vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX Experian As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-08-13 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 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 2025-08-13 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:
Subject : Final Demand for Immediate Removal of Unauthorized Student Loan Account 15 U.S.C. 6802 & FCRA Violations THIS IS A FORMAL, LEGALLY-BINDING DISPUTE.

I have discovered a fraudulent and unauthorized student loan account on my credit file. I have never applied for, authorized, consented to, or received any benefit from such an account. The appearance of this account is not only falseit is a blatant violation of my federal privacy rights.

Under 15 U.S.C. 6802 of the GrammLeachBliley Act ( GLBA ), no financial institution or its affiliates may disclose my nonpublic personal information to any non-affiliated third partyincluding youwithout my prior, knowing, written consent. I have never given such consent, nor have I received the mandatory privacy notice required before such disclosure.

This unauthorized reporting is : A GLBA violation ( unauthorized disclosure of NPI ), A Fair Credit Reporting Act violation under 15 U.S.C. 1681e ( b ) ( failure to maintain maximum accuracy ), and A 15 U.S.C. 1681i violation ( failure to reasonably verify disputed information ).

You are hereby ON NOTICE : 1. Immediately DELETE the unauthorized account from my credit file.

2. Provide me with the name, address, and contact information of the furnisher responsible for illegally transmitting my private information to you.

3. Supply documented proof of my written consent for this account and its reporting, if you intend to keep it.

If you can not produce such proof within 30 calendar days from your receipt of this letter, you are federally obligated to delete this account from every version of my file you maintain or distribute.

Failure to comply will result in immediate escalation to : The Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), My State Attorney General, and A formal civil action seeking statutory damages, actual damages, attorneys fees, and punitive damages as permitted under 15 U.S.C. 1681n, 1681o, and the GLBA.

This is your final opportunity to correct this matter without legal intervention. I expect written confirmation of deletion within the statutory timeframe.

Govern yourself accordingly.

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 2025-08-13 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: FL

Complaint narrative:
Subject : Final Demand for Immediate Removal of Unauthorized Student Loan Account 15 U.S.C. 6802 & FCRA Violations THIS IS A FORMAL, LEGALLY-BINDING DISPUTE.

I have discovered a fraudulent and unauthorized student loan account on my credit file. I have never applied for, authorized, consented to, or received any benefit from such an account. The appearance of this account is not only falseit is a blatant violation of my federal privacy rights.

Under 15 U.S.C. 6802 of the GrammLeachBliley Act ( GLBA ), no financial institution or its affiliates may disclose my nonpublic personal information to any non-affiliated third partyincluding youwithout my prior, knowing, written consent. I have never given such consent, nor have I received the mandatory privacy notice required before such disclosure.

This unauthorized reporting is : A GLBA violation ( unauthorized disclosure of NPI ), A Fair Credit Reporting Act violation under 15 U.S.C. 1681e ( b ) ( failure to maintain maximum accuracy ), and A 15 U.S.C. 1681i violation ( failure to reasonably verify disputed information ).

You are hereby ON NOTICE : 1. Immediately DELETE the unauthorized account from my credit file.

2. Provide me with the name, address, and contact information of the furnisher responsible for illegally transmitting my private information to you.

3. Supply documented proof of my written consent for this account and its reporting, if you intend to keep it.

If you can not produce such proof within 30 calendar days from your receipt of this letter, you are federally obligated to delete this account from every version of my file you maintain or distribute.

Failure to comply will result in immediate escalation to : The Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), My State Attorney General, and A formal civil action seeking statutory damages, actual damages, attorneys fees, and punitive damages as permitted under 15 U.S.C. 1681n, 1681o, and the GLBA.

This is your final opportunity to correct this matter without legal intervention. I expect written confirmation of deletion within the statutory timeframe.

Govern yourself accordingly.

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 2025-08-13 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: FL

Complaint narrative:
Subject : Final Demand for Immediate Removal of Unauthorized Student Loan Account 15 U.S.C. 6802 & FCRA Violations THIS IS A FORMAL, LEGALLY-BINDING DISPUTE.

I have discovered a fraudulent and unauthorized student loan account on my credit file. I have never applied for, authorized, consented to, or received any benefit from such an account. The appearance of this account is not only falseit is a blatant violation of my federal privacy rights.

Under 15 U.S.C. 6802 of the GrammLeachBliley Act ( GLBA ), no financial institution or its affiliates may disclose my nonpublic personal information to any non-affiliated third partyincluding youwithout my prior, knowing, written consent. I have never given such consent, nor have I received the mandatory privacy notice required before such disclosure.

This unauthorized reporting is : A GLBA violation ( unauthorized disclosure of NPI ), A Fair Credit Reporting Act violation under 15 U.S.C. 1681e ( b ) ( failure to maintain maximum accuracy ), and A 15 U.S.C. 1681i violation ( failure to reasonably verify disputed information ).

You are hereby ON NOTICE : 1. Immediately DELETE the unauthorized account from my credit file.

2. Provide me with the name, address, and contact information of the furnisher responsible for illegally transmitting my private information to you.

3. Supply documented proof of my written consent for this account and its reporting, if you intend to keep it.

If you can not produce such proof within 30 calendar days from your receipt of this letter, you are federally obligated to delete this account from every version of my file you maintain or distribute.

Failure to comply will result in immediate escalation to : The Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), My State Attorney General, and A formal civil action seeking statutory damages, actual damages, attorneys fees, and punitive damages as permitted under 15 U.S.C. 1681n, 1681o, and the GLBA.

This is your final opportunity to correct this matter without legal intervention. I expect written confirmation of deletion within the statutory timeframe.

Govern yourself accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Credit score has kept me financially stagnant and has interrupted financial progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/scrub> 2025, I was selling a piece of furniture on XXXX XXXX. The scammer by the name " XXXX '' online said she will send me the money through Zelle. I then received an email from Zelle saying the only way to receive the money from this buyer is if I upgraded to a " business account. '' The buyer claims her Zelle account is a business account. I had no idea that a business account with Zelle is not a thing and got tricked. In the same email down below is what I thought to be Zelle 's customer service line. When I called the number, I was greeted by an agent by the name " XXXX XXXX ''. This guy and the buyer were working together to scam me. He was trying to pull a lot of personal information from me and kept insuring me that it is FDIC insured, which I blindly listened. Then about half an hour into this conversation, I knew something was off. This guy was trying to hack into my XXXX XXXX  to send money to himself and tried to get me to download this cryptocurrency app. I quickly hung up the phone after not getting a good feeling about this interaction. I quickly called my bank, XXXX to tried to reverse the Zelle payment but unfortunately they would not give me my money back because I willingly sent it to this buyer. They warn to never send money to someone you don't know. This is my first and hopefully last experience getting scammed by an online impersonator. If you need more evidence, I have photo proof of their names.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I have a time share in XXXX, XXXX XXXX, I have had it for over 15 years. I have been having trouble with them for the last year. They told me lies and I called them on it. I left bad reviews for them for the lies they told me. 
They admitted their lies and was going to send me a compensation for their lies but never did. Emails attached XXXX this year the company in the U.S. There servicing department is Concord is out of XXXX Arizona. Sent me two bills for two accounts. Neither one for the correct amount as my contract says. I only have one account. I sent the bills back to them and told them I only had one contract and that the amount was incorrect. It was approximately {$500.00}. to high. 

The company called me and told me I had to send proof to correct their mistake. I told them it was their mistake and they should correct it, Well they added another $ XXXX to the bills, and are putting them into collections. 

I finally set aside 3+ hours collecting all of my paperwork and sending as proof that I do not owe the amounts and to send me a correct bill and I would be happy to pay it, But now they want me to deal with the collection agency.

I don't feel that I should have to pay anything for their inability to send the right statements out to me.

There servicing department Concord is out of XXXX Arizona I do not have two accounts,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is in reference to a fraudulent account reported on my credit file. I have never had any association with this account, nor did I authorize its creation. Its continued presence is causing harm to my credit standing and constitutes an unacceptable inaccuracy.

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 2025-08-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$360.00}

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 explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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 XXXX  XXXX 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 in to be removed.

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. 

XXXX  XXXX 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! 

Delete 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 explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
FCRA XXXX ( XXXX XXXX. XXXX ) Congressional findings and purpose XXXX that consumer reporting must be fair and accurate, and that incorrect information can cause harm. 
Helps frame the dispute by showing your right to an accurate credit file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
I am submitting this complaint against Equifax because I have sent factual disputes with supporting documentation for several inaccurate and unverifiable accounts listed on my credit report. Despite the clear evidence provided, Equifax has failed to remove these accounts or provide proof of their accuracy. This lack of proper investigation violates my rights under the Fair Credit Reporting Act ( FCRA ) and continues to harm my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have already filed a complaint - XXXX They said they would remove it from my credit within 30 - 60 days, and it has now been 73 days.

They are now reporting information that they said they would remove and should no longer be on my credit. This is affecting me from getting loans and acquiring new credit. As per my counsel, I am keeping a paper trail of the negligence.

Company response to consumer: Closed with explanation