vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Disputed information for improper use, information is being reported by a third-party that is not the original creditor.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is filed pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. Equifax is reporting charge-off and collection accounts that are inaccurate, incomplete, and unverifiable. Several accounts have been marked as deleted on my credit file, yet Equifax simultaneously blocks further disputes and instructs me to contact the furnisher, creating a contradictory and misleading reporting practice. This violates 15 U.S.C. 1681i ( a ), which requires a proper reinvestigation and written notice, and 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy.

Furnisher don't have legal proof, you are to delete if can not verify all collections are illegal I have never consented, all charge off are to be deleted at zero balance.

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: CA

Complaint narrative:
This complaint is filed pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. Equifax is reporting charge-off and collection accounts that are inaccurate, incomplete, and unverifiable. Several accounts have been marked as deleted on my credit file, yet Equifax simultaneously blocks further disputes and instructs me to contact the furnisher, creating a contradictory and misleading reporting practice. This violates 15 U.S.C. 1681i ( a ), which requires a proper reinvestigation and written notice, and 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy.

Furnisher don't have legal proof, you are to delete if can not verify all collections are illegal I have never consented, all charge off are to be deleted at zero balance.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX. XXXX and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under XXXX XXXX. XXXX, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : XXXX Account Name : XXXX XXXX / Account Number : XXXX * * * * / Open : XX/XX/XXXX / Balance : {$4800.00} XXXX Account Name : XXXX XXXX / Account Number : XXXX * * * * / Open : XX/XX/XXXX / Balance : {$4600.00} Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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  - XX/XX/XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Experian, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
Agreement with the creditor that authorizes you to collect this alleged debt The agreement bearing my signature that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges XXXX that the Statute of Limitations has not expired.

( 15 USC 1692g Sec. 809 ( b Im also using XXXXXXXX XXXX XXXX

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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked and deeply frustrated to discover an unauthorized inquiry on my credit report this morning. I regularly check for accuracy, and this was completely unexpected. I even refreshed the browser hoping it was a glitch, but the issue persisted. Im urging you to carefully review the documents I provided and resolve this issue immediately so I can have peace of mind.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the accuracy and legal reporting of a collection account from XXXX XXXX XXXX in the amount of {$5700.00}. The account was reported as opened on XX/XX/XXXX, and last reported in XX/XX/XXXX, with the original creditor listed as XXXX XXXX TX. 

This is classified as a debt buyers account, meaning XXXX XXXX acquired this debt secondhand. As such, they are required to provide full validation of the debt per FDCPA Section 809 [ 15 USC 1692g ] and FCRA Section 609 ( a ) ( 1 ) ( A ), including : A copy of the original contract bearing my signature Proof of the exact balance breakdown Full chain of assignment from the original creditor Legal authority to collect on this debt So far, no such documentation has been provided. Reporting this account without first providing validation to me violates the FDCPA and misrepresents the debt under FCRA Section 602 ( a ).

Additionally, this account shows no monthly payment, {$0.00} past due, and no payment activity, making the accuracy and completeness of the reporting questionable. Discrepancies also exist in balance reporting between bureaus ( e.g., Experian shows {$5700.00} while others report {$5700.00} ). 

Debt buyers are considered furnishers under FCRA and must ensure that data reported is not only accurate but verifiable and not misleading ( FCRA Section 607 ( b ) ). In the absence of full verification and consistent reporting, I am requesting deletion of this account.

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: TX

Complaint narrative:
I am disputing the accuracy and legal reporting of a collection account from XXXX XXXX XXXX in the amount of {$5700.00}. The account was reported as opened on XX/XX/XXXX, and last reported in XX/XX/XXXX, with the original creditor listed as XXXX XXXX TX. 

This is classified as a debt buyers account, meaning XXXX XXXX acquired this debt secondhand. As such, they are required to provide full validation of the debt per FDCPA Section 809 [ 15 USC 1692g ] and FCRA Section 609 ( a ) ( 1 ) ( A ), including : A copy of the original contract bearing my signature Proof of the exact balance breakdown Full chain of assignment from the original creditor Legal authority to collect on this debt So far, no such documentation has been provided. Reporting this account without first providing validation to me violates the FDCPA and misrepresents the debt under FCRA Section 602 ( a ).

