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: 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: TX

Complaint narrative:
I PROVIDED THE COMPANIES AND FTC REPORT AND CREDIT LETTER STATING ALL OF THE LAWS THEY WERE BREAKING BY REPORTING THE INCORRECT 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 non-monetary relief
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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 GA XXXX ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX BANK - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

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: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This debt was first acquired in XXXX, while I was employed with XXXX and residing in the state of XXXX XXXX. I remember this clearly because it was my first job since XXXX, when I had to stop working due to my son 's diagnosis while I was XXXX I was genuinely shocked and surprised that I was approved for the account, considering my long employment gap at the time. 
Unfortunately, due to overwhelming medical needs, including my son 's final XXXX XXXXXXXX in XXXXXXXX XXXX XXXX, I was unable to make payments on the account during that period. 
I relocated from XXXX XXXXk at the beginning of XX/XX/XXXX and did not begin working again until XX/XX/XXXX XXXX  By that time, the XXXX XXXX account had already been closed out or written off by XXXXXXXX XXXX. As such, there was no active loan or repayment opportunity available to me at that point. I did not make any payments in XXXX, nor in XXXX. 
To my knowledge, I have never made a payment to Midland Credit Management, nor have I had any contact or acknowledged the debt in any way. I only became aware of Midland 's reporting when I reviewed my credit reports. I believe this debt is no longer legally enforceable under applicable state laws and that Midland Credit 's continued reporting and collection efforts may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
b'Dear Experian,\n\nI am writing to formally express my concern regarding your continued failure to update and correct inaccurate information on my credit report, despite having submitted two separate disputes.\n\nThis unresolved issue is now actively hindering my ability to secure housing, as leasing offices rely on your reporting for tenant screening. The inaccurate data, including incorrect account statuses, payment amounts, and other outdated or false information, is misrepresenting my financial responsibility.\n\nI am requesting that you:\n\t1.\tImmediately correct all inaccurate account statuses and balances;\n\t2.\tUpdate all payment information to reflect accurate history;\n\t3.\tRemove any false or unverifiable information from my credit report;\n\t4.\tProvide written confirmation that the corrections have been completed.\n\nThis matter is time-sensitive, and I expect a full resolution in compliance with the Fair Credit Reporting Act (FCRA). Please prioritize this request, as it is directly affecting my ability to secure stable housing for my family.\n\nThank you for your attention to this urgent matter.\n\nSincerely,\nXXXX 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 2025-06-12 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: IN

Complaint narrative:
Under 15 U.S. Code 1681b, no entity may access or pull a consumer 's credit report without a valid, signed authorization and a clearly defined permissible purpose. The following inquiries on my credit report were not authorized by me and were conducted without my knowledge or consent. 

As a confirmed victim of a data breach, this unauthorized access puts my personal information at even greater risk. Your failure to obtain proper legal consent constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). 

If you can not produce verifiable, signed documentation proving lawful authorization for each of these inquiries, you must DELETE them immediately. Continued reporting of these inquiries without proof exposes your company to legal liability. 

List of Unauthorized Hard 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 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  Demand : Immediately DELETE these inquiries from my credit report or provide signed documentation proving legal authorization. Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) for willful noncompliance with the FCRA.

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: Experian Information Solutions Inc.
State: IN

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 XXXX 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: MOHELA
State: TX

Complaint narrative:
On Saturday, XX/XX/XXXX, I paid off the remaining balance of my MOHELA loans. Payment of {$4800.00} was posted on the account per email from the servicer on XX/XX/XXXX. The following months, XXXX through XX/XX/XXXX, received multiple billing statements with a balance of {$0.00}. Beginning XX/XX/XXXX, received a statement that {$25.00} was due. Between XXXX and XX/XX/XXXX, I received multiple emails that the servicer was transitioning to a new online account platform. My assumption is that is when the mistake was made, and I began to receive the bills for {$25.00}. I'm unsure and left to guess because the company only calls to collect. 
The company began contacting me XXXX of XXXX regarding a past due payment via phone and text ; they had tried to reach via email regarding a due payment since XX/XX/XXXX, but I thought it was a mistake. I advised the first female I spoke with via phone that I would not pay it. I had paid off my account and had several statements showing such. The second time they contacted me on XX/XX/XXXX, I spoke with a gentleman. Advised him of the same that I would not pay it because I paid off my account in full in XXXX of XXXX. He stated he would get me to a supervisor ; I waited on hold for XXXX minutes before I hung up. 
No one that has reached out to me has ever tried to pull my statements or resolve my issue without asking for the money that I do not believe is owed to them. I am, now, unable to access my MOHELA account, even when providing my birthdate and social security number. I have all the billing statements regarding this issue in my emails from the company. 
On, XX/XX/XXXX they reported the late payments to the credit bureaus and my credit took a XXXX drop. This is unacceptable. I have disputed through the credit bureaus as well as adding a statement of dispute to the issue. I wanted to report the company, too. 
I think it is important to note that the remainder of my federal loans were all paid on time and were forgive through the Public Student Loan Forgiveness program. These particular loans did not qualify for that program and, therefore, were paid off in full.

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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by Equifax for XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and XXXXXXXX XXXX ( Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Listed below are the accounts I am formally disputing : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute any inaccurate, outdated, or unverifiable information appearing on my credit report. I take the integrity and accuracy of my credit file seriously and am requesting your full cooperation in correcting the following disputed accounts. 

Creditors and data furnishers are required by law to maintain documented evidence supporting any negative information reported. I am requesting all evidence that justifies the delinquency or derogatory status associated with these accounts, including but not limited to : Proof of a signed contract Documentation establishing a permissible purpose under FCRA 1681b Verification that the account information was reported in full compliance with Metro 2 formatting and CDIAs most current Credit Reporting Resource Guide ( CRRG ) The claims reported have caused substantial damage to my financial standing and overall well-being. I challenge your legal right to report this data and demand proof that your reporting methods are fully lawful, ethical, and compliant with federal and state standards.

I demand that you provide : Physical documentation verifying your authority and accuracy in furnishing these details Notarized statements from individuals with first-hand knowledge of the accounts validity Confirmation the account was not claimed as a tax write-off, insurance loss, or otherwise deducted as profit/loss Failure to validate and correct this information within 20 days will result in further legal action. Continued reporting of unverifiable or non-compliant data may be considered a violation of FCRA 1681i and 1681s-2, and may also expose your organization to liability for damages under civil statutes.

If you can not provide lawful evidence, you are required to DELETE the account ( s ) from all consumer reports immediately and cease all reporting activity. Knowingly reporting unverifiable data may also constitute willful noncompliance or harassment.

Please respond in writing to the address below : XXXX XXXX XXXX XXXX XXXX, Texas XXXX If resolved, I will consider the matter closed. If not, I am prepared to escalate this with the appropriate regulatory authorities and pursue further action as necessary.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a complaint regarding an unauthorized credit inquiry that appears on my credit report. I did not authorize or request this inquiry, and I am requesting your assistance in having it removed under the protections provided by the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XXXX XXXX INQUIRES ON DATES XX/XX/2025 AND XX/XX/2025

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX - XXXX XXXX XXXX XXXX XXXX - I demand immediate action regarding the violation of my identity and the fraudulent use of my personal information as stated in 15 USC 1681a ( 3 ).

My identifying information was unlawfully disclosed to another individual without my consent.

- This is theft and has been reported to the FTC- please see FTCreport. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I demand immediate action regarding the violation of my identity and the fraudulent use of my personal information as stated in 15 USC 1681a ( 3 ). My identifying information was unlawfully disclosed to another individual without my consent.

- This is theft and has been reported to the FTC- please see FTCreport. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I demand immediate action regarding the violation of my identity and the fraudulent use of my personal information as stated in 15 USC 1681a ( 3 ). My identifying information was unlawfully disclosed to another individual without my consent.

- This is theft and has been reported to the FTC- please see FTCreport.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

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