vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: OR

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion is inaccurately reporting a bankruptcy on my credit report that does not belong to me. I have never filed for bankruptcy, and this erroneous information is damaging my credit and reputation. I have already disputed this directly with TransUnion, but the error remains unresolved.

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 2025-06-04 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, your credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These fraudulent, inaccurate, and false information consists of a personal credit card accounts and other fraudulent collection accounts since 2021. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the identity theft report filed that details the fraudulent accounts on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management is a XXXX party debt collector whom was granted a judgement by XXXX XXXX court against me for a debt that was full of identity theft and fraud. It was after this that it was found out through investigative means that this same entity used the court date, and associated account numbers to open treasury Direct accounts to the sum of XXXX dollars without my express written consent. Upon finding this out Midland Credit Management XXXX XXXX  was informed by mail of there fraudulent actions, and a request was sent to them to audit the accounts, explain why they opened these accounts, close the accounts, and to properly send the proceeds back to me, of which belong me since my personal information was used to open these accounts. Instead of sending me information with regard to these accounts opened by them and not me, they ignored this serious situation by sending me irrelevant information, and there after placing a garnishment against me instead of rectifying the situation, being that this is a serious situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : ACCOUNTS : XXXX XXXX XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} INQUIRIES : XXXX  Date : XX/XX/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 2025-06-04 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: LA

Complaint narrative:
I am disputing negative accounts being inaccurately reported on my credit file. Under FCRA 602 ( a ) ( 4 ), consumer reporting agencies are required to act with fairness, impartiality, and respect for consumer privacy. Yet, your failure to provide any verifiable method of investigation demonstrates noncompliance with this mandate.

Experian has already completed their investigation and removed these exact accounts from my credit file, confirming their inaccuracy and unverifiable status. The fact that TransUnion continues to report these accounts despite being notified of their disputed nature is negligent and harmful.

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 2025-06-04 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:
This is an official notice that I am disputing unauthorized accounts listed on my credit report. I had no involvement in opening these accounts. I request their prompt removal in accordance with 15 U.S.C. 1681g. Attached are documents substantiating 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 2025-06-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
We received a debt collection text message from FirstPoint Collection Resources XXXX XXXX dated XX/XX/year>, referencing an alleged debt owed to Virginia XXXX XXXX in the amount of {$100.00}. 

In good faith, We responded via email promptly on XX/XX/year>, with a lawful dispute and debt validation request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. Our Office requested the following : A copy of the original signed contract with wet ink signature, A certified bill of sale or assignment of rights proving authority to collect, A complete itemized payment ledger, and Proof of licensure and standing to collect in my jurisdiction. 

Instead of providing any of these documents, FirstPoint responded on XX/XX/year>, merely reasserting the claim without validation, stating that they " verified with their client '' and sent a summary of charges. 

Their response failed to meet the required standard under the FDCPA. No documentation was provided to validate the debt. 

We are requesting the CFPB to investigate this debt collection agencys failure to comply with 15 USC 1692g ( b ) by continuing to collect without proper validation and ignoring a timely dispute.

15 U.S.C. 1692e False or Misleading Representations Prohibits the use of false, deceptive, or misleading representations during collection.

15 U.S.C. 1692f Unfair Practices Prohibits any unfair or unconscionable means to collect a debt. 

We are requesting that all collection activity be ceased until full validation is provided and this matter is resolved according to law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

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

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

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 2025-06-04 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: CA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: AP

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX by phone regarding early lease termination and a prorated refund of the Capitalized Cost Reduction ( CCR ). After being transferred between multiple departments, a supervisor eventually directed me to email XXXX. They informed me that Hyundai Motor Finance does not handle XXXX  refunds and that I should contact the dealership. 

That same day, I reached out to the dealership where I leased the vehicle, but received no response. I followed up on XX/XX/XXXX, XXXX, and XXXX, again with no reply. On XX/XX/XXXX, I was told the dealership does not process CCR refunds and that I should contact XXXX XXXX XXXX 

I emailed XXXX again on XX/XX/XXXX and received no response. On XX/XX/XXXX, I received an email confirming that I could terminate the lease, but it made no mention of the CCR refund. I followed up on XX/XX/XXXX, and XXXX, providing all relevant information and the legal basis for the refund, but again received no response. 

The VIN number of the vehicle in question is XXXX and has been returned to XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. The vehicle was originally leased out of XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX. 

In addition to emails, I made several phone calls but was repeatedly transferred between departments, none of which could resolve the issue. Each time, I was told to email XXXX. 

Today, XX/XX/XXXX, I returned the vehicle and terminated the lease. The local dealership confirmed they can not assist and advised me to contact XXXX XXXX XXXX  directly, which I am still unable to reach. I am therefore submitting this formal claim. 

I have given the company ample time to respond, and due to my XXXX  obligations, I am required to fly out to XXXX, XXXX, tomorrow, XX/XX/XXXX. I hope this situation may be resolved, and am happy to answer any questions pertaining to this. 

The amount paid in question was made on XX/XX/XXXXXXXX  and was a payment of {$3300.00} through an XXXX card ending in 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 2025-06-04 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: GA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: MS

Complaint narrative:
I would like these accounts removed from my report as they are Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: MS

Complaint narrative:
I would like these accounts removed from my report as they are 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 2025-06-04 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: IL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is reporting a collection account ( original creditor : XXXX XXXX  XXXX XXXX ) to Experian without providing legal validation, and Experian verified the account without obtaining required documentation. 

On XX/XX/year>, I submitted a debt validation request to XXXX. Rather than pausing collection efforts as required by FDCPA 809 ( b ), XXXX reported the account to Experian the very next day while my request was pending. This is a direct violation of the FDCPA and a deceptive collection tactic. 

In response to that improper reporting, I disputed the account with Experian. Experian marked the account as in dispute but quickly closed the dispute as verified, even though XXXX had not provided full validation. To this day, the collection remains on my report despite : No contract No chain of assignment No itemized account history No legal evidence that XXXX owns or can collect on the debt Experians failure to investigate properly violates : FCRA 611 ( a ) No reasonable investigation was conducted FCRA 607 ( b ) Continuing to report information that may be inaccurate or unverifiable FDCPA 809 ( b ) XXXX illegally initiated collection activity while validation was pending

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 2025-06-04 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: FL

Complaint narrative:
Formal Dispute of Inaccurate Credit Report Information and Reference to CFPB Legal Action I am writing to formally dispute inaccurate information that is being reported on my credit report by your agency. The item ( s ) listed below are incorrect and must be promptly investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ).

Despite previously contacting your agency and/or the data furnisher with documentation to support my claim, this inaccurate information continues to appear on my report. This has caused undue harm to my creditworthiness and may constitute a violation of federal consumer protection laws.

I also wish to reference the recent CFPB lawsuit filed against Experian and Equifax, which highlights systemic failures in properly investigating and correcting disputed credit report information. These legal actions underscore the serious legal implications of non-compliance with the FCRA and your obligations as a credit reporting agency. 

According to the lawsuit, the CFPB alleges that both Experian and Equifax continued to include unverifiable or inaccurate information in consumer credit files even after disputes were fileda situation closely aligned with my experience. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-06-04 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: LA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I sent a certified letter requesting the debt company to show me proof of this debt on XX/XX/year> it has been more than 30 days and they are still reporting it on my credit report

Company response to consumer: Closed with explanation