vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: LA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
b"Received a letter on XXXX XXXX 2025 dated XXXX XXXX 2025. I also received two to three calls daily. \n\nThe paperwork Portfolio Recovery sent me references three different accounts ending in:\nXXXX\nXXXXXXXX\nXXXX\nNone of these accounts are mine.  The paperwork references two different people, a XXXX XXXX XXXX and a XXXX XXXX  at XXXX XXXX XXXX XXXX MI XXXX.  The charges are all in XXXX.  I have never been to XXXX.  I live in XXXX.  I am so tired of all the time this is taking me to dispute when it isn't even my account. It also references payments made from a XXXX account.  I have never had a XXXX  account as I am not a veteran.\nPlease HELP!"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: AL

Complaint narrative:
XXXX - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX CARD - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance BMGMONEYIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance MIDTOWN FIN - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance EXETER FI - These late payments are inaccurately reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), as I have documentation proving timely payments, and if not immediately corrected, I will pursue legal action for willful non-compliance XXXX XXXX - XX/XX/year> - This hard inquiry was unauthorized and violates the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), as I did not consent to it, and I demand its immediate removal or face potential legal action.

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 2025-07-30 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  XXXX XXXX and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
I am filing a complaint against Midland Credit Management XXXX Inc. ( Midland ) concerning XXXX accounts ending in XXXX and XXXX, originally issued by XXXX XXXX XXXX XXXX These accounts are allegedly held by Midland, but critical legal deficiencies in their documentation raise serious concerns about their authority to collect or report these debts. 

Following my initial CFPB complaint ( Case # XXXX, submitted around XX/XX/year> ), Midland responded on XX/XX/year>, but failed to provide proper validation under FDCPA 1692g ( b ). Their response did not include a signed credit agreement, any Bill of Sale, Forward Flow Agreement, or transfer assignment and the billing statements they attached showed {$0.00} in payments, yet claimed balances of {$550.00} and {$1300.00}, respectively. 

In XXXX 2025, Midland escalated the matter by issuing a Pre-Legal Notification, again without providing any proof of ownership or lawful authority to collect. This may constitute a deceptive or misleading collection practice under FDCPA 1692e. 

There are also serious chain-of-title and securitization issues. XXXX securitized its credit card receivables through the XXXX Credit Card XXXX XXXX and XXXX Credit Card XXXX XXXX I. These trusts are managed by XXXX XXXX XXXX XXXX Delaware and XXXX XXXX XXXX XXXX XXXX, respectively. If these accounts were securitized, XXXX no longer had legal title or ownership and thus could not have lawfully sold them to XXXX. That would render XXXX claim of ownership and its collection and credit reporting activity legally baseless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
This is not a mistake or a misunderstanding. My credit report contains inaccurate information that is not being reported with maximum possible accuracy, as required by law. These errors are unacceptable and continue to cause serious harm to me personally and financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2025-06-29 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-30 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: GA

Complaint narrative:
b'This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries\nappearing on my consumer report. Per FCRA 605B (15 U.S.C. 1681c-2), you are required\nto block all information resulting from identity theft within four business days of receipt.\nThe following accounts and inquiries do NOT belong to me and were obtained\nfraudulently without my consent:\nACCOUNTS:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently discovered i have been a victim of identity theft i then filed a identity theft report i need this removed from my report asap

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 2025-07-30 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Adjustment Service, Inc.
State: DC

Complaint narrative:
In accordance with [ 15 U.S.C 1681b / 15 U.S.C. 1681i ( 5 ) ( A ) / 15 U.S.C. 1692 ] the Fair Credit Reporting Acts - laws and policies, I, XXXX XXXX, am submitting a written request to have the following Inaccurate Information Deleted from my private Consumer Report and File : * DIVERSIFIED ADJUSTMENT => Balance Amount : {$110.00} XXXX XX/XX/year>2025 ( Reported By : DIVERSIFIED ADJUSTMENT Creditor Contact:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Account Type : Other collection agencies Balance Amount : {$110.00} In Collections : Yes Payment Status : XXXX XXXX XXXX ( Collections ) Status Date:XXXX2025 )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: LA

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 Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-30 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: CO

Complaint narrative:
XXXX To Whom It May Concern : My wife and I were guarantors on a business credit card for a company ( XXXX XXXX XXXX  ) that was put out of business by malfeasance on the part of an XXXX Lender ( XXXX XXXX XXXX XXXX. 

This issue is being investigated by both the XXXX Government and there is pending litigation related to it. Our lawyers have instructed us NOT TO PAY ANY COMPANY DEBT until both the US Government investigations and pending litigation are resolved. 
All the former company 's creditors have been understanding and have not harmed our personal credit, except XXXX XXXX. XXXX XXXX has, in contrast, been abusive and vindictive, dinging our personal credit reports once to twice per month beginning on XXXX XXXX XXXX  ( nice touch ), for a total of XXXX separate derogatory reports for the same issue as of this week. 

This is not only unethical, but it is also illegal ( it is a direct violation of the Consumer Fair Credit Reporting Act ). 

I'll note that my wife and I continue to service and pay down our personal AmexEx account ( which they've also cancelled ) in a timely manner as we have with all our other personal accounts. 

I'll further note that I have been a " member '' of XXXX XXXX for well over XXXX  years and have used XXXX XXXX in multiple ways for multiple companies ( including giving them a substantial amount of business when I was an XXXX at XXXX XXXX XXXX... ). 

We are asking that derogatory reports from XXXX XXXX be removed except the first one noting the charge-off ... and that XXXX XXXX XXXX XXXX us. 
The business account was charged-off by XXXX XXXX XXXX 2024 ( and XXXX XXXX XXXX XXXX the " bad debt '' expense on their 2024 tax return ). 

To continue to ding our credit once or twice per month since that time is, as I've stated unethical and illegal. Further, it serves no purpose other than to cause pain... 

I an aso attaching a copy of a detailed letter that we were asked to submit to the US Congress last XXXX explaining these circumstances. As I said, the US Government ( multiple entities in both the XXXX and US Congress ) are looking into this issue... 

Respectfully, 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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian reinserted a XXXX XXXX XXXX  account into my credit report without notifying me, without providing any certification of accuracy, and without following the procedures required by law. This account had already been deleted, and I have a copy of my Experian credit report dated XX/XX/year> clearly showing it was no longer being reported. That should have been the end of it. Then recently, when I updated my credit report, this same account was suddenly back, with no warning, no explanation, and absolutely no notice from Experian. This is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which requires Experian to notify me in writing within five business days of any reinsertion and provide a certification from the furnisher that the account is accurate. None of that happened. On top of that, I verified with both TransUnion and Equifax, and neither of them is reporting this XXXX XXXX XXXX account. Experian is the only bureau that reinserted it. This raises serious concerns about how Experian is ensuring maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). Why is Experian reporting something that other bureaus already confirmed should be removed? This is not only frustrating, its unacceptable and unlawful. I demand that Experian immediately delete this reinserted account from my credit file, provide written confirmation that it has been removed, and explain how this violation occurred. If they can not prove this account is accurate and authorized, it must be removed permanently.

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 2025-07-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
RESURGENT/LVNV FUNDING IS A THIRD PARTY I DO NOT KNOW AND DID NOT GIVE PERMISSION PLEASE REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: DC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief