vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-04 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: NY

Complaint narrative:
remove Immediate Removal of Medical Debt Reporting Under Federal Law ( S.5480, Regulation V )

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 2025-06-04 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$430.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX {$1800.00} XXXX  # XXXX XX/XX/XXXX -- {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$1300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-04 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: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit Card account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Card account opened at XXXXXXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX  Credit Card account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX account number XXXX Credit Card account opened at XXXXXXXX XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXXXXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Loan account opened at XXXXXXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX Auto Loan account opened at XXXX XXXX XXXXn XX/XX/XXXX account number XXXX XXXX XXXX XXXX as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXXXXXX XXXX  Date : XX/XX/XXXX 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 2025-06-04 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: IN

Complaint narrative:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 IN XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX Date XXXX 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 2025-06-04 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:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 IN XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX Date XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX North Carolina XXXXDate of Birth: XX/XX/XXXX\nSS#: XXXXXXXX\n\nEquifax Information Services LLC \nXXXX XXXX XXXX XXXX XXXXnGA XXXXXXXXn\nSubject: Request for Investigation  Missing Credit Report Information\n\nTo Whom It May Concern,\n\nI am writing to formally request a review and investigation into my Equifax credit report. Upon reviewing my credit report recently, I noticed that none of my credit accounts, credit history, or a credit score are being reported. This lack of information is concerning, as I have active accounts and a credit history that are being reported accurately by the other major credit bureaus (Experian and XXXX).\nThis incomplete report is negatively affecting my ability to access credit and does not accurately reflect my financial standing.\n\nPlease investigate why my credit information is not being reported by Equifax and update my credit file to accurately reflect all relevant accounts and history. I am including the following documents to help in your investigation:\n\n A copy of my government-issued ID\n Proof of address (utility bill, lease, or bank statement)\n A copy of my Experian or XXXX  credit report (for comparison)'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom It May Concern, This letter is a follow-up to my original request for debt validation sent on XX/XX/, regarding the alleged debt referenced above. As of today 's date, I have not received adequate documentation to substantiate your claim. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am once again formally requesting validation of the alleged debt. Specifically, I request the following documentation : 1. A copy of the original signed contract or agreement with the original creditor that legally authorizes you to collect on this debt.

2. A complete payment history, showing how the alleged amount was calculated.

3. Verification that you are legally authorized to collect debts in California, including proof of any required licensing. 

Until you provide these documents, you must cease all collection activity including letters, and credit reporting, as required by law. If you are unable to validate this debt, you must remove all references to it from any consumer reporting agencies to which you may have reported it.

Please note that continued collection activity without providing proper validation may constitute a violation of the FDCPA.

I am keeping detailed records of all correspondence for future reference and potential legal action. I request your response in writing within 30 days of the date of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TN

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
XXXX XXXX XXXX XXXX XXXX XX/XX/2025 To : XXXX XXXX XXXX XXXX XXXX Pa XXXX Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department , I am writing to formally request the removal of an account from my credit report as reported by [ XXXX Experian, or XXXX XXXX. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for { {$2900.00} } from { XXXX Signature } , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of { XX/XX/2025 }. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing acomplaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request. Sincerely, 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 2025-06-04 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:
XXXX XXXX XXXX XXXX XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX : Request for Removal of Unverifiable Account Dear Credit Reporting Department , I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for { {$2900.00} } from { Syncb/American Signature } , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of { XX/XX/year> }. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing acomplaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/2025 To : XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX : Request for Removal of Unverifiable Account Dear Credit Reporting Department XXXX I am writing to formally request the removal of an account from my credit report as reported by [ XXXX XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for { {$2900.00} } from { XXXX XXXX  } , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of { XX/XX/2025 }. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing acomplaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request. Sincerely, 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I entered into a long term payment plan agreement with XXXX XXXX XXXX. I could not keep the account at the moment do to financial hardships, so I contacted them, and they offered me to enter a long term payment plan of a monthly payment amount of {$93.00} with and initial payment of {$150.00}, and an APR 0f 6 %, the account will be closed, and after three months of consecutive payments the account will start reporting as up to date. I agreed to the plan and made the initial payment, and have been making all the other payments in time. 
I waited four months to verify the account status, and it was not reporting correctly ; it was reporting that my due amount is {$360.00} and that I was late and missing payments, even though I was making all the monthly payments of {$93.00} as it was agreed. I contacted XXXX, and they explained that it was going to take one more month. I waited the month and nothing. I reached to XXXX again, and they explained that the account will not reflect the change until the XXXX payment. I waited until after the XXXX payment and nothing. I contacted XXXX again, and they said that there is nothing they can do to fix it and that the account will continue to report as payment missed until I pay the {$360.00} in one full payment, even though this goes against the terms of the long term payment plan.

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 2025-06-04 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: NJ

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : 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 NJ XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$26000.00}

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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: TX

Complaint narrative:
I made a payment to the credit card company in the of XXXX and they restricted my account and are not allowing me to use my card because of my payment. Because of them I am unable to pay bills or use my card to get things I need. This is horrible custom service.

Company response to consumer: Closed with non-monetary relief