vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: MS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-16 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am writing to formally file a complaint against [ Midland Credit Management, XXXX XXXX XXXX ] for violating the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ).

According to this section, consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information they report. Unfortunately, the information currently appearing on my credit report is inaccurate and damaging, and I have reason to believe that [ Midland Credit Management ] has failed to meet this legal obligation.

I have attempted to resolve this issue by disputing it directly with the credit reporting agency, and/or with the furnisher of the data. However, the issue has not been properly investigated or corrected, and the inaccurate information remains.

This failure to ensure accuracy has caused harm to my creditworthiness, including denied credit, increased interest rates, emotional distress, etc. I request that the CFPB investigate this matter and hold [ Midland Credit Management ] accountable for its failure to comply with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my 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 2025-07-16 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXXXXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Collection item previously disputed due to not receiving accurate details needed for validation. Collection was eventually removed and then re-reported at a different date with different amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
PHH bought our mortgage in XXXX, from XXXX. The mortgage due date was XXXX, XXXX, we made the payment on XX/XX/XXXX to XXXX since we had not been informed that the mortgage was sold. PHH was informed of this when I called them in XXXX, and the person I talked to hung up on the call. PHH posted the payment late. Then on XX/XX/XXXX, when I called PHH about how to go about changing my Homeowner 's insurance, they informed me that they never got that information from XXXX and was going to purchase a policy for me and charge me for this! They then asked ME to do THIER work for them, as required under Federal Law, " Real Estate Settlement Procedures Act ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX - Account not mine XXXXXXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXX  - Account not mine XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXX XXXXXXXX - Account not mine XXXXXXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXXXXXX XXXX Account not mine XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: KY

Complaint narrative:
( Transunion ) XXXX XXXXXXXX XXXX  Account : XXXX Balance : XXXX ( XXXX  ) XXXX XXXX XXXX  Account : XXXX XXXX According to the FCRA all accounts on my credit report must be accurate and this information is inaccurate and must be deleted, FCRA guideline according to 15 USC 1681i ( 7 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FIRST NATIONAL BANK OF OMAHA
State: MS

Complaint narrative:
Dear XXXX, This letter serves as a formal dispute of unauthorized hard inquiries appearing on my XXXX credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Upon reviewing my credit file, I identified the following inquiries which I did not authorize and for which no permissible purpose exists under FCRA 604 ( 15 U.S.C. 1681b ) : XXXX  XXXX, XXXX, 2025 First National Bank of Omaha ( FNBO ) XXXX XXXX, 2025 I have never applied for credit with these entities, nor have I granted them permission to access my credit report. Under FCRA 604 ( a ), a consumer reporting agency may only furnish a consumer report under specific circumstances, none of which apply here. Therefore, these inquiries constitute an unauthorized access to my personal credit information and a clear violation of federal law.

I am demanding the immediate deletion of these inquiries from my Experian credit report pursuant to FCRA 611 ( 15 U.S.C. 1681i ), which requires you to conduct a reasonable reinvestigation of disputed information and correct or delete any information found to be inaccurate or unverifiable within 30 days.

Failure to remove these unauthorized inquiries will constitute willful noncompliance with the FCRA under 616 ( 15 U.S.C. 1681n ) and/or negligent noncompliance under 617 ( 15 U.S.C. 1681o ), for which I reserve my right to pursue all available legal remedies including statutory damages, actual damages, punitive damages, and attorneys fees.

Please provide me with written confirmation of the results of your investigation and updated credit report reflecting the removal of these inquiries within the required time frame.

This is a formal demand for compliance. Your prompt attention is expected. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MS

Complaint narrative:
Dear XXXX, This letter serves as a formal dispute of unauthorized hard inquiries appearing on my XXXX  credit report, i

n violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Upon reviewing my credit file, I identified the following inquiries which I did not authorize and for which no permissible purpose exists under FCRA 604 ( 15 U.S.C. 1681b ) : Discover XXXX, XXXX, 2025 XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/year> I have never applied for credit with these entities, nor have I granted them permission to access my credit report. Under FCRA 604 ( a ), a consumer reporting agency may only furnish a consumer report under specific circumstances, none of which apply here. Therefore, these inquiries constitute an unauthorized access to my personal credit information and a clear violation of federal law.

I am demanding the immediate deletion of these inquiries from my XXXX  credit report pursuant to FCRA 611 ( 15 U.S.C. 1681i ), which requires you to conduct a reasonable reinvestigation of disputed information and correct or delete any information found to be inaccurate or unverifiable within 30 days.

Failure to remove these unauthorized inquiries will constitute willful noncompliance with the FCRA under 616 ( 15 U.S.C. 1681n ) and/or negligent noncompliance under 617 ( 15 U.S.C. 1681o ), for which I reserve my right to pursue all available legal remedies including statutory damages, actual damages, punitive damages, and attorneys fees.

Please provide me with written confirmation of the results of your investigation and updated credit report reflecting the removal of these inquiries within the required time frame.

This is a formal demand for compliance. Your prompt attention is expected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
I submitted a direct dispute to GM Financial regarding an account on my credit report ( Account # XXXX ). I specifically requested an itemized breakdown of the {$7700.00} balance that remained after a voluntary repossession. 

In their response dated XX/XX/year>, GM Financial stated the information was accurate but did not provide any documentation or breakdown to validate the balance, which violates FCRA 609 and 611.

Additionally, the account is being reported inconsistently across credit bureaus. XXXX  reports it as a charge-off, while XXXX  lists it as an open account. This creates confusion and misrepresents my creditworthiness.

I am requesting that GM Financial either fully validate the debt with proper documentation or correct/remove the account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CO

Complaint narrative:
My repeated requests to correct and remove false and inaccurate information from my credit report have continuously been denied or disregarded. As a consumer, I am fully aware of my rights under the law, and I believe those rights are being violated by the reporting of information that does not meet the standard of maximum possible accuracy. This ongoing issue is unfairly damaging my credit score and negatively affecting many aspects of my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CT

Complaint narrative:
I have made payments on my credit card with XXXX XXXX  time through auto pay for years. For some reason auto pay was taken off. i spoke to customer service and the manage about this situation Ive had multiple conversations on a recorded line with them walking me through setting up auto pay. They told me they will review the call and call me back. i had to reach out again 2 weeks later and they told me they review it but cant send me proof and the late payment stands

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CT

Complaint narrative:
I have made payments on my credit card with XXXX XXXX  time through auto pay for years. For some reason auto pay was taken off. i spoke to customer service and the manage about this situation Ive had multiple conversations on a recorded line with them walking me through setting up auto pay. They told me they will review the call and call me back. i had to reach out again 2 weeks later and they told me they review it but cant send me proof and the late payment stands

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am attempting to obtain my Experian credit report. I requested it through the free credit report site and received a letter from Experian stating that they could not verify my identity and were denying my request.

I called Experian and was consistently denied the information by the automated system after providing valid information. There were no options to speak to a representative. Most calls had static and the automated system claimed it could not understand my simple yes/no responses.

I visited the Experian website. Even though I HAD created an account with Experian at some time in the past, their system appeared to not recognize my login credentials. I created a new free account, and after supplying all the required identifying information, was presented with a screen announcing there was a server failure and my request had been cancelled.

I have now spent an hour trying to obtain a credit report that Experian is required to send me by law.

All of this to correct inaccuracies in their reporting which are causing me financial distress. I will address those in a future complaint should Experian continue to give me the " technical runaround ''.

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