vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of information reported on my credit report. Upon review of my credit report, I have identified inaccuracies in the reporting of the following account : The following personal information is incorrect : XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$77.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$950.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX  Account XXXX XXXXDate Opened : XX/XX/XXXX Amount : {$94000.00} Please remove it from my credit report under 15 USC 1681i The following personal information is incorrect : XXXX XXXX  Account XXXX Date Opened : XX/XX/XXXX XXXX Please remove it from my credit report under 15 USC 1681i Pursuant to 15 USC 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information contained in consumer reports. Additionally, under 15 USC 1681i, credit reporting agencies are required to promptly investigate and correct or remove inaccurate, incomplete, or unverifiable information. 
These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be 100 % accurate across all credit reporting agencies. As a result, I request that the account in question be either updated to reflect complete and accurate information or removed from my credit report entirely. 
I expect the inaccuracies to be corrected or the account to be removed from my credit report within XXXX days of receiving this letter. Failure to comply with this request will leave me no choice but to pursue legal action under the provisions of the FCRA, including seeking statutory damages of {$1000.00} per inaccuracy

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 2025-07-18 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I inform you that I have been a victim of identity theft, which has seriously affected my life. Someone has used my personal information without my consent to open an account that has absolutely nothing to do with me. This situation has caused me great distress and left me feeling extremely vulnerable. I urgently and sincerely request the immediate BLOCKING and complete removal of this fraudulent account, as it does not belong to me and is unfairly damaging both my record and my peace of mind. The fraudulent inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX Experian ; XXXX XXXX XXXX inquired on XXXX XXXX XXXX TransUnion ; XXXX inquired on XXXX XXXX XXXX Equifax ; XXXX XXXX inquired on XXXX XXXX XXXX TransUnion ; and XXXX XXXX inquired on XXXX XXXX XXXX Experian.  These inquiries are negatively impacting my credit profile and were not authorized by me. I am requesting that these fraudulent inquiries be BLOCKED immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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 inform you that I have been a victim of identity theft, which has seriously affected my life. Someone has used my personal information without my consent to open an account that has absolutely nothing to do with me. This situation has caused me great distress and left me feeling extremely vulnerable. I urgently and sincerely request the immediate BLOCKING and complete removal of this fraudulent account, as it does not belong to me and is unfairly damaging both my record and my peace of mind. The fraudulent inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX inquired on XXXX XXXX XXXX Experian ; XXXX XXXX XXXX inquired on XXXX XXXX XXXX TransUnion ; XXXX inquired on XXXX XXXX XXXX Equifax ; XXXX XXXX inquired on XXXX XXXX XXXX TransUnion ; and XXXX XXXX inquired on XXXX XXXX XXXX Experian.  These inquiries are negatively impacting my credit profile and were not authorized by me. I am requesting that these fraudulent inquiries be BLOCKED immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
This is the letter I am submitting in accordance with my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Data Reporting Standards. I have identified multiple items on my credit report that are inaccurate, unverifiable, and/or reported without proper documentation or permissible purpose. These reporting practices violate federal regulations, damage my credit reputation, and hinder my financial stability. Disputed Items Collections - XXXX XXXX XXXX XXXX XXXX XXXXXXXX | {$8400.00} Violations of Federal Law 1. 15 U.S.C. 1681 ( Section 602 ( a ) ) Ensures the right to privacy and accurate reporting for consumers. 2. 15 U.S.C. 1681b ( a ) ( 2 ) Prohibits consumer reporting agencies from furnishing reports without a valid permissible purpose and written consent. 3. 15 U.S.C. 1681c ( a ) ( 5 ) Restricts inclusion of outdated or adverse information beyond reporting time limits. 4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prevents furnishers from providing information they know or should know is inaccurate. 5. Metro 2 Standards Require full compliance in data formatting, accurate account status reporting, and proper substantiation of derogatory claims. Summary of Issue Despite my formal disputes and requests, no physically verifiable documentation has been provided to support the accuracy or validity of these accounts or the inquiry. I have not received : Proof of a permissible purpose Signed contracts or account ownership documents Verification supporting derogatory or delinquent status Evidence of proper formatting or compliance with Metro 2 standards

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 2025-07-18 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I am filing this complaint against Midland Credit Management ( MCM ) for continuing to contact me after I clearly requested that they stop all communication via phone for this debt and that all communication must be submitted in writing. This is my right under the Fair Debt Collection Practices Act. 

Despite this, they have called me today ( XXXX ) at XXXX and left a voicemail. As I have previously asked them not to contact me via phone this action constitute harassment and are in a direct violation of federal law. I am requesting that the CFPB intervene to ensure MCM ceases all communication with me ( other then written communication ). 

I am requesting the following : A full investigation into MCM 's practices. 
A written confirmation that they will cease all phone communication. 
That the matter be resolved without further harassments Written verification they have proper licenses/permits/requirements to outsource their call centers to over seas where the call center representatives are rude and required me to explain the FDCPA guidelines despite stating they understood them but didn't know why I was saying it was broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Admin Recovery, LLC
State: ME

Complaint narrative:
Today, XX/XX/XXXX at least three of my family members received phone calls from admin recovery asking for my contact information and harassing my family. My family noted that during the phone call when they refuse to provide any information they kept threatening were just gon na call all of the ( last name of my husband ). The individuals calling my family were extremely disrespectful and rude. I called the admin recovery myself and advised them that I was gon na be filing the complaint with the FTC regarding their behaviors and practices. All they did was yell at me and try to threaten me on the phone call. I ended up having to disconnect the call because I felt so uncomfortable.

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 2025-07-18 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XXXX/XXXX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union 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. This fraudulent, inaccurate, and false information consists of XXXX 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 XX/XX/XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX 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 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 2025-07-18 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-18 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: CA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX, IN XXXX XXXX Date : XXXX  To Whom It May Concern, I am writing to dispute an inaccurate judgment being reported on my credit file by XXXX XXXX, dated XX/XX/XXXX, related to a vehicle that was repossessed in XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), including but not limited to Sections 602, 607, and 609, I am demanding immediate investigation and removal of this judgment for the following reasons : No Proper Service I was never served any court documents, summons, or notice regarding this case. A judgment obtained without proper service is legally invalid and can not be reported to consumer reporting agencies.

Violation of FCRA Verification Requirements I am requesting, per FCRA Section 609 ( a ) ( 1 ), the method of verification used to report and confirm this public record. Credit bureaus are required to maintain reasonable procedures to ensure accuracy. If you can not verify this information directly with the original source, it must be deleted.

Misleading/Inaccurate Reporting Reporting a judgment without clear verification of legal service and procedural due process is misleading and in violation of FCRA Section 607 ( b ).

This judgment is damaging my credit file and was entered under questionable legal circumstances. I hereby request that you : Conduct a full reinvestigation, Provide all documentation used to verify the item, including any affidavit of service, and Delete this judgment from my credit report immediately if it can not be fully verified.

You are required to respond within 30 days per federal law. If this account is not removed or corrected, I will pursue legal remedies under the FCRA and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and the Indiana Attorney General. 

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 2025-07-18 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: TX

Complaint narrative:
I am filing this complaint regarding inaccurate late payment reporting by XXXX XXXX. This is a formal challenge to the previous mishandling of my original dispute regarding the Regions Mortgage account. 

The failure to correct or delete inaccurate, incomplete, and inconsistent data across all three credit bureaus violates the obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and shows a lack of proper reinvestigation under law.

The mortgage account in question contains the following verified discrepancies between Experian, Equifax, and TransUnion : Conflicting payment history entries : XXXX XXXX XXXX XXXX Status misreported ( e.g., open vs. closed ) XXXX XXXX Inconsistent monthly payment amounts XXXX XXXX Different dates of last activity XXXX XXXX Unmatched balance amounts XXXX XXXX  Wrong payment status. 

These conflicting entries show the data is inherently unreliable and unverifiable. Under FCRA 1681a, this mortgage is a specific transaction that can not be included in a consumer report unless it meets strict accuracy standards. It clearly does not.

Additionally, under 15 U.S.C. 6802, credit bureaus are obligated to safeguard and lawfully disclose personal financial information. Sharing incorrect and inconsistent data across third parties is a violation of this statute. 

I instructed the bureaus not to use XXXX  any automated system, or any third-party platform to process this challenge. They were required to conduct a manual review and reinvestigation as mandated by federal law.

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 2025-07-18 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: NJ

Complaint narrative:
I am reaching out to request an investigation into these accounts due to inaccurate reporting on my credit report. Under USC 1681g, I am formally asking for their removal within 15 days. I have included all pertinent documents for your thorough review. In addition, the information related to these accounts is not only inconsistent but also incorrect across the major credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
In XXXX of XXXX a collection account was placed on my credit report for XXXX XXXX It says it was created in XXXX of XXXX. I called the company to ask what was it about. They said I owed money to a gym from that year and they sent me a physical mail to the address I had on file which was my college address. That was during the pandemic and I had to leave the country being an international student. At the point the physical mail was sent I was no longer living on campus or in the country. There were no attempts to call me or email me so that I could've had a fair chance to pay the debt before it became delinquent and derogatory. If the company has given effort to contact me instead of just sending one letter to my college where I was not living at the time 4 years ago, I would've paid the small debt. Now it's 4 years later and the collection account is destroying my credit when I didn't have a chance or knowledge of the debt account before it was reported.

Company response to consumer: Closed with explanation