vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: CA

Complaint narrative:
Subject : Formal Demand for Validation & Removal of Unauthorized Hard Inquiries FCRA 1681b Violation To Whom It May Concern, I am writing to formally dispute two unauthorized hard inquiries made by XXXX on my credit report. These inquiries were conducted without my consent and lack permissible purpose under 604 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ).

Unauthorized Inquiries in Dispute : Inquirer : XXXX Date of Inquiry : XX/XX/year> Credit Bureau Reported : [ XXXX if known ] Inquirer : XXXX Date of Inquiry XXXX XX/XX/year> Credit Bureau Reported : XXXX XXXX if known ] Legal Violations : FCRA 1681b ( a ) ( 2 ) Requires permissible purpose for credit inquiries.

FCRA 1681i Grants me the right to dispute inaccurate or unauthorized entries. 

Lack of Wet Signature Federal law ( including Regulation B ( ECOA ) and FCRA ) requires signed authorization for hard credit pulls. 

Demands : Provide a copy of my signed authorization ( wet signature ) proving I consented to these inquiries. 

Immediately remove both inquiries from all credit bureaus if you can not provide valid proof. 

Confirm in writing that these inquiries have been deleted and will not reappear. 

Failure to Comply : If you do not validate these inquiries or remove them within 30 days, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Escalate to the Federal Trade Commission ( FTC ) and my state attorney general. 

Pursue legal remedies under FCRA 1681n ( Willful Noncompliance ) for damages. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing to formally dispute the collections account listed on my credit report. Under 15 U.S. Code 1681i, I have the right to dispute information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I have attached my identity theft report for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : 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 Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-30 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: SC

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal within 4 days : 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 Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
I was using Flex the XXXX XXXX when I logged into my apartments portal and noticed i was paying XXXX dollars more than what I should be paying, so I cancelled my membership with Flex and tried to get a refund, when I tried to call they claimed they don't take calls and the phone number was just for show so I had to talk to a bot today ( Friday XX/XX/XXXX ) and they told me a person would email me, but they didn't so i sent another email, and they still didn't so I sent a third and they finally responded by stating they did not want to give me a refund and to pay the outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: LEXISNEXIS
State: TX

Complaint narrative:
This is now the 3rd time where LexisNexis is claiming that I had an accident or incident on XX/XX/year> I have verified with both XXXX and XXXX XXXXXXXX XXXX XXXX that no such claim exists. 
LexisNexis claimed they could not verify my identity, even though I sent them my state license, my social and birth certificate, yet they claim I have an incident? I need this handled immediately, and searched into. This is becoming a headache and now a serious issue, as I am unable to get decent auto insurance quotes. 
My insurance quotes are 2-3 times higher than they should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$140.00} Inquiries XXXX XXXX Date : XXXX AN # XXXX Date : XXXX XXXX XXXX Date XXXX XXXX XXXXXXXX XXXX Date : 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 2025-05-30 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: NV

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-05-30 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: NV

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MA

Complaint narrative:
Following is a list of inaccurate information that I discovered on my Experian account on XX/XX/XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX Acct # XXXX Alleged Amount Owed : {$190.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, VA XXXX Acct # XXXX Alleged Amount Owed : {$1400.00} Acct # XXXX Alleged Amount Owed : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Acct # XXXX Alleged Amount Owed : {$510.00} Acct # XXXX Alleged Amount Owed : {$790.00} Acct # XXXX Alleged Amount Owed : {$840.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX Acct # XXXX Alleged Amount Owed : {$720.00} Acct # XXXX Alleged Amount Owed : {$620.00} Acct # XXXX Alleged Amount Owed : {$930.00} Acct # XXXX Alleged Amount Owed : {$600.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX Acct # XXXX Alleged Amount Owed : {$1400.00} Acct # XXXX Alleged Amount Owed : {$3600.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Closed : XX/XX/XXXX Alleged Balance : {$8900.00} XXXX responded to the inaccurate information by sending Experian a certified letter requesting that they conduct a reasonable investigation, and an immediate deletion of all unverified and inaccurate information. Attached is the letter I sent to Experian on 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 2025-05-30 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: LA

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
Debt validation This has already been disputed and taken off my credit then put back on again. I payed the full amount at the register for the phone. The disgruntled worker at XXXX who put in the payment was extremely rude and disrespectful. This is a horrible representation and look for XXXX who cant control or properly manage their employees. I am not going to continue to suffer because of XXXX. 

The collector is Jefferson capital systems LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX California XXXX, and spoke with Sales Representative XXXX XXXX about purchasing an XXXX XXXX. I gave XXXX the measurements for the door. On XX/XX/XXXX, XXXX sent me a diagram of the door via email to confirm that this is the door that I wanted to purchase. On XX/XX/XXXX, I confirmed yes this is the door that I want to purchase and gave XXXX a deposit of {$1900.00} for the door via telephone from my debit card, the receipt shows XX/XX/XXXX. XXXX informed me that the door would be ready by XXXX or XX/XX/XXXX, this was the first timeline for door arriving and then I would make the final payment of another {$1900.00} in XX/XX/XXXX when door arrived. In XXXX I called XXXX XXXX XXXX and they informed me that the door would not be to there store until XXXX or XX/XX/XXXX. When I asked what was going on they informed that the containers were still on the water. I asked to speak with XXXX, and they informed me that he wasn't in the store. In XX/XX/XXXX, I called XXXX XXXX XXXX several times to get my money refunded. They gave me an email address ( XXXX to request a Credit/Debit Card Refund Request Form , based on the information that I received from the receptionist that was the accounting department. I never received a response from this department. On XX/XX/XXXX, I requested to speak with the owner because I was not getting any answers pertaining to my money being refunded nor any answers regarding the door. The receptionist wrote down my email address and told me that she would personally give my information to the owner XXXX XXXX XXXX ). She gave me the information that I would need to turn in in with the Credit/Debit Refund Request Form . A copy of my Driver 's License, copy of the debit card, the original receipt of purchase and refund form. I also added my bank statement showing the date of the deduction. On XX/XX/XXXX, I sent over all the required information to XXXX requesting the {$1900.00} be refunded to my account. They informed me that it would take 30 business days to receive the refund. On XX/XX/XXXX ( 74 ) days later, after calling the store ( XXXX XXXX XXXX ) I sent XXXX XXXX an email on XX/XX/XXXX. XXXX responded that he had sent an email to the accounting department to get the status of the refund. On XX/XX/XXXX, accounting responded via email, that they were sending over to merchant services to check on the status of the refund. On XX/XX/XXXX, I sent an email to XXXX and he never responded so on XX/XX/XXXX, I went to Truis Bank to file a Fraud claim

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 2025-05-30 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: RI

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!

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

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 seven 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 2025-05-30 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX Balance : {$0.00} Open Date XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX : {$5000.00} Open Date XXXX XXXX, XXXX, XXXX XXXX XXXX Balance : {$1100.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX Balance : {$0.00} Open Date XX/XX/XXXX, XXXX XXXX XXXX, Balance : {$410.00} Open Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am the victim of identity theft. On or around XX/XX/XXXX, I was notified by XXXX XXXX XXXX XXXXXXXX XXXX that my rental application was denied. The denial was based in part on a tenant screening report from XXXX XXXX XXXX which contained a civil court eviction record that does not belong to me. 

I have never lived at the address associated with the eviction and was not involved in any landlord-tenant litigation or proceedings that would justify this reporting. This civil case was fraudulently filed using my identity without my knowledge or authorization. 

This false record has already harmed me by causing the denial of housing. I am actively seeking to correct this through all proper legal and consumer protection channels. 

I am attaching : A copy of my valid government-issued ID. 

Proof of current address. 

Documentation of the rental denial. 

A forthcoming police report to support this FTC complaint. 

I request that all entities, including XXXX and any third-party vendors that may have shared or stored this information, immediately investigate, correct, and block this fraudulent information from further use or reporting. 

Victim Information : XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : ( XXXX ) XXXX Email : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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