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I am writing to formally request a security freeze be placed on my account due to concerns about potential identity theft and unauthorized access to my personal information. 
I have recently noticed suspicious activity that suggests my personal information may have been compromised. Therefore, I believe it is necessary to take immediate action to prevent any further unauthorized access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-07-11 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation