vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: TX

Complaint narrative:
I have no affiliation with the listed creditors and did not initiate this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
HI- i have tried to get Midland credit management to establish and confirm that I owe them this debt that they have been claiming that I owe, They have filed a law suit against me in my county without servicing me. They have hired a third party firm that tried to collect without providing me with any information. I have filed a complaint with the CFPB previously, case # XXXX they did not provided me with any documentation then and it doesnt appear that they intend to provide me with this information now. Please see all the correspondences that I have done back and forth,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
Under 15 U.S.C. 1681c2, as a victim of identity theft, I have the legal right to request that fraudulent accounts and information be blocked from my credit report. After providing the necessary documentation, such as I.D., social security card and identity theft report, the credit bureaus ( Experian, Equifax, and TransUnion ) are required by law to block any fraudulent accounts and delete them from future reports within 4 business days. This ensures that any accounts, inquiries, or debts resulting from identity theft will not negatively affect my credit score or financial standing. 

The 4-day block and delete requirement is essential for protecting me from the lasting damage caused by identity theft. If the credit bureaus fail to meet this deadline, they would be in violation of the Fair Credit Reporting Act ( FCRA ). In such cases, I can escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal action to ensure my rights are upheld. By using this method, I can promptly restore my credit report and prevent further harm from fraudulent accounts.

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 2025-06-12 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: OH

Complaint narrative:
Under 15 U.S.C. 1681c2, as a victim of identity theft, I have the legal right to request that fraudulent accounts and information be blocked from my credit report. After providing the necessary documentation, such as I.D., social security card and identity theft report, the credit bureaus ( Experian, Equifax, and TransUnion ) are required by law to block any fraudulent accounts and delete them from future reports within 4 business days. This ensures that any accounts, inquiries, or debts resulting from identity theft will not negatively affect my credit score or financial standing. 

The 4-day block and delete requirement is essential for protecting me from the lasting damage caused by identity theft. If the credit bureaus fail to meet this deadline, they would be in violation of the Fair Credit Reporting Act ( FCRA ). In such cases, I can escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing legal action to ensure my rights are upheld. By using this method, I can promptly restore my credit report and prevent further harm from fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: GA

Complaint narrative:
Dispute of Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the collection account reported on my credit .Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( a ) ( 2 ), I am exercising my right to dispute the legitimacy of this debt and demand its immediate removal from my credit report.

Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumer 's credit report exclude reporting or collection activities without proper validation. If the collection agency has not provided sufficient verification of the debt, including but not limited to proof of the original debt, the account 's validity is questionable. I have not received any proper documentation to support this debt. Any amount owed, accuracy of the dates, or lack of proper notice. 
Demand for Action : I demand that these discrepancies are immediately investigated, and this dispute and any other inaccurate account removed, and the inaccurate and invalid collection account removed from my credit report. Failure to do so within XXXX business days will leave me with no choice but to pursue further action, including, but not limited to, filing a formal complaint with the Federal Trade Commission and potentially pursuing legal remedies. 

Account Name : 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

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 2025-06-12 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: TX

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have some hard inquiries on my credit report that I dont know anything about. I didnt not authorize any of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
XXXX. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX I request that you update my credit report with my correct address and remove any incorrect or outdated addresses. 
XXXX. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX NA Date of inquiry : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding the reporting of inaccurate and unverified information on my credit report for account # XXXX, furnished by XXXX XXXXXXXX XXXX 

Specifically, Experian is reporting a 30-day late payment for XX/XX/year>, which is not accurate and has not been verified. This derogatory mark does not appear on XXXX or XXXX, which raises serious concerns about data consistency and accuracy. 

Additionally, the balance being reported is incorrect. Experian is showing a balance of {$33000.00}, while XXXX reports {$32000.00}. This discrepancy has not been explained or validated, and yet it continues to appear on my report in direct violation of the Fair Credit Reporting Act ( FCRA 607 ( b ) ), which requires that furnishers ensure the maximum possible accuracy of the information reported to credit bureaus.

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 2025-06-12 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: NV

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction.

1. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : 1. The inquiry was not authorized XXXX XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I made a identity report at with FCRA for fraud activity, I have been compromised 5 times through XXXX XXXX XXXX XXXX Statue 15 USC1681

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 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
I looked at my most recent TransUnion credit report and noticed 13 unauthorized inquiries and asked transunion to investigate and delete the unauthorized inquiries and they didn't please delete them immediately # 1 XXXX XXXXXXXX on XX/XX/year> # 2 XXXX XXXX  on XX/XX/year> # 3 XXXX XXXX  on XX/XX/year> # 4 XXXX XXXX XXXX on XX/XX/year> # 5 XXXXXXXX XXXX on XX/XX/year> # 6 XXXX XXXX  on XX/XX/year> # 7 XXXX XXXXXXXX on XX/XX/year> # 8 XXXX XXXXXXXX XXXX on XX/XX/year> # 9 XXXX XXXX on XX/XX/year> # 10 XXXX XXXX on XX/XX/year> # 11 XXXX XXXX  on XX/XX/year> # 12 XXXX XXXX  on XX/XX/year> # 13 XXXX XXXX on XX/XX/year> delete these inquiries Immediately

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 2025-06-12 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Moore Law Group
State: CA

Complaint narrative:
Background : In XXXX, I opened a XXXX XXXX  XXXX credit card while employed by the bank. After leaving the company, XXXX XXXX  XXXX blacklisted medenying me access to open new accounts and prohibiting online access to manage my existing card. For over 14 years, I was forced to make payments only by phone, despite maintaining a clean payment history, even through the COVID pandemic. 

In XXXX, after being only 8 days late on a payment, XXXX XXXX XXXXXXXX closed my account without warning, even though I was not yet 30 days delinquent. The account carried a 10 % fixed APR, which I believe motivated the bank to close the account for their own financial advantage. All attempts to reinstate or negotiate a resolution were rejected. 

Settlement & Misrepresentation by Moore Law Group : In XX/XX/XXXX, I was contacted by The Moore Law Group, threatening litigation if I did not immediately enter a settlement agreement. I complied. We entered a written agreement requiring : {$3000.00} initial payment due XX/XX/XXXX, and 22 monthly payments of {$570.00} starting thereafter. 

I confirmed verbally with their staff over the phone that my first monthly payment would be due XX/XX/XXXX, giving me time to plan financially. However, on XX/XX/XXXX, Moore Law Group automatically withdrew {$570.00}, violating what was agreed upon and causing serious disruption to my finances. 

New Incident Wrongful Lawsuit Filing : On XX/XX/XXXX, despite being in active settlement and fully compliant, I received a letter that Moore Law Group had filed a lawsuit against me in court. This filing : Was made in error, as confirmed by Moore Law Group in a call.

Violated our agreement, which stayed litigation pending completion of payments.

Made my name and this case public record, harming my professional reputation and privacy.

Caused severe emotional distress, reputational damage, and financial uncertainty.

Despite their verbal admission that this should not have been filed, the harm has already been done.

This egregious act likely violates : Fair Debt Collection Practices Act ( 15 USC 1692e ) : making false representations about legal status and actions.

Californias Rosenthal Fair Debt Collection Practices Act ( Cal. Civil Code 1788.17 ) : mirroring FDCPA and requiring truthful, non-deceptive practices.

California Business & Professions Code 17200 : engaging in unfair, unlawful, or fraudulent business practices.

Breach of contract and negligent misrepresentation, by violating the signed stipulated agreement and miscommunicating legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I submitted two mortgage assistance applications to SPS ( XX/XX/year> and XX/XX/year> ). Both included full income documentation and, later, proof of permanent XXXX ( SSXXXX  ). SPS denied both applications, citing 'investor restrictions ' from XXXX XXXX XXXX XXXX XXXX. My appeal was denied on XX/XX/year>, the same day I submitted my SSXXXX  approval letter. My second application was denied on XX/XX/XXXX, two days after submission. The rapid denials raise serious concerns about whether Select Portfolio Servicing and XXXXXXXX XXXX XXXX XXXX XXXX are engaging in good-faith review, especially in cases involving documented hardship and XXXX. SPS 's loss mitigation process may not be compliant with servicing standards and borrower protections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: Rausch Sturm LLP
State: LA

Complaint narrative:
XXXXXXXX XXXX Rashum Sturm Law FirmAcct # XXXX was charged off in ( XX/XX/year> ) and Rausch Sturm law firm bought this debt as a collection agency.I have requested the 1099c to support the charge off and it has not been sent. I have disputed this account as well with the credit bureaus and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX. This is my 2nd request asking for the 1099c and debt validation. I have also provided screenshots of this account charged off as loss. I'm requesting that this account be deleted immediately or a 1099c be provided or a proper debt validation letter be submitted at this time none of the above have been supplied to me the consumer. I also have not been supplied with a written contract stating I have any obligation to this law firm they just keep posting letters as proof of debt validation and that is not a substantial agreement that I filed back in XXXX with the CFPB.I have placed all laws on this compliant and hope that they will be followed. Please do not post a letter that you sent to me that is not DEBT VALIDATION I need a signed contract thay has my wet signature on it agreeing to pay Rausch Sturm Lawfim for a XXXX account. If none of the above can be provided please delete this account or I will have my attorney reach out!!!! I will also provide the letter you attached to my original filing back in XXXX to show that this is not DEBT VALIDATION!!!! Your letter clearly states this is a debt collector at the bottom.

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