vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Incorrect addres and name on my report XXXX XXXX XXXX XXXX, TX XXXX NAME XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

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 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 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 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 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 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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MA

Complaint narrative:
I am filing this complaint because Experian continues to report inaccurate and invalid information on my credit report relating to a XXXX XXXX account ( partial account number XXXXXXXX XXXX XXXX XXXX XXXX ) that was legally dismissed in court and should no longer be listed as a collection or charge-off. 

The account is being reported by XXXX XXXX XXXX on behalf of XXXX Bank with a balance of {$5400.00}, opened XX/XX/XXXX, and status Collection/Charge-Off. This is false and misleading. 

Court Case Information : Case Name : XXXX Bank XXXX XXXX XXXX XXXX XXXX Docket Number : XXXX Court : XXXX XXXX XXXX Massachusetts XXXX XXXX XXXX Department, XXXX XXXX XXXX ( Small Claims Session ) Judgment Date : XX/XX/XXXX Result : Case Dismissed both parties failed to appear ; the defendant ( myself ) does not have to pay the plaintiff any part of the claim or costs. 

This dismissal means no valid debt or obligation exists, and therefore, Experian is reporting false and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations Cited : FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 5 ) Failure to delete unverifiable information after reinvestigation FDCPA 807 ( 8 ) False representation of the legal status of a debt Despite this court ruling, Experian continues to report the account as Collection/Charge-Off, damaging my credit standing and misrepresenting my financial history.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because Equifax is reporting XXXX previous addresses on my credit file that are entirely inaccurate and unrelated to me : XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX. I have never lived, received mail, or conducted any personal or financial business connected to either of these locations. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), Equifax has a clear obligation to maintain the maximum possible accuracy of the information it reports about consumers. Including addresses that do not belong to me violates this duty and raises serious questions about the integrity of my credit file. The presence of these addresses suggests either a file-mixing error, a data breach, or negligent sourcing of unverified address information. 

I have already attempted to dispute these inaccuracies directly with Equifax, but despite my requests, the addresses remain. The responses I have received have been automated and dismissive, indicating that no genuine reinvestigation was performed as required by 15 U.S.C. 1681i ( a ). That section mandates that, when a consumer disputes information, the credit bureau must conduct a reasonable reinvestigation to verify its accuracynot rely solely on automated verification from third-party furnishers. 

The continued presence of these addresses on my file has caused significant stress and concern. It creates a misleading picture of my personal history and increases the risk of identity confusion or fraud. When incorrect identifying information remains on a consumers report, it can affect credit decisions, identity verification, and even eligibility for financial opportunities. It is deeply unsettling to know that my credit recordsomething that directly impacts my livelihoodcontains information that is demonstrably false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
open complaint XXXX. Amex obfuscating resolution to a simple issue regarding fees & interest on AMEX credit card. From a 15 day response time to a 60 day response time. I deliberately scheduled a payment on XXXX on due date ( XXXX ) in advance to avoid any last minute roadblocks to paying on time. 
i also paid the interest/late fees which are in dispute to avoid compounding fees based on disputed fees in the original complaint. Now AMEX will have use of my disputed money for up to 60 days while they pretend to solve a straightforward issue. Can I charge them a {$40.00} fee ( {$.00} over their stated XXXX ) like they charged me for the use of my money while they pretend to resolve the original complaint issue? BTW I am a XXXXXXXX XXXX XXXX, XXXXXXXX XXXX Amex offers a special XXXX version of customer service. Considering the large number of XXXX speaking XXXX citizens who are customers why do they not offer an fluent in XXXX speaking representative option? Found many complaints on the interweb about AMEX preferential hiring of ( XXXX XXXX XXXX  for customer service over XXXX XXXX citizens. Seems XXXX & illegal to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00}

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I have received Phone calls, text messages, paper mail, e-mails from this company called " MCM ''. They call at least 3 times a day, 7 days a week, 365 days a year. Their Voicemail message always says, " This is a representative from MCM, calling in regard to your account '' and then that's it. It's always a different person calling, and always from a different number, these numbers Identify as being from all over the country, but when I try to call them back, they are non-existent numbers that are not in service ( They are calling from ghost numbers ). MCM has started repeatedly calling my parents, harassing them and making threats of litigation against them. I have Sent them a Cease-and-Desist Letter, Through Certified mail, with a signed return receipt ( showing proof they received it ), yet they have not stopped calling. 
I sent them a Debt Validation Request Letter, which was attached to the Cease-and-Desist letter, so I know they have received and signed for both! None of My requests have been acknowledged. The only thing they have responded with is a letter saying that they think their information is accurate ; A complete disregard for the rest of my requests, which were as follows : I required MCM to provide the following documentation within 30 days : XXXX. The name and address of the original creditor of the alleged debt and the current owner/holder. 
XXXX. A complete, itemized accounting of the alleged debt from inception to present ( all charges, payments, interest, fees, and dates ). 
XXXX. A copy of the original signed alleged contract or alleged agreement creating the alleged obligation ( front and back ). 
XXXX. Certified copies of any assignment ( XXXX ) or purchase agreement ( XXXX ) showing the chain of ownership of the alleged debt, including dates and signatures. 
XXXX. An affidavit signed under penalty of perjury by an authorized XXXX attesting to the accuracy of the documentation and their authority to collect the alleged debt. 
XXXX. Proof you are licensed or authorized to collect in The State of Ohio. 

Until you provide the requested validation, you must : ( a ) cease all collection activity on this alleged debt ; ( b ) not report this alleged debt to any credit reporting agency ; and ( c ) immediately cease all telephone, electronic, and in-person contact. All permissible communications must be in writing and sent exclusively via XXXX XXXX Mail, Return Receipt Requested, to the address at the top of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I initiated a wire transfer from XXXX Bank of America located in XXXX XXXX, Florida to a Bank of America account in XXXX, Illinois. I learned several weeks later that this was a scam as in catfish, XXXX XXXX XXXX XXXX scheme. I have requested Bank of America to recapture and return to me this amount. They said they can not do that. 
I felt, and so did The Bank of America, XXXX XXXX, Florida wire transfer person, confident in the transferring this because it was from XXXX Bank of America account XXXX XXXX Bank of America account. I, of course, assumed that the Bank of America account in XXXX was vetted as in some individual going into the bank location while being a videoed and documentation available as to who the individual is. 
The fact that this Bank of America account is a XXXX XXXX  account, I would like to hold Bank of America responsible for opening that account in XXXX and therefore refunding and returning to me the wire transfer amount, even if it is out of their own pocket .. At first look, it seems that Bank of America XXXX involved in this XXXX XXXX  scheme.

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 2025-10-14 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
I am disputing a debt that is being reported or collected that I do not recognize. I have never received any written validation or documentation proving that this debt is mine. 



I am requesting that the company provide full proof that this debt is valid and legally belongs to me, including the original creditor name, account details, and any signed agreement. 



If they can not provide valid proof, I request that this collection be removed from my credit report immediately, as it is inaccurate and damaging my credit. 



Please investigate this matter and ensure that the collector follows all requirements under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX BANK # XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
Dear TransUnion 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 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

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 2025-10-14 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-14 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: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-14 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:
My credit report contains incorrect and misleading items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-14 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:
My identity was stolen before the Covid pandemic resulting in negative accounts and poor quality of life due to negative impact in the community and law-enforcement presence at my home and work due to these negative accounts

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 2025-10-14 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: GA

Complaint narrative:
I am filing this complaint because Equifax is reporting unauthorized credit inquiries from XXXX XXXX ( XX/XX/year> ) and XXXX  ( XX/XX/year> ) that I never initiated, approved, or consented to. I have no existing credit applications, loan requests, or account relationships with either of these institutions that would justify these inquiries appearing on my credit report. Their presence indicates that my personal information was accessed without a permissible purpose, which constitutes a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies must ensure that every inquiry listed on a consumers credit report is made for a lawful and verifiable reason. Allowing inquiries without consent directly violates the requirement of maintaining maximum possible accuracy under 15 U.S.C. 1681e ( b ). Moreover, when a consumer disputes unauthorized inquiries, the bureau must conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). However, despite my repeated disputes and requests for validation, Equifax has failed to provide any supporting documentationsuch as signed applications, written consent, or communication recordsthat prove these credit checks were authorized by me.

Equifaxs continued failure to remove these inquiries or provide evidence of authorization reflects a lack of compliance with federal law. The burden of proof lies with the furnisher and credit bureau, not the consumer. Yet, I have received nothing but generic verified responses that do not meet the FCRAs standards for a proper investigation. This negligence has caused unnecessary frustration, emotional XXXX, and tangible harm to my credit profile. Unauthorized inquiries can negatively impact credit scores and create the appearance of excessive credit-seeking behavior, which can discourage lenders from extending crediteven when the consumer has done nothing wrong. 

It is deeply concerning that a national credit reporting agency like Equifax would allow third parties to access my credit file without proper verification or documentation. This undermines the integrity of the credit reporting system and erodes consumer trust. I am entitled to a fair, transparent, and accurate credit record, and Equifax has failed to uphold that standard in this instance.

Company response to consumer: Closed with explanation