vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Report Entries under 15 u.s.c. 1681 EB and 15 u.s.c 1681 I5 A To Whom It May Concern, I am writing to formally dispute inaccurate and outdated information on my XXXX  credit report ( File Number : XXXX ), dated XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 u.s.c 1681 EB and 15 u.s.c 1681 I5. I am exercising my right to request a reinvestigation and deletion of the following items, which I believe are incomplete, inaccurate, or unverifiable.

The items in question are : 1. XXXX XXXX  - Account # XXXXXXXX XXXX XXXX Status : Reported multiple delinquencies and 120+ day past due history which I dispute as inaccurate. 
Request : Please delete this account and all inaccuracies immediately. 
2. XXXX XXXX - Account # XXXXXXXX XXXX XXXX Status : Repeated 120-day delinquencies followed by charge-off with continued reporting of a balance that is inconsistent. 
Request : Please delete account as the continued reporting of this charge-off is inaccurate and misleading. 
3. XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX  Status : Account reflects a prolonged charge-off status with inconsistent balances despite being closed. 
Request : Please delete due to discrepancies in reporting and the account outdated status. 
4. XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX Status : Marked as a collection and listed as Account Paid in Full but still reflected under adverse information. 
Request : Please delete this entry entirely, as paid collection accounts should not be adversely weighted. 

Under 15 U.S.C. 1681 EB, credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Moreover, under 15 U.S.C. 1681 I5, I am entitled to a timely reinvestigation and deletion of any information that can not be verified as accurate.

Promptly delete the information and update my account as soon as possible. If the information can not be verified, I request its prompt deletion from my credit file.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: MD

Complaint narrative:
I am filing this complaint to dispute XXXX hard inquiries that were made to my credit report by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/year> XXXX XXXX  ( XXXX  ) on XX/XX/year> I applied for credit with these institutions in good faith. However, I was not extended any form of credit, approval, or account, and I believe these hard inquiries should not remain on my credit report as they serve no valid purpose and negatively impact my credit profile. 

According to the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be recorded when credit is extended or a permissible purpose exists with proper authorization. Since no credit was granted, I respectfully request that these financial institutions delete the hard inquiries from my credit report.

These inquiries may also constitute a violation of FCRA Section 604 ( 15 U.S. Code 1681b ), which governs permissible purposes for obtaining consumer reports. Without resulting credit or continuing business relationship, there is no justifiable reason to maintain these inquiries.

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 2025-06-09 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: IL

Complaint narrative:
The items listed below are reported on my credit file and were found in my reports with the credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or valid proof that I opened, authorized, or created this. Since this is a strict violation of FCRA laws, I need the items removed from my file. 
XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00}

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 2025-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Recovery Management
State: AL

Complaint narrative:
Explanation ( Legal Basis for Dispute ) : I dispute the validity of this debt on multiple legal grounds. First, any agreement allegedly signed was done under duress, which under contract law renders it void or voidable. A contract entered into under coercion, pressure, or without free will is not legally binding ( see Restatement ( Second ) of Contracts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ). 

Second, there was no clear disclosure of the amount to be charged prior to services, violating the requirement for informed consent and transparency in billing. This lack of disclosure constitutes a deceptive practice and may violate state consumer protection statutes such as the Truth in Lending Act ( TILA ) or relevant Health Care Fair Billing Acts, depending on jurisdiction. A contract lacking mutual assent on price is unenforceable. 

Third, I never entered into any agreement or business with XXXX XXXX XXXX, and therefore I do not owe them any debt. There is no privity of contract between me and XXXX, and under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., it is unlawful for a debt collector to attempt to collect a debt that is not owed. Attempting to enforce a void or fraudulent debt constitutes a violation under 1692e ( false representation ) and 1692f ( unfair practices ). 

Finally, since the original provider was XXXX XXXX, and I dispute the legitimacy and amount of any alleged obligation to them, any assignment or sale of the supposed debt to XXXX does not cure these foundational defects. 

I demand immediate cessation of all collection activity and removal of this account from any and all reports under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland credit management says they purchased a loan from XXXX XXXX. On my credit report XXXX XXXX XXXX has reported the account with a XXXX balance as written off. Midland credit management however, is reporting to the credit bureaus that this account has a balance of {$2700.00} with the most recent date being XX/XX/XXXX. 
They tried to sue me for this account back in XXXX when I was awaiting XXXX  XXXX approval and had XXXX income. My cousin was letting me crash on her couch & I started receiving XXXXXXXX XXXX XXXX. I gave them proof of this, including my babk statement showing I had less than {$20.00}. I sought free legal advice and was told that I was judgement proof. I relayed this to them, I filled out their permanent hardship paperwork. I spoke again with them and they verified I did qualify for permanent hardship, yet they are reporting to all XXXX credit bureaus a balance of {$2700.00} with a XX/XX/XXXX update. They keep reaging it every month. I've had XXXX more hospitalizations since they said I qualified for permanent hardship, XXXX being critical and I can't even afford all my medication. They are just making the stress worse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: NH

Complaint narrative:
I reviewed my consumer reports and noticed that i had 6 late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late and those are close account. Thanks! Please see screenshot attached :

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 2025-06-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Been submitting disputes to Macy 's for removal of unverifiable late payment status to XXXX Credit reporting agency but to no avail. XXXX  persistently reports up to this writing the inaccurate information but to no avail.

