vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my credit report and unauthorized inquiries conducted by various entities. These inaccuracies are negatively impacting my creditworthiness and constitute violations under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Incorrect Address : My report lists addresses that do not belong to me, including XXXX XXXX XXXX, XXXX, NJ XXXX. 

Erroneous Account Reporting : XXXX XXXX Date Opened : XX/XX/XXXX, High Credit : {$0.00}, incorrectly reported as Charge Off. 

Unauthorized Credit Inquiries : Multiple hard inquiries have been recorded without my consent : 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  ) I request that the CFPB investigate these issues promptly, ensure that all inaccuracies are corrected or removed, and that unauthorized inquiries be expunged from my credit report. Additionally, I request written confirmation of the actions taken. 

This matter is urgent, as these errors directly affect my financial standing. I expect that the credit reporting agencies and creditors involved will comply with federal regulations and resolve this matter without 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 2025-10-15 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: MI

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EdFinancial Services
State: NJ

Complaint narrative:
XXXX XXXX reported XX/XX/XXXX {$2200.00} Reported balance XXXX balance You've paid off XXXX % of this loan {$1700.00} Checking for errors? Review your full report details. If you find any issues, we can help. 
Report info VHighest balance Monthly payment Opened Term Account Details {$1700.00} {$51.00} XX/XX/XXXX ( XXXX yrs, XXXX mos ) 61 months ( 5 years ) PAYMENT HISTORY You've made XXXX % of payments on time XXXX XXXX XXXX X XXXX XXXX XXXX Current X Late Unknown A Derogatory Last payment Payment status Worst payment status XX/XX/XXXX XXXX days late XXXX days lateACCOUNT DETAILS Account status Open Type XXXX XXXX XXXX Individual Remarks - Times XXXX days late XXXX INXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Sesame, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I made a transaction of {$8000.00} from my XXXX  into my XXXXXXXX XXXX XXXX  account and everything was successful until on XX/XX/year> when I tried checking my account only to find out its been closed with out my notice and I reached out to them to refund the money back into my account or send me a check but they said they cant that I should call my bank to recall the money back and I reached out to my bank to recall the money back but my bank said once the money is delivered it cant be returned for if its against there policy and I reached out to credit sesame but they keep on insisting that my bank should call for a refund even after telling them what my bank said

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To : XXXX XXXX  Equifax Information Services, LLC Subject : Cease and Desist Communication Notice Pursuant to 15 U.S.C. 1692c ( c ) Account No. : XXXX To Whom It May Concern, This letter serves as my formal cease and desist request under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am instructing XXXX XXXX  and the consumer reporting agencies listed above ( XXXX, Equifax, and XXXX  ) to immediately cease all communication with me regarding the above-referenced account. 

Under federal law, once this written notice has been received, you are prohibited from contacting me further about this matter, except to : 1. Inform me that your collection or reporting efforts are being terminated ; or 2. Notify me that specific legal remedies may be pursued.

Any communication beyond these limited exceptions will constitute a violation of federal law.

Additionally, I request that the credit reporting agencies verify the accuracy of any information being furnished by XXXX XXXX  and cease the reporting or re-reporting of any unverifiable or disputed account information associated with this account. 

Please provide written confirmation that you have received this notice and that you will comply fully with my request in accordance with the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX Account No. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MA

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

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: Loqbox US Inc
State: VA

Complaint narrative:
I filed a dispute regarding the accounts attached to this report. After reviewing my credit report and the furnishers response, I found that the account continues to be reported without full Metro 2 compliance.

Specifically, key data fields required under the Metro 2 format are missing or incomplete ( including Date of First Delinquency, ECOA Code, Account Type, Terms Duration, and Open/Close Dates ). Additionally, there is evidence suggesting possible re-aging or manipulation of account dates to extend its reporting duration, which violates FCRA 623 ( a ) ( 5 ).

The furnisher has not provided proof of ownership or permissible purpose to continue reporting this account under FCRA 604, nor documentation verifying the accuracy of the data as required by FCRA 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: SC

Complaint narrative:
Good afternoon, I have a complaint for XXXX of your very unprofessional unhelpful employees that calls themselves a XXXX. I have called and asked many times for multiple ways of obtaining information about my account. And instead of helping she kept sending me online. However going online did not help. And I did let her know that as well. She hung up on me multiple times. And screamed and hollered as well. I asked for her supervisor/mgr she denied me of doing so. Before hanging up she also threatened me by stating something that I did not say, Ill document your refusal however I never said I refused I simply asked for documentation. I no longer live in Texas I never received this information. As a creditor you r company should consider whom you hire as management coming from someone in management myself. Upon calling I hear her talking about her hanging up in the background and all while speaking to another agent that confirmed it was her loudly speaking about it, and her denying it was her I already spoke to. Ive reached out to your company and tried to figure out whats next I look forward to hearing to someone with more sense because this is highly unacceptable Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reporting inaccurate and fraudulent information on my credit report. I have discovered multiple accounts listed as collections, charge-offs, and a repossession that do not belong to me and/or were opened without my knowledge or authorization. These accounts are negatively impacting my credit profile and are being reported inaccurately. 
The accounts in question include XXXX  - {$740.00} - XX/XX/XXXX, XXXX XXXX XXXX - {$620.00} - XX/XX/XXXX, XXXX XXXX - {$600.00} - XX/XX/XXXX, XXXX  XXXX XXXX  - {$220.00} - XX/XX/XXXXXXXX XXXX XXXX XXXX - {$240.00} - XX/XX/XXXX, XXXX XXXX  - {$800.00} - XX/XX/XXXX, XXXX XXXX  - {$11000.00} - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX. I am disputing these accounts directly with the credit bureaus as well. I am requesting that the CFPB assist in investigating these matters and require the companies involved to provide full validation of these accounts. If they can not provide proper proof of my responsibility, I am asking that these accounts be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
My mother passed away in XX/XX/year> after suffering from an unknown illness for several years. While cleaning out her house after her passing I found a billfold full of over ten credit cards taken out in my name without my knowledge or consent. My guess would be that the mounting medical bills forced her into a continuous hole of debt as she was able to work less and less. She was probably hoping she could eventually get these paid off before I would notice or impact me in any serious way. Unfortunately she was never able to recover and has now left behind a financial mess. In early XXXX I began calling the list of credit cards to report the fraud situation. All gave the same general answer that they would begin an investigation and get back to me within 30-60 days. So far several have been very understanding while a handful have not. One of those that have been very difficult is XXXX XXXX XXXX  XXXX. with the case now being picked up by Midland Credit Management who have completely denied XXXX separate fraud cases leaving me with a bill of over {$5000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Request to Delete Previous Addresses and Retain Current Address I am writing to request that you delete all previous or incorrect addresses from my credit report and retain only my current and verified address listed below. Having inaccurate or outdated personal information on file may lead to confusion or incorrect reporting of my credit history.

Current Address ( Keep This ) : XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Previous / Incorrect Addresses ( Delete These ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA 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 2025-10-16 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: PA

Complaint narrative:
Subject : Request to Delete Previous Addresses and Retain Current Address I am writing to request that you delete all previous or incorrect addresses from my credit report and retain only my current and verified address listed below. Having inaccurate or outdated personal information on file may lead to confusion or incorrect reporting of my credit history.

Current Address ( Keep This ) : XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Previous / Incorrect Addresses ( Delete These ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered multiple fraudulent accounts and hard inquiries that appeared on my credit reports in XXXX, XXXX, and XXXX of XXXX, and XXXX of XXXX. These accounts and inquiries were not authorized by me and are the result of identity theft. 

I submitted written disputes to Experian, TXXXX XXXX XXXX XXXXder 15 U.S.C. 1681c-2, which allows consumers to block fraudulent information resulting from identity theft without requiring a police report. I provided all supporting documentation, including proof of identity and address. 

Despite my valid dispute and documentation, the fraudulent accounts and inquiries remain on my credit reports, negatively impacting my credit standing. I am requesting that these items be promptly blocked and deleted in accordance with federal law. 

Experian Fraudulent Account : XXXX XXXX Account Number : XXXX Fraudulent Hard Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Service XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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

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 2025-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX I received an email from PayPal saying I owe them {$300.00} from a double credit they said I received. I only received XXXX {$300.00} payment reversal back into my bank account on XX/XX/XXXX. Called many times to straighten this out, but with no success. I asked when this extra {$300.00} credit was sent and they said it occurred on XX/XX/XXXX, so on XX/XX/XXXX I sent them my bank statements from XXXX thru XXXX, by fax to their Negative Balance Dept. proving there was no such transaction. Nothing was fixed so I called again and asked for documentation from them proving this transaction took place. All they sent was a letter that was the same info I received in that email I received on XX/XX/XXXX. So again I faxed my bank statements from XXXX on XX/XX/XXXX to show again there was no extra {$300.00} credit ever being deposited into my bank account. Nothing resolved so I had an attorney send a letter explaining they can not justify this debt and need to correct this or I am taking legal action. I sent a copy certified mail on XX/XX/XXXX and was received on XX/XX/XXXX. Nothing resolved. My PayPal account still has the negative balance and I have received no communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Global Lending Services LLC
State: MD

Complaint narrative:
The car loan was written off as a charge off as a write off but is reported through XXXX  as XXXX past due as of XX/XX/year>. There are multiple instances of charge off being reported from XX/XX/year> until XX/XX/year> through XXXX  ; from XX/XX/year> to XX/XX/year> through XXXX  ; and from XXXX XXXX XXXX to XX/XX/year> through XXXX. I have contacted the company via fax disputing the matters and have since received no reply. I have requested the original signed contract a loan agreement as well as complete payment history and documentation proven that XXXX XXXX XXXX had legal authority over the account at the time of the charge off. The company informed me that there was a XXXX on file I requested my copy and I received no compliance. I received calls with an attempt to collect as recently as XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 2025-10-16 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: GA

Complaint narrative:
Student loan by XXXX is showing up as late by 120 days but my loan is actually on XXXX. 
I have also paid my account in XXXX but that didnt help. 
I request my student loan situation be cleared. XXXX is not reachable and every month my debt is getting late.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> To XXXX XXXX XXXX XXXX Equifax Information Services, XXXX Subject : Cease and Desist Communication Notice Pursuant to 15 U.S.C. 1692c ( c ) Account XXXX. : XXXX To Whom It May Concern, This letter serves as my formal cease and desist request under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I am instructing XXXX XXXX XXXX and the consumer reporting agencies listed above ( TransUnion, Equifax, and XXXX ) to immediately cease all communication with me regarding the above-referenced account. 

Under federal law, once this written notice has been received, you are prohibited from contacting me further about this matter, except to : XXXX. Inform me that your collection or reporting efforts are being terminated ; or XXXX. Notify me that specific legal remedies may be pursued.

Any communication beyond these limited exceptions will constitute a violation of federal law.

Additionally, I request that the credit reporting agencies verify the accuracy of any information being furnished by XXXX XXXX XXXXXXXX and cease the reporting or re-reporting of any unverifiable or disputed account information associated with this account. 

Please provide written confirmation that you have received this notice and that you will comply fully with my request in accordance with the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX Account XXXX. : XXXX

Company response to consumer: Closed with explanation