vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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:
The company is willfully furnishing false, inconsistent, and misleading information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Metro 2 reporting standards. The tradeline contains contradictory dates, account statuses, and payment histories across the credit reporting agencies, creating a materially inaccurate consumer file. I have made multiple written requests for verification in compliance with FCRA 607 ( b ) and 611, yet the company has failed to correct or validate the reporting. This ongoing inaccurate reporting is causing measurable harm to my creditworthiness and appears to be a deliberate act of negligent and/or willful noncompliance under FCRA 616 and 617, which entitles me to statutory, actual, and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
every week even asking on the phone multiple times to stop harassing me by this isn't my debit, they continue to contact me via email weekly saying to refocus on the debt, i have also sent a letter asking for proof and to cease and desist. Midland credit mgmt. has now been calling and emailing non stop since early 2024. They try to trick you when they call also, they don't introduce themselves they try and make it seem like they know you then back you into a corner and make you fee harassed. I sometimes have gotten 3 calls a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am sending this letter to you in response to a notice I received from you .Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalid information to any of the three major Credit Bureaus ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I am submitting this complaint because my credit reports contain false addresses, inaccurate accounts, unverifiable collections, late payments, charge-offs, and unauthorized inquiries. These errors violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Each error has caused me denial of credit, financial hardship, emotional distress, and reputational damage. 
Below, I list each disputed item separately with the Issue, Law, and Story. 
XXXXXXXX XXXX XXXX  High Balance : {$680000.00} Date Opened : XX/XX/XXXX Late Payment XXXX XXXX Issue : Late payments reported inaccurately. 
Law : FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know is inaccurate.

Story : These false late payments are extremely damaging because they are tied to a high-balance mortgage account. This makes it look like I was irresponsible with a home loan, which is very serious. Because of this, I was denied refinancing at a lower rate, costing me thousands of dollars. I also lost out on a chance to qualify for better insurance rates and faced personal shame when my family questioned why I could not get approved. 
XXXXXXXX XXXX XXXX High Balance : {$7400.00} Date Opened : XX/XX/XXXX Charge Off XXXX XXXX Issue : Charge-off reported without validation. 
Law : FDCPA 807 ( 8 ) prohibits false reporting ; FCRA 623 ( b ) requires correction of errors.

Story : This charge-off has severely damaged my credit. It makes me look like someone who completely abandoned a debt, which is false. Because of this derogatory mark, I was denied a small personal loan that I needed for medical expenses. I have faced harassment, humiliation, and extreme stress over something that should not be reported without full validation.

XXXXXXXX XXXX XXXX XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXXXXXX  Late Payment XXXX XXXX Issue : False late payments reported. 
Law : FCRA 607 ( b ) requires maximum possible accuracy.

Story : These false late payments are lowering my score month after month. I was denied approval for a vehicle lease due to these marks. It has created embarrassment in front of my family and peers when I can not qualify for basic financial products. 
Requested Relief Remove all wrong addresses, false accounts, charge-offs, collections, and unauthorized inquiries.

Enforce compliance with FCRA and FDCPA against all furnishers and CRAs. 
Compensate me for damages including financial loss, denials of credit, emotional distress, and reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: OH

Complaint narrative:
seen item listed on credit report called and asked for it to be removed as asked when paid XXXX  years ago. And its still reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: FL

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 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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as a formal dispute of the late payment currently being reported on my account. I maintain a strict record of my payments, and it is clear that the entry in question is incorrect. The false reporting has caused an unnecessary and harmful impact on my credit history, which must be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-25 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: WI

Complaint narrative:
This complaint is intentional and not sent in error. My credit report contains inaccurate entries that fail the FCRAs maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ). These errors are causing ongoing harm during an already difficult time.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I paid off my XXXX in XX/XX/XXXX it was recently removed by accident. Can you please add this account as a positive close account on my credit this was from a credit union. 

XXXX  XXXX Reported : XXXX. XXXX, XXXX Highest Balance {$27000.00} No Info Term XXXX. XXXX, XXXX ( 6 yrs, 2 mos ) 60 months Transunion

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 2025-08-26 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: MN

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$30.00} Late 30 days XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} Late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6500.00} Late 90 days XXXX XXXX  60 days XXXX XXXX 30 days XX/XX/XXXX And 30 days XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
I am writing to address an ongoing issue regarding inaccurate and misleading information on my credit report, despite my previous dispute letter sent to your company. I have recently reviewed an updated copy of my credit report and regretfully discovered that certain information remains unresolved and continues to be incorrectly reported. The consequences of your company 's non-compliance with relevant laws have had severe negative impacts on both my credit standing and reputation.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-26 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 this account for me to ensure accuracy. here is the account I am asking to be verify : - XXXX - XXXXXXXX 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 2025-08-25 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: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-25 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Hunt & Henriques
State: CA

Complaint narrative:
XXXX sirs, I got into a situation where I was not able to pay for my credit card ( XXXX XXXX ). It got to XXXX XXXX that my account was sent to Hunt & Henriques. 

I responded to the firm the day I got their letter. 
I wanted to work with them to get my debt paid. I went on their website and left a text message with the in-house leave a text message tool. They did not respond to the in-house text message I left. 
After a couple of months, I decided to call Hunt & Henriques and got their voicemail. 
I left a detailed message telling them I wanted to work out a plan to pay back my debt. 
No reply to the voicemail i left. 

I recently received a letter from XXXX XXXX XXXX XXXX stating that I would be served with a notice from Hunt & Henriques to appear in court for the debt. 

XXXX XXXX XXXX XXXX claimed that they could help with this court case and get me a settlement with Hunt & Henriques. 

I feel I was purposely ignored to get me into litigation for this debt and XXXX XXXX XXXX XXXX charged me a fee of {$1100.00} to get this matter settled with Hunt & Henriques. 

I will wind up paying the amount that I owe, despite the hardship that I am in now. 

Let me know if I have any recourse with this situation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: Synergetic Communication Inc
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents for my claim.

Company response to consumer: Closed with explanation