vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a formal dispute to NCB Management Services regarding an account they are reporting as an unpaid debt from XXXX XXXX, with a delinquency date of XX/XX/XXXX. I requested full validation of the debt under 15 U.S.C. 1692g, proof of legal ownership and assignment, and confirmation that the delinquency date is accurately reported. I also requested the original contract and payment ledger. NCB Management did not provide the requested documentation or validation. The account appears potentially re-aged and incomplete, with no supporting documents, possibly violating FCRA sections 1681s-2 ( b ) and 1681e ( b ). This inaccurate reporting is harming my credit, and I am requesting permanent deletion of this account from all credit reports if NCB Management can not fully verify it.

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
It has come to my attention 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 CRA 's for validation of debt, however the information 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 a copy of the FTC complaint, copy of XXXX report showing my information being exposed in national database 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 2025-07-18 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: FL

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ]

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: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear XXXX XXXX, I am disputing the incomplete and inaccurate reporting of account number XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), you are required to provide accurate and complete information to consumer reporting agencies ( CRAs ). Your reporting of a charge-off as a collection account, with no payment history prior to the first delinquency reporting, violates this obligation. 

This account shows no data from XX/XX/XXXX to XXXX XXXX, with many months marked " No Data '' before the collection status began. THIS IS INCOMPLETE AND BIASED REPORTING. As a utility provider, XXXX does not regularly furnish monthly updates to CRAs, rendering the report incomplete and misleading. This selective reporting of negative information without a full payment history breaches FCRA Section 623 ( a ) ( 1 ). 

I demand : 1. Immediate removal of this account from my credit report ( s ) due to multiple FCRA violations.

2. Proof of written notice, via certified mail, of negative information furnished to CRAs, as required by 15 U.S.C. 1666b, at least 21 days prior to the due date.

3. A detailed description of your investigation procedure, per 15 U.S.C. 1681i ( b ) ( iii ), including steps taken, documents reviewed, personnel involved, and evidence relied upon. 

Failure to comply within 30 days will result in escalation to pursuit of remedies under 15 U.S.C. 1681n and 1681o. This account must be marked as disputed and removed. 
Sincerely,

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this formal complaint against Experian due to their failure to properly verify and/or delete multiple inaccurate and unverifiable items listed on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I submitted a comprehensive written dispute letter to Experian ( attached ) detailing several accounts and personal identifiers that are either inaccurate, outdated, unverifiable, or incomplete. This letter also demands the removal of incorrect addresses and improperly reported account statuses. Experian has either failed to respond appropriately or continues to report misleading and unverifiable data that harms my creditworthiness. I respectfully request the Consumer Financial Protection Bureau to open an investigation and require Experian to comply with its legal obligations under FCRA 1681i, 1681e ( b ), 1681c, and 1681s-2 ( b ). Please see the attached letter for full details of my dispute.

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: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The LGM Co., Inc.
State: OH

Complaint narrative:
I am filing a formal complaint against LGM XXXX XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/, I sent a formal written request for debt validation, asking for a complete payment history, a breakdown of the outstanding balance, and a copy of the original loan agreement. 

In a written email response on XX/XX/2025, LGM representative XXXX XXXX refused to provide the requested documentation. She stated that I would first have to make a payment of {$790.00} before she would be " able to provide the documents you've requested. '' I responded in writing, advising XXXX XXXX that conditioning the delivery of legally required debt validation on a prior payment is a direct violation of the FDCPA. 

On XX/XX/XXXX XXXX XXXX XXXXXXXX responded via email, doubling down on their illegal policy. She wrote, " Because your account is now in legal status, we are unable to process any document requests until a payment has been made. '' LGM has now twice stated, in writing, a company policy that is in clear violation of federal law. They are illegally refusing to provide debt validation while continuing to demand payment and threaten repossession of my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: 2288984 Ontario Inc.
State: FL

Complaint narrative:
I took a PayDay loan for {$3500.00} that has now reached {$5500.00}, after learning about this company and its tactics. 

I have attempted to establish a payment plan, which unfortunately only allows me to make two single, low payments and then revert to a higher payment amount - a practice that is predatory lending. Most lenders are willing to work with clients who have financial issues, and I have tried on multiple occasions. 

This predatory practice is often committed against victims who are XXXX  or low-income ( 15 U.S.C. Chapter 41, Consumer Credit Protection 15 U.S.C. 1691, Equal Credit Opportunity Act ). I have reached out to XXXX  for payoff options, but keep getting the same payment terms that unfortunately do not work for me. 

Furthermore, I did not see a license to collect debt in Florida.

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: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax has failed to provide the level of protection and accuracy I expect as a consumer. As a result, I have been left vulnerable, exposed, and ultimately used. There is inaccurate and adverse information currently being reported on my consumer file, which I did not authorize and which has directly affected my creditworthiness and peace of mind.

