vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-03 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: CA

Complaint narrative:
Hard inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items. 
2. Delete or correct all inaccurate, incomplete, or unverifiable information. 
3. Provide me with a copy of the updated credit report reflecting these changes. 

XXXX XXXXXXXX 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Please understand, this complaint is not a misunderstanding. There are real and troubling inaccuracies on my credit report that continue to have a deeply negative impact on my life. The emotional and financial strain has been overwhelming, and I can not overstate how much it would mean to have these errors corrected or removed. It would truly be a blessing and a much-needed help during these trying times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: OK

Complaint narrative:
There are XXXX charge-off accounts currently being reported on my credit reports by all three major credit reporting XXXX, TransUnion, and XXXX I believe are either inaccurate, incomplete, or improperly verified. These accounts include : 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 XXXXXX/XX/XXXX, with a balance of {$1300.00} XXXX XXXX, account number ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXeported as charged off on XX/XX/XXXX, with a balance of {$49.00} ( this account is specifically being reported by Equifax ) My concerns begin with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX Despite multiple attempts to have these accounts validated or fully investigated, I have yet to receive any documentation that substantiates their accuracy. The Fair Credit Reporting Act ( FCRA ) mandates that any information furnished to credit reporting agencies must be accurate, complete, and verifiable ( 15 U.S.C. 1681i ). If a consumer disputes an account, the credit bureau is obligated to perform a good-faith reinvestigation. Based on the lack of transparent verification and the continued reporting of these derogatory entries, I do not believe a thorough or fair reinvestigation has taken place.

Given the significant financial and emotional impact these accounts have on my creditworthiness, and given the ongoing issues surrounding verification and accuracy, I respectfully request a full investigation that meets the standards of thoroughness and transparency required under federal law.

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 2025-06-03 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: AL

Complaint narrative:
To Whom It May Concern : This letter is a formal demand, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ), to immediately investigate and permanently delete the following inaccurate, unverifiable, or outdated entries from my credit report. These accounts are negatively impacting my creditworthiness and contain substantial violations of federal consumer reporting law. 


XXXX XXXX XXXX XXXXXXXX XXXX Acct : XXXX - Unverifiable Information ( 1681i ) : No payment data or actual payments recorded for over 12 months.

- Incomplete Reporting : Scheduled payments shown but no matching actual payment records.

- Misleading Charge-Off Reporting ( 1681e ( b ) ) : Account reports ongoing balance despite inactivity since XX/XX/XXXX. 

XXXXXXXX XXXX Acct : XXXX - Incomplete and Misleading Status ( 1681e ( b ) ) : Paid in XX/XX/XXXX, yet still reports charge-off. 
- Re-aging Potential : Charge-off in XXXX for a delinquency that started in XXXX. 

XXXX XXXX XXXX Acct : XXXX - Outdated and Inaccurate Data ( 1681c ) : Same balance since XX/XX/XXXX. 
- Lack of Payment Records ( 1681e ( b ) ) : No actual payments reported. 

XXXX Acct : XXXX - Re-aged and Incomplete Status : Last payment in XX/XX/XXXX, but reported transfer in XXXX. 
- Lack of Creditor Certification ( 1681s-2 ) : No verification from new owner. 

XXXX XXXX XXXX Acct : XXXX - Unverifiable Ownership : No original creditor listed. 
- Incomplete Reporting ( 1681e ( b ) ) : Missing Date of First Delinquency.

- Violation of FDCPA ( 1692g ) : No verification within 30 days of collection attempt. 

XXXX XXXX XXXX Acct : XXXX - No Original Creditor Identified. 
- Reporting Past Due as High Credit ( 1681e ( b ) ) : Misleading reporting. 

The Bureaus ( XXXX XXXX ) Acct : XXXX - Outdated Account ( 1681c ) : First delinquency over 7 years ago.

- Unverified Collection Balance ( 1681i ) : No updates or payments shown.

Under 15 U.S.C. 1681i ( a ), you are required to : 1. Conduct a reinvestigation within 30 days of receipt of this letter.

2. Delete any item that can not be verified or substantiated.

3. Provide written notice of the results, including the name, address, and phone number of any furnisher contacted. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NE

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I owed the Army exchange credit card some money before I XXXX  from the XXXX. I was told I had a year after my XXXX  to make the payments. I was contacted before the one year window by a third party collection company ( XXXX XXXX XXXX ) that would be representing the army exchange and that I needed to pay up else theyll go after all of my government benefits.

