vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 youhave 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 XXXX  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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-19 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: MD

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-11-19 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( 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 2025-11-19 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with XXXX  credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit 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
Consumer complaint received 2025-11-19 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Letters were sent to credit bureaus on XX/XX/XXXX to remove all inquires as they were unauthorized by me. I also requested that my personal information be updated to XXXX XXXX XXXX and to remove any name ( XXXX ) that are not displayed as requested. I also requested that my address be updated to XXXX XXXX XXXX XXXX XXXX NC and for all previous addresses be removed that are not displayed as the address requested for my personal contact information. There has been no change since I have requested this information. 

Letters were mailed to : Equifax : P.O. Box XXXX, XXXX, GA XXXX Experian : P.O. XXXX XXXX, XXXX, TX XXXX TransUnion : P.O. XXXX XXXX, XXXX, PA 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 2025-11-19 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: NC

Complaint narrative:
Letters were sent to credit bureaus on XX/XX/XXXX to remove all inquires as they were unauthorized by me. I also requested that my personal information be updated to XXXX XXXX XXXX and to remove any name ( XXXX ) that are not displayed as requested. I also requested that my address be updated to XXXX XXXX XXXX XXXX XXXX NC and for all previous addresses be removed that are not displayed as the address requested for my personal contact information. There has been no change since I have requested this information. 

Letters were mailed to : Equifax : P.O. Box XXXX, XXXX, GA XXXX Experian : P.O. XXXX XXXX, XXXX, TX XXXX TransUnion : P.O. XXXX XXXX, XXXX, PA 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 2025-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: PA

Complaint narrative:
national credit adjusters trying to collect a debt thats not mine!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
Please treat this letter as my formal dispute of the accounts noted. I did not approve or open them and have no connection to them. I request their deletion and an appropriate investigation. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: NY

Complaint narrative:
My wallet was stolen, and my Direct Express card was inside. When I called Direct Express, they cancelled the card and told me I needed to verify my identity. Ive been trying to complete this process for five weeks now. I sent in my new New York State ID, Social Security card, and birth certificate. For weeks they kept saying the documents werent approved. Today they told me they were approved, but that my five-day window to call them expired yesterday ( XXXX ). I never received any email saying my identity had been approved or that I only had a five-day timeframe to contact them. I was originally told that once I verified my identity, it would stay on file. Every time I call to get clarification, they hang up on me, and it takes one to two hours just to reach someone. Im extremely frustrated and need help resolving this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I initially submitted a payoff request through the website as directed from the automated message on XX/XX/year>. I called to follow up on the request XX/XX/year> when I was told my request was not in the system and I needed to submit another request. Another request was submitted the same day XX/XX/XXXX and I called again the next day XX/XX/XXXX just to make sure my request was received. I was told they see my request and not sure why it hasn't been completed but will try to have a payoff as soon as possible. On XXXX XXXX. I still never received anything, so I called back where I spoke with another agent who told me to send her the request via email. I tried following up with her for a couple days but no response so I called again XX/XX/XXXX and that agent confirmed he saw my request and will have it completed within XXXX business days. I called back on XX/XX/XXXX to get an update and got connected with an agent who explained the loan just transferred to XXXX last month and the loan transfer takes up to 60 days to onboard, XXXX was also waiting on the Mortgage note and prepayment penalties ( if any ) from the departing company. My complaint is I have been getting the runaround by multiple agents saying they don't see my request or promised my request would be fulfilled and it was not. This loan has been delayed closing because this payoff statement still hasn't been received. I submitted XXXX request and called XXXX  times for this and still have no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
They said they would sent this to credit bureau for removal from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Title : Bridgecrest Mishandling of Settlement, Improper Transfer to Collections, and Refusal to Provide Account Information What happened : I entered into a settlement agreement with Bridgecrest that reduced my balance from about {$10000.00} to {$4000.00}. I made multiple payments under that settlement. 

During the XXXX federal government shutdown, I was furloughed without pay. I contacted Bridgecrest to notify them and offered to provide official documents showing my suspension without pay. The Bridgecrest representative told me not to send anything and that my account would be fine. 

After the furlough ended, I attempted to resume payments but was told that my account had been transferred to XXXX, a third-party company. XXXX informed me that they could not access the account because it is locked/blocked. I contacted Bridgecrest again and was told they could not give me any information at all about my own account because it was transferred. 

Bridgecrest did not : Notify me before transferring the account, Allow me to continue making payments, Give me any explanation for the transfer, Provide any documentation, Tell me whether the settlement is still active, Provide any credit reporting details. 

This has jeopardized my settlement, my credit, and my ability to buy a home in early XXXX. I am requesting the CFPB assist in having Bridgecrest : ( 1 ) Reinstate my settlement, ( 2 ) Provide the required account information, and ( 3 ) Correct any inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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 request the removal of the account listed under XXXX from my credit report because the information related to this creditor is inaccurate. The mailing address provided for XXXX appears to be invalid or incorrect. I attempted to contact the company directly by mail using the address shown in my credit report, but the letters were returned by the postal service marked undeliverable or unable to locate recipient. 

As evidence, I have attached copies of the returned correspondence. According to the Fair Credit Reporting Act ( FCRA ), Experian must verify the accuracy of reported information. Because XXXX can not be contacted or verified through its listed address, I respectfully request that this account be deleted from my credit report if verification can not be completed within the required timeframe. 

Thank you for your prompt attention to this matter. Please confirm in writing once this issue has been resolved.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to request the removal of the account listed under XXXX from my credit report because the information related to this creditor is inaccurate. The mailing address provided for XXXX appears to be invalid or incorrect. I attempted to contact the company directly by mail using the address shown in my credit report, but the letters were returned by the postal service marked undeliverable or unable to locate recipient. 

As evidence, I have attached copies of the returned correspondence. According to the Fair Credit Reporting Act ( FCRA ), XXXX  must verify the accuracy of reported information. Because XXXX can not be contacted or verified through its listed address, I respectfully request that this account be deleted from my credit report if verification can not be completed within the required timeframe. 

Thank you for your prompt attention to this matter. Please confirm in writing once this issue has been resolved.

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 2025-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: PA

Complaint narrative:
national credit adjusters trying to collect a debt thats not mine!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-19 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: FL

Complaint narrative:
I am filing a complaint against TransUnion for failing to comply with FCRA 611.

I disputed the XXXX account. TransUnion marked the dispute as resolved even though the furnisher did not verify the account.

Under FCRA 611 ( a ) ( 5 ) ( A ), if an item can not be verified, TransUnion is legally required to delete it. 
TransUnion closed my dispute without verification and left the negative account on my report. 
I am requesting enforcement action and immediate deletion of the XXXX account due to the furnishers failure to verify.

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: IL

Complaint narrative:
I have tried dispute some transactions after my phone and wallet was stolen and they denied me and I kept trying. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
The investigation did not fix an error on your 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
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The investigation did not fix an error on your report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Your Name XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/year> Midland Credit Management , Inc . 


RE : Cease & Desist Account # XXXX To Whom It May Concern, This letter serves as my formal notice under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act that you must cease all communication and collection activity regarding the alleged debt referenced above. 

Furthermore, you are required to cease reporting inaccurate or unverifiable information to any consumer reporting agency. Continued furnishing of disputed information may constitute violations of 15 U.S.C. 1681s-2, 1692e, and 1692f.

You are hereby instructed to communicate with me only in writing, and only to confirm compliance or to notify me of specific legal remedies you intend to pursue.

Any further contact or reporting will be documented as evidence for complaints with the Consumer Financial Protection Bureau ( CFPB ), the Ohio Attorney General, and other regulatory bodies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation