vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
Equifax and transunion are allowing XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and XXXXXXXX XXXX to report false information on my credit report. I have reported upstart/Dr bank, credit XXXX bank, and XXXX finance to the cfpb, bbb, and the north Carolina department of justice XXXX XXXX past as well. They have contacted me when they are not supposed to and keep falsifying information on my credit reports. I can not generate a new ftc reports because of the XXXX government shutdown, so I had to use old ones. Equifax told me that those old ones are not valid and that I need to send in new ones. I explained to them that I can not generate new ones because of the government shutdown. I then called TransUnion and XXXX of their representatives was very rude to me over the phone today.

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 2025-11-04 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: NY

Complaint narrative:
I am writing to you as the holder of account number XXXXXXXX XXXX XXXX XXXX XXXX  for my mortgage ( XXXX XXXX XXXX ) to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date reported late payment : XX/XX/year> 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-04 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: TX

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

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 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I am submitting this statement because I recently discovered multiple unauthorized credit inquiries on my credit report. I was in the market for purchasing a vehicle and allowed XXXX dealership to review my credit for financing options. However, I later learned that my information was submitted to numerous lenders without my knowledge or explicit consent. As a result, there are now over XXXX hard inquiries appearing on my credit report from various financial institutions and auto lenders. I did not authorize each of these inquiries individually, nor was I informed that my credit would be sent to multiple lenders for approval. These excessive and unauthorized inquiries have negatively impacted my credit score and were conducted without proper disclosure or consent. I am requesting that these inquiries be investigated and removed from my credit report if found to be unauthorized or improperly obtained. Please provide written confirmation once the investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at DEPT OF EDXXXX on XX/XX/XXXX with a balance of {$2200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Issue : Ignored debt validation request ; refusal to accept reasonable settlement Details : I sent a debt validation request via certified mail on XX/XX/year>. The collector never responded, which is required under the Fair Debt Collection Practices Act ( FDCPA ). 
I attempted to negotiate a settlement for the account. I offered {$100.00}, a reasonable amount considering the debt was likely purchased for XXXX on the dollar. 
The collector refused the settlement offer and has insisted on full-balance payment or payment plans I can not afford. 
Their failure to respond to validation requests and refusal to negotiate a reasonable settlement violates my rights under the FDCPA and is causing stress and financial uncertainty. 

Requested Resolution : Provide proper debt validation in writing. 
Respond with the lowest total settlement amount that can be accepted as full and final payment. 
Confirm that once the account is settled, it will be marked Paid in Full and/or removed from all credit reporting agencies. 
Cease any collection attempts until the account is properly validated and a written resolution is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: AL

Complaint narrative:
Subject : Dispute of Negative Credit Report Information Dear XXXX XXXX XXXX am writing to dispute several entries in my credit report issued by Experian. After reviewing my credit file, I believe the following items are inaccurate or incorrectly reported : XXXX. Account with XXXX XXXX XXXX ( Account ID : XXXX ) o Status : Charge Off XXXX  Unpaid Balance : {$5000.00} o I believe this account is inaccurately reported as a charge-off. Please investigate the status and update my file accordingly. 
XXXX. Account with XXXX XXXX ( Account ID : XXXX ) o Status : Charge Off XXXX Unpaid Balance : {$440.00} o I believe this account may be inaccurately reflected as a charge-off. Kindly verify and correct this entry.

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 2025-11-04 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: IL

Complaint narrative:
I am disputing multiple accounts listed as charged off or containing inaccurate information on my TransUnion file. 

Accounts in Dispute : XXXX XXXX XXXX XXXX Acct : XXXX Reported charged off on XX/XX/XXXX Balance {$7000.00} XXXX Acct : XXXX Reported charged off on XX/XX/XXXX Balance {$480.00} XXXX Acct : XXXX Reported charged off on XX/XX/XXXX Balance {$610.00} XXXXXXXX XXXX Acct : XXXX Reported charged off on XX/XX/XXXX Balance {$6100.00} XXXX XXXX  Acct : XXXX Reported charged off on XX/XX/XXXX Balance {$6000.00} Please reinvestigate each of these accounts and verify their accuracy and completeness. If the furnisher can not provide documentation confirming the validity of these accounts or balances, I request deletion under FCRA 611 ( a ). 

Late Payment Dispute : XXXX XXXX XXXX  Acct : XXXX I believe this account contains inaccurate late payment data. Please verify and correct or delete. 

Inquiries : No inquiries are recognized at this time. I request confirmation that all inquiries are authorized and properly reported.

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 2025-11-04 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:
Would you mind examining this entry? It looks overdue and potentially wrong.

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 2025-11-04 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: MA

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-04 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:
Would you mind checking this record? It appears delayed and questionable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

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 2025-11-04 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: DE

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-04 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: LEXISNEXIS
State: AR

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
b"PayPal informed me that all USA customers would be issued a PayPal MasterCard unless they chose to opt out by XXXX XXXX. I called & emailed Paypal and opted out.  They issued the credit card to me anyways and refuse to cancel it despite three phone calls on my part today to XXXX XXXX XXXX.  I was informed that if I don't want the credit card they would close down my existing 12 year old PayPal account.  How can a company issue me a credit card without my permissiomn???"

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 2025-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> someone contacted me pretending to be my bank. I google the number on my phone and it came up as Chase bank. They said I had some fraudulent activity on my account. I did not verify any personal information with them but they new all my bank information. They did some reversal of legitimate transactions and told me not to log into my bank account for XXXX hours and someone would contact me back when it was fixed. That didn't sit will with me so I logged in anyway and saw that they then XXXX {$600.00} to a XXXX XXXX, so I immediately called the number on the back of my debit card and reported what had happened. I begged them not to honor that transaction. I told them I do not know this person and had never done any business with this person. I then followed up and went into the bank and filed fraud reports. The account they reversed were XXXX, XXXX and XXXX. They fixed those accounts but they XXXX transaction they said they couldn't do anything about that because it looked like it came from my phone. They did their investigation and sent letter and showed that they corrected those accounts but I would still be responsible for the {$600.00} transaction from XXXX. It doesn't make sense. All this happened at the same time but I am stuck with a {$660.00} deficit for a transaction that I didn't make.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: NY

Complaint narrative:
I have been receiving phone calls as well as written correspondence from this XXXX Collector. and I wanted the calls and contact to stop, I contacted this debt collector by phone and told them that I was not going to pay them, because we do not owe them anything. I was told that we have to have a formal denial in the office before we can remove it. 

So, I wrote a formal letter asking for debt validation, In which, I asked them for a copy of our original signed agreement with the original creditor. 

I also asked that they provide me with a copy of any signed agreement from me with Oliphant that would make this alleged debt payable to Oliphant.

we requested any supporting evidence that would include the complete chain of assignment, showing the transfer of this alleged debt from the original creditor to Oliphant USA , LLC. 

We asked for detailed documentation reflecting any payments made on this account, including dates and amounts. They have not provided any of the above documentation, but continue to report this alleged debt on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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