vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: EQUIFAX, INC.
State: CO

Complaint narrative:
I sent two letters in XXXX and four in XXXX, including a letter listing the items that should be removed, two copies of my address ( bills or other documents ), a copy of my identification, and a copy of my identity theft report. I provided everything necessary for them to remove the inquiries, but they refuse to do so. 
I sent letters and also called them after they received them, but they always put up barriers and excuses. On different calls different days and the same letters and documents, they told me : '' You need to send a copy of your SSN. '' " Your report is old ; you need to submit a new theft report. '' The report is not well made. 
'' The date of one of your inquiries in your request letter does not match our records. '' " We need your SSN. '' They always create obstacles, both over the phone and through letters. I sent the same letter with the same documents to XXXX  and XXXX, and they removed the inquiries without major issues. Equifax, however, keeps making it difficult, working to benefit corporations instead of consumers. 
This is affecting my credit score and my ability to get major loans due to their bad practices. I do not recognize the hard inquiries on my credit report, and I never authorized them. I have kindly asked Equifax to remove them from my credit report. 
Every time they ask for a new theft report, I tell them this is insaneI can not submit another report if one has already been made. It doesnt make sense. They never want to remove anything over the phone ; they always insist on letters. I refuse to send a copy of my SSN because they already have my information. 
In the FTC theft report attached, you can see in the 'Personal Statement ' that I detailed every inquiry because the section labeled 'Credit Inquiries ' does not have enough space to list all of them. 

Equifax is violating the Fair Credit Reporting Act ( FCRA ) in my case. The FCRA requires credit bureaus to investigate disputes properly and ensure the accuracy of consumer credit reports. Here are potential violations : - Failure to Conduct a Proper Investigation -The FCRA mandates that credit bureaus must investigate disputes and consider all supporting documents. Equifax is ignoring my identity theft report and supporting evidence, they are violating this requirement. 

Unreasonable Barriers to Dispute Resolution Credit bureaus can not create unnecessary obstacles for consumers trying to correct errors. If Equifax repeatedly asked for additional documents ( like your SSN ) despite already having sufficient proof, this could be considered an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
Experian supposed to block negative account ending in XXXX that's 30 days late there a federal trade identity report on filed normally the item is removed from the Experian credit report my social security 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 2025-05-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
IQ Data XXXX is placing false charges on my credit. Havent lived at XXXX  XXXX XXXX  for several months. I Left the complex with {$0.00} owed on the apartment. Theyve randomly placed collections on my account. The other day of {$770.00}, I received no notification and left the apartment complex with {$0.00} owed. I moved on XX/XX/year> and was charged for half of the month not the full. I have screenshots to show the last payment confirmation and the months prior. I was not contacting about any existing charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: AZ

Complaint narrative:
On or around XX/XX/year> I applied for financing with Easy Pay Finance using my business 's XXXX : XXXX. I was subsequently approved. At no point during the application process did I provide or authorize the use of my personal Social Security number XXXX for this credit application. 
It has come to my attention that Easy Pay Finance has seemingly attached this approval and the resulting debt to my Social Security number. This is incorrect and unauthorized. My business operates under the aforementioned XXXX, and all credit applications were intended to be associated with that identifier.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Bridgecrest XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Request for Verification of Account DetailsAccount Number : XXXX To Whom It May Concern : This correspondence serves as a formal request regarding the above-referenced account, which appears with derogatory information on my XXXX  credit report dated XX/XX/year>. 

Please be advised that the reported information appears to contain discrepancies. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 1681s-2 ), I respectfully request that you provide the following : The date of delinquency associated with the account ; The date the account was charged off, if applicable ; The date of last payment received on the account ; The current status of the account ( e.g., charged off, paid, settled, etc. ). 

Please provide your full response in writing within thirty ( 30 ) days of receipt of this notice. This request is made to ensure maximum possible accuracy under the Fair Credit Reporting Act. 

Failure to respond appropriately may constitute a violation of federal law and may result in enforcement actions to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I am experiencing an issue with potentially illegal debt collection practices by Midland Credit Management. They have reported a debt on my credit report that they claim to have purchased from XXXX XXXX XXXX XXXX on XX/XX/XXXX. However, I have documentation proving that XXXX had previously sold or assigned this same debt to XXXX XXXX XXXX XXXX XXXX in XXXX. 

