vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$210.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$7200.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1400.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$6600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3900.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$3800.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX XXXXE # XXXX XX/XX/XXXX -- {$1000.00} XXXX # XXXX XX/XX/XXXX -- {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Dear Sir or Madam, I am submitting this formal complaint regarding continuous harassment and unlawful debt collection practices. Since XXXX, I have been repeatedly contacted and threatened over a debt that is not mine. Despite numerous written and verbal notifications to both parties that I have been a victim of identity theft, and that I maintain a fraud alert on my credit file, they have continued their collection activities without providing any legally sufficient proof of debt ownership or verification as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

On or around XX/XX/XXXX, the creditor and their attorneys demonstrated knowledge of my recent employment, even though I did not begin my job until XX/XX/XXXX. This raises serious concerns about how they obtained this private information and whether this constitutes a violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ) or an act of harassment and intimidation. 

Furthermore, I have repeatedly requested documentation to validate this alleged debt, yet they have refused to provide it. Instead, they have escalated to court filings and threats of wage garnishment despite being fully aware that : I have been unemployed for over XXXX years, The debt has never been validated, and I am a documented victim of identity theft. 

Their actions constitute not only harassment, but also potential violations of the FDCPA, FCRA, and Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.55 et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am contacting you regarding multiple unauthorized inquiries that have appeared on my credit report, which I believe are fraudulent and potentially related to identity theft. Upon reviewing my report, I found inquiries from companies with which I have had no dealings, and I have not applied for any new credit or granted permission for these credit checks. Despite previously disputing these inquiries, they remain on my report. This situation is unacceptable and has caused me significant anxiety and concern about the safety of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: IA

Complaint narrative:
The following accounts and inquiries currently listed and showing on my Early Warning Service Consumer Report ID : XXXX, I want the accounts and inquiries deleted and removed from my consumer report : XXXX XXXX XXXX, Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXXXXXX XXXX XXXX Bank Routing Number : XXXX, Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/year>, XXXX Bank, XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. I have XXXX XXXX in the form of XXXX and I accidentally inquired about accounts from the listed banks, except XXXX XXXX XXXX. My XXXX caused me a lot of confusion and I didnt mean to apply to that many banks thats listed on my Early Warning XXXX Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Debt was paid and settled however not removed from credit report. Also still showing a balance of $ XXXXPlease remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I received an unrequested CashApp card in my name at my former address. It was forwarded to my new address. 

I requested for the CashApp card to be removed as it was a sign of identity misuse, theft, or fraud. They did not remove the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-21 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: NC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-21 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: MD

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 explanation
Consumer complaint received 2025-10-21 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 see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/year> Re : Formal Dispute Data Breach & Credit File Accuracy To Whom It May Concern : I am demanding immediate corrective action regarding TransUnion, Equifax, and Experian data breach that exposed my personal information. This failure has placed me at ongoing risk of fraud, identity theft, and serious financial harm. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I demand : 1. Block and Removal of all fraudulent or unauthorized accounts, inquiries, or negative entries linked to the breach within 4 days. 
2. Written confirmation of enhanced protections applied to my file.

3. A record of all parties who have accessed or attempted to access my credit file since the breach. 
4. Written confirmation within 30 days that my file is accurate, secure, and unaffected by fraudulent activity. 

The following accounts I need removed immediately : 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 XX/XX/year> Noncompliance will result in formal complaints with the CFPB, FTC, and State Attorney General, as well as pursuit of legal action. 

I expect a timely, written response. 

Sincerely, 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 2025-10-21 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: FL

Complaint narrative:
I am filing this complaint because several hard inquiries are being reported on my credit file without my knowledge, authorization, or any permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX  XXXX ( GOVERNMENT ) 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 2025-10-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Cadle Company
State: NY

Complaint narrative:
I am being harassed and have prior years with phone calls and letters. I've asked for verification of debt and have not received. I have never took out a loan with cadlerock. everytime the judgment has expired or it is off my credit report, they come back again with more threats and claims. the latest is a threat of seizing property and a ridiculous total amount owed that can not even be true. I am sure the statute has run out many times and they just keep coming back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MN

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with Experian. Specifically, I am disputing the following inquiries being reported. 

Despite my written disputes, the credit bureau ( s ) have failed to properly verify these inquiries or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ). 

The continued reporting of these unverifiable inquiries is causing ongoing harm to my credit profile.

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 2025-10-21 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: NC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
Jefferson Capital Systems is inaccurately re-aging a XXXX XXXX debt as XXXX. I have disputed multiple times with no correction. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: UT

Complaint narrative:
I have made three payments towards XXXX XXXX XXXX XXXX XXXX and it shows a Past due balance of {$230.00}. I have contacted the Edfinancial three different times with no change or resolution. 

Payment Confirmation # : XXXX Amount : {$300.00} Scheduled for : XX/XX/year> Payment Confirmation # : XXXX Amount : {$230.00} Scheduled for : XX/XX/year> Payment Confirmation # : XXXX Amount : {$230.00} Scheduled for : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-21 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a {$0.00} balance with XXXX XXXX. Its a backup card we never use. Its been used once and it was paid immediately. I was charged a membership fee ( not notified that this would be happening ) I did know about the fee but was not notified when it would be charged. Because I didnt know, I was charged XXXX late fees. XXXX {$25.00} XXXX {$40.00}. Because it was late, they reported it to my credit ( only after XXXX months!! ) instead of trying to call, email, text, send a notification. This delinquent credit resulted in my XXXX XXXX dropping XXXX points. Which is crazy!! It was such a small payment I couldve easily paid it had I known. I called capital one yesterday and the lady said shed take care of the late fees. I had already paid it off so she said to call today after it was processed and theyll make sure the account is update and refund me for the XXXX late fees. Today when I called I was told they could only refund XXXX of the late fees. I am beside myself wondering why a XXXX month late fee of {$100.00} would be reported to my credit. Especially since Ive never been late with them before. Coincidentally we are trying to apply for mortgage this week and it looks like I wont be able to for at least a month because I had to file XXXX different disputes to get this removed off my credit.

Company response to consumer: Closed with monetary relief