We reached an agreement and I started paying up eventhough I hadnt gotten a job, I used the money I got from XXXX XXXX to pay just so they dont go after my benefits. I noticed the balance was not going down, I called them several times to send me the statements but up till now I never got anything.

The attitude I even get from them each time I called is out of this world ; extremely unprofessional and rude. So far, I made four ( 4 ) payments of {$580.00} which is {$2300.00} which should have reduced a balance of about {$4500.00} thereabouts drastically but instead they keep telling me I still owe over {$4000.00} and they keep adding interests to it every month. I never signed up to an interest only loan from them. I think this is just so fraudulent. Instead of helping to end the credit card balance, they kept adding to it and their communication is so poor.

I am writing to get this checked as they might have done it or be doing it to other victims out there and I want my money applied and possibly the appropriate credit balance on my statement.

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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
On or about XXXX a company by the name of Penn Collections Corporation placed without notice a collection that does not belong to me. The original creditor hired two other collection agencies that placed it on my credit report. XXXX XXXX investigated and found that I was not responsible for the debt and therefore removed it off my credit report. Penn collections failed to properly notify me as per my rights instead fraudulently reported false, misleading, erroneous information on my credit report. I will be serving XXXX XXXX XXXX XXXX with a small claims lawsuit and notifying them that they will have 15 days to remove as per my state regulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and Equifax credit reporting agency , remove 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 a personal credit card account opened at XXXX XXXX BALANCED {$11000.00} XXXX XXXX XXXXXXXX BALANCED {$13000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I'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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Earlier this year, I was using PayPal to send gift cards to friends and by accident was not paying attention to my checking account and soon found myself overdrawn at my bank. When I found out, I wrote to PayPal asking them to stop trying to withdraw my money and they refused driving up the amount they say I owe them. I contacted the XXXX but PayPal used their rules to deny my complaint with the BBB. I am hoping that you can get PayPal to listen to reason. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-06-03 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: NY

Complaint narrative:
On XXXX XXXX XXXX, I submitted a formal dispute to Equifax regarding the unlawful and inaccurate reporting of two accounts simultaneously as charge-off and collection items on my credit report. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By definition, a charge-off is a cancellation of debt and must be reported as income to the IRS with a Form 1099-C. Once a debt is cancelled, it is no longer legally collectible or reportable as a collection. The continued dual-reporting of these accounts constitutes a violation of both federal credit reporting laws and tax compliance regulations. 

Equifax has failed to comply with the following provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Prohibition on furnishing information known to be inaccurate.

15 U.S.C. 1681s2 ( b ) Failure to correct or delete disputed inaccurate data.

15 U.S.C. 1681n Civil liability for willful noncompliance. 

I have placed Equifax on formal notice and cited relevant legal authority, including the IRS position that cancelled debt constitutes gross income and is not eligible for dual-reporting. I also informed Equifax that I will be reporting the matter to the IRS using Form 3949-A if not corrected.

Equifaxs continued furnishing of inaccurate information is damaging my creditworthiness, credit standing, and character.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IN

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 and 1681i. A collection account on my credit report is inaccurate, and after I disputed it, the reporting party failed to properly investigate or correct the error. This is affecting my creditworthiness and violates my rights under federal law. '' 15 U.S.C. 1681i If you dispute an account, the credit reporting agency must investigate within 30 days and correct or delete inaccurate info.

15 U.S.C. 1681s-2 ( a ) Debt collectors must report accurate information. If a collector reports false or outdated info ( e.g., a paid collection still showing as unpaid ), it may violate this section.

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 2025-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
Received very aggressive voicemails from some one stating the would be taking further measures reaching out to the county. 

Reaching out to people who were not on my references. 

Threatened to be taken to court. 

Old debt over four years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am submitting this complaint because Midland Credit Management is attempting to collect a debt they say originated from Mattress Firm, financed through XXXX XXXX  XXXX XXXX. I received a notice that they will be suing me as of today, XXXX XXXX XXXX for XXXX. 

I have never received any proper validation or verification of this debt. Midland continues to send letters and threatens to sue me, but I have not been provided with : A breakdown of the amount owed Proof that they legally own or are authorized to collect the debt Any documentation identifying XXXXXXXX XXXX  or my original account Most concerning, I received a document in the mail that looked like a court summons or legal filing. It included no court seal, no case number, and no judges signature, yet it gave the impression I was being sued. This was very distressing and misleading. 

I believe this violates my rights under the Fair Debt Collection Practices Act. I should not be threatened with legal action for a debt that has not been properly validated.

Company response to consumer: Closed with explanation