vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( XXXX  ) 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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent a certified settlement offer and dispute letter to Midland Credit Management on XX/XX/year>. USPS shows they received it on XX/XX/year> at XXXX XXXX. They continue to to deny receiving the letter and have refused to respond. I am being blocked from resolving this debt despite following legal process. I call MCM and try to get more information on my mail and was advised by Agent who answered the call on not knowing what a certified mail is. I then get told to call back in 30 min, then i call and keep being advised that the group of people working on my account are busy or not in office. 
Call XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX ) ( Was advised on not knowing what a certified mail is ) XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX XXXX  XXXX min ( Was advised to call back the next day as the team or person handlining my account was not in office. 
XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX Didn't answer called back at XXXX ( XXXX -Was advised to call back in 30 min as team was not in or busy who is managing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Security Credit Services, LLC
State: VA

Complaint narrative:
There was a debt collection notice sent to a wrong address on top of me notifying XXXX the senior advisor at jomardy LLC that the merchandise had been stolen and also provided the report number detective name that took the warrant out on individual that stole the merchandise. Jomardy still place a hold on a bank account. I have no income except child support. Went to court unprepared no one told me what I needed. Was unaware of any proceedings until a hold was put on bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I open an Pnc bank account in XXXX XXXX XXXX, XXXX, Nc XXXX and check was deposit XX/XX/year> and NOW THEY CANT FIND CHECK THAT WAS DESPOSITED TO MY ACCOUNT. I WAS DIVORCING MY EX HUSBAND AND FROM I WAS TOLD THERE ILLIGAL WIRE TRNASFERS. NOW I COPY OF CHECK DESPOIST FROM THAT BRANK AND I WANT MY MISSING FUNDS. ALSO AS CLIFF NOTE THIS PERSON HAD FAKE DRIVER LICENSE AND WAS WITHDEAWING AND WAS TRYING GET A BANK LAON.. PLEASE HAVE REVIEW ALL CAMERA FOOTAGE. I DEPOSIT CHECK BRANKS. MY FUNDS ARE MISSING. I WENT TO BRANCH AND I ONLY GOT MONY FOR AN ACOUNT AND CHECK I DEPOSTIED WHILE IN XXXX. MONEY WAS EMBELZED FROM MY ACCOUNT. I SHOULD BE ABLE ACTUALLY COPY OF CHECK AND WIRE FRAUD. ILLEGAL DONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CBC Companies, Inc.
State: AZ

Complaint narrative:
I have previously disputed with TransUnion, Experian and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-27 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: LEXISNEXIS
State: GA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), only authorize party may furnish or access consumer information. XXXX is a third-party data broker and does not have the legal authority to share my personal bankruptcy or credit related information with XXXX  or any other credit reporting agency without my consent the United States XXXX  XXXX XXXX not have XXXX jurisdiction over how credit reporting agency handle consumer data, and therefore can not authorize or compel LEXIS-NEXIS or any data broker to act on behalf of a debtor by transmitting personal financial information to a credit bureau such action constitute a violation of Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
Under the Fair Credit Reporting Act ( FCRA ), only authorize party XXXX furnish or access consumer information. XXXX is a third-party XXXX XXXX and does not have the legal authority to share my personal bankruptcy or credit related information with Experian or any other credit reporting agency without my consent the United States Bankruptcy XXXX XXXX not have XXXX jurisdiction over how credit reporting agency handle consumer data, and therefore can not authorize or compel LEXIS-NEXIS or any XXXX  XXXX to act on behalf of a debtor by transmitting personal financial information to a credit bureau such action constitute a violation of Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: LA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( XXXX  ) 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 BANK ] Account 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 2025-06-27 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: CT

Complaint narrative:
I am submitting this complaint because Experian is reporting multiple unauthorized XXXX  inquiries on my credit report. These inquiries were made by XXXX XXXX, XXXX, and XXXX XXXX. I did not apply for credit with any of these companies and did not authorize them to access my credit file. 

