vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: CA

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, XXXX XXXX. XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not XXXX XXXX accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a formal complaint against Equifax for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Equifax has allowed unauthorized access to my consumer report, and my file shows hard inquiries that I did not authorize. These inquiries were made without a permissible purpose as required under FCRA 604.

Additionally, Equifax has not provided adequate mechanisms to fully opt out of non-essential data sharing or to restrict third-party access to the maximum extent permitted by federal law. My privacy requests have not been honored, and Equifax continues to furnish data that I did not expressly authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Copper Lake Financial, LLC
State: AZ

Complaint narrative:
They repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. After repossession, I was never given a Notice of Sale or a Deficiency Balance Notice, which are required under UCC 9-611 and 9-614.

This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

I am demanding a full investigation and the immediate removal of this account from all credit reports due to these violations and failure to follow lawful procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Kikoff Inc.
State: GA

Complaint narrative:
I am contacting you to dispute several late payment entries that appear on my consumer report, which I obtained on XXXX XXXX. After reviewing the information, I noticed inaccuracies in the data your bureau has reported. These discrepancies raise concerns regarding potential violations of federal consumer protection laws that govern the handling and reporting of credit information.

I would like to remind your agency of the legal requirements established to protect consumers in credit reporting matters. Under 15 USC 1666 ( b ) and 15 USC 1637a ( a ), the reporting of a late payment on an open-ended credit account is strictly prohibited. Further, 15 USC 1681s-2 ( b ) requires that a consumer provide authorization before any information is furnished about them. I have not provided such permission to XXXX XXXX XXXX Your failure to comply with these standards places my credit profile at risk and compromises the accuracy of my consumer report. Therefore, I am making a formal request for the correction of the following disputed entries : XXXX. XXXX Reported Late on XX/XX/year> & XX/XX/year> I ask that your bureau conduct a complete investigation and update each of the above items to ensure they reflect truthful, verifiable information in accordance with the Fair Credit Reporting Act ( FCRA ). Any information that can not be fully validated must be removed without delay. 
Please provide written documentation outlining the outcome of your investigation, along with an updated version of my consumer report that includes any necessary corrections. This letter represents my good-faith attempt to resolve this issue through appropriate channels. 
I expect prompt attention to this matter to avoid further harm to my credit standing. Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Greetings, I am sending this message in your behalf, regarding the Credit card collection Agency, The Midland Credit Management. I am really concerned about their collection Letter that stating they will send my debt to an Attorney which feels like I'm being harassed. I feel so stressed about their tactics so I can pay them. This collection agency sent me a letter too many times, they even keep calling me on my phone with multiple numbers, which I blocked them most of the time because I am tired of them calling me, and also they are misrepresenting this debt that I owed them of {$2900.00}. Although they bought this debt to XXXX for over a year I don't remember when exactly there is no way I owed XXXX this amount of money and they keep reporting this to the credit bureau and ruin my credit history. I will attach XXXX of their collection letters sent to me. Right now I only relying on my XXXX salary, and because of the growing inflation of our economy, my salary only goes to house payment bills, utility insurance, car payment and food. If you can please help me to solve this matter I want the Midland Credit Management to stop harassing me either by phone or collection letter and if you guys see any violation please punish them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : ( XXXX XXXX, Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Clarity services 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 an account opened at XXXX XXXX under the account number ( XXXX ) This account have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. l '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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am filing a complaint regarding ALLY Financial Services. For several weeks, I have been trying to unlock my online account so that I can make payments and access basic information about my account. Despite calling over 10 times, every representative hangs up on me before providing any assistance.

I have clearly stated each time that I only need my online account unlocked so I can make payments and review my account details. Instead of helping, the calls are abruptly disconnected. I also had my daughter call twice to see if the issue was specific to me, and she experienced the exact same treatment representatives hung up without helping. 

Because I can not get online access restored, the only way I have been able to make payments is by physically going to XXXX. 

This has created a serious hardship because I have been in and out of the hospital for the past three months. I recently had XXXX XXXX, I have a XXXX XXXX, and I am currently on dialysis. Traveling unnecessarily puts my health at risk, and I am not medically stable enough to be making extra trips. If Ally had simply unlocked my online account or provided basic customer service, these trips would not have been required. 

I am extremely worried because I am trying to keep my account in good standing, but the companys refusal to assist me has made that very difficult. No one should have to risk their health to make a payment when online access should be available. 

1. Unlock my online account ; 2. Allow me to make payments without obstruction ; 3. Provide reliable customer service when I call with account questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-09 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: MO

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX am submitting this complaint on the behalf of myself. There is no other company disputing on my behalf. Please do not send me an automated response! All documents will be included for this dispute. 
I did not expressed written consent to or authorize any third party consumer reporting agency to furnish data on the following accounts and I have the right to privacy, please be reminded, no consent is identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please promptly remove this data within r business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!

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 2025-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GREENSKY OPERATIONS, LLC
State: TN

Complaint narrative:
I am disputing this account because no products or services were ever received from the merchant ( XXXX XXXX ), and the loan should have never been activated. The contract with XXXX XXXX was never finalized due to errors in their documentation. As a result, the project was canceled, and no windows were delivered and no installation was performed. 

This account had previously been reported as closed/settled. GreenSky has now improperly reopened the account and reported a late payment for a debt that is not valid. Under the Fair Credit Billing Act ( FCBA ), I am not responsible for paying for products or services that were never delivered. 

I am requesting that the credit bureau remove the late payment and correct the account. I am also requesting that GreenSky provide proof that any products were delivered or any services were performed. Since no goods were ever received, this debt is invalid and should not be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AL

Complaint narrative:
I regularly monitor my credit report because my credit score is very important to me, and I continue to see inaccurate and false information appearing on it. This has been a recurring issue that has not been corrected despite the multiple times Ive brought it to your attention. It is incredibly stressful and exhausting, and these ongoing inaccuracies are unfairly harming both my life and my credit score.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC
State: NJ

Complaint narrative:
SEND A MAIL IN REQUEST TO GET A COPY OF MY CONSUMER REPORT AND RECEVIED IT BACK IN MAIL AS UNABLE TO FORWARD

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 2025-12-09 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 2025-12-09 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief