vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
Complaint to CFPB Fraudulent Hard Inquiry Consumer Name : XXXX XXXX DOB : XX/XX/year> Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX SSN ( last 4 ) : XXXX Issue Type : Credit reporting Improper use of my credit report / report inquiries I didnt authorize Complaint Description : I am filing this complaint regarding a fraudulent hard inquiry made on my credit report by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) without my authorization. I did not apply for credit with this company, nor did I give permission for them to access my credit report. 

This unauthorized inquiry violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which requires consumer consent for hard pulls. I am requesting that this inquiry be immediately removed from all credit bureaus as it is damaging my credit without any valid basis. 

I have already contacted the credit bureaus directly and am now escalating this to the Consumer Financial Protection Bureau because my rights have been violated, and my personal credit information has been accessed without permissible purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
b'XXXX XXXX XXXX \nXXXX XXXX \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 1 year 8 months 11 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 10 months 13 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 1 year 9 months 8 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 1 year 8 months 12 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 2 years 16 days Late payments XXXX XXXX XXXX XXXX : XXXX Dispute not available XXXX  Help mark icon Whats this? 
View Account Details Account status Closed Age of Account 1 year 9 months 8 days Late payments 0 THESE ACCOUNTS WERE OPEN UNDER false Information USING MY SOCIAL security number, NAME, DOB, ETC TO commit IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I reviewed my credit report and noticed multiple inaccuracies that are negatively affecting my credit profile. Several hard inquiries were made without my knowledge or authorization, including from companies like XXXX XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, and others on XX/XX/XXXX, such as XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. I never applied for credit with these companies on or around those dates, and I did not consent to these inquiries. Additionally, there is an inquiry from XXXX dated XX/XX/XXXX, that is incorrectly showing as a negative item on my report, which is a misrepresentation and misleading. Beyond that, my credit file contains several incorrect variations of my name and inconsistent addresses, which I did not authorize or use. These errors create confusion and raise concerns about the accuracy of my file. Despite prior dispute attempts, these issues remain unresolved and continue to damage my credit reputation. I am now requesting that all unverifiable or inaccurate information be corrected or permanently removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
Subject : Incorrect Balance Reporting by XXXX Credit Card Violation of FCRA Accuracy Standards Details of the Issue : On XX/XX/year>, I paid the full balance of {$220.00} on my XXXX credit card via debit card, prior to the published statement closing date of XX/XX/year>. This payment was made in full and settled immediately, as debit card transactions clear instantly. 

Despite this, XXXX generated a statement early morning on XX/XX/XXXX before the close of the billing cycle and reported the {$220.00} balance to XXXX XXXX XXXX XXXX as if it remained unpaid. This caused a drop in my FICO scores, despite the payment being made on time and in full. 

When I contacted XXXX to resolve the issue, I was told the payment posted after XXXX XXXX, and therefore wasnt included in the statement even though : No such XXXX XXXX  cutoff was disclosed to me in advance, The payment cleared instantly via debit card, And Aspires published closing date was XX/XX/XXXX, not XX/XX/XXXX. 

This effectively means XXXX generated a statement before the cycle ended, which violates standard credit industry practice and results in materially inaccurate reporting a direct violation of the Fair Credit Reporting Act ( FCRA ), Section 623. 

What I Am Requesting : I am requesting the CFPB review and instruct XXXX to : 1. Immediately correct the reporting to reflect a {$0.00} balance for the XXXX cycle ; 2. Remove any negative score impact caused by this improper reporting across XXXX XXXX XXXX XXXX ; 3. Provide proof of their claimed XXXX XXXX  cutoff policy and explain how that justifies issuing a statement before the billing cycles stated close. 

Supporting Evidence : Proof of payment on XX/XX/XXXX by debit card. 
Screenshot of XXXX  statement showing the closing date of XX/XX/XXXX. 
Statement showing {$220.00} balance incorrectly reported. 
Notification of FICO score drop following the inaccurate report. 

This unfair and deceptive practice has directly harmed my credit profile. I respectfully request an expedited review and correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
On XX/XX/XXXX a hard inquiry showed up on my XXXX  report that I did not recognize. I looked up the company and Ive never done any business with them nor did I apply for a loan or credit. This is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I received a debt collection notice from Midland Credit Management regarding an account they claim originated with XXXX XXXX XXXX. 

I disputed the debt through both Midlands online XXXX XXXX XXXX and the credit bureaus. I included proof that my XXXX  XXXX account is recent and current. 

Midland failed to validate the debt, but continues to report or verify the account to credit bureaus and/or attempt collection.

This is a violation of both the FDCPA ( 15 U.S.C. 1692g ( b ) ) and the FCRA ( 15 U.S.C. 1681s-2 ( b ) ). I have not received proof of the original debt, last payment date, or chain of assignment.

I am requesting that this debt be removed from my credit report and all collection activity stop. I am preparing legal action if no resolution is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am submitting a complaint against Lockhart , Morris & Montgomery ( LMM ), who are reporting a {$670.00} collection account on my credit report. I have no knowledge of this debt, and LMM has falsely listed themselves as the original creditor, which is a violation of federal law.

Under FDCPA 807 ( 2 ) ( A ) [ 15 USC 1692e ( 2 ) ( A ) ], it is illegal for a debt collector to misrepresent the character or legal status of a debt. Lockhart , Morris & Montgomery is a third-party collection agencynot the original creditorand their reporting is false and misleading. This violates both the FDCPA and FCRA 1681s-2 ( a ), which prohibits the reporting of inaccurate or misleading information to consumer reporting agencies. 

The account shows as opened on XX/XX/year>, last updated XX/XX/year>, with the remark Placed for collection, yet I have never received any notice, communication, or debt validation as required under FDCPA 809 ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
Lvnv {$1100.00} trying to make me pay this debt when it doesnt even have my name on it, they have a XXXX XXXX which is not me not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has failed to accurately report several of my active accounts despite verifying my identity and correcting my XXXX file. Only two accounts ( XXXX XXXX XXXX and XXXX  XXXX ) are showing, even though XXXX XXXX XXXX XXXX accounts are being reported. I contacted Equifax Tier 3 twice ; one agent said accounts would be added but only removed an identity alert, and another confirmed Equifax does not manually add accounts. I request CFPB assistance to ensure Equifax merges my XXXX accounts into my correct file and confirms completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing this letter on my own behalf. I am writing to formally dispute inaccurate information being reported by your company on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), which grants consumers the right to dispute and request the removal of inaccurate or unverifiable information. This account is inaccurate : XXXX XXXX XXXX. I am requesting a full investigation to include a free copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
I saw this on my credit report. I have never taken out a person loan or pay day loan. I have no idea what this is or knowledge of the account

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
Dear Equifax, Due to the recent lawsuit filed against Equifax on XX/XX/year>. I insist you conduct an investigation as you are required by the FCRA Law.

I will explicitly say do not accept the findings of the furnishers who do not provide thorough results of their investigation. Which I ask that you provide to me in exact detail via mail and not through your online portal.

Please Delete the disputed information within the required timeline of 30 days as set forth per the FCRA which is federal law. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: OH

Complaint narrative:
XXXX XXXX XXXX is reporting conflicting and inaccurate information on my credit report the account shows paid in full, charge-off, and settled for less ( all at the same time ) that's misleading and impossible. this violates FCRA 1681s ( b ) ( 1 ) ( C ), 1681I, 1681c ( a ) ( 4 ), and 1681s-2 ( a ) ( 2 ) i have disputed this multiple times only to keep getting verified with no corrections, as a consumer i have the right to be treated fairly according to the FCRA now i am not asking for any updates or verification I'm DEMANDING IMMEDIATE DELETION, This inaccurate data is damaging my credit and they've had ( multiple ) chances to fix this, which they had ( FAILED ) to do, i am asking for the CFPB to delete or demand deletion immediately!! this is absolutely unfair how I'm being treated, and the credit bureaus inabilty to accurately 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 2025-08-02 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: PR

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> Attached is my formal dispute, along with the fraud report I recently submitted to TransUnion for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The following previous addresses are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Name - XXXX XXXX XXXX XXXX The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX # XXXX, XXXX, IL, XXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
5 weeks ago, my Online XXXX  XXXX Crypto Account give me a passkey error and will not allow me to access my account. I do have the correct user name and password but the we page give me an error unable to verify. I have opened many support tickets with no resolution. I have called XXXX  XXXX phone numbers with no reply. At this point, I have opened over a dozen help desk support tickets and all we get is a automated helpdesk response that they are having a high number of support tickets and no one ever replies. Four weeks ago we did get a email that said I needed to take a selfie with my drivers license and with me holding a hand written note with the days date. I have never heard back from XXXX  Support. Looking on XXXX, other are having the same issue, a mysterious passkey has been added to ones account preventing access. XXXX  Support has been unresponsive. This would be a quick fix by XXXX  Support. I don't think it is by chance that my Crypto holding have sky rocketed and now we do not have access to get out of the trade.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PR

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX / XX/XX/XXXX Attached is my formal dispute, along with the fraud report I recently submitted to Transunion for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Formal Dispute of Fraudulent Accounts Under the Fair Credit Reporting Act ( FCRA ) Dear Disputes Department, I am writing to dispute multiple fraudulent and unauthorized accounts that are being inaccurately reported on my credit files across Equifax, Experian, and TransUnion. I have never opened, authorized, or had any legitimate association with the accounts listed below. These entries appear to be the result of identity theft or misreporting and are causing serious harm to my credit profile. 

Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I formally request that you initiate a reinvestigation into these accounts. If the creditors can not provide full documentation verifying my identity and responsibility for the debts, you are required to delete these accounts immediately. 

The disputed accounts are : XXXX XXXX Associates Account XXXX. : XXXX I have no connection to this account. It is not mine and was never authorized. 
XXXX XXXX XXXX Account XXXX. : XXXX This account is fraudulent and was opened without my knowledge or consent. 
XXXX XXXX  XXXX Account XXXX. : XXXX Unauthorized and inaccurate. I never initiated this account. 
XXXX XXXX Account XXXX. : XXXX XXXX Both accounts are unauthorized and must be removed. 
XXXX I have no XXXX with this creditor and never applied for or opened this account. 
XXXX XXXX XXXX This account was fraudulently added to my report. I have no knowledge of or agreement with this creditor. 

These accounts are inaccurate, unauthorized, and damaging to my credit. I request written confirmation of the results of your reinvestigation within 30 days, as required under the FCRA. If any of the disputed information is verified, please provide a complete copy of the original documentation, such as signed contracts or applications. 

Failure to remove unverifiable or fraudulent data may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and State Attorney Generals Office. 

Thank you for your prompt attention and compliance with federal law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: UT

Complaint narrative:
I am writing to dispute inaccurate information reported on my credit report. The account listed under XXXX XXXX with account number ending in XXXX is reporting incorrect payment history. I have never been late on this account, and I am requesting an investigation into this matter. Please correct or remove the inaccurate information in accordance 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 explanation