vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXXXXXX XXXX  XXXX 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 ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TN

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 explanation
Consumer complaint received 2025-06-12 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This debt collector attempted to collect money from me even though I didnt have any business with them. Then I requested documents to validate the debt however they failed to provide me any evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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 recently sent over a dispute. XXXX never provided me with validation of who they spoke with to validate accounts and the original contract of account. 

This letter serves as my third formal dispute regarding inaccurate and inconsistent information being reported on my credit file. I have previously submitted disputes to both the credit bureau and the original furnisher, yet no satisfactory resolution has been provided. 

The account in question is being reported inaccurately to two of the three major credit bureaus, while not appearing at all on the third, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). This law mandates that all information furnished to consumer reporting agencies must be reported with maximum possible accuracy. 

Reporting an account to some, but not all, credit bureausespecially with differing or incomplete informationraises concerns about the accuracy and integrity of the data being supplied. This inconsistency misrepresents my creditworthiness and results in unfair treatment by potential lenders or creditors. 

Furthermore, under 15 U.S.C. 1681i ( a ), once a consumer files a dispute, the credit reporting agency is required to conduct a reasonable reinvestigation and correct or delete any information that can not be verified. Despite this requirement, no proper documentation ( such as the original agreement or legally valid proof of account ownership ) has been provided to substantiate the reporting.This is my final attempt. Next I will file a lawsuit under the Fair Credit Reporting Act ( FCRA ) if the inaccurate information is not corrected within a set period ( typically 1530 days ) .If account is not deleted within 10 days I am going to attempt to file a lawsuit with the general attorney office and sue for violating my rights and misuse of my credit report. 

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 2025-06-12 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: NY

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRET

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 2025-06-12 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: NY

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRET

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRET

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 2025-06-12 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report please remove these accounts they are hurting my ability to obtain credit.

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 2025-06-12 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: CA

Complaint narrative:
On XX/XX/year>, Experian properly removed the XXXXXXXX XXXX account from my credit file after receiving and processing a complete Identity Theft Report, which included : A formal cover letter outlining the dispute, An FTC Identity Theft Report, A clear copy of my valid XXXX passport, and A recent utility bill to verify my identity and address. 

These documents were submitted in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ), which mandates that a consumer reporting agency block identity theft-related information from a credit report within XXXX ( XXXX ) business days upon receiving proper documentation and a police/FTC report. 

Despite this, on XX/XX/year>, Experian reinserted the XXXX XXXX  account back into my credit report without notice, violating the reinvestigation and notification requirements outlined in FCRA XXXX ( a ) ( XXXX ) ( B ) ( ii ). Experian failed to notify me in writing within XXXX business days of reinsertion, which is required by law, nor did they certify the accuracy or provide the name of the furnisher revalidating the information. It is also relevant that XXXX XXXX : Accepted my full payment, Never returned those funds, Yet still alterations were made to the account without authorization and the account citing non-payment, which further supports this account 's status as fraudulent and/or improperly reported. 

I request the CFPB to investigate this identity theft reinsertion violation and issue appropriate regulatory review of Experians conduct. 

Thank you for your urgent attention to 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
Nissan Motor Acceptance Company ( NMAC ) XXXX XXXX XXXXXXXX XXXX, TX XXXX IMMEDIATE DEMAND TO CEASE COLLECTION AND REMOVE INVALID ACCOUNT ACCOUNT # XXXX To Whom It May Concern, I am writing in regard to an account you are attempting to collect on related to a vehicle I purchased from [ Name of Dealership or Original Creditor ], which has already been charged off. This debt has no legal basis for continued collection activity or reporting under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Let me be perfectly clear : The original creditor has charged off this debt, and you are now reporting or attempting to collect a balance that is either invalid, inflated, or already resolved. Your presence on my credit report is unjustified and legally questionable. 

I am demanding the following, effective immediately : Remove all records of this account from my credit report with all three major credit bureaus ( XXXX XXXX XXXX ). 

Cease all forms of communication with me by phone, mail, or otherwise, as required under the FDCPA. 

Provide full documentation validating your right to collect on this account, including a copy of the original signed contract, full payment history, and a breakdown of any charges or interest you claim are owed. 

Failure to comply with these demands will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I am also prepared to consult legal counsel for possible claims of defamation, harassment, and violations of my rights under federal law. 

You have 15 days from the date of this letter to respond in writing. If you can not provide the requested proof and remove this from my credit report, I will consider this matter closed and any further action on your part as a willful violation of my rights. 

This is your final warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: OH

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 explanation
Consumer complaint received 2025-06-12 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I'VE SUBMITTED MULTIPLE DISPUTES OVER THE COURSE OF A FEW MONTHS REGARDING THE SAME INACCURATE AND MISLEADING INFORMATION WITH NO METHOD OF VERIFICATION, DESCRIPTIONS OF THE PROCEDURES, ALL OF THE DOCUMENTS RETRIEVED DURING THE INVESTIGATIONS THAT PROVES THE INFORMATION IS ACCURATE, NO VALIDATION OF THE ACCOUNTS, AND/OR AUDIT TRAILS. EQUIFAX IS VIOLATING THE LAWS AND MY RIGHTS AS A CONSUMER. THEY KEEP SENDING ME STALL LETTERS OR STATING THAT IM NOT MYSELF OR CREDIT REPAIR COMPANY. I'VE PROVIDED MY STATE ID, U.S PASSPORT, FTC REPORT, POLICE REPORTS, PROOF OF ADDRESS, GENERAL STATE OF ATTORNEY COMPLAINTS, AND XXXX  COMPLAINTS. EQUIFAX HAS TAKEN LONGER THAN THE 60 DAY TIMEFRAME THEY GET TO INVESTIGATE MY DISPUTES. 

PURSUANT TO 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), EQUIFAX HAS REFUSED AND VIOLATED THE LAW WITH NO PROOF OF A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF INFORMATION.

PURSUANT TO 15 USC 1681i ( a ) ( 7 ), EQUIFAX, MUST PROVIDE WRITTEN DESCRIPTION BY NO LATER THAN 15 DAYS AFTER RECEIVING THIS OR THEY ARE IN VIOLATION OF ANOTHER LAW AND MY CONSUMER RIGHT. 

IF NO PROOF OF INVESTIGATION HAS BEEN SENT WITHIN 15 DAYS, EQUIFAX MUST OBEY THE LAW AND REMOVE THE INACCURATE ACCOUNTS WHICH IS XXXX  ACCOUNT # XXXX AND XXXX XXXX XXXX ACCOUNT # XXXX OR THEY ARE AGAIN VIOLATING THE LAW AND MY RIGHTS. I HAVE KEPT RECORD OF ALL MY DOCUMENTS AND WILL TAKE THIS TO COURT FOR REMEDY IF ERRORS AREN'T FIXED. 

EQUIFAX HAS A LONG HISTORY OF NEGLIGENCE AND A PART OF THE REASON THIS HAS HAPPENED IS BECAUSE OF THEIR NEGLIGENCE IN THE EQUIFAX DATA BREACH WHICH HAS CONTRIBUTED TO ACCOUNTS I'VE HAD TO DISPUTE. I DEMAND THE ACCOUNTS BE BE DELETED AND REMOVED. PURSUANT TO FCRA 605B 15 USC 1681 1681c-2 I AM REQUESTING EQUIFAX BLOCK THIS INFORMATION APPEARING ON MY CREDIT REPORT THATS THE RESULT OF INACCURATE INFORMATION ( XXXX  ACCOUNT # XXXX AND XXXX XXXX  XXXX ACCOUNT # XXXX FROM MY REPORT. EQUIFAX HAS BEEN TAKING ADVANTAGE OF ME AND I AM BUILDING A CASE AGAINST EQUIFAX TO PURSUE LEGAL ACTION AND REMEDY. I LOOK FORWARD TO TAKING THIS TO COURT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed 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 2025-06-12 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:
Reported on my credit file for the following account : Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX late payment date XX/XX/XXXX -XXXX XXXXXXXX XXXX Late Payment date XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Stellantis financial XXXX Late payment date XX/XX/XXXX XXXX XXXX XXXX XXXX Late payment date XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XX/XX/XXXX, XXXX XXXX 90 days past due as of XXXX XXXX  60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX  30 days past due as of XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611, I am exercising my right to demand the deletion of any and all inaccurate, outdated, unverifiable, or incomplete information from my credit report. The reported late payments are materially damaging to my credit profile and do not accurately reflect my payment history. If these derogatory marks can not be 100 % verified with complete and accurate documentation from the original creditor within the legally required time frame, they must be deleted immediately. In addition, under FCRA 623 ( a ) ( 5 ), the furnisher of information must ensure the accuracy and integrity of any data they report. Failure to maintain strict accuracy constitutes a violation of federal law. Moreover, under the Fair Debt Collection Practices Act ( FDCPA ) 807, reporting false or misleading information to a credit bureau may be considered a deceptive practice. Continuing to report these late payments without verified documentation may be seen as a willful act of defamation and negligence. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action under FCRA 616 and 617, which provide for statutory damages for willful noncompliance. Therefore, I demand that all late payments for the above-mentioned account be permanently removed from all credit bureaus records within the legally allotted 30-day investigation period. Please provide written confirmation of the results of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: OH

Complaint narrative:
i am filling a complaint regarding several inaccurate and potentially fraudulent accounts reporting on my credit report. i have disputed these accounts multiple times and each time only received a generic response stating that they were " verified '' without being provided any supporting documentation, signed agreements or evidence of authorization like i have requested multiple times! The following accounts are in question and potentially fraudulent : XXXX XXXX XXXX XXXX balance $ XXXX opened XX/XX/XXXXXXXX XXXX XXXX balance $ XXXX opened XX/XX/XXXX XXXX XXXXXXXX balance XXXX opened XX/XX/XXXX XXXX XXXX balance $ XXXX opened XX/XX/XXXXXXXX XXXX XXXXXXXX balance $ XXXX opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX balance $ XXXX opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX balance $ XXXX opened XX/XX/XXXX Under the FRCA specifically 15 U.S.C . 1681i, I have the right to a reasonable investigation and to be provided with documentation used to verify each account. If noone can supply a signed verifiable contract or document linking me to these accounts they have to be deleted by law! PLEASE INVESTIGATE THIS MATTER AND INSURE COMPLIANCE WITH THE FRCA. I EXPECT EITHER FULL DOCUMENTATION FOR EACH LISTED ACCOUNT OR IMMEDIATE DELETION.

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 2025-06-12 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX/XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX  XXXX  # XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation