vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute 2 hard inquiries that are listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered 2 inquiries that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. Details of the hard inquiry : - Inquiry Date : XX/XX/XXXX and XX/XX/XXXX - Company Name : XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe. 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute 2 hard inquiries that are listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered 2 inquiries that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. Details of the hard inquiry : - Inquiry Date : XX/XX/XXXX and XX/XX/XXXX - Company Name : XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to XXXX or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 2. The source of the inquiry. 3. Steps taken to rectify any errors or inaccuracies in my credit report. 4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated timeframe. Sincerely, XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: HI

Complaint narrative:
I am formally disputing a fraudulent collection account currently reported by LJ Ross Associates on my credit file. I have never conducted business with LJ Ross Associates, and I have previously informed XXXX  that this account is fraudulent. Despite that, this debt continues to appear on my credit report and appears to be actively reassigned or sold to other collection agencies in an attempt to evade consumer protection laws.

This account has been the subject of multiple disputes. Neither the original creditor nor the agencies involved have ever provided lawful validation or documentation in response to my formal requests, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

This marks at least the third instance that the same fraudulent debt has been circulated among different agencies. This is a clear and ongoing violation of the FCRA and FDCPA. It causes continued damage to my credit, financial harm, and emotional distress.

I also have strong reason to believe this debt may have been fraudulently incurred by my ex-wife, who has a criminal background and with whom my marriage was legally annulled. A judge annulled the marriage, thereby voiding any financial obligations arising from that relationship. I am a XXXX  military
veteran, and the repeated collection attempts on accounts I do not owe are especially egregious and harmful.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: Applied Data Finance, LLC
State: MS

Complaint narrative:
Looking on my XXXX XXXX account is XXXX XXXX shows a hard inquiry XXXX XXXX for Personify ( finance ). I do not recognize that name and I have not applied for any credit recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Recovery Management
State: FL

Complaint narrative:
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 XXXXXXXX Subject : Formal Dispute and Debt Validation Request Pursuant to Federal Law To Whom It May Concern, This letter serves as a formal notice of dispute concerning any and all alleged debts you claim I owe to your organization. I hereby deny owing any balance to XXXX XXXX XXXX, and I refuse to pay the amount you claim is due unless and until you provide full and complete validation of the alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws. 

Account # : XXXX In accordance with 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), I formally request the following : Debt Validation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A complete itemization of the alleged debt.

The name and address of the original creditor.

A copy of the original contract bearing my signature ( if applicable ).

Proof that the debt is valid and that I am legally obligated to pay it.

Purchase Agreement -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - A full copy of the purchase or assignment agreement between XXXX XXXX XXXX and the original creditor.


This must show the legal transfer of ownership of the debt, including all rights to collect. Proof of Licensing and Bonding in Florida -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Documentation proving that XXXX XXXX XXXX  is licensed and bonded to collect debts in the State of Florida, as required by Florida law.

Furthermore, you are hereby notified that I revoke any and all rights you believe you have to contact me regarding this or any other alleged debt. Do not call, text, or send any further communications to me by phone or email. All future contact must be in writing and only for the purpose of supplying the documentation I have lawfully requested.

Should you fail to provide all of the documentation requested above within 30 days from the date of this letter, I will consider the debt invalid, improperly reported, and subject to further legal remedies. Your failure to comply will also serve as grounds for demanding the immediate deletion of the collection account from all consumer reporting agencies.

Please be advised that continued reporting of this account without proper validation and legal authority constitutes a direct violation of federal law, including the FDCPA and the Fair Credit Reporting Act ( FCRA ), and may result in legal action being pursued against your agency.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, Equifax, and XXXXfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and XXXX industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this
complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and XXXX XXXX Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law.

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Credit Collection Services ( CCS ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Debt Validation Request Account # XXXX To Whom It May Concern, I am writing to dispute the validity of the alleged debt you claim I owe under Account # XXXX. I do not acknowledge any obligation to pay this or any debt to Credit Collection Services ( CCS ). I am asserting my rights under federal law to request full and proper validation of this alleged debt and will not pay unless and until such documentation is legally provided.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureaus Regulation F, I am requesting complete verification of the alleged debt, in accordance with : 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 12 CFR 1006.34 ( d ) 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) Accordingly, I demand the following : Debt Validation Documentation : A full itemization of the alleged amount.

The name and address of the original creditor.

A copy of the original agreement or contract bearing my signature ( if any ).

Clear evidence that this debt is valid and that I am legally responsible for it.

Purchase or Assignment Agreement : A copy of the original purchase, sale, or assignment agreement between CCS and the original creditor proving legal authority to collect this debt.

Proof of Licensing and Bonding in Florida : Valid documentation demonstrating that CCS is licensed and bonded to operate and collect debts in the State of Florida, as required by state law.

Additionally, please be advised that I hereby revoke all forms of contact outside of written correspondence, including but not limited to phone calls, text messages, and emails. All future communication must be in writing only and limited to providing the documentation I have requested.

If you can not or will not provide the above documentation within 30 days from the date of receipt of this letter, I will consider the debt unvalidated and demand the immediate removal of the collection account from any and all consumer reporting agencies where it has been reported.

Failure to comply with these legal obligations constitutes a violation of the FDCPA and FCRA and may result in complaints filed with the Consumer
Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
BY LAW INFORMATION MUST BE FAIR AND ACCURATE THIS IS NOT ACCURATE OR FAIR I HAVE REPORTED THIS A MULTITUDE OF TIMES YET EXPERIAN EQUFAX AND TRANSUNION WILL DO NOTHING TO REMOVE THIS ITEM REQUIRED BY LAW TO DO SO Any incorrect detail even a phone number is an Accuracy issue.If it can not be verified directly with the source ( here, the XXXXXXXX XXXX XXXXXXXX ), it must be deleted from your report. 
The bureau can not rely on third-party databases that might have outdated or incorrect court contact information.FCRA 15 U.S.C. 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.meaning : The law requires maximum possible accuracy, not close enough.Wrong court contact info fails that staNdard.If the phone number for the bankruptcy court on your credit report is wrong, you can dispute it under FCRA 1681i and demand removal or correction. If they can not verify it with the courts official record, they must delete the bankruptcy listing entirely. here is exactly how it is wrongly listed Court info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
BY LAW INFORMATION MUST BE FAIR AND ACCURATE THIS IS NOT ACCURATE OR FAIR I HAVE REPORTED THIS A MULTITUDE OF TIMES YET EXPERIAN EQUFAX AND TRANSUNION WILL DO NOTHING TO REMOVE THIS ITEM REQUIRED BY LAW TO DO SO Any incorrect detail even a phone number is an Accuracy issue.If it can not be verified directly with the source ( here, the XXXXXXXX XXXX XXXXXXXX ), it must be deleted from your report. 
The bureau can not rely on third-party databases that might have outdated or incorrect court contact information.FCRA 15 U.S.C. 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.meaning : The law requires maximum possible accuracy, not close enough.Wrong court contact info fails that staNdard.If the phone number for the bankruptcy court on your credit report is wrong, you can dispute it under FCRA 1681i and demand removal or correction. If they can not verify it with the courts official record, they must delete the bankruptcy listing entirely. here is exactly how it is wrongly listed Court info XXXX XXXX XXXX XXXX XXXX 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 2025-08-06 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: SC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
My account sell to Midland credit management from XXXX XXXX but I ask to Provide me A complete itemized account history dating back to the origin of the debt in XXXX 
- A copy of any original signed agreement bearing my signature. 
Fail to Provide Complete account And flogged my account as Collection I don't owe this money

Company response to consumer: Closed with explanation