vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: VA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate Collection Account To Whom It May Concern, I am formally disputing the accuracy and completeness of a collection account reported on my file : Creditor/Collection Agency : XXXX XXXX XXXX Amount : {$440.00} This account is inaccurate, unverifiable, and must be permanently deleted under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). The report fails to provide competent evidence that : I entered into a contract creating this alleged obligation. 

The collector has legal standing and chain of title proving ownership of this debt ( required under 15 U.S.C. 1692g ( b ) ).

The balance, dates, and payment history are accurate and complete. 

Under FCRA 611, you are required to conduct a reasonable investigation. If the furnisher can not produce full validationincluding a signed contract, complete payment history, and proof of assignmentthe item must be deleted. Reporting unverifiable or incomplete information violates FCRA 623 ( a ) ( 1 ) ( A ).

Additionally, if this account is beyond the 7-year reporting limit in FCRA 605 ( a ), it must be immediately removed.

Accordingly, I demand deletion of this collection account from my credit file. Please provide me with the results of your investigation in writing within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: CA

Complaint narrative:
Oh XX/XX/year> I attempted to dispute information on my Transunion credit report due to a recent data breach. The breach may have included my personal information [ SSN, DOB, etc. ], and I am concerned about potential/fraudulent activity.

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 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Summary of Complaint : I dispute an alleged debt being handled by XXXX XXXX on behalf of XXXX XXXX. The debt is not currently reporting on my credit file, but collection attempts are unlawful and in violation of FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 15 USC 1692. 

Violations : 1. Failure to Validate Debt XXXX XXXX has not provided the following despite my written dispute : Assignment contract/flow agreement Bill of sale and proof of transfer Full account-level breakdown of balance Proof of licensing in my state Original signed contract 2. Unlawful Collection Tactics Phone contact at my job is prohibited under FDCPA. 
Attempting to serve me at my workplace is harassment and invasion of privacy. 
Continuing collection without validation is a violation of federal law.

3. Illegal Sale of Debt & Data It is unlawful for XXXX XXXX to both sell the alleged debt and transfer my personal identifying information without my consent. 

Relief Requested : Confirmation that XXXX XXXX is licensed to collect in my state. 
Immediate provision of all documentation requested.

Cease and desist of all contact at my job. 
Deletion/closure of the alleged debt. 
Monetary relief of {$1000.00} per violation.

Complainant : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NC

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$10000.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/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 2025-09-07 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 checked my recent report and saw multiple accounts reporting fraud on my report, I do not recognize these accounts there for they are not mine.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal request for the removal of an inaccurately reported XXXX  still being shown on my Experian credit file as of XX/XX/year>. 

On XX/XX/year>, XXXX XXXX XXXX filed a formal dispute on my behalf and forwarded it to Experian. As of XX/XX/year>, XXXX confirmed in writing that Experian had not responded to the dispute. 

I have also received a letter from the XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX which confirms that the court does not verify or report any XXXX  records to credit bureaus. This proves that the XXXX  data can not be verified by the source, and therefore must be removed under FCRA 611 ( 15 U.S.C. 1681i ).

Additionally, XXXX  has already deleted this exact same XXXX from my credit file based on the same dispute and documentation. Experians continued reporting of this unverifiable record is not only inconsistent, but a direct violation of the Fair Credit Reporting Act.

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 2025-09-07 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: NY

Complaint narrative:
I am a victim of identity theft. After reviewing my Experian credit report, I discovered multiple unauthorized hard inquiries that I did not initiate, authorize, or consent to. I have not applied for credit, loans, or services with any of the companies listed below. These inquiries were made without my knowledge and do not relate to any legitimate transactions. 
I attempted to contact some of the listed companies, but was unable to reach anyone or resolve the matter directly. As a result, I am filing this identity theft report with the Federal Trade Commission ( FTC ) and invoking my rights under 15 U.S. Code 1681c-2, which allows me to block fraudulent items from appearing on my credit report. 
List of Unauthorized Credit Inquiries Company Name Inquiry Date Description XXXX ( Debt Collection ) XX/XX/XXXX No account opened ; unauthorized inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Did not apply ; no authorization given XXXX ( XXXX ) XX/XX/XXXX No application or contact made XXXX XXXX ( XXXX ) XX/XX/XXXX No account opened ; unauthorized inquiry XXXX XXXX XXXX  XX/XX/XXXX Did not apply for credit or financing XXXX XXXX ( XXXX ) XX/XX/XXXX Duplicate unauthorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX No relationship with this lender XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized hard credit inquiry XXXX  XXXX ( Debt Collection ) Sometime in XXXX No debts owed or collections active Affirmation of Non-Involvement I hereby affirm that : I did not authorize or initiate any of the above inquiries. 
I have never applied for credit or services with the listed companies. 
I did not grant permission to anyone to use my personal information.

These entries are the result of identity theft or unauthorized access.

Requested Action I am requesting the FTC to record this as an official identity theft report. 
I will provide this report to Experian to request the blocking and permanent removal of these inquiries from my credit file under 15 U.S.C. 1681c2. 
I am not requesting a credit freeze at this time. 
Signature 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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
dispute the late payment reported on my XXXXXXXX XXXX account The account is open, but I have never been late. 
Please delete the XXXXday late mark of XX/XX/year>2024 as inaccurate. 
Under FCRA XXXX and XXXX ( b ), Experian must verify with documentary proof from the furnisher. 
If no evidence exists, the late payment must be removed.

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 2025-09-07 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
Experian continues to report an inaccurate and unverifiable XXXX XXXX XXXXXXXX account on my consumer report, despite multiple disputes. I have provided evidence, and the furnisher has failed to provide documentation supporting the tradeline. Experian has violated its obligations under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : I have disputed the XXXX XXXX XXXXXXXX account with Experian multiple times. 
XXXX XXXX XXXXXXXX response contained no documentation : no signed contract, no account statements, and no verification of the reported balance, charge-off, or dates. 
XXXX XXXX XXXXXXXX merely repeated previously disputed information. This does not constitute proper verification under the FCRA. 
Despite this, Experian has continued to report the account as verified and refuses to remove it. 
Experian is now in violation of : 15 U.S.C. 1681i ( a ) : Duty to conduct a reasonable reinvestigation.

15 U.S.C. 1681e ( b ) : Duty to assure maximum possible accuracy of information. 

Harm Caused : This inaccurate tradeline is damaging my creditworthiness. 
It is preventing me from accessing fair credit opportunities. 
Experians refusal to properly investigate leaves me with no choice but to escalate this matter. 

I request that CFPB intervene and make Experian remove the inaccurate and unverifiable data from my credit 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 2025-09-07 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:
CFPB complaint XXXX submitted XX/XX/year>. It is XX/XX/XXXX and the complaint has not been responded to. I demand transition and the other two credit bureau delete the unauthorized inquiries from all 3 credit bureau and close these complaints they have violated by not responding in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: GA

Complaint narrative:
CFPB complaint XXXX submitted XX/XX/year>. It is XX/XX/XXXX and the complaint has not been responded to. I demand transition and the other two credit bureau delete the unauthorized inquiries from all 3 credit bureau and close these complaints they have violated by not responding in a timely manner.

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 2025-09-07 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM financial account XXXX was settled on XX/XX/year> car was returned to dealer because of engine failure signed lease end agreement also now XXXX  will not remove from credit they are having problems verifying information. Car been at dealership since XX/XX/year> because of new engine failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
ON or about XX/XX/2025 and XX/XX/2025 we asked for debt validation from MCM. MCM refused to verify, validate or substantiate their claim for injury yet posted it the the credit agencies as truth. Thus creating a false claim under Delaware law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear [ Credit Bureau Name ], I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section XXXX. 

The account in question is : Creditor/Lender : XXXXXXXX XXXX  Account Number : [ insert account number ] Reported Status : Repossession Date Opened : XX/XX/XXXX Date Closed : XXXX XXXX, XXXX I believe this information is being reported inaccurately for the following reason ( XXXX ) : The account is listed as a repossession but shows XXXX times late under XXXX day late payments. This appears contradictory. 
The balance is reported as {$0.00}, yet the account still shows as derogatory. 
The payment history reporting ( 0 % on-time ) does not match the last payment activity reported. 

Under the FCRA, I request that you investigate this matter with XXXX XXXX and provide me with a written statement of the results. If the furnisher of this information can not verify its accuracy, I request that the account and repossession notation be removed entirely from my credit file. 

Please provide me with the results of your investigation in writing, including an updated copy of my credit report. 

Thank you for your prompt attention to this matter.

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 2025-09-07 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:
Dear [ Credit Bureau Name ], I am writing to formally dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section XXXX. 

The account in question is : Creditor/Lender : XXXXXXXX XXXX  Account Number : [ insert account number ] Reported Status : Repossession Date Opened : XX/XX/XXXX Date Closed : XXXX XXXX, XXXX I believe this information is being reported inaccurately for the following reason ( XXXX ) : The account is listed as a repossession but shows XXXX times late under XXXX day late payments. This appears contradictory. 
The balance is reported as {$0.00}, yet the account still shows as derogatory. 
The payment history reporting ( 0 % on-time ) does not match the last payment activity reported. 

Under the FCRA, I request that you investigate this matter with XXXX XXXX and provide me with a written statement of the results. If the furnisher of this information can not verify its accuracy, I request that the account and repossession notation be removed entirely from my credit file. 

Please provide me with the results of your investigation in writing, including an updated copy of my credit report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
You are currently reporting the following account on my credit file : Account Name : XXXX XXXX Account Number : XXXX Account Type : Unsecured / Personal Loan Date Opened : XX/XX/XXXX Original Balance : {$3100.00} Reported Balance : {$4800.00} Status : Collection account, {$4800.00} past due as of XX/XX/XXXX Violations in Your Reporting Improper Past Due Balance on a Collection You are reporting this tradeline as a collection account and at the same time showing it as {$4800.00} past due. 

Under Metro 2 Credit Reporting Standards, a collection account is a closed, defaulted account. The Past Due Amount field must always = {$0.00}.

By reporting a past due balance, you are misrepresenting the legal status of the debt, making it appear as if I am delinquent on an open account.

This is a direct violation of FCRA 607 ( b ) ( maximum possible accuracy ), FCRA 623 ( a ) ( 1 ) ( A ) ( knowingly furnishing inaccurate information ), and FDCPA 807 ( 2 ) ( A ) ( false representation of the legal status of a debt ).

Failure to Validate Debt To date, you have not provided : The original signed contract with my wet ink signature.

A full accounting of the balance, showing how a {$3100.00} loan became {$4800.00}. 

Documentation proving you are licensed and authorized to collect debts in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Somebody stole my identity and now Im being charged almost 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 2025-09-07 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four ( 4 ) business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of : A personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a reported balance of {$1700.00}. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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. 

Fraudulent Hard Inquiries XXXX  ( Bank ) XXXX ( Finance ) XXXX  ( Bank ) XXXX XXXX ( Hotel and Travel ) I do not recognize the aforementioned account, collections, or hard inquiries as reported. The aforementioned account, 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 account, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit account, collections, and hard inquiries are the result of identity theft and fraud.

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