vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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:
A FCRA violation occurs when a credit reporting agency fails to ensure XXXX XXXX accuracy in a consumers credit report. Under federal law, consumers may take legal action and recover damages if harmed. 

The following items are inaccurate and must be investigated and deleted immediately : Unauthorized Inquiries ( Dated XX/XX/year> ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These inquiries were not authorized and must be deleted as required by law. 
Disputed Accounts No Proof Provided : XXXX XXXX  XXXX Acct # XXXX XXXX Acct # XXXX No documentation has been provided to validate these debts. Under the doctrine of estoppel by silence ( XXXX v. XXXX, XXXX XXXX  XXXX, XXXX ), I may presume no valid debt exists. These accounts must be removed immediately. 
These entries violate my rights under the FCRA and require immediate correction.

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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
This letter was sent out on XX/XX/year>. 

To : ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, MI XXXX RE : Request for Debt Validation Under the Fair Debt Collection Practices Act To Whom It May Concern : I am writing in response to a letter sent about an alleged debt and/or a collection attempt from your company. This is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The name and address of the original creditor 2. A copy of the original signed contract or agreement bearing my signature 3. A complete accounting and payment history of the alleged debt 4. Proof that your company is authorized to collect on this debt, including the chain of assignment and ownership 5. The amount of the original debt, any added fees, interest, or payments Until this information is provided, I request that you cease all collection activity and remove any reporting to the credit bureaus. If you can not provide this information, you are required to remove the account and cease any further collection efforts. 

Please note that reporting inaccurate or unverifiable information to a credit reporting agency is a violation of the Fair Credit Reporting Act ( FCRA ). If this matter is not resolved, I reserve the right to file complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my states Attorney General. 

Thank you for your cooperation. I expect a response within 30 days. 

The information I requested, via this letter, was not provided. I received a letter from MIDLAND CREDIT MANAGEMENT stating, We have received the following information from you : We are uncertain of what you are specifically disputing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland Credit Management ( XXXX ) called my spouse at XXXX on XX/XX/year> to discuss a debt that does NOT have my husband on the account and I have never authorized any third party to discuss this account with him. All information ( account number, amount owed, when to call back, etc. ) was provided to my spouse without prompt. The collector started the conversation by asking if he had my birthday correct and when my spouse wouldnt confirm or deny, the collector moved into tactics of well why not?!.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I did not open or authorize the following accounts/inquiries, and I have no knowledge of them. These items were fraudulently opened or applied for using my personal information without my permission. I am requesting removal of the fraudulent accounts/inquiries from my credit report, and for a fraud alert and/or credit freeze to be placed on my file to prevent further unauthorized use of my identity.

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 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I did not open or authorize the following accounts/inquiries, and I have no knowledge of them. These items were fraudulently opened or applied for using my personal information without my permission. I am requesting removal of the fraudulent accounts/inquiries from my credit report, and for a fraud alert and/or credit freeze to be placed on my file to prevent further unauthorized use of my identity.

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 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lendbuzz Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX through a dealership in New Jersey ( called XXXX  XXXX ). My auto loan was financed by LendBuzz. I agreed to purchase the vehicle at a listed price of approximately {$18000.00} and made a {$7000.00} down payment. However, the total loan amount ended up being {$27000.00}, which I later discovered included unauthorized add-ons and hidden fees that were not clearly disclosed to me. 
After reviewing the loan documents more closely, I noticed two major charges one for {$5200.00} and another for {$2600.00} neither of which I knowingly agreed to. These were labeled as vague options such as XXXX and XXXX and XXXX, and were not discussed or explained during the sale. LendBuzz financed this inflated amount without verifying the legitimacy or necessity of those additional charges.

I called LendBuzz recently ( in XX/XX/XXXX ) to inquire, and the representative confirmed that only one product XXXX XXXX XXXX was listed on their end. The other two charges were never disclosed to them either and appear to have been added by the dealership without my full understanding or consent. 
Ive since canceled the XXXX protection and received a refund of {$4000.00} toward my loan balance. However, Im still paying off thousands of dollars for products I did not agree to. I am now significantly upside down on this loan and unable to trade in the vehicle or refinance, which is damaging my financial stability.

Im requesting an investigation into whether this loan was processed fairly and in compliance with disclosure laws, as well as whether XXXX should have done more to verify the legitimacy of the loan amount and the items it was financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc.
State: MS

Complaint narrative:
Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector
or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
This account was paid off was never in bad standings

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Equifax Report Error ( XXXX ) : Credit report pulled XX/XX/year> - I have sent written letters directly to Equifax via the postal mail service requesting a written response to be mailed to my current address listed above within 14 days of receiving my correspondence, instead I received emails. 

- I have also requested for all listed addresses be removed as they do not pertain to me at all including addresses I have never been associated with. 

- I have written letters with proof of inaccurate information highlighted on my credit report and have asked for the debt to list accurate information or to remove the listed items immediately. Some information on my credit report with Equifax has changed but still reports are inaccurate. These same creditors show different information on all major credit reports, such as Equifax, Transunion and XXXX  currently. 

-All letters that have been sent included a copy of my driver license, a copy of my Social Security Card along with a current utility bill in my name with my updated address and still received stall letters requesting me to prove my identity without fully investigating all of the inaccurate information on my credit report. 

I initially contacted Equifax regarding these inaccuracies on XX/XX/year>, XX/XX/year> and again on XX/XX/year> and followed up multiple times through both letters and phone calls. Despite my efforts, these errors remain unresolved, and the incorrect information continues to appear on my credit report. 

I have enclosed copies of my previous correspondence with Equifax and my credit report showing the continued errors, for your reference. The failure of Equifax to correct this issue in a timely manner not only violates my consumer rights but also continues to damage my creditworthiness unjustly.

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 2025-06-25 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Good afternoon I left out of state for work, I lost my phone so I was unavailable to make my {$120.00} dollar payment Is there anyway we can solve this and I can still use my target credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This account was charged off on XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update of payment history. A charged off account should NOT include an active payment history.This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly and your neglect has violated my rights. I am demanding a deletion of the following account. XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am seeking your help in beginning an investigation into the accounts in question, as they are not being accurately reported on my credit report. As provided by USC 1681g, I am formally requesting their removal within 15 days. All relevant supporting documents are included for your careful review. It is also important to point out that the information reported is inconsistent and incorrect across different credit bureaus

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 2025-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am seeking your help in beginning an investigation into the accounts in question, as they are not being accurately reported on my credit report. As provided by USC 1681g, I am formally requesting their removal within 15 days. All relevant supporting documents are included for your careful review. It is also important to point out that the information reported is inconsistent and incorrect across different credit bureaus

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 2025-06-25 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: TX

Complaint narrative:
I am seeking your help in beginning an investigation into the accounts in question, as they are not being accurately reported on my credit report. As provided by USC 1681g, I am formally requesting their removal within 15 days. All relevant supporting documents are included for your careful review. It is also important to point out that the information reported is inconsistent and incorrect across different credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
This letter is in response to multiple notices ( XXXX identical letters, all dated XX/XX/year> ) stating that additional information is needed to process my dispute. I am resubmitting the requested documents below for the second time, as they were already provided in full with my original correspondence. 

Per the Fair Credit Reporting Act, Section 605B, I am requesting that Equifax block and delete all accounts resulting from identity theft, specifically : Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent account due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent account due to identity theft

Company response to consumer: Closed with explanation