I have multiple collection letters from XXXX XXXX XXXX dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( reference numbers XXXX and XXXX ), demonstrating they were actively collecting on this debt throughout XXXX. It appears XXXX has sold the same debt twice, and Midland Credit Management is now attempting to collect on a debt they XXXX not legally own. 

Additionally, there are significant discrepancies in the reported debt amounts : - XXXX statement ( XX/XX/XXXX ) : {$13000.00} - XXXX XXXX XXXX ( XXXX ) : {$14000.00} - Midland Credit Management ( current ) : {$14000.00} I have sent a dispute letter to Midland Credit Management on XX/XX/XXXX, requesting validation of the debt and challenging their right to collect. I have also sent dispute letters to all three major credit bureaus regarding the inaccurate reporting. 

I sent a formal dispute letter to Midland Credit Management on XX/XX/XXXX, via certified mail. I am awaiting their response. 

Supporting Documentation I have the following documentation available to support my complaint ( copies can be provided upon request ) : XXXX. XXXX XXXX XXXX collection letters from XXXX ( XXXX different dates ) XXXX. XXXX statement from XX/XX/XXXX XXXX. XXXX letter confirming sale to Midland dated XX/XX/XXXX XXXX. Midland Credit Management collection letter dated XX/XX/XXXX XXXX Credit report showing Midland 's tradeline XXXX. Dispute letters sent to Midland and the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
This complaint is against the XXXX XXXX regarding account XXXX. I sent a dispute to the collection agency, and they said they would remove this account, but I am still seeing it on my credit report. I also sent a dispute letter to the XXXX XXXXXXXX  in XXXX informing them of this and they still failed to remove this account. The company sent me correspondence XX/XX/year>2025, which was forwarded so I'm confused as to why this account is still reporting. Attached is the letter from XXXX XXXX XXXX. I am demanding that this account is removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: OH

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: FL

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: GA

Complaint narrative:
Filing a Complaint Against XXXX XXXX XXXX XXXX  for Unauthorized Advertising of Inaccurate Information Without Consent I, [ XXXX : XXXX ] XXXX am filing this formal complaint against the credit reporting agenciesXXXX XXXX XXXX XXXXdue to the unauthorized and inaccurate reporting of accounts on my credit report that do not belong to me. These accounts were included without my consent or knowledge, and I have reason to believe this is either a clerical error or fraudulent activity. Despite my repeated attempts to resolve this issue, including filing formal complaints over the past XXXX months, I have not received a satisfactory response or resolution. The presence of these inaccurate accounts is causing undue stress and potential damage to my financial reputation.The credit reporting agencies have been using my personal data without my written consent, in violation of * * 15 U.S.C. 1681s-2 ( b ) * *, which mandates that furnishers of information ( including credit reporting agencies ) must investigate disputes and correct inaccurate information upon notice. These agencies have failed to fulfill this obligation, continuing to report erroneous data that could negatively impact my creditworthiness and financial standing. 

As a result, I am formally requesting an investigation into this matter. This may involve potential fraud or a failure to properly protect consumer rights under the Fair Credit Reporting Act ( FCRA ). Due to the agencies failure to resolve my complaints in a timely manner, I am also preparing to pursue legal action, including filing charges and initiating a small claims court case.The inaccurate accounts appearing on my credit report do not belong to me, nor have I ever authorized or opened any of these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: TN

Complaint narrative:
I am submitting a formal complaint concerning an account reporting discrepancy between Equifax and XXXX. Specifically, my XXXX XXXX credit card account ( ending in XXXX ) is inaccurately reported by Equifax as having a credit limit of only {$600.00} and a balance of {$0.00}, with the last update dated XX/XX/year>. However, XXXX  reflects a more recent update as of XX/XX/year>, showing the correct balance of {$33.00} and a credit limit of {$7100.00}. This outdated and incorrect information from Equifax does not accurately represent my credit usage and impacts my credit profile negatively. 

I respectfully request the CFPB to investigate this issue and require Equifax to promptly update the credit limit to {$7100.00} and reflect the accurate balance as reported by XXXX. Accurate and timely reporting across all bureaus is critical to maintaining a fair and consistent credit profile. 

Attached to this claim is proof of the inconsistency in Equifax, proof of the XXXX  account report that correctly reports the information, my driver 's license, and proof of address for verification. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Sum Investments, Inc.
State: CA

Complaint narrative:
the company kept leaving messages. intimidating voice saying they were calling about payment. I told them daily which I left messages stating that due to 2 weeks of XXXX XXXX I was going to have to make the payment late. It has not been a month and The payment due was not 30 days late and they came and got car out of my driveway during the middle of the night. No forms were left saying an amount I had to pay in order to get car back. I did not get nothing nothing from the company. They did not leave me a message stating it was the next step. I was also told That I had no insurance, and I maintained that the entire time I had the car. That was false information on their part. I also told them that the orginal contract was wrong because it states that I traded in a vehicle that I did not do. This is false. Their known intentions were never expressed and I registered on the website to make a payment the system would not allow me to make that payment. The contact I made was the week of XXXX XXXX XXXX. XX/XX/XXXX the car was taken during the middle of the night.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CA

Complaint narrative:
My wallet was lost or stolen in XXXX in XXXX XXXX  casino and i got an alert from my XXXX XXXX. Transunion is reporting some information that does not belong to me in my credit report and these accounts may have been opened using my ID and wallet ... the XXXX accounts are XXXX XXXX ' for {$2500.00} ' and XXXX XXXX XXXX for {$10000.00} i have never done business with these companies and have not inquired for credit. I did not inquire for credit with XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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

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 2025-05-04 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 CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that TransUnion promptly block the fraudulent and unauthorized accounts listed below from my consumer credit report within four business days of receiving this notice. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I dispute the accuracy and completeness of these items and demand a proper reinvestigation and removal as required by federal law.

The fraudulent accounts appearing on my credit file include : A collection account with XXXX XXXX XXXX XXXX opened on XX/XX/year>, with a balance of {$290.00} A collection account with XXXX XXXX opened on XX/XX/year>, with a balance of {$1200.00}

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 non-monetary relief
Consumer complaint received 2025-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX, TX XXXX XX/XX/year> Capital One Auto Finance P.O. XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Subject : Request for Verification of Account DetailsAccount Number : XXXX To Whom It May Concern : This correspondence serves as a formal request regarding the above-referenced account, which appears with derogatory information on my Experian credit report dated XX/XX/year>. 

Please be advised that the reported information appears to contain discrepancies. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 1681s-2 ), I respectfully request that you provide the following : The date of delinquency associated with the account, if applicable ; The date of last payment received on the account ; The current status of the account ( e.g., paid, settled, closed, etc. ). 

Please provide your full response in writing within XXXX ( XXXX ) days of receipt of this notice. This request is made to ensure maximum possible accuracy under the Fair Credit Reporting Act. 

Failure to respond appropriately may constitute a violation of federal law and may result in enforcement actions to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: 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. 

Convergent Account # XXXX * * * * ( Transunion ), XXXX * * * * ( Experian ), XXXX * * * * ( Equifax ) has violated my rights. 

I am writing to formally dispute a fraudulent account that appears on my Transunion, Equifax, and Experian credit report. I recently obtained a copy of my credit report and discovered information that does not belong to me. This account was not opened or authorized by me, and I believe I have been a victim of identity theft. 

15 U.S.C 1681 section 602 A. 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 antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 non-monetary relief
Consumer complaint received 2025-05-03 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: 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. 

Convergent Account # XXXX * * * * ( Transunion ), XXXX * * * * ( Experian ), XXXX * * * * ( Equifax ) has violated my rights. 

I am writing to formally dispute a fraudulent account that appears on my Transunion, Equifax, and Experian credit report. I recently obtained a copy of my credit report and discovered information that does not belong to me. This account was not opened or authorized by me, and I believe I have been a victim of identity theft. 

15 U.S.C 1681 section 602 A. 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 antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 response to consumer: Closed with explanation