vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I RECENTLY RECEIVED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT. I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS IM IN THE PROCESS OF BUYING A NEW HOME FOR MY FAMILY. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE. 
I HAVE UPLOADED MY IDENTITY THEFT REPORT AND MY PERSONAL DOCUMENTS BELOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXXXX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , remove 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXXXX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NM

Complaint narrative:
Im writing in regard to an account currently listed on my credit report. Im requesting that you certify all the data tied to this account as belonging specifically and solely to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
1. Electronically signed - can they prove it was was me that I signed it 2. Fees associated in ledger as trash violations and cleaning fees? - do they have pictures and proof that follow along with all those fees of the cleaning and damages?

3. Since I have a Joint account in so handbook for trash violation did all parties in the household sign the handbook? I believe not all parties within the home were acknowledged and thats why certain things were violated and can not be enforced due to no signature. Where is the proof ALL parties signed the handbook and proof the actual parties actually signed the agreement since it was electronically signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I purchased the XXXX XXXX XXXX from XXXX 's Used Car Lot in XXXX, MD XX/XX/XXXX. I was approved for a loan with XXXX XXXX for {$15000.00}. The day I left the lot with the vehicle I started to hear a clicking/knocking noise in the engine. I came back the next day to XXXX 's and asked about the noise. XXXX 's told me that it is nothing to worry about most likely it is just the XXXX vent making noise and it will not affect the vehicle. I still felt like there was something wrong, but I just trusted what XXXX 's told me about the vehicle. The noise did not go away and recently the check engine light came on. I decided to go the XXXX dealer since I am covered by the warranty. The XXXX dealer told me that the XXXX in the engine is broken and needs to be replaced that is what the noise I was hearing is about. I believe XXXX 's was wrong in selling me a broken car and not being honest about what was wrong with it. The warranty company decided that they are not responsible in replacing the XXXX part of the engine which I am covered for. I decided to voluntary surrender the car because I don't think it is fair that I have to lay out the money to fix the car when it is the responsibility of the warranty company. XXXX XXXX XXXX, XXXX is the warranty company. The loan company XXXX XXXX said they will pick up the car and sell it at auction and that I am responsible for the balance. I feel the contract for the loan should be void because I was sold a broken car which is supposed to be covered under warranty.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
I signed up for Flex through my apartment complex 's rent portal to split my monthly rent into two payments. The service was marketed as a convenience feature and not clearly identified as a third-party credit product issued by a bank and managed by a fintech intermediary . Rent payments are not typically reported to credit bureaus, and no upfront indication was given that this service would impact my credit.

I was prompted to enter my SSN during the onboarding process. The language provided was : " Connect to your credit profile. Flex needs access to your credit profile in order to offer you a credit line. This step will not affect your credit score. '' This phrasing implied that there would be no meaningful or lasting credit impact. Flex did not clearly disclose that unlike typical rent payment arrangements, a tradeline would be reported to XXXX by default.

Without clear, informed consent, Flex created a tradeline and reported it to XXXX. I canceled the service on XXXX XXXX and have since requested that the tradeline be removed from my credit report. Flex refused, stating that they are not obligated to remove accurate information. However, their marketing and onboarding process were misleading, and I was not given a clear opportunity to opt out of credit reporting upfront.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus XXXX take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
This formal complaint is made under the authority of FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion block and delete the following fraudulent accounts from my credit file within four business days of receiving this submission. These accounts were fraudulently opened and are being incorrectly reported as part of my consumer credit history. 

The fraudulent items that must be removed are : An auto loan account with XXXX opened on XX/XX/year>, with a balance of {$25000.00} Additionally, I am disputing the legitimacy of these accounts under FCRA Section 611 ( 15 U.S.C. 1681i ) and am demanding a complete reinvestigation. As part of this process, TransUnion must provide me with the specific verification procedures used and any supporting documentation that was relied on to report these items as accurate. If such evidence can not be produced, these accounts qualify as prima facie fraudulent reporting and must be eliminated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: NJ

Complaint narrative:
I continue to receive to letters from GB Collects in the amount of {$620.00}. I have sent them a certified letter requesting to cease & desist with this attempt at collecting. They continue to ignore my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Round Up Ventures, L.P.
State: OH

Complaint narrative:
3 payments were made to the account on XX/XX/XXXX that could've been forwarded dated which would have kept the payments on track after those payments there were no payments due on the account when payments were so I restarted the payments .. by XX/XX/XXXX the account should've been paid down to XXXX they kept saying I had a balance of XXXX which shouldn't have been there .. they reported me late 3 times to the credit bureau and then did a write off for XXXX sent it to a collection agency and then told me I didnt have good performance with them which isnt true. I have sent multiple emails to the company regarding this issue and never recvd a response and their online portal has not been fixed and neither has my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: NC

Complaint narrative:
I am sending to formally dispute inaccuracies in my credit report and to demand compensation for your companys repeated violations of the Fair Credit Reporting Act ( FCRA ). Similar to the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, I am deeply concerned that Equifax has also failed to properly investigate consumer disputes and may have improperly reinserted inaccurate information on consumer reports.

Violations Similar to Those Cited by the CFPB The CFPB 's lawsuit against XXXX  highlighted practices that are consistent with issues I have experienced with Equifax, including : Conducting sham investigations : Equifax, like XXXX, fails to properly address consumer disputes by relying on flawed intake procedures and uncritically accepting responses from furnishers, even when unreliable. 
Improper reinsertion of inaccurate information : Equifax has reintroduced previously deleted inaccurate information on consumer reports without explanation, potentially due to inadequate matching tools. 
Failure to notify consumers adequately : Equifax provides notices to consumers that are vague, ambiguous, or incorrect, failing to properly communicate investigation results. 
These practices undermine consumer rights and can significantly harm access to credit, employment, and housing. 

My Dispute I have identified the following inaccuracies in my Equifax credit report that require immediate correction : ACCOUNTS XXXX XXXX XXXXXXXX - XXXX * * * * - According to my records, I have never been late on this account. It appears that there are reports of XXXX or XXXX  days late without a preceding XXXX or XXXX days mark, which is a significant error. Please thoroughly investigate all records and verify the accuracy of all details, including address, name spelling, etc. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), please remove all negative marks associated with this error. 

Despite my previous efforts to address these errors, they persist, and I suspect improper practices by Equifax, TransUnion have contributed to their continued presence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: AL

Complaint narrative:
I am filing a complaint to formally request the removal of an item currently associated with my name and/or records. After thoroughly reviewing my files, I have identified the following item as needing correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$22000.00} XXXX XXXX/2024 XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX/2024 XXXX XXXX XXXX/2024 XXXX XXXX2024 XXXX XXXX/2024 XXXX XXXX XXXX/2024 XXXX XXXX/2024 XXXX XXXX2024XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: AL

Complaint narrative:
I am filing a complaint to formally request the removal of an item currently associated with my name and/or records. After thoroughly reviewing my files, I have identified the following item as needing correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$22000.00} XXXX XXXX/2024 XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX/2024 XXXX XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX/2024 XXXX XXXX XXXX/2024 XXXX XXXX2024 XXXX XXXX/2024 XXXX XXXX XXXX/2024 XXXX XXXX/2024 XXXX XXXX2024XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Upon reviewing my XXXX XXXX account I seen a XXXX collection for {$1700.00} owed to Midland Credit Management XXXX. I have no knowledge of this debt and have never received any goods/services from Midland Credit Management XXXX and would like for this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief