vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy 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 suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be 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 results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose 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 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 2025-08-04 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy 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 suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be 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 results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose 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 2025-08-04 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:
TransUnion is continuing to report a derogatory tradeline from XXXX XXXX XXXX XXXX ( account # XXXX ) as a repossession, despite being provided with written evidence that XXXX XXXX no longer owns or services the account. 

On XX/XX/XXXX, I received a direct response from XXXX XXXX, XXXX  XXXX at XXXX XXXX XXXX, confirming that the account was repurchased by the original dealership in XX/XX/XXXX. This proves that XXXX XXXX is not the current owner or servicer and has no legal right under the Fair Credit Reporting Act ( FCRA ) to furnish or update this tradeline. 

I submitted a dispute to TransUnion and included this documentation. However, TransUnion responded by stating the account was verified as accurate. This is a failure to properly reinvestigate and an FCRA violation, as the tradeline is being reported by a company with no legal authority to do so. 

TransUnion is in violation of : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Failing to conduct a reasonable reinvestigation after receiving valid documentation 15 U.S. Code 1681s-2 ( b ) Continuing to report inaccurate information after being notified by the consumer and the furnisher 15 U.S. Code 1681e ( b ) Not using reasonable procedures to ensure maximum possible accuracy Section 607 ( b ) Reporting misleading or incomplete information TransUnion 's failure to act on valid, documented proof is harming my credit and making it difficult for me to obtain reliable transportation. This is unacceptable.

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 2025-08-04 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 respectfully request a review and correction of a reported late payment on my credit report. I believe this entry may have been caused by an administrative oversight or processing delay.

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 2025-08-04 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:
We received these inquiries out of the blue and they might not be permitted. Inspect the attached materials immediately.

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 2025-08-04 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: OH

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXXXX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. Ive been unable to get approved for credit cards, secure an apartment, or finance a car this is causing a lot of hardship for me to move forward with my life. 

These inquiries were made without my knowledge or consent, and I did not initiate any credit applications with the companies listed below. 

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 2025-08-04 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:
This CFPB complaint has been filed to request pursuant to FCRA and 605B ( 15 U.S.C 1681c-2 ) 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. 
All accounts above, collections, late payments, and charge-offs result from 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am writing to formally address the ongoing harassment and unwanted stress caused by the repeated contact I have been receiving from Midland Credit Management , Inc., specifically from the following address : XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX. 
Despite my clear instructions for all communication to be conducted solely by mail, I have repeatedly received emails from your office. This continuous, unsolicited electronic communication is not only a violation of my explicit request, but it has also caused significant distress and anxiety, which I should not be subjected to. 
Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am entitled to request that all communication be conducted through a single medium, in this case, by mail. The ongoing emails, despite my clear request, violate this provision, further compounding the undue stress I am facing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
b"I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX. Several months after purchase, I received a manufacturer's warning from XXXX regarding a known engine defect. The engine has been giving me issues for the last 1 1/2-2 years. The car has received oil changes and has been checked out by a trusted mechanic. This mechanic told me that I should hope that the car is hit from the rear due to the engine burning from the inside, and hope that my insurance would cover the cost of a newer and better vehicle. Due to the car being out of warranty, I could not afford the repairs, which were more than the vehicles value.\n\nI contacted Chase Auto Finance multiple times by phone and in person to ask for hardship assistance or deferment, and received no support. Chase has records of calls and attempts that I have made/requested to make in order to receive support with the loan balance. I have expressed financial hardship a multitude of times, even asked if I could show proof of this. The vehicle was eventually repossessed (As of XXXX XXXX XXXX)\n\nI am now being pursued for a deficiency balance on a defective vehicle I can not use, which I tried to resolve in good faith. I was XXXX XXXX XXXX and I had never purchased a car on my own before. I am requesting full forgiveness or a reasonable settlement of the debt and deletion of the account from my credit report due to the combination of lack of transparency from Enterprise, mechanical failure, lack of warranty, and Chases refusal to assist."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: VA

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 2025-08-04 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: IN

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( XXXX ). Block permanently and Remove immediately.

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 2025-08-04 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-04 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
please see attached documents that violates the fdcpa act and screenshot showing data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
Its surprising to find a late payment report in light of my solid payment track record. Please revisit this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
To Whom It May Concern, This letter is your formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 16921692p and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 16811681x. 

I am disputing the validity of an alleged debt your agency claims I owe in connection with a XXXX XXXX XXXX accountan account I have never applied for, opened, authorized, or benefited from in any capacity. I have no contractual relationship with your agency or with the original creditor regarding this alleged debt. 

You are hereby notified of the following : XXXX. Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease all collection efforts until you provide me with complete and proper validation of this alleged debt. That includes : A copy of the original signed contract or application with my signature. 
The full chain of assignment showing legal transfer from the original creditor to your agency. 
A detailed accounting of the alleged debt, including itemized charges and dates. 
Proof of your license to collect debts in the state of South Carolina. 
XXXX. If you are reporting this account to any credit reporting agency, that constitutes a violation of the FCRA, 15 U.S.C. 1681s-2 ( b ), which requires you to investigate disputed information and remove unverifiable or inaccurate data.

3. You are further advised that any continued attempts to collect on this unverified, fraudulent account, including threats, reporting, or contact by phone or mail, may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the South Carolina Department of Consumer Affairs, and legal counsel if necessary. 
XXXX. This letter also serves as notice under 15 U.S.C. 1692c ( c ) that I am requesting you cease and desist all further contact with me regarding this matter, except to provide the verification of debt as required by law. 

Let me be clear : I do not owe this debt. I did not authorize this account. I never entered into any agreement with XXXX XXXX or XXXX credit services, nor with your agency. 

If you can not provide full legal validation within 30 days, I demand that you delete this account from all credit reports and immediately cease all further collection activity. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest confirmed in writing that no structured hardship assistance is available, and that their only offered solution is a payment plan that exceeds my normal monthly payment. 

They acknowledged my hardship, but refused to offer anything that could actually help me resolve the account. Despite my repeated requests for flexibility and willingness to make good faith payments, they stated that credit damage and fees will continue even if XXXX trying to pay unless I meet unaffordable terms. 

I was also told that a written agreement will not be provided and that they must follow policy over providing practical resolution. I am asking for oversight and intervention through the CFPB process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: OH

Complaint narrative:
Under FCRA section 609 & 611 and FDCPA I have the right to request full validation of debt they are reporting negatively to my credit report causing harm which is illegal I have no signed contract with these debt collectors and this debt is unverifiable

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