vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a dispute regarding the following items listed on my credit report with the three major credit bureaus : XXXX, Experian, and XXXX. Below are the details of the accounts in dispute : CHARGED OFF XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX, Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$470.00} INQUIRIES No inquiries listed. 

POSITIVE No positive accounts listed. 

LATE PAYMENT XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I never authorized the inquiries thats on my credit 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 2025-12-18 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: IL

Complaint narrative:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of 15 U.S.C. 1681i, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law.

Accordingly, I am demanding the immediate deletion of this account unless and until legally sufficient, verifiable documentation is produced to substantiate its validity. Any delay in resolving this dispute only compounds the harm caused by continued reporting of inaccurate or unverified information and further evidences a failure to meet statutory obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: PA

Complaint narrative:
This company keeps contacting me after I told them that I do not owe a debt to them. I sent a cease and desist letter to them the beginning of this year and in XXXX  and they still keep contacting me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
I have no affiliation with these accounts ; please ensure removal within 15 days per USC 1681g.

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 2025-12-18 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: GA

Complaint narrative:
Dear Sir/Madam, I am a consumer actively working on fixing my credit. I am filing this dispute to request the removal of certain inaccurate information on my credit reports. Below is a list of the accounts I am disputing, organized by bureau. 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXX & XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} Late Payments : XXXX, Account Number : XXXX XXXX XXXX  XXXX, Account Number : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
I disputed an alleged credit card debt with the credit reporting agencies after noticing inaccurate reporting. Prior to my bureau dispute, I had not been properly notified that the original creditor, XXXX XXXX XXXX  ( XXXX XXXX ), had allegedly sold or transferred this account to Midland Credit Management. 

After the account was disputed with the credit bureaus, Midland Credit Management began mailing collection notices, including a Pre-Legal Notice dated [ insert date from letter ], stating that the account may be forwarded to an attorney and implying negative credit consequences. 

At the time the pre-legal notice was sent, the account was actively disputed and under investigation. Midland did not provide verification or the results of any investigation before continuing collection activity and threatening escalation. 

I requested that the company investigate and verify the alleged debt. Instead of providing the requested information, Midland continued collection efforts. 

I believe Midland Credit Management is attempting to collect a disputed debt and threatening negative action without properly resolving the dispute, which may violate the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: MI

Complaint narrative:
I am the victim of identity theft, confirmed by my XXXX Police Department Incident Report ( pages XXXX ) and my FTC Identity Theft Report ( pages XXXX ). Despite this, TransUnion has refused to block or delete the fraudulent accounts listed in my dispute packet ( pages XXXX ), including : 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 and multiple unauthorized auto-lender inquiries . 
Under FCRA 605B, TransUnion is required to block fraudulent accounts within 4 business days after receiving : FTC Identity Theft Report Police Report Proof of identity Written request All requirements were submitted, yet TransUnion ignored the law.

TransUnion also refuses to remove inaccurate names, addresses, and employer information, which violates FCRA 607 ( b ). My reports contain identity contamination from the perpetrator, as evidenced in the FTC affidavit ( page 10 ) and police report documents.

TransUnion verified fraudulent accounts without providing Method of Verification, violating 611 ( a ) ( 7 ). Their response does not disclose : The entity contacted The method used Copies of documents used to verify This failure mirrors the abuses identified in XXXX XXXX TransUnion and XXXX XXXXXXXX XXXX 
Unauthorized inquiries from auto lenders and credit issuers were added without my consent, violating FCRA 604. No furnisher has produced a signed credit application or permissible purpose.

TransUnion is knowingly reporting false, harmful data despite receiving law-enforcement documentation, violating FCRA 616617 for willful noncompliance.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: SC

Complaint narrative:
My account was overdrawn in which the overdraft was already exhausted. The bank allowed other charges and fees to be assessed to my account when no funds were available and the bank still charged me for the items along with other fees. They are also stating that unless all my accounts are paid current that they will cancel my membership and I cant reapply unless I have a joint membership with a family member in which I dont. I no longer live in California but maintained my account. I had unforeseen sickness and was receiving benefits that recently stopped in XXXX causing me issues with making any payments on my accounts due to those benefits being direct deposit. I currently work part time while a lawyer is handling my social security case since I no longer receive XXXX XXXX benefits. The credit union will not work with me so that my co signer on my personal loan can increase the amount to help catch up on my payments in order to maintain a good report on my credit report since this is the only bank I have and use to trust. Its not fair that they are requesting I pay everything current in order to apply for an increase personal loan with the original co-signer on my account. The overdraft funds was not my fault because they allowed transactions through without any available overdraft funds on the account. Please help as I dont want to lose my account completely and it goes to collection as fees and interest are adding up. They said I had insurance in place in case of lost of job in which they knew I was getting XXXX which stopped because all my doctors didnt submit forms within a 10 day time frame which was impossible because I was homeless.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am a consumer actively working on fixing my credit. I am filing this dispute to request the removal of certain inaccurate information on my credit reports. Below is a list of the accounts I am disputing, organized by bureau. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXXXXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} XXXXXXXX XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} Inquiries : XXXX Date : XX/XX/XXXX Late Payments : XXXX  XXXX XXXX, Account Number : 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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
CONSERVE is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSERVE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have no connection to these accounts and didnt open them. Please check into this and delete them from my file. Ive provided documentation.

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 2025-12-18 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, outdated, and unverifiable accounts that I have identified on my credit report. These inaccuracies are negatively affecting my creditworthiness and financial opportunities. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-12-18 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and legal compliance of one or more student loan accounts currently reporting on my XXXX consumer credit report. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to ensure that all data reported to consumer reporting agencies is accurate, complete, verifiable, and not misleading. After reviewing my credit file, I have determined that the student loan tradeline ( s ) in question fail to meet these legal requirements and do not appear to be reported in full compliance with the Metro 2 Credit Reporting Resource Guide. The student loan account ( s ) are currently reporting information that is inaccurate and/or misleading, including improper account status coding, incorrect payment history, and inconsistencies related to delinquency and balance reporting. I am presently in an approved forbearance status on my student loan account ( s ). During an active forbearance, negative reporting, delinquency progression, or late payment notation is not permitted under applicable federal reporting standards or Metro 2 guidelines. Despite this, the account ( s ) continue to reflect information suggesting adverse activity, which is inconsistent with my current status and results in a materially inaccurate credit profile. Furthermore, the disputed student loan account ( s ) may be subject to relief under the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX, which resulted in the discharge and forgiveness of millions of federal student loans due to improper servicing, misleading conduct, and failures by the U.S. Department of Education and its loan servicers. Given the scope of this settlement and the ongoing review and discharge activity affecting eligible accounts, the continued reporting of adverse or inaccurate information without proper verification is unreasonable and legally improper. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681i, I am requesting that Equifax conduct a full reinvestigation of the disputed student loan account ( s ) and require the furnisher to provide complete documentation verifying the accuracy of all reported data in full Metro 2 compliance. If the furnisher is unable to validate the information as accurate, complete, and compliant with federal law and Metro 2 reporting standards, I am requesting immediate correction or deletion of the tradeline ( s ) from my credit file. Please complete this reinvestigation within the statutory 30-day period and provide written confirmation of the results. Thank you for your prompt attention to 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