vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: AZ

Complaint narrative:
I am disputing certain information on my Equifax credit file that I believe is inaccurate, inconsistent, and potentially the result of compromised or mishandled data from a data breach. I request that Equifax conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ) and remove any unverifiable or inaccurate data immediately. 
The following accounts are in dispute : Account # 1 Creditor : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$14000.00} Dispute Reason : Equifax lists this account as derogatory, while XXXX and XXXX XXXXeport it as open. 
A XXXX late payment is reported for XX/XX/XXXX, which is inaccurate and not consistent with my records. 
The High Credit is showing as {$0.00}, which is incorrect and inconsistent with other credit bureaus. 
Account # XXXX Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$26000.00} Dispute Reason : Equifax is reporting this account as derogatory, while other bureaus show it as open. 
A 30-day late payment is being reported for XX/XX/XXXX, which is inaccurate and unverifiable. 
The account terms are reported as 0 months, conflicting with XXXX 62 months. 
Requested Action : Under FCRA 611 and 623, I am requesting : 1. A full reinvestigation of these accounts.

2. Verification with proper documentation proving the accuracy of the late payments and derogatory reporting.

3. If the furnishers can not provide complete verification, Equifax must delete these accounts and related derogatory marks from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
XXXX is committing identity theft by allowing things on my public credit report that I did not allow nor authorize. I have reached out to the chain of command seeking that the items be removed but no change as of yet. I am requesting that XXXX  remove the negative items that I did not authorize to be on my public account nor that I have knowledge of i have also reached out to XXXX  trying to resolve this problem and as of yet im still waiting

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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: TX

Complaint narrative:
To Whom It May Concern, This debt collector has engaged in practices that are unjustifiable under the Fair Debt Collection Practices Act ( FDCPA ). They furnished an account that I did not agree to, and no signed agreement or contract exists between us. A valid legal contract requires mutual consent and signatures from both parties, which did not occur in this case. Additionally, they failed to comply with the required five-step validation procedure as outlined by the FDCPA. I am therefore entitled to remedies under the law for these violations, and I demand that this account be removed immediately. 
This account does not belong to me, as I never utilized a Self Financial Inc/Lead Bank Account ( # XXXX ). The records show the account was opened on XX/XX/year> and closed on XX/XX/year>, with a {$0.00} balance, $ 0 monthly payment, a high balance of {$520.00}, and {$520.00} paid/closed. Despite this, the credit bureaus are reporting it as late, which is inaccurate. 
This incorrect reporting is negatively impacting my credit score and preventing me from obtaining favorable interest rates on essential needs such as a vehicle or housing. I am currently living with family, but I am seeking to establish my own residence. Therefore, I respectfully request that this inaccurate account be deleted from my credit profile immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am here to formally express my concerns regarding Zelles Handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed my that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to properly protect consumers but has also allowed repeat offenders to exploit the system leaving users valuable to scams. This lack of accountability and transparency is beyond unacceptable and raises serious concerns about our customers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES : EXPERIAN XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am contacting you regarding a troubling discovery on my credit report involving a collection account that your organization has reported. This collection entry has appeared without any prior communication or advance notice from your agency informing me of this alleged obligation. Additionally, I have substantial concerns and serious questions regarding the legitimacy and accuracy of this claimed debt. Under the provisions of the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification of any debt you are attempting to collect. Therefore, I am formally demanding that you furnish comprehensive validation documentation and take necessary steps to resolve this disputed matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GREENSKY OPERATIONS, LLC
State: NY

Complaint narrative:
I've been trying to dispute an account on my XXXX credit report for months keep receiving message that the dispute could not be processed online and to call. When I called 2 months ago, I was told the account status is too new to review. When I called the creditor, I keep getting transferred to a new representative that states " it's a new case '' and they have to look into it. But XXXX continues to update my report with increased debt amounts for charges that I did not authorize or incur. I tried to contact XXXX today and wasn't able to speak with a live representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've been trying to dispute an account on my Experian credit report for months keep receiving message that the dispute could not be processed online and to call. When I called 2 months ago, I was told the account status is too new to review. When I called the creditor, I keep getting transferred to a new representative that states " it's a new case '' and they have to look into it. But Experian continues to update my report with increased debt amounts for charges that I did not authorize or incur. I tried to contact Experian today and wasn't able to speak with a live representative.

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 2025-10-07 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: TX

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

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 2025-10-07 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: TX

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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I am writing to formally dispute a hard inquiry listed on my Equifax credit report. The inquiry, made by * * ONEMAIN * * on XX/XX/year>, was made without my knowledge, consent, or authorization. I did not apply for credit or services from this company, and therefore this access to my credit file was not legally permissible. 

The inquiry was made by : * * ONEMAIN * * XXXX XXXX XXXX # XXXX XXXX XXXX, NJ XXXX In response, I have filed a formal * * identity theft report with the Federal Trade Commission XXXX FTC ) XXXX *, which is enclosed with this letter. This further supports my position that the inquiry was unauthorized and should be removed immediately. 

Under the * * Fair Credit Reporting Act * *, specifically : - * * 15 U.S.C. 1681b * *, a consumer reporting agency may only furnish a report to a party that has a legally permissible purpose. This inquiry does not meet those conditions.

- * * 15 U.S.C. 1681n ( b ) * * establishes that any party who obtains a consumer report under false pretenses or knowingly without a permissible purpose is liable for damages. This appears to apply in this situation.

Furthermore, under the * * Gramm-Leach-Bliley Act * *, specifically : - * * 15 U.S.C. 6802 * *, financial institutions are required to protect the privacy of consumers and must provide notice and an opportunity to opt out before disclosing personal information to nonaffiliated third parties. I received no such notice related to this inquiry.

In accordance with my rights under federal law, I request that Equifax : 1. Investigate this inquiry and provide verification of the permissible purpose used to access my credit report 2. Remove the inquiry from my credit report if no valid authorization can be proven 3. Provide me with a written response detailing the results of your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: MO

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 2025-10-07 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attentiontothismatter.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attentiontothismatter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Data and Contact Management Solutions, LLC
State: FL

Complaint narrative:
Company Name : DCM Services , LLC Issue Type : Debt collection or incorrect information about being deceased I received a letter from DCM Services , LLC dated XX/XX/year>, claiming that I have passed away and seeking an authorized representative for my estate. I am alive and did not authorize this communication. I believe this may be a case of identity theft or a serious reporting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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