Additionally, this account shows no monthly payment, {$0.00} past due, and no payment activity, making the accuracy and completeness of the reporting questionable. Discrepancies also exist in balance reporting between bureaus ( e.g., Experian shows {$5700.00} while others report {$5700.00} ). 

Debt buyers are considered furnishers under FCRA and must ensure that data reported is not only accurate but verifiable and not misleading ( FCRA Section 607 ( b ) ). In the absence of full verification and consistent reporting, I am requesting deletion of this account.

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:
Experian is currently reporting XXXX derogatory charge-off accounts that remain inaccurate and unverifiable : XXXX XXXX XXXXXXXX XXXX reported on XX/XX/XXXX for {$34000.00} ) and XXXXXXXX XXXX ( reported on XX/XX/XXXX for {$6100.00} ). These accounts are well over XXXX years old and continue to appear on my credit profile despite having been disputed previously. The investigation responses I received were vague, automated, and lacked any documentation or direct communication from the original creditors. This not only fails to meet the requirements of a proper reinvestigation under XXXX XXXX. XXXX but also violates XXXX XXXX. XXXX ( b ), which obligates Experian to ensure the maximum possible accuracy of consumer credit data. 

By continuing to report these entries without obtaining and providing the original documentation used to validate the debts, Experian is operating in bad faith. If the creditors are unable to provide legal proof of the account 's legitimacy, Experian has no legal grounds to continue reporting them. The prolonged damage caused by these unverifiable charge-offs has created unjust obstacles in my financial life and undermines my creditworthiness. The failure to remove outdated, incomplete, or unverifiable information constitutes a violation of XXXX XXXX. XXXX ( a ) ( XXXX ). These entries must be treated with the seriousness they deserve and reviewed through a complete reinvestigationnot an automated process.

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: DISCOVER BANK
State: OH

Complaint narrative:
Discover Financial Services performed a hard inquiry on my credit on XX/XX/year> without my consent. I do not have any business, applications, or accounts with Discover.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

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

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to request a review of the personal information listed in my credit file to ensure it reflects only accurate, complete, and up-to-date data in accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Reporting Format developed by the Consumer Data Industry Association ( CDIA ) . 

Specifically, I request that my credit profile only reflect the following verified and accurate personal information : Verified Personal Information to Report : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : Date of Birth : XX/XX/year> SS # : XXXX Per XXXX  XXXX and FCRA standards, all outdated, duplicate, or unverifiable personal identifiers including former addresses, name variations, and obsolete employer data should be removed if they do not meet current reporting accuracy and relevancy requirements. 

Documentation Included : To assist with your update, Ive enclosed : A copy of my government-issued ID A recent utility bill or official document showing my current address Please investigate and update my file accordingly. I request written confirmation once my report has been updated to reflect only the verified information listed above. 

Thank you for your attention and prompt handling of this matter. 

Sincerely, XXXX XXXX

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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I recently received a copy of my consumer report and noticed several inaccuracies and unauthorized accounts/information on my credit report. These remarks have been detrimental to my life and credit health.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I've been sent to collections over {$89.00} for an insurance policy I never put in place when I bought my home. My mortgage company does not have the insurance listed on the loan, either. 

At the time I was shopping for an insurance policy on the chance that I could need it and I thought I was receiving a quote, the recorded call proves that, instead the agent over the phone had put me into a policy. 

I closed on my condo on XX/XX/XXXX and the master insurance was the insurance company listed on my documents, not XXXX. 

On XX/XX/XXXX, I reached out to XXXX and spoke to, who told me that a third-party seller must have been responsible for placing the policy but there's nothing they can do. XXXX were the ones who sent me to collections, not XXXX  by XXXX. I never received communication from XXXX regarding the matter ; they just sent it directly to collections.

Company public response: Company believes the complaint is the result of a misunderstanding
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
All of the debts listed under collection are COMPLETELY FRAUDULENT. All are listed as ORIGINAL debtor when they are not.The status of accounts being OPEN is fraudulent, the dates and amou ts are FRAUDULENT as well. These debts have either been sold or CHARGED off. All accou ts are well over 5-6 years old. The companies that bought the debts are fraudulently reporting status, dates, amounts and listing themselves as ORIGINAL debtors and yet I still can not get equifax, or any collection agencies that are listing fraudulent information to justifiably investigate why these are beong reported with incorrect information nor supplying me with documentation of the VALUDATION OF DEBT that I have requested on numerous occasions.. I have had no XXXX  with any of the companies listed on my report..

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