vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I am writing to formally file a complaint regarding Midland Credit Managements recent conduct. Your representatives have been contacting me after XXXX XXXX which is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). According to this federal law, debt collectors are prohibited from calling before XXXX XXXX or after XXXX XXXX. in the consumers local time. 

In addition, during these calls, your representatives have used threatening and harassing language, which I find completely unacceptable and deeply distressing. I demand that all further communication from your company be conducted in writing only. I am documenting every interaction from this point forward and will not hesitate to escalate this matter by filing complaints with the ConsumerFinancial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office if the harassment continues. 

Call times listed XX/XX/year> XXXXXXXX XXXX Caller was aggressive and implied legal action without explanation. 

XX/XX/year> XXXXXXXX XXXX. Caller used a hostile tone and said I had no choice but to pay now. 

XX/XX/scrub> XXXX XXXX XXXX XXXX. Caller ignored my request not to be contacted at night and continued pressuring me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: RI

Complaint narrative:
I am writing to file a formal complaint against transunion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to transunion notifying them of the reinsertion of the XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA XXXX XXXX ( B ). waiting for XXXX  days atter sending the letter, transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Transunion actions have caused signiticant and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with transunion they have neglected to take appropriate action, a lack of accountability and compliance with federal Laws.

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 2025-06-10 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against TransUnion for continuing to report three accounts that are tied to a previously disputed and deleted address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR. This address has been removed from my credit file due to being unverifiable and not legally associated with me. 

Despite this, the following accounts are still being reported under this deleted address XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  These accounts violate FCRA 607 ( b ) and 611 ( a ) ( 5 ) by continuing to report using inaccurate personal data. This is not a reinvestigation request. This is a formal notice of legal noncompliance. These accounts can not be verified through any accurate or valid personal information and must be removed 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 non-monetary relief
Consumer complaint received 2025-06-10 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:
Several companies accessed my credit report without authorization, directly harming my credit and score. Despite assurances from your representative, these inquiries remain. This ongoing inaction is unacceptable and raises serious concerns of identity theft. I am suffering continued financial and emotional harm. I demand an immediate investigation and the urgent removal of all unauthorized inquiries from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: OH

Complaint narrative:
Several companies accessed my credit report without authorization, damaging my credit and score. Despite your representatives assurance that these inquiries would be removed, they remain. This failure to act is unacceptable and suggests potential identity theft. I am enduring ongoing financial and emotional harm. I demand an immediate investigation and the swift removal of all unauthorized inquiries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: OH

Complaint narrative:
Several companies accessed my credit report without authorization, damaging my credit and score. Despite your representatives assurance that these inquiries would be removed, they remain. This failure to act is unacceptable and suggests potential identity theft. I am enduring ongoing financial and emotional harm. I demand an immediate investigation and the swift removal of all unauthorized inquiries from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: OH

Complaint narrative:
Several companies accessed my credit report without authorization, damaging my credit and score. Despite your representatives assurance that these inquiries would be removed, they remain. This failure to act is unacceptable and suggests potential identity theft. I am enduring ongoing financial and emotional harm. I demand an immediate investigation and the swift removal of all unauthorized inquiries from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: AR

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$34.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX * Balance : {$770.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reviewed my credit report and have contacted XXXX several times in regards to accounts reporting on my credit report, I have not applied for in my name or authorized Per FCRA please have XXXX to delete these unauthorized accounts -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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal close my account saying for fraudulent activities, but never provided me any thing showing I committed in any fraudulent activities and its been months still havent received any of my funds from that account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: WI

Complaint narrative:
I checked my account to see that there was {$1000.00} missing from my account. I applied for a dispute and I was denied and this has happened with this bank more then 5 times!!! 
There has been a full total amount of {$1300.00} taking from my account within the pasted year, I am never able to receive my dispute credit and Im tired of losing money because of the banks mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
Several companies accessed my credit report without my authorization, negatively impacting my credit and score. Despite your representatives assurance that these unauthorized inquiries would be removed, they remain. Their continued presence is unacceptable, raises serious concerns of identity theft, and is causing ongoing financial and emotional distress. I demand immediate investigation and the prompt removal of all unauthorized inquiries from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXX XXXX {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
I filed my dispute regarding these charges on XX/XX/year>. On XX/XX/year>, Goldman Sachs closed my Apple Card account, citing failure to comply with the terms of the Customer Agreement. I believe this action XXXX have been taken in response to my dispute, which, if true, would constitute retaliation and a violation of my rights under the XXXX XXXX Billing Act ( XXXX XXXX. XXXX ). 

Total charges {$2700.00} Also my XXXX XXXX got hurt from this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-09 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: CA

Complaint narrative:
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 I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity

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 2025-06-09 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:
This is a second formal complaint against Experian for failure to comply with FCRA 605B and 607 ( b ) after receiving full identity theft documentation.

I submitted two FTC Identity Theft Reports ( # XXXX ), my government-issued ID, Social Security Number, and proof of address on XX/XX/XXXX. 

Some fraudulent information was removed, but the following still remains on my credit report and must be deleted : Fraudulent account : XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX Associated inquiry XX/XX/XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not open this account or authorize these inquiries. These are the result of identity theft. 

Under FCRA 605B, Experian is required to block identity theft information within 4 business days after receiving full documentation. Their failure to do so violates this law.

Continued furnishing of this inaccurate and unverified data is also a violation of FCRA 607 ( b ).

Im requesting that CFPB require Experian to : Remove the above account and inquiries Confirm full compliance with 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 explanation
Consumer complaint received 2025-06-09 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: GA

Complaint narrative:
I am the victim of inaccurate and unauthorized reporting on my Experian credit file. I have submitted a formal FTC Identity Theft Report and supporting documentation, including a copy of my ID and proof of address. Despite initiating proper disputes through Experian and requesting removals under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX ( a ) ( XXXX ), Experian has failed to remove the following accounts : XXXX. XXXX XXXX XXXX Account XXXX XXXXXXXX A collection account I did not authorize or open. This account is inaccurate and not mine. 
XXXX. XXXX Account XXXX XXXXXXXX This account was opened in XXXX and closed in XXXX. It is outside of the XXXX reporting period allowed by FCRA XXXX XXXX a ) ( XXXX ) and is inaccurately affecting my score. 
XXXXXXXX XXXX XXXX XXXX  XXXX Accounts XXXX XXXXXXXX and XXXX XXXXXXXX These are duplicate entries for the same debt. XXXX is marked as XXXX yet a second is being reported as XXXX XXXX XXXX XXXX  This is a misrepresentation and violates XXXX ( a ) ( XXXX ) and XXXX. 
XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX I did not open or authorize this collection account. It is inaccurate and included in my FTC identity theft complaint. 
XXXX. XXXX XXXX Account XXXX XXXXXXXX This eviction-related collection account was reported during the XXXX hardship period. Reporting this without full context is misleading and unfair under FCRA XXXX. 
XXXX. XXXX XXXX XXXX Account XXXX XXXXXXXX This is a debt buyer account I do not recognize. It is listed inaccurately on my file and should be removed. 

I followed proper dispute procedures and provided supporting documentation to Experian. However, they failed to conduct a reasonable investigation or comply with their obligation under FCRA XXXX ( a ) ( XXXX ) and XXXX to block and delete inaccurate or fraudulent accounts within XXXX business days.

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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Account # XXXX I am unaware of this debt and did not authorize this. I've never had a contract with this debt collector for any debt. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. I have never missed a payment\n\tXXXX, XXXXXXXX XXXX XXXX\nLast Activity\XXXX XXXX XXXX\t\nTerms\n\n\nRevolving\nScheduled Payment\n\n$3\t$0\nHigh Balance\nXXXXLoan Type\nCharge Account\tCharge Account\tCharge Account\nResponsibility\nIndividual\tIndividual Account\tIndividual\nCompany Name\nXXXX XXXX XXXX XXXXAccount Number\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 2025-06-10 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: TX

Complaint narrative:
b'violation of 15 USC 1692g. Validate this account. You have 30 days to verify if you fail to this must be deleted. I have never missed a payment\n\tXXXX, XXXXXXXX XXXX XXXX\nLast Activity\XXXX XXXX XXXX\t\nTerms\n\n\nRevolving\nScheduled Payment\n\n$3\t$0\nHigh Balance\nXXXXLoan Type\nCharge Account\tCharge Account\tCharge Account\nResponsibility\nIndividual\tIndividual Account\tIndividual\nCompany Name\nXXXX XXXX XXXX XXXXAccount Number\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 2025-06-10 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:
This correspondence serves as an official request to remove fraudulent accounts from my credit report. I did not open or authorize these accounts. I am invoking my rights under 15 U.S.C. 1681g and demand their removal within 15 days. All pertinent documents supporting this claim are included.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX refuses to correct inaccurate late for XX/XX/year> although there is proof we were in forbearance. Please correct the account.

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