vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration because my credit report contains numerous errors that I can no longer ignore. These inaccuracies have been severely affecting my credit score and overall financial stability, preventing me from achieving the financial freedom Ive been working toward.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Recuvery LLC
State: FL

Complaint narrative:
i told them in another case to stop contacting me and they keep doing it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: IL

Complaint narrative:
I am a verified identity-theft victim with an FTC Identity Theft Report on file. On XX/XX/year>, Equifax deleted a fraudulenXXXX XXXX account previously reported by XXXX XXXX  after my dispute. On XX/XX/year>, essentially the same account was reinserted under a different collection agency. Equifax did not provide the legally required written notice within five ( 5 ) business days of reinsertion, and I have not received any new certification of accuracy.

Violations : FCRA 611 ( a ) ( 5 ) ( B ) Equifax reinserted previously deleted information without providing me written notice within 5 business days and without furnishing proper certification.

FCRA 605B As an identity-theft victim with an FTC report , Equifax must block frau
dulent information within four ( 4 ) business days after receiving my ID Theft Report and identification. 
FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) ( by extension to furnishers ) Reporting information known or should-have-been-known to be inaccurate.

What I provided to Equifax : FTC Identity Theft Report, government ID, and proof of address. 
Prior written deletion results dated XX/XX/year>. 
Evidence that the same debt was reintroduced on XX/XX/year> by a different collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I respectfully request that the following items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts XXXX  ( Account Number : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$200.00} XXXX XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$1000.00} XXXX XXXX XXXX ( Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} Late Payment Accounts XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: MO

Complaint narrative:
I mailed a certified debt validation request to IQ Data International on XX/XX/year>, and USPS tracking confirms delivery on XX/XX/year>. I have not received any documentation verifying the debt or showing my legal obligation to pay. The company continues collection activity without providing validation as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding Experian and their unfair, inaccessible, and potentially deceptive business practices. 

Experian has made it impossible for me to speak with a live representative or resolve issues related to my account. I no longer have access to the phone number on file, and their system, online and via telephone, does not provide any alternative method to verify my identity or update my contact information. As a result, I am completely locked out of my account and unable to manage my services. 

Despite this, Experian recently charged my card without my authorization. I have not had that account for several months and should not be getting charged. I am unable to view my account, review or cancel the service, or dispute the charges because their automated system offers no way to reach a human representative. I have exhausted all available options, and every attempt leads back to the same automated loop with no assistance. 

This situation is extremely unfair and feels predatory. A company should not be allowed to continue charging consumers while simultaneously making it impossible for them to access their accounts or contact support. I am trapped in a service I can not cancel, can not dispute, and can not even view due to Experians broken and inaccessible system. 

I am requesting : XXXX. A full investigation into Experians billing and customer service practices. 
XXXX. Assistance in having the unauthorized charge reversed. 
XXXX. Support in regaining access to my account and updating my information. 

Experians actions have caused significant stress and inconvenience, and I believe their practices violate consumer protection standards. 

Thank you for reviewing my complaint and assisting in resolving this matter.

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 2025-11-07 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: NY

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration because there are numerous errors on my credit report that I can no longer ignore. These inaccuracies have been negatively affecting my life and my credit score, preventing me from achieving financial stability and freedom. This ongoing issue has caused unnecessary stress and hardship that should have been avoided if my report were properly maintained.

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 2025-11-07 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: TN

Complaint narrative:
I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. This public record is inaccurate outdated and unverifiable. No documentation has been provided to validate reporting. Remove under FCRA 1681c and 1681i. 
XXXX XXXX XXXX Account Number : XXXX Correct it immediately or face formal legal action. 
XXXX. This public record is inaccurate outdated and unverifiable. No documentation has been provided to validate reporting. Remove under FCRA 1681c and 1681i. 
XXXX XXXX XXXX Account Number : XXXX Correct it immediately or face formal legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
I am on the very last payment for a payday loan taken out through Money4You. I have had several communications issues with their entire team, most notably the fact that they can not remember any payment plans we set and make together as a team. 

This morning, after I called them out yesterday for not writing my plan down, they texted me at XXXX in the morning giving me new, unspecified plan along the lines of just pay it by the end of XXXX, way more loose and open ended than any other previous plan discussed. 

They are trying to butter me up from not reporting as well. I texted them back pointing out they texted me outside of legal parameters, and they backpedaled hard, texting me back hastily telling me they would write off the rest of my debt. While appreciated, its avoiding accountability and bribing a customer to not report without saying it. 

So here I am! : ) Money4You texted me at XXXX this morning, XX/XX/XXXX. I have screenshots for proof and will provide if requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing this complaint because I am currently working to rebuild my credit and have discovered multiple reporting errors across the XXXX credit bureaus. The information being reported is either inaccurate, incomplete, or unverifiable. I have attempted to resolve these issues directly with the credit bureaus, but the problems remain. Below is a list of accounts and inquiries that I believe are being reported incorrectly. 
Charged Off Accounts XXXX Account # XXXX Reported Charged Off on XX/XX/XXXX with {$0.00} balance. 

Please confirm whether this account was charged off or closed normally and correct inconsistencies. 

XXXX XXXX  Account # XXXX ( {$630.00} ) XXXX XXXX  Account # XXXX ( {$740.00} ) I dispute ownership and the validity of these accounts. Please provide documentation confirming debt ownership and accuracy. 

Hard Inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) XXXX XXXX ( XX/XX/XXXX ) Many of these were not initiated by me or resulted from rate shopping without approval. Please verify and remove any unauthorized inquiries. 

Late Payments XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Please verify accuracy and delete any late payments that can not be validated with supporting documentation.

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 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 2025-11-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/XXXX IN RE : Unauthorized reporting on my credit report " hard inquiries '' To Whom It May Concern, I am writing to formally dispute and demand the removal of the following unauthorized hard inquiry ( XXXX ) that appears on my credit report. 

COMPANY : DATE : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CT, XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX XXXX. XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX XX/XX/XXXX This inquiry was made without my consent or permissible purpose as defined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may furnish a consumer report only under certain circumstances, such as with the written instruction of the consumer or in connection with a credit transaction initiated by the consumer. 

I did not authorize or initiate any transaction that would justify this inquiry, nor did I provide written consent to the entity that made it. 

Furthermore, pursuant to 15 U.S.C. 1681g ( a ) ( 3 ), I am entitled to know each person who procured my consumer report for any purpose within the preceding XXXX months including the stated permissible purpose. 

I hereby demand full disclosure of the name, address, and claimed purpose of the party responsible for the inquiry in question. I further invoke Norman v. TransUnion, wherein the court affirmed that a credit reporting agency may be held liable for failing to ensure that inquiries are made only for permissible purposes. 

Accordingly, I demand the immediate deletion of the unauthorized hard inquiry and written confirmation of its removal. This letter constitutes a formal dispute under the FCRA. 

Failure to resolve this matter within XXXX  XXXX  may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and pursuit of civil remedies. 

Respectfully, 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 2025-11-07 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: MD

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sparrow Financial, Inc.
State: CT

Complaint narrative:
This complaint relates to CFPB case # XXXX filed against Sparrow Financial , Inc . In Sparrows response, they confirmed that my former credit card account ( ending XXXX ) was sold to Solvent Plus, XXXX on XX/XX/XXXX with a charged-off balance of {$660.00}, and they directed me to Solvent Plus for all account documentation. 

I sent XXXX XXXX a written request on XX/XX/XXXX for a complete copy of my billing statements and transaction history. When no response was received, I mailed a second notice by certified mail on XX/XX/XXXX, which was delivered XX/XX/XXXX, according to XXXX tracking. 

As of XX/XX/XXXX, I have completed all required payments under my arrangement with XXXX XXXX, XXXX. To date, XXXX XXXX has provided no documentation and no written response. On XX/XX/XXXX, I received XXXX isolated billing statement from XXXX ( covering XX/XX/XXXX XX/XX/XXXX ) with no explanation. This partial response demonstrates that both XXXX and XXXX XXXX still have access to account records, yet neither has provided the complete account history I lawfully requested. 

Solvent Pluss continued silence violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and consumer-protection standards requiring debt collectors to provide validation and account documentation upon written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-11-07 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: MD

Complaint narrative:
This letter serves as a formal dispute and notice of noncompliance regarding the Avant account listed above, which is being inaccurately reported with late payments on my credit report. Upon reviewing my transaction history and installment schedule dated XX/XX/year>, I have verifiable proof that all payments were made on time and in accordance with the installment agreement. 

Your own transaction summary clearly reflects : {$3300.00} in successful payments recorded XXXX pending or outstanding scheduled payments All payments reflected as Payment Success throughout XXXX No legitimate evidence of delinquency or late submission Under 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ( b ) ), consumer reporting agencies and furnishers of information must follow reasonable procedures to assure maximum possible accuracy of the information they report. The continued reporting of late paymentswhen your own records show full and timely paymentis a clear violation of this requirement. 

Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am exercising my right to dispute the completeness and accuracy of the data being reported. You are legally obligated to conduct a reinvestigation within 30 days ( or XXXX business days if the consumer provides direct proof of inaccuracy, as in this case ) and delete or correct the information. 

Furthermore, under 15 U.S.C. 1681s-2 ( b ), once XXXX was notified of the dispute, it became your duty to : Conduct an investigation regarding the disputed information ; Review all relevant information provided by the consumer ; and Report the results of your investigation to the consumer reporting agencies. 

Failure to correct or remove inaccurate data constitutes willful noncompliance, which exposes your company to liability for damages under 15 U.S.C. 1681n and 1681o.

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 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX XXXX of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX XXXX. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-07 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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