I submitted a dispute and an FTC Identity Theft Report to Experian, clearly stating that these inquiries were made without my knowledge or consent, and requested immediate removal under the Fair Credit Reporting Act ( FCRA ). Despite this, Experian has refused to remove the inquiries. 

Under FCRA XXXX XXXX, I have the right to request that any information resulting from identity theft be blocked from my credit report. I am requesting that the CFPB ensure Experian properly investigates and removes these unauthorized inquiries.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC.
State: AL

Complaint narrative:
I noticed that I had a debt collection from Pinnacle Recovery , Inc on my XXXX  credit report on XX/XX/XXXX for maintenance fees from XXXX XXXX XXXX XXXX at XXXX. This time share was listed as my ex-husband being the sole owner of this XXXX in our divorce in XXXX. The timeshare has been paid in full but the maintenance fees would be his responsibility since he was the owner. I have never received a bill for the maintenance fees. I tried to contact XXXX XXXX and XXXX XXXX XXXX XXXX to dispute the charges. They are saying I am the owner because my name is still listed. I have copies of my final divorce decree saying he is the owner. The reason they put the debt on my credit report is because my ex-husband passed away in XXXX. He had a spouse and they are the ones that have taken advantage of the timeshare since XXXX. I tried to explain to XXXX that this is not my timeshare and I do not want it nor have I used it. Instead they say they can't talk to me until I pay his debt for the maintenance fees, late charge and collection fee. The amount they are saying is owed is {$1400.00}. After I called XXXX XXXX and XXXX, I noticed on XX/XX/XXXX that the collection was removed and my score went back up. Then I looked again and noticed that they put the collection back on my credit on XX/XX/XXXX. I had an excellent XXXX XXXX until this hit my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NY

Complaint narrative:
I did not consent to authorize nor benet from the following accounts and hard inquiries. I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. I need them to delete and block these inaccurate accounts from reflecting on my credit report. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 
I am fully aware of my rights under the Fair Credit Reporting Act ( XXXX  ). I need them to delete and block these inaccurate accounts from reflecting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


XXXX. XXXX XXXX XXXX Date of inquiry : XX/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 2025-06-27 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$30.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: DE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX DE XXXX ACCOUNTS : CREDIT COLL - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
Department of Education, XXXX XXXXXXXX XXXX 's, XXXX XXXX XXXX XXXX, Consumer Portfolio Service.I looked at all three credit reporting agencies Experian, Equifax, Transunion As of XXXX XXXX, and noticed are incomplete and not accurate. And according to the Fair Credit Reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). and according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after reinvestigation under paragraph ( XXXX  ) of any information disputed by a consumer, an item of the information is found inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the reinvestigation ; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-XXXX they are supposed to 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: WI

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are reporting an account from XXXX XXXX XXXX with repeated Charge Off XXXX XXXX XXXX entries every month for more than 18 months, from XXXX through XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), a charge-off is a one-time event. Repeated monthly reporting is considered illegal re-aging of debt and creates a misleading and damaging impact on my credit profile. 

Additionally, I am currently on an active payment plan with this creditor, but none of the credit bureaus are reporting this arrangement. This omission makes the credit reporting incomplete and inaccurate, also violating the FCRA. 

I previously disputed this account with the credit bureaus, and no meaningful correction was made. I am not requesting a reinvestigationI am requesting full deletion of this account due to repeated and unlawful reporting practices.

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 2025-06-27 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: WI

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are reporting an account from XXXX XXXX XXXX with repeated Charge Off XXXX XXXX XXXX entries every month for more than 18 months, from XXXX through XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), a charge-off is a one-time event. Repeated monthly reporting is considered illegal re-aging of debt and creates a misleading and damaging impact on my credit profile. 

Additionally, I am currently on an active payment plan with this creditor, but none of the credit bureaus are reporting this arrangement. This omission makes the credit reporting incomplete and inaccurate, also violating the FCRA. 

I previously disputed this account with the credit bureaus, and no meaningful correction was made. I am not requesting a reinvestigationI am requesting full deletion of this account due to repeated and unlawful reporting practices.

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 2025-06-27 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: FL

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 2025-06-27 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief