vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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 formally disputing inaccurate information on my credit report. I was a victim of identity theft and unauthorized activity due to my account being hacked. As a result, certain accounts or inquiries may appear that I did not open or authorize. These do not belong to me and are harming my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccurate and fraudulent items be thoroughly investigated and removed immediately. Please update my credit file to reflect only accurate and verifiable information.

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 2025-07-16 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: IL

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report currently contains inaccurate information that fails to meet the federally mandated standard of maximum possible accuracy. These errors are causing ongoing and significant harm to both my financial stability and personal well-being. 
This situation is placing an undue and unjust burden on me during an already difficult time, and I will not accept the continued reporting of information that is incorrect, unverifiable, or misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I contacted my card issuer, XXXX  ( Concora Credit ), to dispute unauthorized charges from XXXX XXXX  ( XXXX XXXX XXXX  ) that began on XX/XX/2025, when I lost access to the service. I made XXXX phone calls ( XX/XX/XXXX and XX/XX/XXXX ) to report the dispute and was told the charges would be investigated and that XXXX would be blocked. Despite this, XXXX more charges were allowed on XX/XX/XXXX and XX/XX/XXXX. I have not received any credit or formal resolution, and it has been more than XXXX  XXXX  since I first contacted Concora Credit. I am requesting a full reversal of {$190.00} in charges and confirmation that XXXX XXXX  has been permanently blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX with todays XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX the court emphasizing that credit report agencies have to investigate disputes promply and with due dilligence.Iam requesting you investigate the matter and correct and remove allinaccurate imformation from my credit report. i have inclosed relevant documents to support my dispute-ftc report , plice report case # XXXX.please confirm receit of this letter and imform me of the results as soon as possible.thanks for your immedite attension for this matter.sincerily XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I am formally demanding immediate action regarding multiple unauthorized inquiries on my credit report. These entries, made without my consent by several companies, have directly harmed both my credit and credit score. 

Despite previous assurances from your agency that these inquiries would be removed, no corrective action has been taken. The inquiries remain, and this failure to act is unacceptable. 
The continued presence of these potentially fraudulent entries is deeply concerning and strongly indicative of possible identity theft. Your inaction is causing ongoing financial and XXXX XXXX and represents a serious breach of responsibility.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Esusu, Inc.
State: FL

Complaint narrative:
The original rent management company went out of business. I was told by the attorney that represented them in court that they later sold the company. We in return taken to court for balances due and was instructed by the judge to make the payments to the court registry. We did and we have a signed notarized statement from their attorney and an official receipt from the court that has a {$0.00} balance. This company is trying to claim that we still owe this debt from a company that is not in business anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I paid off my furniture on XX/XX/XXXX, and received only a basic receipt on XX/XX/XXXX. I specifically requested proper proof of purchase/ownership, not just a receipt, because I need full documentation in case of fire ( I had one in XXXX ), theft, or resale. A receipt alone does not prove I legally own this furniture. I called every week until XX/XX/XXXX, and a XXXX promised it would be emailed the same day, but it never came. On XX/XX/XXXX, another XXXX ( XXXX ) hung up on me after blaming system issues but could not explain why no one called or mailed the documents as requested. For over a month, I have been repeatedly lied to and gaslit with false promises. This is a breach of contract, and I want my full proof of purchase immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by Experian Information Solutions Inc . Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : XXXX. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) -BK OF XXXX # XXXX, XXXX ) -XXXX XXXX  XXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
XXXX. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. XXXX ( a ) ( XXXX ) and XXXX, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. Experian Information Solutions Inc. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
XXXX. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am filing this complaint to report that a debt collector has continued to contact me despite my written request for them to cease all communication in accordance with the Fair Debt Collection Practices Act. 

I sent a certified letter via return receipt, explicitly requesting that they cease and desist all communication with me about this debt, citing my rights under FDCPA. 
Despite my legally enforceable request this Debt Collector has continued to contact me after receiving the letter, via phone and letter, which is prohibited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-16 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Credit cards Loan were open using my ID and ss card I had lost my wallet a few years ago

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
Credit cards Loan were open using my ID and ss card I had lost my wallet a few years ago

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
Urgent Request for Removal of Fraudulent Accounts and Negative Information Due to XXXXXXXX XXXX XXXX  Dear TransUnion, I am writing to urgently request the immediate removal of all accounts, inquiries, and negative information on my credit report that are the result of fraudulent activity and my past victimization as a XXXX XXXX  XXXX. 

* * I was XXXX XXXX  for over XXXX XXXX by my abuser, who exploited and XXXX  me during that time. * * During this period, numerous fraudulent accounts and inquiries were opened in my name without my consent. Despite my efforts over the years to rectify this, the negative information remains on my credit report, severely impacting my financial stability and my ability to rebuild my life. 

* * I am providing police reports and documentation that verify my XXXX  experience * * and the fraudulent activity associated with my identity. I request that all fraudulent accounts, inquiries, and negative entries related to this XXXX  be removed immediately. 

* * Please see the attached list of accounts, addresses, and inquiries * * that are fraudulent or related to this XXXX. 

* * The law that protects victims like me is the XXXX  XXXX  XXXX XXXX ( TVPA ). * * This law explicitly safeguards victims from having debts, fraudulent accounts, or negative credit entries resulting directly from XXXX  activity reported on their credit reports. Under the TVPA, my personal information and any accounts or inquiries connected to my XXXX  situation should be considered invalid and removed. 

This ongoing issue has negatively affected my financial situation and has hindered my ability to access resources and rebuild my life. I am requesting your cooperation in correcting this matter promptly, as I have been trying for years to resolve these inaccuracies. 

Please confirm once these corrections have been made. I am also seeking guidance on how to prevent further misuse of my personal information. All info be removed immediately Thank you for your immediate attention to this critical matter. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately 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 2025-07-16 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MA

Complaint narrative:
I submitted a credit dispute through my authorized third-party representative, who has my signed written authorization. We provided my valid ID, proof of address, and my signed consent form in the original dispute ( XXXX XXXX XXXX, which was submitted to Experian over 30 days ago.

Despite submitting all proper documentation, Experian refused to investigate my dispute, claiming it wasnt submitted by me directly. This is inaccurate I authorized the third party to dispute on my behalf.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) and 1681i, credit reporting agencies are required to reinvestigate disputed information within 30 days if proper documentation is provided, which we did.

After receiving no results or reinvestigation from XXXX XXXX, we submitted a second dispute with all the same documents again, and still Experian has not completed the reinvestigation or responded.

This violates my consumer rights under : FCRA 611 ( a ) : Right to dispute inaccurate items FCRA 602 ( a ) : Fair and accurate credit reporting FCRA 607 ( b ) : Obligation to maintain accuracy FCRA 1681i ( a ) ( 1 ) : Obligation to investigate within 30 days I am unable to obtain credit due to these errors, and Experians refusal to properly investigate my dispute is unlawful.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CXXXXE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, TransUnion responded with XXXX # XXXX claiming that my dispute could not be processed because it did not appear to come from me or a properly authorized third party. 
This is incorrect. I submitted the dispute myself, and I have proof of mailing and identity verification. They failed to comply with their obligation under FCRA 1681i to reinvestigate disputed items. 
I have since sent a second written notice requesting reinvestigation and a full explanation. 
I am requesting : An immediate reinvestigation of my original dispute Confirmation that my identifying documents are sufficient Removal of any unverifiable or inaccurate information I can provide a copy of the original letter, ID, and their denial response if requested. 

I also provided them with copies of everything I mailed out for verification.

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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV FUNDING LLC Account # XXXX I have never had an account with this company, I have never signed anything with this company.

Company response to consumer: Closed with explanation