vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
I've followed all the rules deemed necessary in the Fair Credit Reporting Act inorder to inform all three major credit reporting agencies about these fraudulent accounts that they are reporting on my reports. Ive attached all documents needed multiple times and they have yet to block the above mentioned accounts. I'm asking for the deletion of these accounts as they are affecting my ability to get credit. 
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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Against Sunrise Credit Services False Reporting and Identity Theft Dear CFPB Representative, I am filing this formal complaint against Sunrise Credit Services Group, who is inaccurately reporting a debt in my name and falsely claiming to be the original creditor. I have disputed this directly with them, but they continue to misrepresent the nature and origin of the debt. 

I have notified Sunrise Credit Services that : I do not owe this debt, and I have never opened an account with Sunrise. 
I am a victim of identity theft, which may have occurred due to a data breach involving my personal 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 2025-06-12 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: PA

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 XXXX 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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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 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 XXXX 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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: SC

Complaint narrative:
Dear Transunion, You are reporting [ Innacurate, Incomplete, and/or Innacurate and Incomplete ] information in consumer reports concerning me that you have compiled and published to third parties. The following accounts are the outcome of security fruad, and our not mine and our inaccurate XXXX. XXXX XXXX XXXX XXXX Personal Loan Opened on XX/XX/XXXX Under Acc XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Under Acc XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Credit Card Opened on XX/XX/XXXX Under Acc XXXX  XXXX XXXX. XXXX XXXX XXXX Personal Loan Opened on XX/XX/XXXX Under Acc XXXX XXXXXXXX

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 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: NC

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit Acceptance violated 2020 FTC order ( Docket XXXX ) by : ( a ) Falsifying {$1500.00} down payment ( actual : {$800.00} cash ), ( b ) Skipping mandatory arbitration pre-repo, ( c ) Inflating deficiency via commercially unreasonable auction. ''

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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX the XXXX my cashapp card was locked come to find out that my account has been frozen but for what reason I don't know they just say I went against the terms and conditions but I don't understand how but it's been over a month and I'm still getting the run around I just want my money I need my money my bills don't stop because they locked my account if there's anything that you all can do to get them to release my money I would be so happy it's been XXXX days with no solution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I completed a transaction using XXXX XXXX to pay my insurance premium. While completing the transaction using XXXXXXXX XXXX I was given the option to Pay Later and make XXXX, interest free/fee free, payments using Citis Flex Pay. I selected the XXXX fee-free/interest-free option and the transaction was completed. After a few days, I received my statement from Citi, showing that the full charge was added to my balance, and was not given the Flex Plan amount. The statement showed I owed the full balance. I called and spoke with Citi, whom as usual, was completely useless in resolving the issue. I attempted to dispute the charge, so that it would be bounced back to my insurance company, so I could select a different payment option, but Citi denied that as well. So I was offered interest free payments for a transaction, and then only after the transaction was completed; told I had to pay interest on it. To me, thats bait-and-switch advertising. I know Citi wont make it right, they never do. Thats why Ive shredded my Citi card, removed it from my XXXX XXXX, and the account can just sit open. Ill never use it again. Citi is the most fraudulent, false-advertising company I have ever had the misfortune of dealing with, and I pray they get shut down for their obviously illegal banking practices. I just hope this complaint reaches someone before they open an account with them. Dont make the same mistake as me. Citi lies nonstop and NO ONE holds them accountable for it.

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 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the following item appearing on my TransUnion credit report : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX * * * * The information reported for this account is both inaccurate and incomplete, and it is in violation of the Fair Credit Reporting Act ( FCRA ) and the recently finalized rule from the Consumer Financial Protection Bureau ( CFPB ) amending Regulation V. 
Dispute Reason : The account in question is a medical debt, and according to the CFPBs final rule : Consumer reporting agencies are now prohibited from including medical debt information on credit reports provided to lenders. 
Lenders are barred from using any medical debt, including debts tied to procedures, services, and devices, in credit evaluations. 
This regulation also ends the exception that previously allowed creditors to use certain medical information for lending decisions. 
In addition, the information reported by XXXX XXXX XXXX XXXX is factually inaccurate, as it does not reflect current, verifiable, or complete data. The reporting fails to meet the standard of accuracy required under the FCRA and misrepresents the nature of the alleged debt. 
Legal Context and Previous Case References : In XXXX XXXX TransUnion LLC, TransUnion was held liable for failing to correct or remove disputed and inaccurate information. The CFPB has also pursued enforcement actions, such as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, for violations of the FCRA due to inaccurate and misleading reporting practices. 

Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : 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 2025-06-12 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: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-12 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have previously disputed with Experian regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that They are doing a proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-12 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MO

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XX/XX/scrub>/2025 XXXX XXXX XXXX Unauthorized Inquiry 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute an account being reported by XXXX on my credit report. The debt in question is not mine, and I have no knowledge of any business relationship or financial obligation with this company. 

I first noticed the account while reviewing my credit report and immediately attempted to contact XXXX through all available means to dispute the debt and request validation. Despite multiple attempts, I have received no response, and the inaccurate information continues to appear on my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate reporting and timely investigation of disputed items. XXXX has failed to respond to my dispute and has not provided any documentation validating the alleged debt. 

This false information is negatively impacting my credit score and causing unnecessary stress. I request that the CFPB investigate this matter and require XXXX to either validate the debt with proper documentation or remove it entirely from all credit reporting agencies.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 2025-06-12 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: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-12 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: VA

Complaint narrative:
In XX/XX/year> I have disputed the following creditor entries : XXXX XXXX XXXX XXXX XXXX original creditor listed XXXX XXXX XXXX original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reported that the accounts were inaccurate and that 1 is not even mine. I have disputed the reports on several occasions. To date each disputed account only get added to with new inaccurate statuses and drops my score each time by as much as 8 points each time. I have asked for the bureaus to provide proof of ownership from the reporting creditor and they have not provided it, but yet continue to report inaccurate accounts on my 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 2025-06-12 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: VA

Complaint narrative:
In XX/XX/year> I have disputed the following creditor entries : XXXX XXXX XXXX XXXX XXXX original creditor listed XXXX XXXX XXXX original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reported that the accounts were inaccurate and that 1 is not even mine. I have disputed the reports on several occasions. To date each disputed account only get added to with new inaccurate statuses and drops my score each time by as much as 8 points each time. I have asked for the bureaus to provide proof of ownership from the reporting creditor and they have not provided it, but yet continue to report inaccurate accounts on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MI

Complaint narrative:
I have tried to dispute inaccurate names attached to my account by mail and the company has been unresponsive.

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 2025-06-12 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: MI

Complaint narrative:
I have tried to dispute inaccurate names attached to my account by mail and the company has been unresponsive.

Company response to consumer: Closed with explanation