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 2025-06-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I requested that XXXX XXXX XXXX provide documented proof of permissible purposes pursuant to 15 U.S.C 1681b ( f ) for the inquiry that appeared on my consumer report, including a signed authorization of application and a statement verifying the lawful basis for accessing my credit file. I gave them 15 days to respond which they failed to do. Only after the inquiry was deleted did they send a response, and they still did not provide the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: AR

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$180.00}

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 2025-06-09 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: AR

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$510.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
b'I have been disputing the account ( XXXX XXXX XXXX XXXX  ) for years with Equifax This account has been filled with numerous discrepancies and errors. Every their investigation have came back verified. I feel that these investigations were not performed thoroughly. Case in point after several of these investigations afterwards I contacted the company in question (XXXX XXXX XXXX) and their policy is to document any information requested by the bureaus and when doing soon they stated they have no record of XXXX requested information. I feel this is a direct violation of my rights under 15 1681  1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs) How can an investigation come back verified when one was never done'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA.

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 

XXXX XXXX XXXXXXXX, 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 2025-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On or around XX/XX/year>, I submitted multiple fraud disputes to PNC Bank totaling {$15000.00} involving XXXX XXXX transactions that were unauthorized and clearly outside my normal spending pattern. Only one dispute a {$750.00} XXXX transactionwas acknowledged and issued provisional credit. The remaining higher-value XXXX XXXX disputes were denied or stalled, despite all being part of the same fraud case. 

I requested a written explanation and provisional credit per Regulation E. Under federal law ( 12 CFR 1005.11 ), PNC is required to provisionally credit the disputed funds if the investigation exceeds 10 business days, unless they issue a written extension notice and resolve the dispute within 45 to 90 days. PNC failed to meet both standards and withheld my funds unlawfully, violating consumer protection laws.

A PNC branch manager, XXXX XXXX, verbally acknowledged that the bank only issued credit on the smallest transaction and could not explain the selective handling of the other three. She offered no written justification and deflected responsibility. I requested policy documentation on this selective dispute process and was denied again.

To date, I have received no resolution or written justification for the missing {$15000.00}. PNC has failed to comply with federal dispute procedures and continues to withhold funds that should have been credited during the investigation.

I am requesting full regulatory review and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
LVNV collections is attempting to collect a variety of bills they claim belongs to me. I have never done business with them and I don't own them any forum of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: EQUIFAX, INC.
State: AK

Complaint narrative:
Yes a debt collection appears on my credit from XXXX XXXX. I requested from Experian to verify the debt and provide documentation that shows the debt is mine. They did not do either. No real investigation was conducted. There is many errors with the report. I have never signed any documents with this company or entered into any agreement with them. They are listed on my credit report with them listed as original creditor. I have asked repeatedly for proof that I owe this debt and nothing has been provided. Experian has violated my rights many times. And I requested that the item be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK

Complaint narrative:
Yes a debt collection appears on my credit from XXXX XXXX. I requested from Experian to verify the debt and provide documentation that shows the debt is mine. They did not do either. No real investigation was conducted. There is many errors with the report. I have never signed any documents with this company or entered into any agreement with them. They are listed on my credit report with them listed as original creditor. I have asked repeatedly for proof that I owe this debt and nothing has been provided. Experian has violated my rights many times. And I requested that the item be removed from my 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 2025-06-09 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: FL

Complaint narrative:
This letter serves as a formal legal notice pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, 1681c-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

* See attachments for referenced accounts I hereby formally refuse to pay the above-referenced debt under FDCPA 805 ( c ). You are prohibited from contacting me any further regarding this account, except to notify me of legal action or cessation of collection efforts.

Effective immediately, you must cease all forms of communication with me regarding this matter, including calls, mail, email, or third-party contact. Any further communication will be considered a violation of federal law and subject to penalties under FDCPA 813. Pursuant to FCRA 604 ( a ), I hereby revoke any and all prior authorizationsexpress or impliedthat permitted you to : 1. Access or furnish my personal identifying information 2. Report any data regarding this account to consumer reporting agencies 3. Transfer or disseminate my personal data to affiliates, credit bureaus, or data brokers This revocation includes any authorizations obtained at the time of the original transaction, especially in cases involving identity theft. You no longer have a permissible purpose to share, furnish, or verify any data associated with this account.

This account was included in a identity theft report filed with the Federal Trade Commission ( FTC ) and My local Police department. Any further data furnishing or collection activity on this account will be considered : 1. Unauthorized access and willful noncompliance under FCRA 616 2. Negligent violation under FCRA 617 3. Unlawful collection activity under FDCPA 807 & 808 You are now on legal notice. Govern yourselves accordingly.

Company response to consumer: Closed with explanation