vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPD ) has recently filed lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnish accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-05 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: NY

Complaint narrative:
Despite my request, the account in question remains on my report, and I have not received adequate verification or proper documentation proving that I am legally responsible for this debt. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request substantiation of any debt that is being reported, as well as to receive an accurate and up-to-date copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: I.C. System, Inc.
State: NY

Complaint narrative:
Despite my request, the account in question remains on my report, and I have not received adequate verification or proper documentation proving that I am legally responsible for this debt. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request substantiation of any debt that is being reported, as well as to receive an accurate and up-to-date copy of 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 explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX DOB : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Verification and Removal of Unauthorized Inquiries Round 1 To Whom It May Concern : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute several inquiries listed on my credit report which I do not recognize or authorize. 

The following companies made inquiries without my consent : - XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I request, pursuant to Sections 604, 609, 611, and 607 ( b ) of the FCRA : 1. Documented verification of the permissible purpose for each inquiry. 
XXXX. A copy of any signed contract or authorization for each listed inquiry. 
XXXX. Immediate removal of any inquiries that can not be verified in accordance with the law. 

Attached are my identification and proof of address. 

Thank you for your prompt attention to this matter. I expect a response within XXXX days as required by the FCRA. 

Sincerely, 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 2025-08-05 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: MD

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 PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-08-05 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: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
I have disputed fraudulent student loan accounts being serviced by XXXX. Despite contacting XXXX directly and submitting documentation of identity theft and hardship, the Department of Education has not taken any corrective action to remove or suspend the loans being reported under my name. I sent out a validation of debt request that was never responded to and I have documentation that states they received the information.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I was a victim of identity theft and this item reporting on my credit report was not authorized by me.l am demanding removal of This inquiry immediately. I never gave them a written consent to pull my credit I am kindly asking that this item reporting on my credit report be removed immediately Inquiry : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/year> SSN : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, XXXX Experian XXXX. XXXX XXXX, XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX Subject : Request for Investigation and Removal of Inaccurate Information in Credit Report Dear Transunion, Experian, and Equifax, I am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 

Account Information to Be Disputed : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Description of the Inaccuracy : Collection/Chargeoff is incorrect Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. 

Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

Enclosed are copies of screenshot of collection I expect to receive a response within the 30-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information.

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution. 

Sincerely, XXXX XXXX Enclosures : Screenshot of collection.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
In XX/XX/XXXX, I made a payment of {$47.00} to my Discover credit card. Shortly after, I was unaware of any account issue and continued to receive marketing messages from Discover. I later learned that my account was closed by Discover on XX/XX/XXXX, but I did not receive any written notice until XX/XX/XXXX. 

On XX/XX/XXXX, I called Discover and spoke to a representative named XXXX. She stated that Discover had sent the closure notice by email, even though I had not opted out of paper notices. She also admitted Discover sends email " because its faster, '' not due to consumer preference. 

Discover accepted another payment from me on XX/XX/XXXX, XXXXafter the account was already closed. Despite that, they reported a delinquency starting XX/XX/XXXX, which has now appeared on my credit report and is negatively affecting my credit score, especially with XXXX 

On XX/XX/XXXX, I sent Discover a certified demand letter asking for reinstatement, credit reporting reversal, and written documentation of all notices sent. I also requested they stop calling me and only respond in writing. As of today, I have received no written response. Phone calls from Discover have continued daily despite my cease-and-desist request. 

I believe Discover has violated my rights under the Equal Credit Opportunity Act and the Fair Credit Reporting Act by failing to give timely notice of adverse action, inaccurately reporting credit information, and continuing to contact me after a written no-contact demand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter is being sent directly from me, the consumer, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am disputing specific accounts on my credit report that were opened as a result of identity theft. This is not a third-party dispute, and I am submitting this letter personally to ensure full compliance with federal law. Under FCRA 605B, you are required to block all fraudulent information from my report within four business days of receiving proof of identity theft. Additionally, FCRA 611 ( a ) obligates you to conduct a proper investigation of my dispute and respond within XXXX  days. I also request full disclosure under FCRA 609 ( a ) ( 1 ) ( A ) of all information used to verify these disputed accounts and any results of any previous investigations conducted. Enclosed you will find a copy of my government-issued ID, proof of address, FTC identity theft reports, and a signed statement under penalty of perjury confirming the accuracy of my claim. These documents should fulfill all documentation requirements under federal law. 

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 2025-08-05 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I would like to dispute the validity and accuracy of this debt for the following reasons : I was never properly notified of any outstanding charges owed to the apartment complex after my lease ended. 

I did not consent to any debt being transferred or sold to a third party, especially one involving the sharing of my personal information, including my name, date of birth, address, and Social Security number. 

I have not received any validation of this debt, and the reporting party has failed to provide documentation to support its legitimacy. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be thoroughly investigated. If the information can not be verified, I request that it be immediately removed from my credit report. 

If this account can not be validated and verified in compliance with the Fair Credit Reporting Act, it must be removed from my credit file immediately. Additionally, I have concerns about potential violations of data privacy laws, as my personal information may have been shared or sold without lawful basis or my consent. 

Please provide me with the results of your investigation in writing, including documentation from the original creditor that supports the validity of this account.

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 2025-08-05 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am disputing a collection account from Midland Credit Management for {$240.00}, related to a XXXX XXXX XXXX credit card. 

On XX/XX/year>, I paid the full account balance of {$120.00}. A final bill later showed a remaining charge of {$2.00} ( a residual interest fee and a small insurance fee ). I was not notified about this minor balance. 

XXXX then charged off the account and sold it to Midland, which is now reporting this {$2.00} balance as a {$240.00} collection, severely damaging my credit. 

I have disputed this with all XXXX credit bureaus several times, and it keeps returning as verified despite clear proof that I paid in full. I have attached the billing statement as evidence. 

I am requesting that this collection be deleted or corrected, and that both XXXX and Midland provide a full, itemized breakdown explaining how {$2.00} became {$240.00}. This appears to be an unfair debt escalation and reporting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: MI

Complaint narrative:
I had an issue with my Way2go card where I uses the card but ATM chase didnt disbursed the money {$300.00} I contacted way2go to let them know about this issue they gave me a provisional credit of {$300.00} ( XXXX ) until a month later ( XXXX ) I was hit with a negative balance of what they have provided me with - XXXX now its been 3 months ( XXXX ) since they have been taking my child support payments Im a single mom of XXXX I need every little thing I get I dont get help with my children so that helps me alot and for it to be taking weekly then to months Im devastated XXXX

Company response to consumer: Closed with explanation