vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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:
This complaint formally asserts numerous violations of federal and state laws by Experian, Equifax, and TransUnion regarding inaccurate, incomplete, and unverifiable credit report information. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., formal disputes were filed with each bureau on XX/XX/year>. The mandated XXXX period for compliance has elapsed without corrective action, resulting in continued financial harm and emotional distress. 

Detailed Disputed Accounts : XXXX, Account # : XXXX XXXX XXXX, Account # : XXXX Disputed Hard Inquiries : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of Federal and State Laws Committed by the Bureaus : Failure to Provide Proper Verification ( FCRA 1681i ) Failure to Conduct a Reasonable Investigation ( FCRA 1681i ) Failure to Mark Accounts as " Disputed '' ( FCRA 1681i ( a ) ( 6 ) ( B ) ) Reporting Inaccurate Information ( FCRA 1681e ( b ) ) Failure to Notify Consumer of Debt ( FDCPA 1692g ) Failure to Ensure Accuracy of Reported Information ( FCRA 607 ( b ) ) Failure to Investigate Disputes within 30 Days ( FCRA 611 ( a ) ( 1 ) ( A ) ) Failure to Protect Consumer 's Personal Information ( Gramm-Leach-Bliley Act, 15 U.S.C. 68016809 ) Ignoring Identity Theft Protections ( 18 U.S.C. 1028 ) Failure to Provide Resources for Identity Theft Victims ( 15 U.S.C. 1681g ( e ) ) Violation of Florida State Identity Theft Statutes Requested Actions and Relief : Immediate removal and permanent blocking of disputed accounts and inquiries from Experian, Equifax, and TransUnion credit reports, pursuant to 15 U.S.C. 1681i.

Immediate annotation of the disputed accounts and inquiries as " Disputed, '' as mandated by FCRA 1681i ( a ) ( 6 ) ( B ).

Immediate production of verified documentation proving the validity of disputed debts and inquiries, including signed contracts and agreements.

Enforcement actions by the CFPB compelling compliance with all applicable federal ( FCRA, FDCPA, Gramm-Leach-Bliley Act, Identity Theft statutes ) and state identity theft laws.

Investigation into the systemic noncompliance of the bureaus with their statutory obligations.

Due to the sustained harm inflicted upon my financial standing, ability to secure credit, and emotional well-being, I respectfully request the CFPB to rigorously enforce compliance by the Bureaus and mandate immediate corrective actions, penalties for non-compliance, and appropriate relief for the damages incurred. 

Respectfully Submitted, 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 2025-03-25 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: NJ

Complaint narrative:
This is my several requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance {$XXXX} XXXX XXXX**** Balance {$XXXX} XXXX XXXX XXXX  XXXX Balance {$XXXX} XXXX  XXXX Balance {$XXXX} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-03-25 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: NV

Complaint narrative:
Recently I looked at a copy of my credit report and I noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

Account Name : XXXX XXXX  Account Number:XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
Date opened XX/XX/XXXX Status Account charged off. {$40.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CBC Companies, Inc.
State: RI

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing 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 badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: IN

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections XXXX XXXX XXXX {$4500.00} XXXX XXXX, 2025 Inquiries XXXX XXXX XXXXXXXX XX/XX/year>2025 XXXX XXXX XXXX XXXX XX/XX/scrub> 2025 Data Breach Happened, per 15USC 1681c2 please block and delete these items within 4 business 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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
XXXX XXXX, XX/XX/XXXX [ XXXX XXXX XXXX ] XXXX, GA XXXX Subject : Request for Removal of Inaccurate Rent Debt from Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute an inaccurate rental debt that appears on my credit report. The disputed entry is reported by [ Landlord or Collection Agency Name ] under account number [ XXXX ] and appears on my credit report dated XX/XX/XXXX. 

This debt is incorrect because " The amount is inaccurate and unfairly reported, '' or " The reporting violates the Fair Credit Reporting Act ( FCRA ) '' ]. I have attached supporting documents, including [ list evidence such as payment receipts, lease agreements, correspondence with the landlord or collection agency ], that demonstrate this inaccuracy. 

Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation into this matter. If the information can not be verified as accurate, I respectfully request that this debt be completely removed from my credit report. 

Please provide a written response regarding the results of your investigation at your earliest convenience. If this item is not removed, I request a detailed explanation and proof of verification. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: NY

Complaint narrative:
I am writing to follow up on my previous complaint dated XX/XX/year>2025, regarding the inaccurate reporting of the XXXX account ( Account Number : XXXX ) on my credit report. As per the Fair Credit Reporting Act ( FCRA ), you are required to investigate and correct any inaccuracies within 30 days. However, I have yet to receive a resolution or update regarding this matter. 
To reiterate, the discrepancies in this accounts reporting include conflicting information on the accounts open date and last reported date. These inconsistencies raise concerns about the accuracy and reliability of this record. Since this account reflects a XXXX balance, and given the inconsistencies, I urge you to remove it from my credit report promptly

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 2025-03-25 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: WI

Complaint narrative:
I never gave EXPERIAN, permissible purpose to report any inquires on my consumer report and I haven't applied for anything so this looks like fraudulent behavior and Experian is not only breaking the law, but also ruining my reputation. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-25 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: VA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: ID

Complaint narrative:
Tried to see the balance from an old gift card, and to active the {$100.00} card, but the URL was not valid ; XXXX  Have not called the company, looked online and notice many people stating this company was a scam from over a year ago.

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 2025-03-25 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: AL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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 2025-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I experienced multiple ACH transactions from Speedy Cash that significantly impacted my Chase checking account balanceeven though I had clearly communicated my inability to fund these loan payments. 

Summary of the Issue : I owed a scheduled payment ; however, due to insufficient funds I informed XXXX ahead of time that my account would overdraft. I even ordered a stop-payment and changed cards to prevent further debits. 
Despite my explicit instructions and efforts, Speedy Cash continued to withdraw funds from my account. I did not authorize these additional withdrawals. 
Although I filed a dispute with XXXX and initially received a reversal, my claim was later reversed by the bank. This sequence resulted in additional overdraft fees and a negative balance. 
I believe loan payments should only occur at my discretion. Speedy Cashs repeated and unauthorized debits have not only drained my account but have also caused undue financial harm through excessive fees. 

Relevant Transaction Details : XXXX : A reversal was processed for a Speedy Cash transaction ( Claimid : XXXX ) with a credit of {$17.00}. 
XXXX : A Speedy Cash withdrawal labeled Speedy # XXXX Payment debited {$240.00} from my account. 
XXXX : A reversal for the above withdrawal was processed, crediting back {$240.00}. 
XXXX : Despite previous reversals and my stop-payment efforts, another Speedy Cash withdrawal ( listed as Speedy Cash XXXX ) of {$240.00} was taken. 
XXXX : A partial reversal was processed for this withdrawal ( Claimid : XXXX ), crediting {$170.00} back to my account. 

Actions Taken : I notified XXXX that I did not have sufficient funds and that my account would overdraft. 
I initiated a stop-payment order and even changed cards to prevent these unauthorized withdrawals. 
I filed a dispute with XXXX regarding these transactions, which initially resulted in a reversal, but was later undoneresulting in additional fees and a negative balance. 

My Request : I am willing to settle only the actual debt amount I owe. I should not be held responsible for the additional fees or overdraft charges that resulted from Speedy Cashs unauthorized withdrawals. I request that the CFPB review this matter and require XXXX to honor my stop-payment instructions and ensure that I am not charged for fees resulting from these disputed transactions. 

Thank you for your attention to this matter. I look forward to your assistance in resolving these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
According to FCRA Section 605B. It is illegal to report anything on my credit report without my permission.

Please remove this negative item.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
To Whom It May Concern, I recently reviewed my credit reports and was shocked to find a collection account from Sunrise Credit Services for what is purported to be a XXXXXXXX XXXX XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

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 2025-03-25 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:
I recently filed a dispute because I had concerns about the accuracy and completeness of an account on my credit report. Unfortunately, its clear that a proper investigation wasnt conducted. I truly believe that this information is still being reported incorrectly, and its taking a serious toll on me. The stress of this situation is overwhelming, and Im feeling deeply discouraged. 

Please, I need your helpI feel like my life is falling apart because of this. Also, I want to make it absolutely clear that I am the one personally submitting this dispute, not a third party.

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 2025-03-25 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: NY

Complaint narrative:
I recently filed a dispute because I had concerns about the accuracy and completeness of an account on my credit report. Unfortunately, its clear that a proper investigation wasnt conducted. I truly believe that this information is still being reported incorrectly, and its taking a serious toll on me. The stress of this situation is overwhelming, and Im feeling deeply discouraged. 

Please, I need your helpI feel like my life is falling apart because of this. Also, I want to make it absolutely clear that I am the one personally submitting this dispute, not a third party.

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