vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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 filing this statement to formally report that several accounts appearing on my credit reportspecifically through XXXX not mine. These accounts were opened, reported, and sold to collection agencies without my knowledge, consent, or permission. Despite providing evidence, XXXX  has continuously refused to remove them from my file, even though they do not appear on XXXX or TransUnion, which raises further concern about the accuracy and legality of the reporting. 

The following accounts are being falsely reported and must be investigated and removed immediately : XXXX. XXXX XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX XXXX Account ending in XXXX XXXX. XXXX Account ending in XXXX XXXX. XXXX XXXX XXXX Account ending in XXXX These accounts were not opened or authorized by me. In addition, many were sold to third-party collectors without my consent, in direct violation of my rights under 15 U.S. Code 1681b, which outlines the permissible purposes for accessing and using consumer credit data. Reporting or selling unauthorized debts is not one of them.

I am requesting immediate removal of these accounts from all of my credit reports. This is an official statement that they are not mine, and I am demanding full compliance with the Fair Credit Reporting Act ( FCRA ). If they can not be fully verified and validated, they must be deleted. 

Thank you for your attention and swift action.

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 2025-04-20 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 filing this statement to formally report that several accounts appearing on my credit reportspecifically through XXXX not mine. These accounts were opened, reported, and sold to collection agencies without my knowledge, consent, or permission. Despite providing evidence, Experian has continuously refused to remove them from my file, even though they do not appear on Equifax or TransUnion, which raises further concern about the accuracy and legality of the reporting. 

The following accounts are being falsely reported and must be investigated and removed immediately : XXXX. XXXX XXXX XXXX Account ending in XXXX XXXX. XXXX XXXX XXXX Account ending in XXXX XXXX. XXXX Account ending in XXXX XXXX. XXXX XXXX XXXX Account ending in XXXX These accounts were not opened or authorized by me. In addition, many were sold to third-party collectors without my consent, in direct violation of my rights under 15 U.S. Code 1681b, which outlines the permissible purposes for accessing and using consumer credit data. Reporting or selling unauthorized debts is not one of them. 

I am requesting immediate removal of these accounts from all of my credit reports. This is an official statement that they are not mine, and I am demanding full compliance with the Fair Credit Reporting Act ( FCRA ). If they can not be fully verified and validated, they must be deleted. 

Thank you for your attention and swift action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: SC

Complaint narrative:
After reviewing my credit report I notice that I have fraudulent collections on my report. The negative collections are damaging my report. Please remove the collections from my credit report.

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 2025-04-20 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: SC

Complaint narrative:
After reviewing my credit report I notice that I have fraudulent collections on my report. The negative collections are damaging my report. Please remove the collections from my credit report.

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 2025-04-20 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting of American Express Account To Whom It XXXX Concern, I am writing to file a formal complaint regarding the inaccurate and inconsistent reporting of an American Express account that is currently appearing on my credit report. 

According to the credit reports from XXXX  and XXXX, the account is being reported with multiple discrepancies and conflicting information that I believe violates the Fair Credit Reporting Act ( XXXX  ). Specifically : The account is showing a high balance of {$18000.00}, which I dispute. 
My past due balance is reported as {$14000.00}, which I also believe is being reported inaccurately. 
The account opening date differs between XXXX  and XXXX, which creates confusion and inconsistency in the reporting timeline. 
On one bureau, the payment status is listed as Charged Off, while on the other, it states Unpaid balance reported as a loss by the credit grantor. 
These terms imply different statuses and financial obligations and XXXX impact how the account is interpreted by lenders and scoring models. 

I have made multiple attempts to resolve this matter with American Express directly, to no avail. I have not been provided with a clear breakdown or validation of the amounts being reported, nor a consistent explanation of the accounts current status. 

Given the multiple reporting inconsistencies and the potential damage to my credit profile, I am requesting a full investigation into this matter and a correction or removal of this account from my credit report. If the information can not be verified as accurate and complete by the furnisher, it must be deleted, per FCRA guidelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: NC

Complaint narrative:
After reviewing my credit report I noticed that I have some fraudulent accounts listed on my credit report. The fraudulent accounts are hurting my ability to obtain new credit. Please remove the fraudulent collections from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: HI

Complaint narrative:
AARGON AGENCY Potentially negative Date opened XX/XX/XXXX XXXX {$680.00} Status XXXX account. {$680.00} past due as of XXXX XXXX. 


This XXXX XXXX XXXX LIED about the amount they tried to collect just to show and affect my credit score and report. 

They inflated in 300 % over the real amount. This company shouldn't be in business. 
I need help. 

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 2025-04-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries on my credit report These inquiries were not authorized by me, and I did not apply for any credit/services with these entities. 

This situation is especially alarming given that I was directly impacted by the XXXX Equifax data breach ( documentation attached for reference ). Additionally, I have concerns about potential vulnerabilities from the TransUnion data breach reported in [ year, if applicable ]. These breaches likely contributed to the fraudulent activity now impacting my credit profile. 

Requested Actions : Immediately remove all unrecognized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXP XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX FIN XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Investigate how these inquiries were initiated without my consent, particularly in light of the aforementioned breaches. 

I have attached documentation confirming my involvement in the Equifax breach and other relevant evidence. Please advise if further information is needed to expedite this process. 

Thank you for prioritizing this urgent matter. I trust you will resolve this promptly to mitigate further harm to my creditworthiness. 

