vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I reported identity theft earlier this year after trying to buy a car and seeing several collections on my report. I filed a report an sent information to XXXX XXXX credit bureaus XXXX XXXX XXXX XXXX XXXX and Midland Credit Management XXXX XXXX contacting me. They will contact me from a XXXX number so that i can answer which I have blocked or by an XXXX number. I prefer not to continuously be contacted as this matter has been resolved and I am also on the XXXX Not XXXX XXXX. I plan to notify another authority because this is highly annoying to keep being harassed by both of these companies. The most recent number MCM called from is XXXX and XXXX is contacting from XXXX. I would like for all communications to see as I have resolved this issue with the ftc report and reporting to all three credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: CA

Complaint narrative:
I am submitting this complaint because Experian, Equifax, and TransUnion are reporting inaccurate late payments on my credit reports for the following accounts : 1. XXXX XXXX XXXX Account ending in : XXXX Alleged late payment : XX/XX/XXXX Status : Open Monthly payment : {$100.00} Balance : {$3900.00} Credit limit : {$3800.00} 2. XXXX XXXX XXXX Account ending in : XXXX Alleged late payment : XX/XX/XXXX Status : Open Monthly payment : {$44.00} Balance : {$1000.00} Credit limit : {$1000.00} Both tradelines have reported a 30-day late payment to all three bureaus, but I was never late on either account. I have disputed these late payments directly with all three credit bureaus and the furnishers ( XXXX and XXXX ), and each of them failed to provide proper verification or documentation to support the accuracy of the late mark. 
Under the Fair Credit Reporting Act ( FCRA ) Section 611 and 623, credit bureaus and furnishers must conduct a reasonable investigation and remove or correct inaccurate or unverifiable information. Simply responding " verified '' without actual documentation or a valid method of verification does not meet the legal standard for compliance. 

Additionally, Experian shows the remark : Completed investigation of FCRA dispute consumer disagrees for XXXX. 
And Account previously in dispute investigation complete, reported by data furnisher for XXXX. 

These responses indicate that the furnishers did not validate the late payment with actual proof, and the bureaus accepted the data without reasonable investigation. This is a violation of 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 2025-05-20 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: Global Lending Services LLC
State: KY

Complaint narrative:
In XX/XX/year>, I visited a car dealership to inquire about auto financing. I authorized a single credit inquiry to check for loan approval. However, I later discovered that over 10 hard inquiries were submitted to various lenders within a very short timeframe all without my knowledge or proper disclosure. 

I was not informed that my information would be sent to multiple third-party lenders, nor did I sign individual authorizations for each inquiry. This kind of shotgun financing tactic is not only deceptive, but it also has a damaging impact on my credit profile. These inquiries were made without my full understanding or direct consent, which violates the FCRAs requirement for permissible purpose. 

I am requesting a full investigation and removal of all unauthorized or excessive inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Volvo Car Financial Services U.S., LLC
State: KY

Complaint narrative:
In XX/XX/year>, I visited a car dealership to inquire about auto financing. I authorized a single credit inquiry to check for loan approval. However, I later discovered that over 10 hard inquiries were submitted to various lenders within a very short timeframe all without my knowledge or proper disclosure.

I was not informed that my information would be sent to multiple third-party lenders, nor did I sign individual authorizations for each inquiry. This kind of shotgun financing tactic is not only deceptive, but it also has a damaging impact on my credit profile. These inquiries were made without my full understanding or direct consent, which violates the FCRAs requirement for permissible purpose. 

I am requesting a full investigation and removal of all unauthorized or excessive inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I was looking for a house to rent. Went on XXXX marketplace and reached out to people. Someone by the name of XXXX XXXX sent me a message telling me their landlord would reach out. After speaking with the landlord through texts and calls they had me fill out XXXX applications XXXX for myself and XXXX for my boyfriend. They also had me send XXXX {$60.00} application fees and a {$150.00} holding fee. Once sent the landlord told me theyd send me the access code to house we were viewing when we got there. Upon arrival I sent several messages and calls and never heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2025-05-20 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be iraccurate, and addition to that my information was exposed in the data breach because of the negligence of EQUIFAX. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX AUTO

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: OR

Complaint narrative:
Please see supporting documentation pertaining to the Equifax Data Breach. 
Subject : Request to Block and Delete Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a )

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Self Financial Inc.
State: PA

Complaint narrative:
Account ATLANTIC CAPITAL BANK XXXX ending in # XXXX. I'm unaware of this debt and did not have the oppurtunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not please delete account ending in # XXXX as soon as possible from my credit report or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX i contacted numerous companies Indvidualy to see why they obtain a copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
I am requesting a full and thorough reinvestigation of ALL the disputed information in the letter attached to this complaint. To date, no corrections have been made, despite the clearly identified inaccuracies and inconsistencies I raised. I am again disputing the accuracy and completeness of the information being reported in this account. In accordance with the FCRA, I am also requesting a description of the procedures used to verify the accuracy and completeness of ALL the disputed information that came back verified. You are legally obligated to provide this information as part of your reinvestigation. If ALL the disputed information can not be corrected, or if you fail to provide the description of the procedures used to verify it, you must delete each account from my credit report to comply with your obligations under the 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 2025-05-21 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: TX

Complaint narrative:
I am submitting a complaint regarding the inaccurate reporting of a collection account on my Experian credit report. On XX/XX/year>2025, I filed a dispute regarding several errors in how the collection account is being reported. Surprisingly, the dispute was marked as verified within only 3 hours, which raises serious concerns about the validity and thoroughness of the investigation process.

The issues are as follows : Collections typically do not report monthly payment history unless the consumer is actively making payments under a formal repayment agreement. In my case, I have no such agreement, yet monthly payment history is being reported.

The account reflects a " 1-month '' term '', which is inconsistent with the nature of collection accounts. Collections are neither revolving nor installment-based, and such a term misrepresents the account type.

The account is also reported as " past due '', which is misleading since collection accounts are already considered delinquent. There is no formal repayment agreement in place, so there should not be a past-due amount reported monthly.

This inaccurate and misleading reporting is unfairly affecting my credit profile. I am requesting that the CFPB investigate both the reporting practices of the furnisher and Experians rapid " verification '' process, which does not appear to meet the Fair Credit Reporting Act ( FCRA ) standards for a reasonable investigation.

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 2025-05-20 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:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX. 


Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 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 2025-05-20 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: TN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I was incarcerated since XXXX just got out XX/XX/XXXX. All these accounts was opened while I was in jail and the credit bureau havent removed them.

Company response to consumer: Closed with non-monetary relief