vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm contacting you because I recently discovered a credit inquiry on my report that I had no knowledge of, did not authorize, and did not initiate. This inquiry is fraudulent, plain and simple, and it should have never been made under my name. 

I have never applied for credit or given any form of consent to the company that pulled this inquiry. I only found out about it while reviewing my credit report, and Im furious that someone was able to access my personal credit file without my permission. This is not just a mistake it is unauthorized access to my private financial information, and it is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: NE

Complaint narrative:
These accounts were not opened or authorized by me and appear to be fraudulent. Please remove them immediately and investigate. Documentation is enclosed.

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 2025-10-29 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint against Midland Credit Management XXXX XXXX for willfully violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by reporting an account that I never authorized, signed for, or had any knowledge of. This account is not mine. Midland has failed to provide proper validation under FDCPA 809 ( b ), yet continues to furnish this false information to XXXX, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ).

A legally binding contract requires two consenting parties, and I never entered into any agreement with this company or its affiliates. Their ongoing reporting of inaccurate and unverifiable data has caused significant harm to my credit and reputation. I have suffered emotional distress, loss of sleep, constant stress, and embarrassment from repeated denials of credit and housing applications due to this false account. This has deeply affected my ability to provide safe and stable housing for my family and achieve financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am So sick of Citi playing Games with our Credit ScorXXXX. They approved me Citi XXXX XXXX XXXX and right away they restricted asking for XXXX Form After sending the form they opened it and I used my card, 1 day later they restricted again! I want my card to be open

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered that my Equifax credit score is not appearing on my credit report. Despite checking multiple times and submitting disputes, Equifax has failed to provide my score as required. This omission prevents me from monitoring my credit standing, comparing it with other bureaus, and ensuring accuracy across my reports. I have already submitted disputes and requests for correction, but no action has been taken. 

This is harming my ability to evaluate my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to provide complete and accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with. I have asked the CRA 's for a validation of debt, however the validation has not been provided. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached copy of my ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt letter

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Office of the Attorney General ( OAG ) is furnishing inaccurate child support information to the credit bureaus, including Experian. My credit report shows a past-due balance of {$110000.00} and reports the account as delinquent, even though this is incorrect. I have made regular payments toward my child support obligation through electronic transfers, which can be verified with my attached payment proof. 

I disputed this tradeline directly with Experian, but they closed the dispute stating, Investigation complete, reported by data furnisher, without providing verification or documentation from the OAG. This violates the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 623 ( a ) ( 2 ), which require the credit bureaus and data furnishers to ensure maximum possible accuracy and correct or delete any disputed information that can not be verified. 

The inaccurate reporting is harming my credit and misrepresents my payment history and balance. The data furnisher has not corrected or verified the account despite being notified multiple times. 

Requested Resolution : I am requesting that the CFPB require the credit bureaus and the Office of the Attorney General to delete this inaccurate child support tradeline from all consumer reporting agencies or, alternatively, correct it to reflect a {$0.00} balance and accurate payment history. I also request written confirmation once this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I ( XXXX XXXX ) and on XX/XX/year>, my son XXXX XXXX XXXX ) were seen by XXXX XXXX XXXX, XXXX at XXXX XXXX of XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, for our annual physical examinations. These were routine preventive visits required by my employers health plan and are covered 100 % by my XXXX XXXX insurance. 

Following these visits, I received a bill from XXXX XXXX for {$84.00}, and my son received bills for {$380.00} from XXXX XXXX and {$230.00} from XXXX XXXX XXXX. According to XXXX XXXX, these charges were submitted using diagnostic billing codes instead of preventive-care codes. I did not request or consent to any additional testing or diagnostic services beyond the annual exam. 

Since XX/XX/year>, I have made multiple attempts to contact XXXX XXXX and XXXX billing department via phone, voicemail, email, and patient-portal messages requesting correction or explanation. Despite these repeated efforts, I have received no response from the physician or her staff. 

Because of this inaction, XXXX XXXX referred my account to Credit Collection Services ( CCS ) for collection. I have since filed a formal written dispute with CCS to prevent credit damage. 

My complaint concerns unprofessional conduct and quality-of-care issues, specifically : Failure to respond to multiple patient communications regarding billing and coding errors ; Possible misuse of billing codes resulting in non-covered charges for preventive visits ; and Lack of transparency and communication causing unnecessary financial and emotional hardship. 

I respectfully request that the Board review XXXX XXXX responsiveness and coding practices and take appropriate action or require corrective measures to prevent further patient impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am disputing a rental debt being reported and collected by Sequium Asset Solutions in the amount of {$11000.00}. This amount is inaccurate and should never have been sent to collections. 
I moved out of XXXX XXXXXXXX XXXX  in XXXX, CA on XX/XX/year>, and provided my forwarding address at the time of move-out. 
Under California Civil Code 1950.5, the landlord was required to provide me with a written, itemized accounting within 21 days. I never received this accounting. 
The apartment was not listed as available until XX/XX/year>, and a new tenant moved in on XX/XX/year> ( confirmed by property management ). 
Under California Civil Code 1951.2, landlords must mitigate damages once a unit is re-rented. This means I can not legally owe the full lease balance. 
Despite this, Sequium is attempting to collect the full {$11000.00} and has already reported this to my credit, causing damage. 

I request that Sequium immediately : 1. Cease all collection activity on this account.

2. Correct or remove any negative credit reporting related to this account.

3. Only pursue charges that reflect a lawful, itemized accounting after the re-rent date ( XX/XX/year> ). 

This collection attempt is improper, misleading, and has caused me financial and personal harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information listed on my credit report is inaccurate and includes addresses that do not belong to me. I am providing the necessary documents as proof, and I am requesting that these incorrect addresses be removed immediately to ensure my report reflects only accurate and current information.

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
This debt collector has been harassing me and my family in every way has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I just to move on from this its been very stressful for me and family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I requested full documentation and verification for all the accounts report on my credit file that I believe contains inaccuracies. Specifically, I asked that the company to provide validation of each disputed account, including an original credit information, any relevant payments history, and proof that these accounts were correctly attributed to me under the Fair Credit Reporting Act ( FCRA ). I also requested details on how the data was verified.

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 2025-10-30 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: RI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate there items for me to ensure accuracy. 

Here is the item Im asking you to verify as accurate ; 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 2025-10-29 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Convergent Account has violated my rights, Hard Inquiries : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Late payments to remove : XXXX XXXX : XXXX and XXXX. XXXX XXXX XXXX XXXX section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Convergent Account has violated my rights, Hard Inquiries : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Late payments to remove : XXXX XXXX : XXXX and XXXX. XXXX XXXX XXXX XXXX section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-10-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Access Receivables of NC Inc.
State: VA

Complaint narrative:
I have an active payment plan in place with Access Receivable Management for an outstanding debt related to the Virginia Department of Taxation. Payments are being made on time and are on file with the agency. Despite this, I received a written " demand for payment '' implying that my account is past due or that payment is required immediately. 

This communication is misleading and causes confusion about my payment status. The letter appears to ignore my existing payment arrangement and could be interpreted as an attempt to pressure me into paying more than what was agreed upon. 

I believe this violates the Fair Debt Collections Practices Act ( FDCPA ) including : 15 U.S.C. 1692e prohibiting false or misleading representations about the debt and 15 U.S.C 1692d prohibiting conduct that harasses or oppresses the consumer. 

I entered in to this payment arrangement with a good faith payment of {$25.00} the monthly payments starting XX/XX/2025 until the balance is paid in full for the amount owed. The company mistakenly took a payment on XX/XX/XXXX for the {$220.00} which was not authorized by me ( since been refunded ). I called the company to ask for a settlement and it was at that time I was told that my payments were still on file schedule to be drafted XX/XX/2025 to which has cleared my bank account. The letter dated XX/XX/2025 contradicts the on file payment agreement I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Dispute Letter XXXX XXXX XXXX Bank ( Acct XXXX XXXX XXXX XXXX XXXX ) From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Email : XXXX Phone : XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute XXXX XXXX XXXX Bank ( Acct XXXX XXXX XXXX XXXX XXXXXXXX ) Fifth Attempt for Human Verification Dear Equifax XXXX Department, This is my fifth attempt disputing inaccurate and contradictory information being reported for XXXX XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXXXXXX. Equifax has failed to provide human verification or documentation from the furnisher, instead continuing to verify the tradeline using automated eOSCAR methods. The following specific errors and FCRA violations are identified below and supported by Exhibits AD. 
1 False Date Reported. Account shows Date Reported XX/XX/XXXX despite being closed XX/XX/XXXX an improper update after closure violating FCRA 623 ( a ) ( 2 ) and 607 ( b ). ( Exhibit A ) 2 Contradictory Timeline. DOFD XX/XX/XXXX precedes closure and conflicts with refreshed report date, constituting reaging under 605 ( c ). ( Exhibit A ) 3 Inconsistent Account Status. Report lists ChargedOff, Transferred or Sold, and Closed by Credit Grantor, simultaneously factually impossible violating 607 ( b ). ( Exhibit B ) 4 Missing Date of Last Activity. Absence of this field prevents correct aging calculations, violating 605 ( c ). ( Exhibit C ) 5 Duplicate Reporting to XXXX XXXX. Account marked Sold to XXXX XXXX, yet XXXX XXXX continues reporting ; this creates double derogatories violating 623 ( a ) ( 1 ) ( A ). ( Exhibit D ) 6 No Proof of Ownership or Transfer. No documentation has been provided showing lawful sale or assignment ; continued reporting violates 623 ( b ).

7 No Human Verification After Multiple Disputes. Automated closure of investigations without documentary evidence violates 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ) ( B ).

8 Improper PostClosure Updates. Updating a closed account to appear active or recent misrepresents status, violating 607 ( b ) and 623 ( a ) ( 2 ).

Requested Resolution I request that Equifax : 1. Obtain complete, humanverified documentation from XXXX XXXX XXXX Bank and/or XXXX XXXX establishing ownership, chargeoff details, and reporting accuracy. 
2. If such validation can not be produced within 30 days, permanently delete this tradeline from my credit file.

3. Ensure no reinsertion occurs without written notice and supporting documentation per 611 ( a ) ( 5 ) ( B ).

4. Recognize {$1000.00} per violation under FCRA 616617 for continued noncompliance. 
Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX | Phone : XXXX

Company response to consumer: Closed with explanation