vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: WI

Complaint narrative:
In XX/XX/year>, I noticed that my student loan account ( XXXX ) fell delinquent, which resulted in a XXXX point drop to my credit score. 

This was during the time a disaster, Hurricane Helene, had struck our home, so I contacted XXXX, who placed a retroactive forbearance on the account and told me it was in good standing - that the mark would be removed. They also claimed the updated information would be submitted to the credit agencies within a few weeks. I should have had NO delinquencies at that point. 

Over the course of the following few months, I checked with the credit agencies, none of whom reflected that updated reporting. All three of my accounts show the XXXX point reduction to my credit score. 

When I went to dispute it with XXXX, I provided the documentation from XXXX  claiming I had received a forbearance from the dates the delinquency had occurred, but XXXX  claims they can not verify this DESPITE the documentation I provided directly from XXXX. 

At this point, I'm not sure if XXXX is not reporting correctly, or if the agencies are not updating their information, but there is nothing else I can do since neither seems to be in communication with one another and months have passed. 

I have done everything I need to do yet no changes have been reflected.

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 2025-09-11 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: FL

Complaint narrative:
I am filing this complaint due to multiple unauthorized hard inquiries that have been made on my credit report without my knowledge, consent, or permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 604 ( 15 U.S.C. 1681b ), a hard inquiry may only be made if there is a legitimate permissible purpose, such as a credit application that I explicitly authorized. I have not applied for credit or authorized any of the following companies to access my credit report : These inquiries were not initiated or approved by me in any capacity. I have contacted the credit reporting agency ( [ Experian/Equifax/TransUnion ] ) to dispute these inquiries and demand their removal. However, no satisfactory resolution has been provided. 

The continued reporting of these inquiries without proof of authorization is a violation of my rights as a consumer under the FCRA and potentially opens these companies and the credit bureaus to civil liability. Hard inquiries can lower my credit score and affect my ability to obtain credit therefore, this is not a trivial issue.

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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint due to multiple unauthorized hard inquiries that have been made on my credit report without my knowledge, consent, or permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ). 

Under FCRA Section 604 ( 15 U.S.C. 1681b ), a hard inquiry may only be made if there is a legitimate permissible purpose, such as a credit application that I explicitly authorized. I have not applied for credit or authorized any of the following companies to access my credit report : These inquiries were not initiated or approved by me in any capacity. I have contacted the credit reporting agency ( [ Experian/Equifax/TransUnion ] ) to dispute these inquiries and demand their removal. However, no satisfactory resolution has been provided. 

The continued reporting of these inquiries without proof of authorization is a violation of my rights as a consumer under the FCRA and potentially opens these companies and the credit bureaus to civil liability. Hard inquiries can lower my credit score and affect my ability to obtain credit therefore, this is not a trivial issue.

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 2025-09-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 {$13000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: IN

Complaint narrative:
I was contacted by debt collector Lockhart, Morris & Montgomery for a bill in the amount of {$3600.00} for what am told is an anesthesiologist bill from XX/XX/year>. I have not received any information concerning this bill from 4 years ago that I am aware of. I was covered under a PPO insurance at the time and am still under the same coverage now. These services received prior authorization by my health insurance provider at the time of the service. This is a false attempt to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I received an alert on my credit report for a derogatory mark. Upon investigation, there is an outstanding balance of {$1300.00} with Sunrise Credit Services. I contacted Sunrise via phone at XXXX and spoke with XXXX XXXX who indicated this was reported by XXXX for a mobile phone. XXXX confirmed it was not my date of birth or address, however, was unable to remove and/or resolve.

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 2025-09-11 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: NC

Complaint narrative:
This is my XXXX  dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA XXXX and XXXX, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my XXXX  dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA XXXX and XXXX, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Several inaccurate and unverifiable accounts and inquiries are being reported on my credit file despite prior disputes. XXXX XXXX XXXX XXXX is showing a {$22000.00} auto loan with multiple 30- and 60-day late payments in XXXX, even though the account is now current. XXXXXXXX XXXX XXXX XXXX XXXXXXXX is reporting a closed account with a {$620.00} balance and XXXX percent utilization, which is contradictory and misleading. XXXX XXXX  is reporting a secured credit card that was closed in XXXX but continues to show 30-day late notations from XXXX XXXX XXXX XXXX  is listed as closed by the grantor in XXXX but is still negatively impacting my file. XXXX XXXX XXXX is showing as charged off and purchased by another lender, yet no proof of transfer or ownership has been provided. 

In addition, XXXX XXXX XXXX is reporting a {$7700.00} collection account and XXXX Account Services is reporting a {$2900.00} collection account, both of which have not been validated with contracts, proof of assignment, or any documentation from the original creditors. 

Finally, multiple unauthorized inquiries remain on my file. XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXXXXXX  ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX  ) all appear on my reports, but none were authorized and therefore lack permissible purpose under the FCRA. These entries are inaccurate, damaging, and must be deleted.

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy and are causing ongoing, measurable harm to my finances and wellbeing.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 rectify these issues. 
Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : 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 non-monetary relief
Consumer complaint received 2025-09-11 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: VA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from 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 non-monetary relief
Consumer complaint received 2025-09-11 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: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-11 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: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: OneMain Finance Corporation
State: NH

Complaint narrative:
One Main financial in XXXX, NH did not tell me they were signing me up for automatic payments let alone bi-monthly automatic payments. I called them and they cancel the automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LEGAL DEPARTMENT Subject : Formal Dispute & Demand for Immediate Deletion of Inaccurate Collection Accounts Violation of 15 U.S.C. 1692g To Whom It May Concern, I am formally disputing the accuracy, validity, and legal standing of the collection account ( s ) you are reporting under my name. This notice is being submitted pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ).

ACCOUNT NAME : LVNV FUNDING LLC ACCOUNT NUMBER : XXXX You are legally obligated to provide, within 30 days, the following : 1. Verification of the alleged debt bearing my signature on the original agreement.

2. Full itemization of the debt, including the original creditor, the alleged amount owed, interest, fees, and payment history.

3. Proof of legal authority to collect in my state, including any required state licenses.

4. Chain of title/assignment from the original creditor to your agency proving ownership of the alleged debt.

Failure to provide complete validation as required by 1692g renders your continued collection efforts and credit reporting a direct violation of federal law. Reporting unverifiable information to any credit reporting agency also constitutes willful noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ).

Be advised : Any continued collection activity, including credit reporting, without proper validation is unlawful. 
You must immediately cease and desist from all collection and reporting activities until verification is provided. 
If you can not fully validate the debt, you are required to permanently delete the account from all credit bureaus ( XXXX XXXX and XXXX ). 


Should you fail to comply, I will pursue all available remedies including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursuing civil litigation for statutory damages of up to {$1000.00} per violation, actual damages, attorneys fees, and punitive damages. 

This letter serves as your final notice. You have 30 days from receipt of this letter to comply. If you do not, I will take immediate legal action to protect my rights. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation