vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports from Equifax Experian and TransUnion contain multiple inaccurate unverifiable and unauthorized items that must be deleted. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all reporting contradictory balances charge off status and payment histories that do not align with Metro 2 standards or the Fair Credit Reporting Act. These accounts show long stretches of XXXX notations but are still coded as derogatory or charged off. No signed contracts or original documents have been provided to verify these debts despite prior disputes. 

Inquiries : My reports also list unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I never applied for or consented to credit with these companies. These inquiries lack permissible purpose under 15 USC 1681b and misrepresent my credit activity while lowering my scores. 

Personal identifiers : My reports include false employer names such as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. They also show incorrect addresses including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and others as well as an incorrect date of birth XXXX and incorrect names XXXXXXXX XXXX XXXX XXXX XXXXXXXX. These false identifiers increase the risk of file mixing and identity confusion. 

I am a confirmed victim of the Equifax and XXXX data breaches which makes the continued reporting of inaccurate and unauthorized data especially harmful. The bureaus are in violation of 15 USC 1681e which requires maximum possible accuracy 15 USC 1681i which requires reasonable reinvestigation and 15 USC 1681b which governs permissible purpose. Despite my disputes the bureaus continue to parrot furnisher data without providing a method of verification. 

These errors are materially damaging my creditworthiness access to credit housing and other financial opportunities. I demand the immediate and permanent deletion of the above accounts unauthorized inquiries and incorrect personal identifiers from all three credit bureaus with updated reports sent to me confirming the corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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 report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2025-09-22 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management ( Collection ) No original creditor listed ( violates FCRA 1681g ( a ) ( 2 ) ).

Balance updated monthly though account is marked closed. 

Remarks show consumer disputes but not updated across all bureaus. 
Violations : 3

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C. 1681 section 602A. 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 an 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : - XXXX XXXX XXXXXXXX XX/XX/year> ( TransUnion ) - XXXX XXXX XXXXXX/XX/year> ( TransUnion )- XXXX XXXX XXXXXXXX XX/XX/year> ( TransUnion ) - XXXX XXXX XX/XX/year> ( TransUnion and Experian )

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 2025-09-22 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: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we did not agree on. A legal contract is signed by 2- parties and I did not participate in any of it. I demand this company to deleted this account from all 3 credit reporting company, or I will have no choice to forward this to my legal team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 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 2025-09-22 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: CA

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 explanation
Consumer complaint received 2025-09-22 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: FL

Complaint narrative:
I challenge the reporting of accounts I did not establish. Please conduct a meticulous review and delete them accordingly. Documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: CA

Complaint narrative:
T

his CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c2 ) that you, the TransUnion 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 : INQUIRIES : 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  Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 2025-09-22 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX sc XXXX XXXX : XX/XX/XXXX SSN : * * * XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXXXXXX XXXX, XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Unauthorized Credit Inquiries To Whom It May Concern, I am writing to formally dispute numerous unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may only furnish a report if there is a permissible purpose. I have never authorized or applied for credit with the creditors listed below, and therefore these inquiries are unlawful. 

These inquiries must be removed immediately, or you must provide documented proof of permissible purpose as required under FCRA 611 ( 15 U.S.C. 1681i ).

Inquiries in Dispute ( Based on MyFreeScoreNow credit reports may vary slightly by bureau ; please investigate and remove all unauthorized inquiries on file ) XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: AL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX  - XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Bear Claw Lending dba Lucent Cash
State: RI

Complaint narrative:
A loan was received from Bear Claw Lending d/b/a Lucent Cash on XX/XX/year>. The loan included a voluntary wage assignment as security in case of non-payment. 

The loan became past due on XX/XX/year>, with a balance of {$1600.00} owed. 

On XX/XX/year>, Lucent Cash sent a " Notice Of Voluntary Wage Assignment Intent, '' stating they would send a demand for wages to my employer XXXX days from the date of the notification. The notice indicated that up to XXXX XXXX of my wages would be garnished each pay period. Ive attempted to reach out to them plenty of times with no results. 

