vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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:
I am writing to formally dispute the reporting of the XXXX XXXX account listed on my credit report. After reviewing my credit file, I found multiple serious inconsistencies and inaccuracies that violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX credit reporting guidelines. 

Here are just a few of the errors I noticed across your report and others : Inconsistent High Balance Reporting : One bureau reports a {$10000.00} high balance, while another reports {$23000.00} both can not be correct.

Conflicting remarks : The remarks section varies wildly across bureaus ( e.g., " Charged Off, '' " Purchased by Another Lender, '' and " Transferred to Another Lender '' ). These are contradictory outcomes and create confusion and harm.

Repeated Charge-Off Notations : Experian shows multiple months of charge-offs in XXXX. A charge-off is a one-time event it should not be repeated monthly. This directly violates XXXX XXXX reporting guidelines. 

Different Last Activity Dates : This account shows conflicting last activity dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). This inconsistency calls into question the accuracy of the entire tradeline. 

Missing and Incomplete Payment History : TransUnion shows no payment history at all. This lack of completeness, combined with conflicting data from other bureaus, is a violation of FCRA 1681e ( b ), which requires maximum possible accuracy. 

Due to these inaccuracies and XXXX XXXX violations, the account is unverifiable and misleading. I am requesting that you delete the XXXX XXXX account from my credit report entirely under the Fair Credit Reporting Act. 

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 non-monetary relief
Consumer complaint received 2025-07-20 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: NH

Complaint narrative:
I called customer service and received a confirmation number over the phone on XX/XX/XXXX. This issue has been ongoing since XX/XX/XXXX. 

I also sent all relevant personal documents to help Experian identify me.

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 2025-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: LA

Complaint narrative:
This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, [ XXXX XXXX XXXX ] is not complying with these legal obligations. 
Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : XXXX. Immediate deletion of the unvalidated debt from all credit reporting agencies. 
XXXX. Statutory damages in the amount of {$5000.00} for [ XXXX XXXX XXXX ] 's failure to comply with federal law and their neglect in handling this matter. 
Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
NMAC was taken off my credit report at least 3 times and it keeps getting put back on there for some reason this car was paid off by insurance company when it was totaled XX/XX/year>. It was paid for with in XXXX weeks for the amount of XXXX what they are still trying to collect. I would like this to be permanently removed from all of credit reports because it should not be on here. They have it on my credit as a charge off - 15 U.S. CODE 1681.s-2., 15 U.S. CODE 1681i .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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:
I noticed that there was an inquiry on my credit report that I did not do, I contacted the company, filed a report with identifytheft.gov, and I disputed with Equifax and Equifax said that " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Transunion is reporting incorrect personal information. Please remove the incorrect personal information below you have listed on my credit report Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect Name : XXXX XXXX XXXX Experian is reporting Unauthorized Hard inquiries in which i am disputing such as XXXX XXXX XXXXXX/XX/XXXX Under the fair credit reporting act, section 611 ( 15 usc 1681i ) unverified inquiries must be removed. Please invesitgate and remove any unverifiable inquiries. Please also remove the incorrect personal information below you have listed on my credit report Incorrect Address info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Date Of Birth : XXXX. Incorrect Names : XXXX XXXX Equifax is reporting Incorrect personal Information. Please also remove the incorrect personal information below you have listed on my credit report Incorrect Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Incorrect Name : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is a formal follow-up regarding unresolved fraudulent accounts that remain on my Experian credit report despite multiple disputes. This letter is not a repeat of prior submissions it includes updated documentation and a renewed demand for legal compliance under the Fair Credit Reporting Act, Section XXXXB ( 15 U.S.C. XXXX ). 
I am a victim of identity theft. The following account was opened without my knowledge or consent : XXXX XXXX XXXX Reported Opened XX/XX/year> The fraudulently hard inquiries were opened without my knowledge or 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I have never entered into any relationship with these creditors. I am invoking my rights under FCRA XXXX, which legally requires that credit bureau block these items from my credit file within XXXX ( XXXX ) business days after receipt of this letter. 
Attached you will find : A copy of my FTC Identity Theft Report and Affidavit A copy of my government-issued ID and SSN. 
Proof of my current address. 
This submission is fully compliant with all documentation requirements under the FCRA. As such, credit burau is not legally permitted to reject or ignore this request, nor to claim this dispute is frivolous. 
Please confirm in writing that these fraudulent accounts have been permanently removed from my file and blocked from future reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: PR

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX -XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : -XXXX XXXX XXXX Account number 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 non-monetary relief
Consumer complaint received 2025-07-20 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: IL

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 U.S.C 1681. 
XXXX XXXX XXXX XX/XX/XXXX for the amount of {$310.00} dollar. Was paid in full. 
and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX amount {$4300.00} and XXXX XXXX XXXX XX/XX/XXXX The amount of {$120.00} and XXXXXXXX XXXX XXXXXX/XX/XXXX Amount of {$1400.00} and XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$520.00} and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3700.00} and XXXX XXXX XXXX  All close accounts and late payments to be removed. 
15 U.S.C 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 : Also state a consumer reporting agency can not furnish accounts without my written instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes witch antedates.

U.S.C 1681 5_2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer.

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 2025-07-20 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: IL

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 U.S.C 1681. 
XXXX XXXX XXXX XX/XX/XXXX for the amount of {$310.00} dollar. Was paid in full. 
and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX amount {$4300.00} and XXXX XXXX XXXX XX/XX/XXXX The amount of {$120.00} and XXXXXXXX XXXX XXXXXX/XX/XXXX Amount of {$1400.00} and XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$520.00} and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3700.00} and XXXX XXXX XXXX  All close accounts and late payments to be removed. 
15 U.S.C 1681 SECTION 602A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 : Also state a consumer reporting agency can not furnish accounts without my written instruction.

15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes witch antedates.

U.S.C 1681 5_2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer.

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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I wasnt made aware of this collection agency taking over the debt! I never gave permission for this agency to purchase this debt and I wasnt made aware this debt was going into collections

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: MI

Complaint narrative:
I've reached out to " TEKCOLLECT/TEK-COLLECT '' in regards to account " XXXX '' asking for the : assignment contract, debt validation, proof of me owing said debt, and proof from them ( TEKCOLLECT/TEK-COLLECT ) stating that they own said debt and that they have the right to collect said debt. 
After further investigation they were not eligible to provide me with any information that I requested ; in addition to not closing said collection it resulted in me losing over XXXX points off of my credit score/file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I spent over a week working on a lease deal for a vehicle at a XXXX XXXX XXXX I made at least XXXX separate trips to the dealership during this process. They severely undervalued my trade-in vehicleoffering me less than XXXX XXXX of its fair market valueso I asked if I could do a private sale instead. The dealership confirmed that if I sold the car privately, they would proceed with the lease deal. 

Under that assurance, I sold my car below market value in order to take advantage of the time-sensitive lease offer. I communicated clearly with the dealership and have text messages confirming I asked them to run my credit during an earlier visit, which I believed had already occurred. I then made a final trip to pick up the car and sign paperwork, expecting everything to be finalized. 

At that point, they informed me they would now need to run my credit again, and used the fact that the loan on the car I sold hadnt yet cleared from my credit report ( despite being paid off that day ) as a reason to cancel the deal. They claimed the lease could not be honored and told me to try again in XXXX  days. 

As a result : I now have no car. 
I sold my previous vehicle at a financial loss under false pretenses. 
The dealerships shifting conditions and poor communication resulted in irreversible financial harm and emotional distress. 
A subjective algorithm, not a human underwriter, was used to reject a deal they themselves pushed me toward. 

This feels deceptive and exploitative. I am requesting that XXXX XXXX XXXX to : XXXX. Honor the original lease terms I was promised ; XXXX. Provide written acknowledgment of their misrepresentation and ; XXXX. Investigate the financial services inhumane algorithm. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: OH

Complaint narrative:
I am a victim of identity theft. Accounts and hard credit inquiries were fraudulently opened or made in my name without my knowledge or consent. These include accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, as well as a hard inquiry from XXXX XXXX XXXX dated XX/XX/year>. 

I did not authorize or initiate any of these credit applications, loans, or collections. Upon discovering these fraudulent entries, I took action by submitting formal disputes to the furnishers and credit reporting agencies under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I demanded verification, removal, and a block of the disputed accounts and inquiries.

Despite notifying them of the identity theft and requesting removal under 15 U.S.C. 1681c-2 and 15 U.S.C. 1692g ( b ), the accounts remain on my credit report and collection efforts have continued. This is causing serious harm to my credit, finances, and emotional wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: OH

Complaint narrative:
I am a victim of identity theft. Accounts and hard credit inquiries were fraudulently opened or made in my name without my knowledge or consent. These include accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, as well as a hard inquiry from XXXX XXXX XXXX dated XX/XX/year>. 

I did not authorize or initiate any of these credit applications, loans, or collections. Upon discovering these fraudulent entries, I took action by submitting formal disputes to the furnishers and credit reporting agencies under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I demanded verification, removal, and a block of the disputed accounts and inquiries.

Despite notifying them of the identity theft and requesting removal under 15 U.S.C. 1681c-2 and 15 U.S.C. 1692g ( b ), the accounts remain on my credit report and collection efforts have continued. This is causing serious harm to my credit, finances, and emotional wellbeing.

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 2025-07-20 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: OK

Complaint narrative:
I am in the process of purchasing a home and noticed that there are damages on my credit report. According to Laws 15 U.S.C 1681 these damages should not be there...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are XXXX addresses listed on my consumer report that are invalid. I am not associated with these addresses and have attempted to remove this information from my personal credit report. The credit bureaus are obligated to update and remove any information that is incorrect. It is against the law to report and continue to report information that is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
There are XXXX addresses listed on my consumer report that are invalid. I am not associated with these addresses and have attempted to remove this information from my personal credit report. The credit bureaus are obligated to update and remove any information that is incorrect. It is against the law to report and continue to report information that is not 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 
The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX. 
15 U.S.C 1681s-2 ( A ) ( a ) 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. 
Delete the accounts below : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2025-07-20 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: MD

Complaint narrative:
I don't recognize this account on my credit report. Please remove hard inquiry.

Company response to consumer: Closed with explanation