vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Collection accounts listed on my report appear to contain incorrect information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-06 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: FL

Complaint narrative:
Im following up a complaint to report that Ive been a victim of identity theft. Ive learned that under FCRA Section 605B, credit bureaus are required to remove any fraudulent items once an identity theft report is submitted.

I have enclosed the necessary documents, including my FTC identity theft report, to support the removal of these unauthorized accounts. These items were not opened or authorized by me and do not belong on my credit file. 
As stated by law, these items must be removed within four business days of receiving this request .. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 filing this complaint against TransUnion for repeatedly failing to correct and remove inaccurate and unauthorized information from my credit report, despite multiple formal disputes submitted over time. 

First, TransUnion is reporting an inaccurate address, specifically : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived at this address, nor have I used it for any credit-related purposes. Its presence on my report is misleading, incorrect, and a potential sign of file mismanagement or identity confusion. I have disputed this item previously, but TransUnion has continued to verify and retain it without providing any verifiable proof of my connection to that address. 

Additionally, there are multiple unauthorized hard inquiries on my TransUnion credit report that I did not initiate, authorize, or consent to. These inquiries are harming my credit profile and were done without a permissible purpose, violating FCRA 604 ( a ) ( 3 ). The inquiries include the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for credit or services with any of the companies listed above. These inquiries were made without my knowledge or consent. Under the Fair Credit Reporting Act, a credit reporting agency may only allow inquiries when there is a valid permissible purpose and the consumer has provided explicit authorization. I have repeatedly asked TransUnion to investigate and remove these inquiries. However, they failed to provide any proof of permissible purpose or remove the inquiries, which constitutes a violation of FCRA 611 and 607 ( b ). 

This is now my third attempt to resolve these issues through TransUnions dispute process, yet they have continued to verify unverifiable data without a proper investigation. Their inaction is not only negligent but also harmful to my credit profile and my ability to access fair lending opportunities. 

I am requesting that the CFPB assist in compelling TransUnion to : Permanently delete the incorrect address ( XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) Remove all unauthorized hard inquiries listed above Provide verification and documentation if any of these items are claimed to be accurate and permissible I believe TransUnion is in clear violation of the Fair Credit Reporting Act, and I ask for the CFPB 's help in enforcing my rights as a consumer and holding TransUnion accountable. 

Thank you.

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 2025-08-06 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: PA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. Validate Account XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.

2. Validate Account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

5. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

6. Validate Account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 

7. Validate Account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

8. Validate Account XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 


9. Validate Account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Please correct/update this inaccurate information on my credit report. 

11. Validate Account XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

12. Validate Account XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. 

13. Validate Account XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report.

In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you will conduct a reevaluation of these items by contacting the creditor responsible for their inclusion. I kindly ask that any information that the creditor is unable to substantiate be expunged. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), they are required to complete this reinvestigation within 30 days of receiving this correspondence.

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 2025-08-06 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: CA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
am disputing an account reported by Midland Credit Management. I was not properly notified about this debt, and I did not receive any validation or documentation proving that I owe the amount claimed. I only received some initial mail notices which then stopped abruptly, leaving me confused about the status of this account and where to send payments. 

The account shows an open balance of {$1500.00}, but I have not been provided with sufficient information to verify this debt. I request that Midland Credit Management provide me with the full details of this debt, including the original creditor, account history, and any agreements I signed. 

I also ask that they stop any collection efforts until this information is provided. If they can not validate the debt, I request that this account be removed from my credit report and that they cease reporting inaccurate information. 

Please investigate this matter and ensure my rights under the Fair Debt Collection Practices Act are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XX/XX/year>, I submitted a second dispute to TransUnion regarding a XXXX XXXX account ending in XXXX, with a reported balance of {$540.00} and an original charge-off of {$1100.00}. 

I requested a re-verification under 15 USC 1681i of the Fair Credit Reporting Act, including : 1. The method of verification 2. The name and contact info of the verifying party 3. Documentation used to verify the debt ( such as a signed agreement or billing history ) On XX/XX/year>, TransUnion responded by stating the account was Verified as Accurate and Updated. However, no documentation was provided to support the verification. They simply updated items like the Date Updated, Rating, and Historical Trended Data, without actually showing how the account was verified.

I have not received any original documents from XXXX or TransUnion proving that this debt is valid or that I legally owe this amount. I did not receive a copy of any signed agreement, terms of the account, or chain of ownership. 

Because TransUnion failed to provide the verification details and documentation I explicitly requested, I believe this account is being reported in violation of my rights under the Fair Credit Reporting Act. I believe a reasonable reinvestigation did not occur.

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 2025-08-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
XXXX I went to XXXX XXXX XXXX XXXX XXXX a XXXX XXXX  XXXX XXXX XXXX and sales XXXX promised me terms for $ XXXX for XXXX months. I showed proof of Pre-qual and proof of XXXX  Credit report at XXXX. XXXX XXXX XXXX had me apply via his computer after I informed him I was not comfortable entering my personal information on his computer. Then, at XXXX, he tells me mg credit was not approved and I was denied. 

The next day XXXX, XXXX reached back out and harassed me asking additional questions about my XXXX, XXXX worthiness etc. 

I informed him I felt like my rights were being violated and he told me I didnt qualify and my scores were all below XXXX ; which is false information. I showed my live XXXX  report to salesman that indicate XXXX on updated credit report. Then, XXXX re-ran my information still yielding in proper information and then sent terms, at XXXX after my information was already shared and used improperly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MI

Complaint narrative:
CFPB Complaint Summary Arbitration Exhibit Filed by : XXXX XXXX XXXX of CFPB Filing : XX/XX/year> Against : Experian Summary of Complaint and Violations Cited This document summarizes the formal complaint filed with the Consumer Financial Protection Bureau ( XXXX  ) by XXXX XXXX on XX/XX/year>, against Experian for the continued false reporting of a XXXX XXXX XXXX ( XXXX  ) tradeline following repossession and sale of the vehicle. 
Violations Cited : XXXX. FCRA XXXX ( b ) Failure to report with maximum possible accuracy. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a reasonable reinvestigation. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( B ) Re-insertion of deleted or corrected info without proper notice. 
XXXX. FCRA XXXX ( b ) Failure to delete or modify after consumer dispute. 
XXXX. FCRA XXXX Failure to provide full consumer file. 
XXXX. FCRA XXXX Reporting obsolete or discharged info ; false payment activity post-repo. 
XXXX. FCRA XXXX ( c ) Failure to include statement of dispute on tradeline. 
XXXX. XXXX XXXX Inaccurate account status reporting ; reporting inflated balance on 'closed ' tradeline. 
XXXX. Michigan XXXX XXXX Failure to provide proper pre-sale notice of repossession. 
XXXX. Michigan XXXX XXXX No post-sale accounting statement or itemization of deficiency. 
XXXX. Failure to verify or validate account status post-repo ; XXXX  misrepresented account as still open. 
XXXX. Actual & Emotional Damages Credit denial, delayed auto loan, confusion, and time lost. 
Damages Sought The complainant seeks a total of $ XXXX in statutory, actual, and emotional damages, as outlined below : {$1000.00} per statutory violation XXXX categories $ XXXX for actual and emotional distress Final Demand Before Arbitration Filing Experian was instructed to delete the inaccurate XXXX XXXX XXXX and confirm in writing by XX/XX/year>. Failure to comply triggered the initiation of a formal arbitration case with the XXXX XXXX XXXX ( XXXX ). 

Respectfully submitted, XXXX XXXX XXXX, MI 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 2025-08-06 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation