vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint because all three credit reporting agencies have failed to follow federal law regarding the accuracy of the information being reported on my credit file. 

I previously disputed several items on my credit report and requested the required information that must be provided to me under federal law. Under 15 USC 1681i section 7, I have the legal right to receive a full description of the reinvestigation procedure your agencies used to verify the disputed information. This includes the business name, address, and telephone number of every furnisher that was contacted during the investigation. I also requested this information within the fifteen day timeframe required by law, yet I have not received it. 

The information I requested includes : The name of the original creditor The creditor address and telephone number The name of the person who verified the dispute The documentation used to validate the disputed information The procedures each bureau uses to ensure that every account reported is XXXX XXXX percent accurate Your failure to provide any of this information raises serious concerns. Under 15 USC 1681e b, you are required to maintain procedures that ensure maximum possible accuracy in every credit file. If you can not provide the evidence used to verify the disputed accounts then you are required by law to remove the inaccurate information from my report. If your procedures were not followed I am requesting immediate removal of all disputed and unverifiable items or that you reopen the investigation and conduct a proper reinvestigation. 

Your agencies have also been made aware that failure to comply with federal requirements may result in civil liability. Under 15 USC 1681n and 15 USC 1681o, you may be held responsible for willful or negligent noncompliance with the Fair Credit Reporting Act. Continued failure to provide the legally required documents leaves me no choice but to pursue litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX  AND XXXX  LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-11-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
On XX/XX/year>, I visited a JCPenney store to purchase clothing. 
The cashier asked for my drivers license, stating it was needed to apply a discount. 
I provided my ID only for that purpose and did not give consent to apply for any credit card. 

I never provided my Social Security number, never signed any credit application, and was not told that a credit card application was being made. 

On XX/XX/year>, without my knowledge or authorization, a XXXX  credit card account was opened under my name by Synchrony Bank. I discovered this only after seeing the new account appear on my credit report. 

This unauthorized account negatively impacted my credit profile and caused confusion and stress. I immediately contacted Synchrony Bank and requested closure of the account as unauthorized. They told me it may take up to 60 days to remove it and will send me a letter in 710 business days.

I want this account and the associated hard inquiry removed from all credit bureaus as it was opened without my consent. I am requesting an investigation into this unauthorized account opening by JCPenney/Synchrony Bank .

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 2025-11-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: UT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXX, XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-11-28 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:
Please give this entry a quick review ; I finished it much later than planned.

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 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a complaint against Midland Credit Management ( MCM ) for attempting to collect an inaccurate and unauthorized debt allegedly originating from a XXXX  XXXX, XXXX. ( XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX account in the amount of {$590.00} and XXXX. 

I have reason to believe this account is the result of identity theft and/or is otherwise not my responsibility. I have previously disputed this account and provided supporting documentation, including an FTC Identity Theft Report and a police report. Despite this, Midland Credit Management continues collection attempts via email. 

In their communication, MCM states the debt is too old for them to sue, yet they continue attempting to induce payment. This practice is misleading and violates the Fair Debt Collection Practices Act ( FDCPA ), particularly regarding false or deceptive representations and unfair collection practices. 

Additionally, continuing to pursue collection after being notified of identity theft constitutes a failure to reasonably investigate and validate the debt. 

I am requesting that Midland Credit Management immediately cease all collection activity, permanently delete this account from any credit reporting agency files if reported, and provide written confirmation that the matter has been closed. 

This complaint is submitted pursuant to the FDCPA and FCRA, and I request intervention by the CFPB to ensure compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX  AND XXXX  LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Legal Basis : 15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data.

15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information.

15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. 
Legal Precedent : In XXXX XXXXXXXX XXXX XXXX, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors 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 2025-11-28 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: MI

Complaint narrative:
I am submitting this dispute regarding inaccurate late payment reporting on my credit report. I am relying on the protections afforded under federal law to ensure that my credit information is reported accurately and fairly. 
Late account : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Legal Basis : 15 U.S.C. 1666b Fair Credit Billing Act ( FCBA ) : Requires accurate crediting of payments and prohibits misreporting late payments. Any reporting of late payments that do not accurately reflect my payment history violates this law. 
15 U.S.C. 6802 Gramm-Leach-Bliley Act ( GLBA ) : Prohibits the disclosure of false payment information. Reporting inaccurate late payments constitutes unauthorized disclosure of false data.

15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Fair Credit Reporting Act ( FCRA ) : Ensures that all credit reports contain only accurate and current payment information.

15 U.S.C. 1681s-2 FCRA : Obligates furnishers of information to report accurately and to correct errors once notified. 
Legal Precedent : In XXXX XXXXXXXX XXXX XXXX, the court confirmed that credit bureaus must verify and correct inaccurate late payment reporting rather than blindly accepting the creditors report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-27 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 explanation
Consumer complaint received 2025-11-28 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$1800.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Since XX/XX/year>, multiple times by mail and email, I have asked for the documentation and information used to place information about a mortgage on my credit reports. The company will not respond. I have had social services ask for the information. The request was ignored. I have no way to contact the company by phone because my phone number is not on the account. This is contributing to ongoing financial abuse by my family. Please stop enabling her and give me the information, as I am entitled to under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: AZ

Complaint narrative:
I authorized a payment after an agreement made with Midland Credit Management to settle my debt and delete from all tradelines with a single payment. The payment was made the same day and their systems fraudulently claimed I did not make the payment. The payment I made on the XXXX has been completely erased from their system and their second attempt to charge me on the XXXX shows as declined. Therefore, it shows as though I did not make the payment although the funds have been approved and taken out of my account immediately after I authorized the transaction on the XXXX. I have attached proof of this.

Company response to consumer: Closed with explanation