vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further 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 explanation
Consumer complaint received 2025-12-08 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: NY

Complaint narrative:
Let me be clear that this complaint is legitimate and requires immediate attention. 
My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. 
These errors are exerting a serious and ongoing negative impact on my life. 
I insist that these inaccuracies be thoroughly investigated and either corrected or removed without delay. 
Resolving this issue is not only necessaryit is critical.

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 2025-12-08 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I requested proper validation for a {$440.00} debt. Midland Credit Management responded only with billing statements, which do not satisfy the verification requirements under 15 U.S.C. 1692g of the FDCPA. 

Despite failing to validate the debt, Midland continues to report this account to the credit bureaus. Continuing to report information that has not been verified may violate 15 U.S.C. 1692e ( false or misleading representations ) and FCRA 15 U.S.C. 1681s-2 ( a ) ( duty to report accurate information ).

Midland did not provide itemized details, documentation showing how the amount was calculated, or proof that they have the legal right to collect the debt. Their failure to validate while continuing to report is causing ongoing harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AZ

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : Charged Off Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} Inquiries in Dispute : No inquiries listed for dispute on TU. 

Positive Accounts : No positive accounts listed for dispute on TU. 

Late Payments in Dispute : No late payment details listed for dispute on TU.

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 2025-12-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I am filing this complaint regarding USAA FEDERAL SAVINGS BANK and its attempts to collect or enforce an alleged debt that I dispute. 

On or about XX/XX/year>, I sent the attached Debt Validation Letter and Notice to USAA FEDERAL SAVINGS BANK by certified mail. In that notice, I clearly : Stated that I dispute the alleged debt ; Invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and demanded full written validation ; Requested specific documentation, including an original signed contract, a complete accounting, proof that they are the lawful owner/assignee of the debt, and the identity of the true creditor ; and Notified them that all collection activity must cease until proper validation is provided.

Despite this written dispute and notice, USAA FEDERAL SAVINGS BANK has : Credit Reporting Issues USAA FEDERAL SAVINGS BANK is furnishing this alleged account to credit bureaus even though it is disputed and has not been validated.

I believe this violates the FDCPA and FCRA because they are furnishing information they know or should know is inaccurate, incomplete, or unverified.

Failure to Validate To date, USAA FEDERAL SAVINGS BANK has not provided the documentation requested, including : No signed contract ; No complete ledger or itemized accounting ; No proof they are the legal owner or originator of the obligation ; No identification of the true creditor.

Any responses have been generic, inadequate, or non-responsive.

I am attaching a copy of the Validation Letter and Notice, the certified mailing proof, and any responses received from USAA FEDERAL SAVINGS BANK.

Laws and rights I believe were violated FDCPA, 15 U.S.C. 1692g ( b ) continuing attempts to collect without proper validation after a written dispute.

FDCPA, 15 U.S.C. 1692e and 1692f false, misleading, or unfair practices by pursuing payment on an unvalidated, disputed debt.

FCRA, 15 U.S.C. 1681s-2 ( b ) failure to conduct a lawful investigation or correct inaccurate credit reporting after receiving my dispute.

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 2025-12-08 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: NC

Complaint narrative:
I am a consumer requesting an investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). 
Charged Off Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
This is regarding the following causes : XXXXXXXX XXXX XXXX This is now the 2nd complaint.

I have never had any contact with this company until I was served court papers.

They have yet to provide the following to verify debt : A copy of the original contract or agreement bearing my signature Proof that your agency is legally authorized to collect on this debt.

Although my original complaint was responded to they have not adhered to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AZ

Complaint narrative:
Subject : Credit Bureaus Refusing to Accept FCRA 611 Consumer Disputes for Unauthorized Inquiries I am filing a complaint because Experian, Equifax, and TransUnion are refusing to accept my FCRA 611 consumer dispute regarding multiple unauthorized hard inquiries that I did not initiate or authorize. 

I attempted to resolve this directly with each bureau, but all three refused to open a 611 dispute. All three credit bureaus either refused to open a dispute, miscategorized the dispute as identity theft, or incorrectly required a letter from the creditor before investigating. These actions violate FCRA 611 ( a ) ( 1 ), which requires CRAs to accept and investigate ANY consumer dispute. 
I am NOT alleging identity theft.

I am disputing these inquiries due to unauthorized access and lack of permissible purpose under FCRA 604.

The bureaus incorrectly demanded a creditor letter, which applies only under 623 for furnisher-initiated corrections, not 611 consumer disputes. I am exercising my right to dispute the information directly. 

UNAUTHORIZED INQUIRIES TRANSUNION XXXX XX/XX/year> XXXXXX/XX/2025XX/XX/year> UNAUTHORIZED INQUIRIES EQUIFAX XXXXXX/XX/2025XX/XX/year> UNAUTHORIZED INQUIRIES EXPERIAN XXXX / XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> These inquiries were not authorized by me. I did not apply for credit with these companies, and I did not grant permissible purpose for these lenders to access my credit file. I contacted each bureau and was denied the right to dispute these inquiries under 611.

Requested Resolution : I am requesting that the CF
PB require all three credit bureaus to : Accept my 611 consumer dispute, Investigate each of these unauthorized inquiries, Require each furnisher to produce signed, dated authorization proving permissible purpose, and Delete any inquiry that can not be verified. 


The refusal of the bureaus to accept my dispute is preventing me from exercising my rights under the FCRA and is negatively affecting my credit profile and access to financing. These unauthorized inquiries have lowered my credit score, caused credit denials, and are affecting my ability to obtain financing for essential needs. I am seeking immediate correction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AZ

Complaint narrative:
Subject : Credit Bureaus Refusing to Accept FCRA 611 Consumer Disputes for Unauthorized Inquiries I am filing a complaint because Experian, Equifax, and TransUnion are refusing to accept my FCRA 611 consumer dispute regarding multiple unauthorized hard inquiries that I did not initiate or authorize. 

I attempted to resolve this directly with each bureau, but all three refused to open a 611 dispute. All three credit bureaus either refused to open a dispute, miscategorized the dispute as identity theft, or incorrectly required a letter from the creditor before investigating. These actions violate FCRA 611 ( a ) ( 1 ), which requires CRAs to accept and investigate ANY consumer dispute. 
I am NOT alleging identity theft.

I am disputing these inquiries due to unauthorized access and lack of permissible purpose under FCRA 604.

The bureaus incorrectly demanded a creditor letter, which applies only under 623 for furnisher-initiated corrections, not 611 consumer disputes. I am exercising my right to dispute the information directly. 

UNAUTHORIZED INQUIRIES TRANSUNION XXXX XX/XX/year> XXXXXX/XX/2025XX/XX/year> UNAUTHORIZED INQUIRIES EQUIFAX XXXXXX/XX/2025XX/XX/year> UNAUTHORIZED INQUIRIES EXPERIAN XXXX / XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> These inquiries were not authorized by me. I did not apply for credit with these companies, and I did not grant permissible purpose for these lenders to access my credit file. I contacted each bureau and was denied the right to dispute these inquiries under 611.

Requested Resolution : I am requesting that the CF
PB require all three credit bureaus to : Accept my 611 consumer dispute, Investigate each of these unauthorized inquiries, Require each furnisher to produce signed, dated authorization proving permissible purpose, and Delete any inquiry that can not be verified. 


The refusal of the bureaus to accept my dispute is preventing me from exercising my rights under the FCRA and is negatively affecting my credit profile and access to financing. These unauthorized inquiries have lowered my credit score, caused credit denials, and are affecting my ability to obtain financing for essential needs. I am seeking immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
these accts have been hurting my credit profile for years, and i have wrote numerous of letters to remove negative accts that are falsely reporting and violates my rights. nothing has removed yet

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Considering my reliable payment history, the late payment on my account is unjustified. Please correct this mistake by removing it and ensuring my account is accurately updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I requested a change of due date to BMW XXXX towards the end of my loan term. I had never been late on any prior payments and in facts paid for months in advance. I paid my final payment on the loan according to what I thought was the new payment due date. They marked it initially 60 days late, then changed it to 30 days on my credit reports. I sent them disputes through the credit bureaus as well as directly through the mail. They stated they can't seem to find any request made on my behalf even though it shows I have logged into their system on multiple occasions. I initially submitted a dispute back in XX/XX/2025 which was approved through TransUnion. I subsequently followed up in XX/XX/2025 with a letter to BMW requesting to change the inaccurate information. And once again in XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
am writing to dispute an unauthorized credit inquiry that appears on my Experian credit report. I believe this inquiry was made without my consent or a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( a ) ( 2 ).

According to this section of the law, a consumer reporting agency may furnish a consumer report only with the consumers written authorization or clear permission. I did not authorize the following party/parties to access my credit file. A new debt collection has now got this without any knowledge Ive called around trying to see and get information and I have been violated especially my personal information

Company response to consumer: Closed with explanation