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: WA

Complaint narrative:
Subject : Formal Complaint Inaccurate and Misleading Credit Reporting by XXXX  and XXXX XXXX XXXX I am submitting this complaint because XXXX  and XXXX XXXX XXXX XXXX XXXX are reporting false and misleading information on my credit report that I believe violates multiple sections of the Fair Credit Reporting Act ( FCRA ). 

Here are the details : I reviewed my credit report and found that Equifax is reporting a Date of Last Activity of XX/XX/XXXX for my XXXX XXXX XXXX account. This is incorrect. My last actual payment was made in XXXX, and there has been no account activity since then. This false date gives the appearance of recent activity when there hasnt been any. I believe this is an attempt to illegally re-age the debt, which is a violation of FCRA 1681c ( a ) ( 4 ) a rule that prohibits furnishing outdated negative information beyond the seven-year reporting period. 

In addition to that, there are inconsistencies between XXXX  and Experian regarding : The account type ( XXXX reports Monthly, Experian reports Revolving ) Last payment dates ( XXXX  lists XX/XX/XXXX, Experian lists XX/XX/XXXX ) Comments about the charge-off ( XXXX  includes XXXX CHARGED OFF ACCOUNT, '' while Experian does not ) These discrepancies violate FCRA 1681e ( b ), which requires that all credit reporting be done with the maximum possible accuracy. I have disputed this information, but the incorrect data has not been removed or corrected. 

Additionally, if XXXX XXXX XXXX is the source of this false or unverifiable data, then they are violating FCRA 1681s-2 ( a ) ( 1 ) ( A ), which states that furnishers must not report information they know to be inaccurate. Since I have previously disputed this data and no correction was made, I believe they are also violating FCRA 1681s-2 ( b ), which requires data furnishers to investigate and correct inaccurate information. 

I respectfully request that the CFPB : Investigate the reporting practices of XXXX and XXXX XXXX XXXX Require them to provide full documentation verifying the Date of Last Activity and account structure If they can not verify the information, require that the tradeline be corrected or deleted under FCRA 1681i Ensure that I receive a written outcome of the reinvestigation and an updated credit report These inaccuracies are having a negative impact on my creditworthiness. I am happy to submit documentation, including copies of the credit reports and proof of last activity. 

Sincerely, 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 2025-07-19 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX Balance : {$9300.00} 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 2025-07-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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: IL

Complaint narrative:
Fraudulent unknown account reporting to my credit. Stopping me from getting a house for my family.

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: GA

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 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was affected by the 2017 Equifax data breach. As a result, I am requesting that an account from XXXX XXXX XXXX ( account XXXX XXXXXXXX ) be permanently deleted from my credit report. I have submitted an FTC Identity Theft Report and supporting documentation under FCRA 605B. This account must be removed within 4 business days as required by 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 2025-07-18 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: TX

Complaint narrative:
I was affected by the 2017 Equifax data breach. As a result, I am requesting that an account from XXXX XXXX XXXX ( account XXXX XXXXXXXX ) be permanently deleted from my credit report. I have submitted an FTC Identity Theft Report and supporting documentation under FCRA 605B. This account must be removed within 4 business days as required by 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 2025-07-18 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: IL

Complaint narrative:
Fraudulent unknown account reporting to my credit. Stopping me from getting a house for my family.

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 — Investigation took more than 30 days
Company: Credit Karma, LLC
State: IL

Complaint narrative:
First, Credit Karma has not updated any correct credit information for me. 
Secondly a dispute filed back in XX/XX/2025 is still open and preventing me from disputing new fraudulent accounts in my name. I've reached out to credit karma, XXXX XXXX XXXX multiple times for an update and still nothing.

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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Dear experian I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to XXXX Experian and XXXX. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. XXXX account # XXXX balance {$1300.00}, XXXXXXXX XXXX account # XXXX balance {$11000.00}, XXXX XXXX XXXX XXXX account XXXX XXXX balance {$24000.00}, XXXX XXXX XXXX XXXX account # XXXX balance {$12000.00}. Please confirm the account name, number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX email : 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 2025-07-18 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: EQUIFAX, INC.
State: WI

Complaint narrative:
Dear XXXX  I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax, XXXX XXXX XXXX. To support this request, I have included the following documents : 1 A copy of my government issued photo Identification : 2 An identity theft report from the FTC : 3 proof of address. XXXX account # XXXX balance {$1300.00}, XXXX XXXX account # XXXX balance {$11000.00}, XXXX XXXX XXXX XXXX account XXXX XXXX  balance {$24000.00}, XXXX XXXX XXXX XXXX account # XXXX balance {$12000.00}. Please confirm the account name, number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter, sincerely XXXX XXXX email : XXXX XXXX

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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