The company then contacted my employer regarding this alleged debt, which I considered a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

In response, on XX/XX/year>, I sent a formal " Dispute of Debt and Notice of Intent to File Complaint '' via email to the company, demanding they cease and desist all contact with me, my employer, and other third parties. I also stated my intent to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Rhode Island Attorney General 's Office.

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 2025-09-22 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 public record in my report has not been verified in Bankruptcy Court and I want these removed from my credit report immediately XXXX XXXX XXXX Case Number : XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
This public record in my report has not been verified in Bankruptcy Court and I want these removed from my credit report immediately XXXX XXXX XXXX Case Number : XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>.

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 2025-09-22 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: IL

Complaint narrative:
Consumer : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IL XXXX Companies Complained About : Experian Information Solutions , Inc . 
TransUnion, LLC XXXX  XXXX XXXX, XXXX Accounts in Dispute : XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) Complaint Summary The credit reporting agencies are furnishing inaccurate and unverifiable information by continuing to report both XXXX XXXX XXXX and XXXX XXXX XXXX for the same debt. These tradelines are legally unenforceable, and the CRAs are in violation of their duties under the FCRA. 



Key Violations XXXX. XXXX XXXX XXXX XXXX sold the account on XX/XX/XXXX to XXXX XXXX. 
XXXX has no ownership rights but continues reporting balances ( {$15000.00} on Experian vs {$15000.00} on TransUnion/XXXX ) XXXX 
This is furnishing inaccurate information under FCRA 623 ( a ) ( 1 ) ( A ). 
At most, XXXX can report a historical tradeline with {$0.00} balance/ closed/ sold, not an active charge-off balance. 

XXXX. XXXX XXXX XXXX I sent a debt validation demand on XX/XX/XXXX. 
XXXX never validated but continued reporting, violating FDCPA 1692g ( b ) and FCRA 623 ( b ). 
In its CFPB response, XXXX admitted it has terminated collection efforts and will request deletion. 
XXXX was not licensed in Illinois until XX/XX/XXXX. Any reporting or collection prior to that date was unlawful under the Illinois Collection Agency Act ( 225 ILCS 425 ). 

XXXX. Double Reporting / Inconsistent Balances The same debt is being reported twice : once by XXXX ( charge-off ) and again by XXXX ( collection ). 
XXXX reports two different balances across Experian and TransUnion. 
This creates false and misleading data in violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) ( CRA duty to assure maximum possible accuracy ). 

4. CRA Violations Under FCRA 611 ( a ) ( 1 ) ( A ), CRAs must delete unverifiable information after a dispute. 
XXXX admitted termination and deletion, XXXX admitted sale, yet the CRAs continue reporting both. 
Under FCRA XXXX ( a ) ( XXXX ) ( A ), unverifiable accounts must be deleted within 30 days. 
By verifying and continuing to report, the CRAs are knowingly furnishing inaccurate and unlawful information. 



Harm to Consumer My credit score and reputation have been damaged by double reporting and inaccurate balances. 
I am being penalized twice for a single debt. 
The CRAs refusal to delete after clear evidence of invalid reporting has caused 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 2025-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I applied for a new income-based repayment plan through MOHELA and was approved on XX/XX/XXXX. I received two different letters that listed my start dates as XX/XX/XXXX, and XX/XX/XXXX. Then for some reason that Mohela can't explain to me, my start date was pushed back to XX/XX/XXXX. My forbearance was then extended once again through XXXX, with no explanation, communication, or hope that it won't continue to be extended. I just discovered that my forbearance was extended againthrough XX/XX/year>. 

I'm eligible for public service loan forgiveness, and have made 113 of 120 required payments over the last XXXX  years. I only have seven left and just want to pay my loans.

Company response to consumer: Untimely response