Best regards,

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 2025-04-20 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
-- - * * Midland Credit Management * * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : * * Dispute of Incorrect Debt * * Dear Sir/Madam, I am writing to formally dispute an incorrect debt listed under my name in your records. The debt referenced is related to an account identified by the following details : - * * Account Number : * * - * * Amount of Debt : * * [ XXXX - * * Date Reported : * * [ XX/XX/year> I believe this debt is inaccurate for the following reasons : - [ Provide your reason for the dispute : e.g., I never opened an account with the company, I have already paid off the debt, the amount is incorrect, etc. ] I request that you conduct a thorough investigation into this matter in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please provide me with the following documentation to verify this debt : 1. A copy of the original contract or agreement related to this debt.

2. A statement showing the detailed breakdown of the debt amount.

3. Any supporting documentation that proves this debt is valid and falls under my responsibility.

Until this matter is resolved, I kindly ask that you cease reporting this inaccurate information to the credit bureaus and take any necessary steps to correct your records.

Please send written confirmation of the results of your investigation and any actions taken to resolve this matter.

Thank you for your prompt attention to this dispute. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: PA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX * * * XX/XX/XXXX {$540.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Volkswagen Credit INC Customer service department XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear VW credit INC Customer Service XXXX I hope this letter finds you well. I am writing to request your assistance with removing or adjusting the late payments reported on loan account. These late payments occurred during a particularly difficult period when I lost my job, which severely impacted my financial situation and my ability to make timely payments. 

Since then, I am happy to report that I have secured a higher-paying job and have regained financial stability. However, I am currently facing challenges in advancing professionally due to the negative impact these late payments have had on my FICO score. Potential employers are now reviewing my credit history, and as a result, I am being turned down for job opportunities despite my improved financial situation. 

I understand that I was responsible for making the payments on time, and I deeply regret the inconvenience caused. However, I kindly ask for your consideration in reversing the late payment entries as a gesture of goodwill. This adjustment would provide me with a second chance at a positive credit rating and could significantly improve my ability to move forward with both my career and financial goals. 

I have always valued my relationship with VW Credit INC and have made consistent, timely payments since overcoming this hardship. I am confident that this issue will not arise again, and I am committed to maintaining a responsible account going forward. 

Thank you for taking the time to consider my request. I would greatly appreciate your assistance in removing or adjusting the late payment marks, and I am happy to provide any additional information or documentation if needed. Please feel free to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX account number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: MD

Complaint narrative:
In XX/XX/XXXX, I contacted XXXX XXXX XXXX in XXXX XXXX, MD to ask what kinds of vehicles they had available with good pricing. I was not looking to apply for financing I simply wanted information. The salesperson asked how much I was looking to put down, and I became uncomfortable because I hadnt chosen a car or agreed to a credit application. 

I was later asked to send a copy of my paystub, which I assumed was to get a general estimate. At no point was I told that my credit would be pulled. I did not apply for financing, did not select a specific vehicle, did not sign any application, and did not authorize a credit check. 

Within days, I started receiving denial letters from multiple auto lenders for loans I never requested. When I reviewed my credit reports, I saw multiple hard inquiries that I did not authorize. These include : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries appear on TransUnion, Equifax, and Experian credit reports. I did not submit applications to these lenders or authorize anyone to do so on my behalf. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ). 

I tried calling XXXX XXXX XXXX several times to speak with the salesperson involved, but I was always told he was unavailable or that someone would return my call. I also followed-up by email and received no reply. No one followed up, and no one took responsibility. 

Im requesting assistance in having these unauthorized hard inquiries removed from all three credit bureaus, as they are negatively impacting my credit and were made without my consent. 

I also called Equifax in early XXXX to request that the unauthorized inquiries from the same auto lenders be removed. The first representative told me they would be deleted by the next day and added a fraud alert to my credit file. 

However, the inquiries remained, so I called again. A second representative informed me that the previous rep was incorrect, and that I would need to file a CFPB complaint or police report to have the inquiries removed. This was frustrating and confusing, and I still have not received a resolution. 

I tried disputing with TransUnion over the phone as well but never got an answer back, not even a letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I contacted XXXX XXXX XXXX in XXXX XXXX, MD to ask what kinds of vehicles they had available with good pricing. I was not looking to apply for financing I simply wanted information. The salesperson asked how much I was looking to put down, and I became uncomfortable because I hadnt chosen a car or agreed to a credit application. 

I was later asked to send a copy of my paystub, which I assumed was to get a general estimate. At no point was I told that my credit would be pulled. I did not apply for financing, did not select a specific vehicle, did not sign any application, and did not authorize a credit check. 

Within days, I started receiving denial letters from multiple auto lenders for loans I never requested. When I reviewed my credit reports, I saw multiple hard inquiries that I did not authorize. These include : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries appear on TransUnion, Equifax, and Experian credit reports. I did not submit applications to these lenders or authorize anyone to do so on my behalf. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ). 

I tried calling XXXX XXXX XXXX several times to speak with the salesperson involved, but I was always told he was unavailable or that someone would return my call. I also followed-up by email and received no reply. No one followed up, and no one took responsibility. 

Im requesting assistance in having these unauthorized hard inquiries removed from all three credit bureaus, as they are negatively impacting my credit and were made without my consent. 

I also called Equifax in early XXXX to request that the unauthorized inquiries from the same auto lenders be removed. The first representative told me they would be deleted by the next day and added a fraud alert to my credit file. 

However, the inquiries remained, so I called again. A second representative informed me that the previous rep was incorrect, and that I would need to file a CFPB complaint or police report to have the inquiries removed. This was frustrating and confusing, and I still have not received a resolution. 

I tried disputing with TransUnion over the phone as well but never got an answer back, not even a letter in the mail.

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