vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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 am a consumer who is actively working to rectify inaccuracies in my credit history and to ensure that my credit report is accurate and compliant with the Fair Credit Reporting Act ( FCRA ). I am submitting the following dispute details for your review, which are separated by each credit bureau. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
I am writing to formally dispute the following accounts that are inaccurately reported on my credit reports with Experian, XXXX XXXX XXXX. I respectfully request that you investigate these accounts and make the necessary corrections. The information provided below outlines the specific accounts and details of my disputes, separated by each credit bureau. 

Inquiries : XXXX XXXX Reported inquiry date : XX/XX/year>

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 2025-11-17 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: CA

Complaint narrative:
in reference to account number XXXX and account XXXX and account XXXX I asked for a debt validation letter, a detailed list of the history of the payment made by me and also I wan na see signature that I would pay this creditor. Also, Im asking to see has there been any insurance claims filed on this debt, no response

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 2025-11-17 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: CA

Complaint narrative:
in reference to account number XXXX and account XXXX and account XXXX I asked for a debt validation letter, a detailed list of the history of the payment made by me and also I wan na see signature that I would pay this creditor. Also, Im asking to see has there been any insurance claims filed on this debt, no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding persistent inaccuracies in my credit report. Despite having disputed this information multiple times, my legal name and previous addresses remain incorrectly listed, and I am growing increasingly frustrated with the lack of resolution. 

Specifically, my concerns are as follows : Name Correction : Currently listed as : XXXX XXXX XXXX / XXXX XXXX Correct legal name : XXXX XXXX XXXX Removal of Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Verification of Current Address : 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 2025-11-17 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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 XXXX 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports.

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 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
TD Bank responded to my request to refund the extra payment made with my Debit Card online, made in error BUT, They want to mail me a check thorough the XXXX, which they said could take XXXX - XXXX business days to receive. In addition to the extended time of XXXX XXXX XXXX days, since it is going through the regular mail, there will be no way to track it, if it gets lost, etc. 

This is unacceptable. I made the payment with my Debit Card, and I want the refund for the extra payment of {$70.00} processed through my Debit Card, and not a check in then mail, that is untraceable. 

I want TD Bank to refund the extra payment of {$70.00} in the my original form of payment that I used to pay the extra payment made on-line, which is my Debit Card.

They have the Debit Card information, and I request they process the refund of {$70.00} due me, in my original form of payment made on the Debit Card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am submitting a dispute regarding inaccurate information on my TransUnion credit report : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$3700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$5500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$180.00} Late Payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of Dispute : I believe these accounts are inaccurately reported, with incorrect charged-off statuses, balances, and late payment records. 

Requested Action : I request that TransUnion investigate these items with the respective creditors and correct or remove any inaccurate information as mandated by the FCRA.

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 2025-11-17 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 am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word 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 can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act. 

ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not a mistake on my part. My credit report contains inaccuracies that are not assured to be of the maximum possible accuracy. These errors are severely impacting me in ways that are unacceptable, and I will not tolerate their continued presence during these challenging times. Correcting or removing them would be a significant relief, but it is my right to demand immediate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
On Friday XXXX South State Bank closed XXXX of mine and my husbands bank accounts with no knowledge. They said a letter was sent out on XX/XX/XXXX. We never received on. Our accounts have never been in negative standings. South State Bank supposedly sent a check out for the accounts. We were scheduled to close on our house last week but because the bank closed our accounts and would not give us a check because they said it had been sent already. Well XXXX weeks later we still have NO MONEY and NOBODY at ANY of the branches will help us. We are talking about almost XXXX dollars that has been sitting somewhere and we have been put into a BAD financial situation due to this matter. This is terrible to do to LONG TIME CUSTOMERS! Poor business to say the least. Nobody cares to help us at all!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint against Equifax for failing to respond to a dispute I properly submitted regarding inaccurate information on my credit report. On XX/XX/2025, I mailed a formal dispute letter to Equifax via XXXX XXXX Mail ( Tracking # XXXX ). My letter included all necessary documentation to verify my identity and address, including a copy of my government-issued photo ID, a copy of my Social Security card , and a recent bill showing my current address. 
In the dispute, I specifically identified inaccuracies in the reporting of my XXXX account ( # XXXX ), namely a XXXX late payment reported for XX/XX/2025, which I know to be incorrect. I requested that Equifax conduct a reasonable reinvestigation of this item in accordance with the Fair Credit Reporting Act ( FCRA ). 
Additionally, I requested corrections to my personal information. My correct legal name is XXXX XXXX XXXX, and I asked that Equifax remove the erroneous name variation " XXXX XXXX XXXXXXXX '' from my file to ensure accuracy and prevent further reporting errors. 
XXXX records confirm that Equifax received my dispute on XX/XX/2025. Despite this, I have received no acknowledgment, no communication, and no results of any investigation. This inaction is a clear violation of the FCRA, which requires consumer reporting agencies to conduct a reasonable reinvestigation and provide written results within 30 days of receiving a dispute.

Equifaxs failure to act has allowed inaccurate information to remain on my credit report, causing ongoing harm and potential damage to my credit standing. I have attached a copy of the dispute letter I sent, along with XXXX XXXX mail proof of delivery, to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC.
State: FL

Complaint narrative:
On XX/XX/year> at roughly XXXX EST I received a call from Virtuoso Sourcing Group . They refused to confirm their mailing address, and on a recorded line they refused to send me proof of debt via mail. They lied about previously sending proof of debt via certified mail. After speaking to a manager I was finally able to get them to confirm they would no longer contact me via phone, but they have used deceptive claims to try to collect a false debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/year> a credit account with chime final was reported on my credit report showing that the account was opened on XX/XX/year> and I have never applied for or received any application or credit card with this company. There is a balance on this account being reported on my credit report. I called chime final and told them this was fraud and it was not my account. They refused to give me any information until I could provide them with a ftc report and police report. This is a fraudulent account on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover case XXXX Discover charge from XXXX On XX/XX/year> I called what I thought was XXXX XXXX direct but found out I was speaking to a call center and I immediately told the agent not to book and she hung up on me. I then called the correct number to the hotel and booked with them. 
On XX/XX/year> I saw. An email from hotelsone ahowing that they had also booked. I called them and they said it was cancelled I stayed at XXXX and checked out and paid with Discover card. I ask the hotel if they got anything from XXXX and they said they did not. 
Prior to XX/XX/year> I saw a charge on Discover for XXXX for {$580.00} so I called Discover twice and started a dispute. I also called XXXX and was told to file online which I did but got no response Discover denied my dispute and added it back to my card. I sent XXXX copies to Discover

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  XXXX, has violated my rights.

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 a account without my written instructions

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 2025-11-17 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: TX

Complaint narrative:
I am submitting this complaint as a consumer attempting to correct inaccuracies on my credit reports. The following items are inaccurate, incomplete, or outdated, and I request investigation and correction or removal Charged-Off Accounts : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} I believe this account may be reported incorrectly or incompletely. I request TransUnion to investigate and remove or correct this entry if it can not be verified. 

Inquiries : I do not recognize some of the inquiries on my report, including : XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX CA, XX/XX/XXXX Please investigate and remove any inquiries that were not authorized by me. 

Late Payments : The following accounts are showing late payments that I dispute : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request verification and correction or removal of any inaccurate late payment information.as appropriate.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-17 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: LA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXX Chapter XXXX Bankruptcy # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX 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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation