vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I'm submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX XXXX XXXX XXXX Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: OH

Complaint narrative:
Ive explained to Transunion in specific several times that I dont recognize the capital XXXX hard inquiry on my profile reported on XX/XX/XXXX as well as a collection from XX/XX/XXXX from XXXX XXXX XXXX Ive XXXX reached out to this collection company to delete this from my credit profile and to stop contacting me immediately XXXX aware of the lawsuit the cfpb has against Transunion for not properly investigating these things

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 2025-07-18 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: MD

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 XXXX 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 2025-07-18 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: MD

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 non-monetary relief
Consumer complaint received 2025-07-18 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 2025-07-18 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a written dispute to ConServe requesting a full investigation into XXXX accounts they are reporting to all three credit bureaus. The first account ends in XXXX and the second ends in XXXX. I received responses for both accounts ; however, the investigations were inadequate and did not meet the standards outlined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. ConServe failed to conduct a reasonable investigation or provide documentation verifying the accuracy of the reported information. Since they did not complete a sufficient investigation within the required XXXX period, they are obligated under FCRA to XXXX reporting these accounts. As of now, XXXX continues to report both accounts, despite not meeting their legal obligations.

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 2025-07-18 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: FL

Complaint narrative:
This letter is a formal dispute and notice of federal law violations concerning the account referenced above. 

XXXX XXXX is currently reporting and attempting to collect on a charged-off and repossessed auto loan account, even though the account was closed, charged off on XX/XX/XXXX, and the collateral ( vehicle ) was recovered and sold in XX/XX/XXXX. Despite this, your company continues to : Report a balance as currently due ; Fail to provide a full accounting post-sale ; Refuse to supply legal documentation proving a continued right to collect. 

This constitutes misrepresentation of the legal status of the debt, and XXXX violate several provisions of federal law. 
15 U.S.C. 1692e ( 2 ) ( A ) False Representation You are misrepresenting the character, amount, or legal status of the debt by : Reporting a balance due after the contract was charged off and the asset was sold ; Failing to acknowledge whether a 1099-C was issued, indicating cancellation of debt ; Implying continued collection authority without documented proof. 

15 U.S.C. 1692g Failure to Validate Debt You failed to provide : A proper validation of the alleged deficiency balance ; Itemized accounting or breakdown of charges post-repossession ; Proof of ownership or assignment ; A copy of the Notice of Deficiency and mailing records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
Subject : Identity Theft Dispute Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 FTC Identity Theft Report No. : XXXX To Whom It May Concern : I am writing to formally dispute fraudulent accounts currently being reported on my credit file, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). These accounts were opened as a result of identity theft, which I have reported to the Federal Trade Commission. I am enclosing a copy of my official FTC Identity Theft Report No. XXXX, dated XX/XX/XXXX, along with supporting documentation. 

Fraudulent Accounts to Be Blocked and Deleted : 1. XXXX Account # : XXXX Reported by : TransUnion Date Opened : XX/XX/XXXX Balance : {$3800.00} Status : Charge-Off / Collection Date of Last Activity : XX/XX/XXXX Remarks : Charged off as bad debt profit and loss write-off Note : I never authorized or opened this account. I have no relationship with XXXX, and this account is the result of identity theft. 

2. XXXX  Account # : XXXX Reported by : TransUnion Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Closed/ Refinance Closed Date : XX/XX/XXXX Remarks : Account closed due to refinance Note : This account is directly listed in my FTC Identity Theft Report and should be blocked under federal law. 

Legal Basis for Dispute : Under the FCRA, specifically 15 U.S.C. 1681c-2 ( FCRA 605B ), you are required to block and cease reporting of all information resulting from identity theft within XXXX ( XXXX ) business days of receiving appropriate documentation. You are prohibited from re-reporting this information unless it is verified and properly reinserted under 15 U.S.C. 1681i ( a ) ( 5 ).

Continued reporting of these accounts without proper verification constitutes : Willful Noncompliance under 15 U.S.C. 1681n Negligent Noncompliance under 15 U.S.C. 1681o Violation of Privacy under 15 U.S.C. 1681b ( f ) and 1681a ( 4 ) These fraudulent accounts have no business being on my report, and other bureaus have either not reported them or have removed them, further confirming their invalidity. 

Requested Actions : Immediately block and permanently delete the fraudulent XXXX accounts listed above. 

Send written confirmation of the deletion. 

Refrain from re-reporting this information unless it meets full reinsertion standards under FCRA. 

Do not share this data with any current or future creditors or third parties.

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 2025-07-18 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: RI

Complaint narrative:
I am filing this complaint to dispute XXXX charged-off accounts originally held by XXXX XXXX Bank XXXX XXXX in * XXXX and * XXXX ) and to report duplicate collection activity from separate entities for the same balances. 

These accounts were charged off in XXXX and XXXX, yet both are still being reported as charged off every single month through XX/XX/XXXX on my credit reports ( Equifax and Experian ), in violation of : FCRA 623 ( a ) ( 5 ) Furnishers are required to report accounts accurately. Continual re-reporting of a charge-off is misleading and artificially extends the derogatory effect.

FCRA 611 & 607 ( b ) My disputes were verified without addressing the core issue : repeated negative reporting post-closure. 
XXXX XXXX XXXX XXXX XXXX should be reported once, with final status ( e.g., Paid, Sold, or Transferred ), not monthly indefinitely. 

In addition, I am now seeing collection activity from XXXX XXXX XXXX for the same balance that XXXX XXXX already charged off. This is either a case of : Incorrect double reporting on my credit file, or Double collection efforts for the same debt, which is prohibited under the Fair Debt Collection Practices Act ( FDCPA ). 

These practices result in an inaccurate picture of my creditworthiness, artificially inflate my reported debt, and are materially misleading to lenders.

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 2025-07-18 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: OH

Complaint narrative:
In response to the ongoing reporting of a collection account on my credit file by XXXX XXXX XXXX I am writing to formally dispute this claim and request its permanent removal.

I must emphasize that I have no prior knowledge of XXXX XXXX and do not recognize their legitimacy as a creditor. Consequently, I am seeking proper validation of this debt claim. 
XXXX has failed to provide sufficient documentation to substantiate their legal authority to collect or report this debt. It is crucial to clarify that XXXX XXXX XXXX not the original creditor, and they have not presented any signed agreement or legally executed assignment that establishes ownership or transfer of this debt. 
I take my financial obligations seriously, but I also believe in the importance of ensuring that all information reported about me is accurate, lawful, and fully verified. 
To support my request, I outline the following legal grounds : 1. * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : * * Under this act, I am entitled to request proper validation of the debt claim, including the amount owed, the name of the original creditor, and verifiable proof of assignment or ownership. XXXX has not complied with this requirement in a meaningful manner. 
XXXX. * * Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) : * * Any item listed on my credit report must be accurate and verifiable. If a company is unable to confirm the validity of an account, it must be removed. In this case, XXXX  failure to verify the debt warrants immediate deletion. 
XXXX. * * Uniform Commercial Code ( UCC 9-406 ( c ) ) : * * If I, as the alleged debtor, request proof of assignment, it must be provided. Without valid documentation, including a signed contract or executed assignment, XXXX lacks standing to collect or report this account. 
XXXX. * * Uniform Commercial Code ( UCC 3-305 and 3-309 ) : * * These sections further outline that only a valid holder or a non-holder with holders rights can enforce a financial instrument. If the original instrument is lost, strict evidentiary standards apply. XXXX has not met any such burden. 
Given these legal standards and their failure to meet them, I am requesting the permanent deletion of this collection account from all credit reporting agencies. This item should not be sold, transferred, or reinserted at a later date. Monetary compensation, as permitted by 15 U.S.C. 1692k and 15 U.S.C. 1681n, for the damages caused, such as reduced credit scores and denied opportunities for housing and transportation, is required. Written confirmation that this matter has been resolved and that the account has been 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 2025-07-18 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: OH

Complaint narrative:
In response to the ongoing reporting of a collection account on my credit file by XXXX XXXX XXXX I am writing to formally dispute this claim and request its permanent removal.

I must emphasize that I have no prior knowledge of XXXX XXXX and do not recognize their legitimacy as a creditor. Consequently, I am seeking proper validation of this debt claim. 
XXXX has failed to provide sufficient documentation to substantiate their legal authority to collect or report this debt. It is crucial to clarify that XXXX XXXX XXXX not the original creditor, and they have not presented any signed agreement or legally executed assignment that establishes ownership or transfer of this debt. 
I take my financial obligations seriously, but I also believe in the importance of ensuring that all information reported about me is accurate, lawful, and fully verified. 
To support my request, I outline the following legal grounds : 1. * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) : * * Under this act, I am entitled to request proper validation of the debt claim, including the amount owed, the name of the original creditor, and verifiable proof of assignment or ownership. XXXX has not complied with this requirement in a meaningful manner. 
XXXX. * * Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ) : * * Any item listed on my credit report must be accurate and verifiable. If a company is unable to confirm the validity of an account, it must be removed. In this case, XXXX  failure to verify the debt warrants immediate deletion. 
XXXX. * * Uniform Commercial Code ( UCC 9-406 ( c ) ) : * * If I, as the alleged debtor, request proof of assignment, it must be provided. Without valid documentation, including a signed contract or executed assignment, XXXX lacks standing to collect or report this account. 
XXXX. * * Uniform Commercial Code ( UCC 3-305 and 3-309 ) : * * These sections further outline that only a valid holder or a non-holder with holders rights can enforce a financial instrument. If the original instrument is lost, strict evidentiary standards apply. XXXX has not met any such burden. 
Given these legal standards and their failure to meet them, I am requesting the permanent deletion of this collection account from all credit reporting agencies. This item should not be sold, transferred, or reinserted at a later date. Monetary compensation, as permitted by 15 U.S.C. 1692k and 15 U.S.C. 1681n, for the damages caused, such as reduced credit scores and denied opportunities for housing and transportation, is required. Written confirmation that this matter has been resolved and that the account has been 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