vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: IN

Complaint narrative:
On XX/XX/year>, a representative from a debt collection company Midland Credit Management called XXXX and spoke with my husband regarding my accounts ( XXXX XXXX ) ( # XXXX and # XXXX ). The representative disclosed all the account information, including the balances, without my consent and informed my husband that legal action would be taken. This action violated the Fair Debt Collection Practices Act ( FDCPA ) because my husband, XXXX XXXX, is not listed on those accounts and has never used the credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Please delete the following accounts : XXXX - XXXXXXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall 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. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 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 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity bank has called me everyday for several months, 3 or more times a day and have even resorted to calling my family members and exposing my finances/debt with them which is harassment!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Thank you for addressing this matter promptly. I kindly request a written response detailing the results of your investigation within 30 days, as required by the FCRA. If any item remains unchanged, please provide the name and contact information of the entity that verified its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: SC

Complaint narrative:
Experian / Equifax / TransUnion Re : Formal Dispute of Inaccurate/Incomplete Account Reporting Account No. : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX To Whom It May Concern, I am formally disputing the above-referenced account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After carefully reviewing my credit report, I have identified multiple violations and inaccuracies regarding this account that must be investigated and corrected or deleted immediately.

Specific Issues in Violation of FCRA : 1. Date of Reporting Conflict The account shows as opened XX/XX/XXXX yet was reported on XX/XX/XXXX, a future date. This is factually impossible, materially misleading, and violates FCRA 607 ( b ), which requires maximum possible accuracy.

2. Incomplete Payment History The tradeline does not show any last payment date, delinquency dates, or proper account history. This omission violates FCRA 609 ( a ) ( 1 ) and 611, which require complete and verifiable reporting.

3. Collection Status Misrepresentation The account is simultaneously marked as Charge-Off and Collection, which are distinct statuses. Reporting both is misleading, causing double derogatory impact and violating FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers may not report information they knowor should knowis inaccurate ).

4. Balance Inconsistency The original balance and current balance are identical ( {$510.00} ). Without clear accounting of payments, fees, or adjustments, this reporting is incomplete and unverifiable.

Legal Demands : Under FCRA 611, you are required to conduct a reasonable investigation and verify each piece of information with the original creditor. Unless XXXX XXXX provides documented evidence bearing my signature proving this debt, you must remove it immediately.

Additionally, if this debt has been sold, assigned, or transferred, the current debt owner must be clearly identified as required by FCRA 609 ( a ) ( 1 ) & FDCPA 809 ( b ).

If you can not provide full validation and documented proof, you are required to DELETE this account from my credit file.

Notice of Escalation : Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I also reserve the right to seek civil remedies for willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617.

I expect written confirmation of the results of your investigation within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I had a Credit card a few years back under Pentagon Federal Credit union that was charged off.

I then received notification through the court that another company called XXXX XXXX XXXX is suing me for the balance owed to Pentagon Federal. I never received any written or verbal communication from XXXX XXXX informing me that they purchased the debt. Neither was I informed of the statute of limitation from them regarding the debt. They also did not show up in my credit report in any of the three major credit bureaus as the new owner of the debt in question. The notification I received from the court informing me of the law suit filed against is the first and only time I have heard of this collection agency. In addition the proof of purchase they submitted to the court is dated prior to the account I am being sued for becoming active. Since filing the law suit against me, I received communication from their attorneys office XXXX XXXX XXXX offering to settle the account for {$100.00} per month with a purposed date. What should have been done first is now being done last. By filing this law suit first, and then offering to settle it out of court is a clear attempt to scare me into settling the account out of court on their terms, even though they have yet to provide true ownership of the debt.

I am filing this complaint on the grounds of merit and unethical collection tactics. There was no transparency. How can you sue someone without first informing them that you now own the account. And my rights as a consumer was violated when XXXX XXXX XXXX neglected to provide information to me proving they are the true owner of the debt in question. I need to know what steps can I take to avoid being taken advantage of by this predator under the name of XXXX XXXX XXXX. Please help.

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 2025-09-03 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Public Record - Federal - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court US BANKRUPTCY COURT that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX  lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-03 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:
b'Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items\n\nI would like to emphasize the following legal obligations under the FCRA:\n\nUnder 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including "In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury." This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.\n\nUnder 15 U.S.C. 1681i(a)(1)(A), credit bureaus must conduct a "reasonable reinvestigation" upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I\'ve identified.\n\n15 U.S. Code  1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.\n\n15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.\n\ninformation in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.\n\n15 U.S. Code  1681 Section B ( i ) -  Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone\'s credit file based on the requirements in the preceding section (A), the agency cannot re-add or reinsert that previously deleted information back into the person\'s file unless the entity that originally provided that information certifies that it is complete and accurate.'

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 2025-09-03 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: FL

Complaint narrative:
b'Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.\n\n\nI would like to emphasize the following legal obligations under the FCRA:\n\n\nUnder 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including "In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury." This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.\n\n\nUnder 15 U.S.C. 1681i(a)(1)(A), credit bureaus must conduct a "reasonable reinvestigation" upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I\'ve identified.\n\n\n15 U.S. Code  1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.\n\n\n15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.\ninformation in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.\n\n15 U.S. Code  1681 Section B ( i ) -  Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone\'s credit file based on the requirements in the preceding section (A), the agency cannot re-add or reinsert that previously deleted information back into the person\'s file unless the entity that originally provided that information certifies that it is complete and accurate.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: SC

Complaint narrative:
Experian / Equifax / TransUnion Re : Formal Dispute of Inaccurate/Incomplete Account Reporting Account No. : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX To Whom It May Concern, I am formally disputing the above-referenced account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After carefully reviewing my credit report, I have identified multiple violations and inaccuracies regarding this account that must be investigated and corrected or deleted immediately.

Specific Issues in Violation of FCRA : 1. Date of Reporting Conflict The account shows as opened XX/XX/XXXX yet was reported on XX/XX/XXXX, a future date. This is factually impossible, materially misleading, and violates FCRA 607 ( b ), which requires maximum possible accuracy.

2. Incomplete Payment History The tradeline does not show any last payment date, delinquency dates, or proper account history. This omission violates FCRA 609 ( a ) ( 1 ) and 611, which require complete and verifiable reporting.

3. Collection Status Misrepresentation The account is simultaneously marked as Charge-Off and Collection, which are distinct statuses. Reporting both is misleading, causing double derogatory impact and violating FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers may not report information they knowor should knowis inaccurate ).

4. Balance Inconsistency The original balance and current balance are identical ( {$510.00} ). Without clear accounting of payments, fees, or adjustments, this reporting is incomplete and unverifiable.

Legal Demands : Under FCRA 611, you are required to conduct a reasonable investigation and verify each piece of information with the original creditor. Unless XXXX XXXX provides documented evidence bearing my signature proving this debt, you must remove it immediately.

Additionally, if this debt has been sold, assigned, or transferred, the current debt owner must be clearly identified as required by FCRA 609 ( a ) ( 1 ) & FDCPA 809 ( b ).

If you can not provide full validation and documented proof, you are required to DELETE this account from my credit file.

Notice of Escalation : Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I also reserve the right to seek civil remedies for willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617.

I expect written confirmation of the results of your investigation within 30 days, as required by law.

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