vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: MO

Complaint narrative:
While shopping at XXXX XXXX, we were approached by an associate about applying for the store credit card. I was told about all the benefits of the card and that applying would have no impact on my personal credit. I was assured multiple times that the application process would only require a soft pull. After I gave them my personal information I was approved and later realized that I had multiple hard inquiries related to this store credit card. This took place on XX/XX/year>. 

The following day I reached out to XXXX XXXX, the card issuer and explained everything that happened. They stated that they could not help me. This is ridiculous. 

XXXX XXXX  and XXXX XXXX are utilizing deceptive and unethical business practices. This unauthorized inquiry is adversely impacting my credit and needs to be removed 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 explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
Between XXXX and XXXX, numerous hard inquiries appeared on my credit report that I did not authorize or initiate. I did not apply for credit with any of the companies that placed these inquiries, and I have no relationship with them. These inquiries are unauthorized and inaccurate, and I am disputing their validity under the Fair Credit Reporting Act ( 15 U.S. Code 1681c2 ), which provides consumers the right to request the removal of unverifiable or fraudulent inquiries. 

The inquiries in question were made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. I did not authorize any credit checks from these companies. 

These inquiries have negatively impacted my credit score and were not the result of any credit application I submitted. I am requesting a full investigation and removal of these inaccurate inquiries 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 2025-06-18 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: AmeriCollect
State: FL

Complaint narrative:
I am disputing a collection account placed on my credit report by Americollect , Inc. ( account # XXXX ), which lists XXXX XXXX XXXX as the original creditor. 

I have never received any communication or billing from either company and was never given the chance to validate or dispute this debt prior to it appearing on my credit file. 

The account shows as opened in XX/XX/XXXX but was marked past due as of XX/XX/XXXX this makes no sense chronologically. The balance shows {$1500.00} with 0 % paid, but I have no knowledge of this debt. 

I am requesting full validation and immediate removal from my credit report if it can not be verified. 

This unexplained negative tradeline has caused serious damage to my credit and I was denied the rights granted under the FDCPA and FCRA. 

Please investigate and require Americollect to provide proof or remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I am submitting this complaint to dispute an inaccurately reported late payment on my TransUnion credit file related to the account listed as XXXX, account number XXXXXXXX XXXX XXXX, with a reported closed date of XX/XX/year> and a status of Closed or paid account/zero balance. 

This account is fully closed and carries a XXXX balance, meaning there is no outstanding debt owed. However, TransUnion continues to report a derogatory late payment history associated with this account, which is both inaccurate and misleading. I have never received any valid documentation from the creditor or TransUnion substantiating the delinquency or showing a pattern of late payments prior to account closure. If a creditor is unable to verify the accuracy of a derogatory entryespecially when the account is no longer active and has been resolvedthen the continued reporting of such data violates the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are obligated to maintain procedures that ensure maximum possible accuracy. Reporting a late payment on an account that is closed, fully paid, and unverified constitutes a failure to meet that standard. This item unfairly harms my credit profile by misrepresenting my payment history and affecting my overall score, even though there is no valid financial obligation remaining.

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 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: MI

Complaint narrative:
I called to negotiate the debt. I told them that I was looking to set up some plan to start next month so that I can pay it down and get it off my credit but I was very clear I did not have funds today. After I told them that and tried to explain that I am in financial hardship and that I just got out of a domestic situation ( which caused the debt in the first place ), they became so rude and they said that they essentially did not care why I left I still have to pay even though I was literally calling to figure out a way to pay them. I was speaking with a man named XXXX and this agency was IQ DATA XXXX they called me from XXXX. This person kept talking over me and he made a very daunting threat saying that because I called back to tell another manager about his behavior that he would move forward on my account. This is illegal, he did not tell me what the next steps were and he hung up in my face. This person was extremely rude! I am one of the few people trying to make things right instead of ignoring it and he was so rude to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: Sunset Management, Inc
State: GA

Complaint narrative:
Several inconsistencies with the creditor names different on all 3 bureaus, 1 bureau say account is paid and profit loss while another says charge off and the 3rd bureau information is omitted According to Law 15 U.S.C 1692C you have violated my rights in lawful communications please remove this collection off my credit report thank you

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 2025-06-18 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: CA

Complaint narrative:
After reviewing my Experian credit report i see accounts that aren't mines and must be on there due to identity theft. Here are the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-18 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: ND

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
RE : Formal Dispute Under FCRA 611 / 623 / XXXX XXXX Compliance To Whom It May Concern : This letter is a formal request for an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. I have reviewed my credit report and identified numerous entries that are inaccurate, incomplete, or unverifiable, which constitutes violations under FCRA Sections 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). 
Below are the disputed account with supporting legal reasons for each. I request immediate deletion or full investigation based on the data furnishers inability to maintain factual accuracy. 
MIDLAND CREDIT MANAGEMENT ORIGINAL CREDITOR XXXX  XXXX XXXX. XXXX XXXX XX/XX/XXXX Balance : {$2000.00} This account was listed as a collection without validation or assignment letter from XXXX XXXX. Under the CFPBs XXXX Consent Order against Midland, they are forbidden from reporting unverifiable debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-19 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-19 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: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
I am submitting this complaint against Equifax for reporting false, outdated, and misleading information on my credit file regarding a collection account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account has been inactive since XX/XX/XXXX, yet Equifax continues to report it as : An " Open Account '' ( which is inaccurate for a collection ), With a payment status of " 120 Days Late '' as of XX/XX/XXXX, and A past due balance of {$800.00}, contradicting the fact that no payments or activity have occurred since XXXX. 

These errors violate several provisions of the Fair Credit Reporting Act ( FCRA ) and misrepresent the current state of the debt : Inaccurate Payment Status Reporting " 120 Days Late '' with no activity since XXXX violates FCRA 1681e ( b ) ( inaccurate and outdated reporting ).

Mislabeling Account as Open Collection accounts should be reported as Closed or Transferred, not Open.

FCRA 1681e ( b ) : Misrepresentation of account type.

Failure to Reinvestigate Upon Dispute I have disputed this with Equifax, and they failed to validate or correct the errors.

FCRA 1681i ( a ) : Duty to reinvestigate.

No Proof of 1099-C Cancellation There is no indication that the debt has been canceled as required under IRS XXXX XXXX + FCRA 623. 

Additionally, the FTC Report # XXXX was submitted detailing these violations. The ongoing presence of these errors is harming my credit profile, reducing my financial opportunities, and constitutes systemic noncompliance by Equifax. I respectfully request that the CFPB enforce correction or deletion of this account and investigate Equifax for continued failure to follow FCRA and federal reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
XXXX XXXX {$210.00} XXXX XXXX {$200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried to resolve by going up to the location of these company 's and asking why is this still being a hit on my credit report. However, with those loans being a Payday Loan, they knew by putting a inquiry and keeping it on the report after XXXX  years has kept me from getting certain things to help aid my life. Nevertheless, I have increase my credit score and this has still been a on going problem.

Company response to consumer: Closed with explanation