vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Experian XXXX XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX Date : XX/XX/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 2025-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management

Complaint narrative:
In XXXX and XX/XX/XXXX, I received back injections and related XXXX XXXX from XXXX XXXX XXXX XXXX XXXX At the time, I had both primary and secondary insurance coveragemy primary insurer was XXXX, and secondary was XXXX XXXX XXXX through my school, which was supposed to cover any remaining balance. 

After receiving initial bills, I contacted XXXX XXXXXXXX XXXX XXXXXXXX XXXX by phone at least once, possibly XXXX, and specifically requested they submit the claims to my secondary insurance. Despite my efforts, the provider never submitted the claims to XXXX XXXX XXXX. The remaining balance went unpaidnot due to my negligence, but due to the providers failure to properly bill. 

I continued receiving bills and again tried to resolve the issue. However, no secondary claim was ever processed, and the unpaid balance was eventually sent to collections. As of XX/XX/XXXX, the total billed amount has grown to {$1500.00}, including a {$390.00} collections fee. 

I formally disputed the charge, but the only response I received was an itemized bill showing that only XXXX was billed. The secondary insurance ( XXXX XXXX XXXX  ) is still missing from all claims. 

This balance was never supposed to be my responsibility, as I had valid secondary coverage at the time and took the necessary steps to inform the provider. I am requesting that the provider submit the appropriate claims to my secondary insurance, recall the debt from collections, and have this removed from my credit report, as the debt was created due to administrative mishandling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Kovo
State: NY

Complaint narrative:
To Whom It May Concern : I XXXX XXXX XXXX XXXXXXXX XXXX recently received a copy of my XXXX  credit report, and I noticed some late payments posted on my credit report on XX/XX/year>XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( XXXX ) ( a ) ( i Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include ( A ) Subject to section 1681-3 of this title, any ( i report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments and accounts from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - {$610.00}. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Enclosed : copy of ID and Utility Bill showing proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The debt collector as no right to collect debt in the state of florida. 
They are not license to operate or conduct business in the state of florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX  days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-28 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: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered several unauthorized accounts opened in my name, totaling approximately {$45000.00} in fraudulent charges. These accounts appear on credit reports from both XXXX  and XXXX 

In addition, my credit report lists multiple addresses located in XXXX state in which I have never lived or had any association. I also noticed that the year of my birth is incorrect on the report. 

Based on my review, the fraudulent accounts were allegedly opened while I was still in high school, which confirms that I could not have legally or knowingly authorized these accounts. I have never granted anyone permission to use my personal identifying information and deny any knowledge of, or involvement with, these accounts. 

On XX/XX/XXXX, I filed a police report regarding this identity theft and am actively working to resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
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 paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX 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 2025-07-28 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In XXXX, we called to Mr.Cooper- Mortgage Loan regarding delinquent account which we observed on credit report. According to the representative, they made an errors and errors were fix.

But our credit report still showing delinquent and negative impact to our account since XXXX, XXXX, XXXX and going on. 
In XX/XX/year>, we called to XXXX, the representative did not provide information and can't fix the problem. 

We have proof of payment, this is a auto monthly direct pay from bank to the mortgage loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Early Warning Services, LLC
State: WI

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : XXXX XXXX ID XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : 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 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 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 XXXX  I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: UT

Complaint narrative:
Dear Consumer Financial Protection Bureau, This message is submitted as supplemental evidence for my open case ( # XXXX ) against TransUnion regarding false and retaliatory credit reporting activity. 

Since initiating the original CFPB complaint, I have observed new unauthorized changes to a tradeline reported by XXXX. These changes were made without any dispute initiated by me and appear to be in direct retaliation for my earlier complaint. Key Evidence & Violations with screenshots to prove each : XXXX. Unauthorized Reactivation of Closed Tradeline The XXXX tradeline was previously marked closed. 
As of XX/XX/XXXX, TransUnion began reporting it as Open and In Collections/Charge-off despite no new activity or dispute. 
This sudden reactivation has caused severe damage to my credit. 

XXXX. Duplicate & False Dispute Remarks TransUnion added the remark Dispute resolved consumer disagrees even though I have not filed a dispute in months. I have only made CFPB complaints due to lack of help/transparency from TransUnion. 
In some screenshots, this exact remark is duplicated multiple times, compounding the damage. 
This is misleading and constitutes an FCRA violation for furnishing inaccurate information. 

XXXX. Impossible Delinquency Metrics The XXXX payment history displays an entry of XX/XX/XXXX under the delinquency section. 
This is not a valid date and if interpreted as counts of 130, 160, and 1490+ day lates, that is factually impossible on an account less than a year old. 
Even if the format is intended as counts, it is both mathematically and chronologically inaccurate, suggesting falsified severity. 

XXXX. Re-Aging and Balance Manipulation The account has been re-aged without cause, falsely updating the status to Needs Attention and reflecting a balance ( {$260.00} ) on a tradeline that had been charged off and inactive for months.

This contradicts prior data and suggests an illegal modification of status to continue reporting derogatory activity.

No Consent or Communication I have had zero contact with XXXX, TransUnion, or any related party since my original complaint. 
These updates were made without my knowledge, consent, or initiation and only began occurring after my CFPB filing, pointing to possible retaliatory behavior.

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 2025-07-28 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: TN

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 explanation
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: PR

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : -Dept Of Ed Account number : XXXX Date opened : XX/XX/XXXX -Dept Of Ed Account number : XXXX Date opened : XX/XX/XXXX -Dept Of Ed Account number : XXXX Date opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The first time I tried online with the Credit Reporting Agency to delete the inaccurate personal information, and they failed to update my credit report. The Credit Reporting Agency is reporting inaccurate information that included the misspelling of my name multiple times, wrong multiple mailing addresses, and inaccurate employer information. 

The second time I printed out a copy of my credit report online. This time I called The Credit Reporting Agency to delete the inaccurate personal information on my credit report, and they refused to update with the correct information. I called the Credit Reporting Agency and spoke with a representative on XXXXXX/XX/year>, and the Credit Reporting Agency refused to delete and update my credit report with the correct spelling of my name, delete inaccurate addresses, and delete the inaccurate employer information.

I provided the Credit Reporting Agency with all my personal information ( correct spelling of my name, social security number, date of birth, correct mailing address, email address, and phone number ) to verify myself with them, and they still refused to update my report with the correct information.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The first time I tried online with the Credit Reporting Agency to delete the inaccurate personal information, and they failed to update my credit report. The Credit Reporting Agency is reporting inaccurate information that included the misspelling of my name multiple times, wrong multiple mailing addresses, and inaccurate employer information. 

The second time I printed out a copy of my credit report online. This time I called The Credit Reporting Agency to delete the inaccurate personal information on my credit report, and they refused to update with the correct information. I called the Credit Reporting Agency and spoke with a representative on XXXXXX/XX/year>, and the Credit Reporting Agency refused to delete and update my credit report with the correct spelling of my name, delete inaccurate addresses, and delete the inaccurate employer information.

I provided the Credit Reporting Agency with all my personal information ( correct spelling of my name, social security number, date of birth, correct mailing address, email address, and phone number ) to verify myself with them, and they still refused to update my report with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
This is a formal notice regarding serious and unlawful errors in billing and credit reporting that are adversely affecting my credit profile. Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), creditors are legally obligated to report payments and credits with complete accuracy. However, several discrepancies have emerged : Payments I made were not properly recorded.

Reported balances include clear calculation errors.

I was not provided with the federally mandated 21-day advance notice before payment due datesrendering any late payment marks invalid.

These violations of federal law are materially damaging my credit standing and financial stability.

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 2025-07-28 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: AZ

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX 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