vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
So I owed a certain amount of money to MCM and when I tried to come up with a payment plan with them they kept rejecting how much I was able to pay. My situation has worsen over the years since I have owed them money and the first year I tried to pay it back in small increments every week but they kept trying to say that the lowest I could pay were 2000 dollars a week and I kept trying to tell them that I put myself through school and I didnt have a job at the time. Things have worsen since then I have gotten into a car accident and my legs havent been the same since so it affects my ability to work. I dont have insurance so I couldnt get it looked at so I been enrolling in self treatment the best I can. I am still putting myself through school while also having to pay monthly for the damage to my car. I tried to set up a reasonable plan with them but the amount I can pay they dont want to let me pay it so I dont know what else to do and they want to sue me now even though I tried to make a payment plan that was reasonable for my financial situation that they wouldnt accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-12 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-08-12 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: PA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-12 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
b'1.) XXXX XXXX  Multiple entries with inconsistent names and account details, indicating possible duplicate or mixed file reporting.\nPotential Violations: FCRA  XXXX(a),  XXXX,  XXXX(b),  XXXX(a)(1)XXXX) XXXX XXXX Home Mortgage  Reporting false delinquency and potential re-aging of the account.\nPotential Violations: FCRA  XXXX(a),  XXXX(a),  XXXX(bXXXX) XXXX XXXX  Negative reporting remains despite prior dispute resolution in your favor.\nPotential Violations: FCRA  XXXX(a)(5)(A),  XX/XX/XXXX(b)XXXX) XXXX XXXX XXXX  Inaccurate payment history; no reinvestigation results provided Potential Violations: FCRA  XXXX(a),  XXXX(b). No late payments.\n\n9.) Potential Violations: FCRA  XXXX(a)(3),  XXXX(a); FDCPA  XXXX(b)XXXXUnder FCRA  XXXXa)(3) [XXXX  U.S.C.  XXXX], I am requesting the legally permissible purpose for the hard and soft inquiries listed below. No explanation was provided upon my request. This applies to both hard pulls and soft pulls by the following entities: XXXX, XXXX Card Services, XXXX XXXX Card Services XXXX), XXXX XXXX Card Services (XXXX), XXXX XXXX XXXX (XXXX), XXXX XXXX XXXX (XXXX). If you cannot provide a legally valid permissible purpose and supporting documentation, I demand immediate removal of these inquiries from my credit file. I demand that TransUnion: 1. Provide full validation, including original signed agreements, complete payment histories, and the full chain of custody for each disputed account. 2. Permanently delete any account or inquiry that cannot be fully validated. 3. Provide a detailed explanation of the permissible purpose for each hard and soft inquiry. 4. Correct my credit file to remove all inaccurate or unverifiable entries. XXXX Credit Card, Acct# XXXX   Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX Bank Card Serv, Acct# XXXX  Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX Card Serv, Acct# XXXX  Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX Card Serv, Acct# XXXX  Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Acct# XXXX   Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Acct# XXXX  Tracking No. XX/XX/XXXX, Acct# XXXX  Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX, Acct# XXXX  Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX., Acct# XXXX  Tracking No. 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 non-monetary relief
Consumer complaint received 2025-08-12 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: TN

Complaint narrative:
Issue : Equifax XXXX XXXX XXXX failing to remove inaccurate information after dispute and confirmed data breach I am a confirmed victim of the Equifax XXXX breach, as verified on Equifax 's official settlement site ( Engagement Number : XXXX ). My personal information was compromised due t Equifax 's failure to safeguard consumer data. Following the breach, inaccurate, unverifiable, and fraudulent negative items appeared on my Equifax credit report. On XXXX, and XX/XX/year>, I formally disputed these accounts in writing under the Fair Credit Reporting Act, The XXXX XXXX XXXX, and XXXX XXXX XXXX Standards. 
I cited : 15 USC 1681 c-2 -Requires blocking of information from identity theft.

15 USC 1692g-Requires debt validation and deletion if not verified Metro 2 Compliance Standards -Require accurate, complete, and updated data reporting. 
Equifax has failed to remove these accounts or provide adequate proof of verification. This is willful non-compliance and an ongoing violation of federal law. It has caused financial harm, reduced my credit score, and damaged my credit reputation. 
What I want the company to do : Permanently delete all inaccurate, unverifiable, and fraudulent accounts from my Equifax credit report. Provide written confirmation that my file is corrected. Provide a free updated credit report. 
FCRA 605 C 1 -Prohibits obsolete and unverifiable reporting.

15USC 6801-6802- Requires safeguarding of consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: UT

Complaint narrative:
Honestly Ive been trying to get this XXXX taken care of but lets be b honest Ive been on some sick ones if you know you know since like I got out of the joint which was like 2012 but even then Id still go on tour and XXXX then go right back to the joint to either dry out mostly for me anyways look all Im saying is Im out again XXXX XXXX XXXX a XXXX  homeless Im jus trying to do the right thing without having to lay on my back whatever numerous breaches my info was used stolen etc

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 2025-08-12 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: KY

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-08-12 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: FL

Complaint narrative:
I am filing a complaint against the following companies for reporting closed or unvalidated accounts that I do not owe and that I have formally disputed : XXXX  XXXX {$0.00} reported balance ( closed ) XXXX  {$0.00} reported balance ( closed ) XXXX  {$0.00} reported balance ( closed ) XXXX XXXX XXXX XXXX {$0.00} reported balance, {$500.00} credit limit ( closed ) XXXX XXXX XXXX XXXX {$9100.00} reported balance, {$10000.00} credit limit ( closed ) XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  ( closed ) XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX ( closed ) XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX ( closed ) Nature of the Complaint These are closed accounts that I do not owe. I have no contractual, financial, or personal relationship with these companies. I have never signed any contract, application, or purchase agreement with them. 
I have formally disputed each account in writing and requested proof of the original signed contract or purchase agreement linking me to the alleged debt. To date, none of these companies have provided any validation or documentation to prove the debts are mine. 

Legal Violations Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g & 1692c Requires debt collectors to cease collection activities until a disputed debt is validated with proper documentation.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n & 1681s-2 ( b ) Prohibits the reporting of inaccurate or unverified information to credit reporting agencies and requires prompt correction or deletion of such information once disputed. 
Continuing to report these accounts without providing proof of validity is willful noncompliance with federal law. This is a pattern of unlawful reporting, not an isolated incident. 
Harm Caused These false reports have damaged my credit score, interfered with my ability to secure financing, and caused reputational and financial harm.

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 2025-08-12 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: 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 explanation
Consumer complaint received 2025-08-12 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: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-12 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: Experian Information Solutions Inc.
State: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven 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 2025-08-12 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$15000.00}

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 2025-08-12 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation