vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Marlette Funding, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I filled a dispute with XXXX XXXX in regards to the company Best EggXXXX XXXX XXXX  for debt that is not mine. After I received results both accounts balances which equals to {$16000.00}, I was approved for my disputes on XX/XX/XXXX and these accounts were supposed to be removed XXXX as these accounts are a violation of my consumer rights for using predatory practices to try and obtain funds from me. This company did not respond to my phone calls back in XXXX of XXXX in relation to the letter that was sent to my residence. TransUnion does not want comply with consumer credit laws as my results was approved through XXXX XXXX website. I have visible proof and documentation of what I am stating is true. Also these accounts were removed from XXXX  and XXXX due to these accounts not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: NY

Complaint narrative:
My identity was stolen and used to open fraudulent accounts that are now showing up on my credit report. I filed an FTC identity theft report, a police report, submitted my ID and proof of address, and uploaded everything through Experians portal. Yet the accounts are still there, and no one has taken action.

Whats even worse my report now shows multiple incorrect Social Security numbers that do not belong to me. This is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which clearly states that fraudulent items must be blocked within 4 business days once a valid identity theft report is submitted.

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 2025-06-28 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: NY

Complaint narrative:
My identity was stolen and used to open fraudulent accounts that are now showing up on my credit report. I filed an FTC identity theft report, a police report, submitted my ID and proof of address, and uploaded everything through Experians portal. Yet the accounts are still there, and no one has taken action.

Whats even worse my report now shows multiple incorrect Social Security numbers that do not belong to me. This is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which clearly states that fraudulent items must be blocked within 4 business days once a valid identity theft report is submitted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There has been inaccuracy on my credit report due a collection account that was placed on my report that I do not know about, I have nothing to do with all these inquires neither do I ever have any association with the collection, reporting inaccurate information on my credit report, violated my consumer right please remove. 

. XXXXXXXX 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 2025-06-28 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: Experian Information Solutions Inc.
State: TX

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.

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 antedates the report by more than XXXX 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 explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
Employees at XXXX Honda forged my signature to open up an account with the lender. The lender will not remove or cancel the fraudulent loan. I did contact the police and I filed a police report. I do have proof the documents were signed while I wasn't present at the time of signing. I did not authorize this loan at all. The contract sent in to the lender does not have my signature, it was forged. The signature was forged remotely by someone with the IP address : ( XXXX ) I was no where near and the IP address belongs to a business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-28 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: Ray Skillman Ford Inc
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Unauthorized or Inaccurate Credit Inquiries Reported by XXXX Dear CFPB, I am filing this formal complaint regarding multiple unauthorized and/or unverifiable hard inquiries appearing on my XXXX credit report dated XX/XX/XXXX. These inquiries were not initiated or expressly authorized by me, and they are negatively affecting my credit score. 

The following inquiries appear on my report without proper justification or permissible purpose under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ) : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Ray Skillman Ford XX/XX/XXXX According to FCRA 1681b ( a ), a consumer reporting agency may only furnish a credit report under limited and specific circumstances. I did not authorize these inquiries in writing, nor did I initiate any applications for credit or services with these entities around the stated dates. As such, these entries may represent violations of my consumer rights, including : Lack of permissible purpose ( FCRA 1681b ) Failure of XXXX  to properly verify or investigate ( FCRA 1681i ) Inaccurate reporting resulting in harm to my credit profile ( FCRA 1681e ( b ) ) I have already contacted XXXX and requested the permanent removal of these inquiries. I am now requesting that the CFPB investigate these potentially unlawful entries and hold both XXXX  and the named companies accountable for any violations of federal consumer protection laws. 

Please confirm receipt of this complaint and inform me of any updates or actions taken. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Unauthorized or Inaccurate Credit Inquiries Reported by XXXX  Dear CFPB, I am filing this formal complaint regarding multiple unauthorized and/or unverifiable hard inquiries appearing on my XXXX  credit report dated XX/XX/XXXX. These inquiries were not initiated or expressly authorized by me, and they are negatively affecting my credit score. 

The following inquiries appear on my report without proper justification or permissible purpose under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ) : XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA 1681b ( a ), a consumer reporting agency may only furnish a credit report under limited and specific circumstances. I did not authorize these inquiries in writing, nor did I initiate any applications for credit or services with these entities around the stated dates. As such, these entries may represent violations of my consumer rights, including : Lack of permissible purpose ( FCRA 1681b ) Failure of XXXX  to properly verify or investigate ( FCRA 1681i ) Inaccurate reporting resulting in harm to my credit profile ( FCRA 1681e ( b ) ) I have already contacted XXXX and requested the permanent removal of these inquiries. I am now requesting that the CFPB investigate these potentially unlawful entries and hold both XXXX and the named companies accountable for any violations of federal consumer protection laws. 

Please confirm receipt of this complaint and inform me of any updates or actions taken. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CHERRY TECHNOLOGIES INC.
State: WA

Complaint narrative:
This XX/XX/XXXX I was referred to Cherry Technologies by my dentist in order to make payments on a large dental bill. Unknown to me initially, Cherry immediately debited my checking account in the amount of {$380.00} as soon as I completed creating an account which required an account number in order to proceed in setting up a payment plan. I received no account confirmation nor was I notified about their charge from my account. On XX/XX/XXXX I spoke to XXXX via chat who cancelled auto pay on my account and agreed to change my due date for payments to the XXXX of each month to eliminate hardship with my paying on the first of the month. They provided this address to send my payment checks to : Cherry Technologies, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I began receiving harassing phone calls, emails and texts stating my payment was past due, ( I mailed it on XX/XX/XXXX ) and that I would lose my promotional XXXX if I didnt pay immediately. Upon checking my bank statement, I saw that my payment had cleared on their end on XX/XX/XXXX, 5 days prior to my due date. Without exception, this harassment and bullying has continued every month with my bank statement showing these checks have cleared on Cherry 's end prior to my payment due date. Additionally, my credit score was at XXXX before getting signed up with Cherry and appears to have declined into the XXXX. With each communication with Cherry Im told payment was not received. The only conclusions I can draw are that their staff members are completely incompetent, there is no communication between departments, or somebody within their company is embezzling funds. I have screenshots of every payment Ive made that's cleared and the chat, which confirmed my payment plan. 

Please look into what is going on with this company as the they are wreaking unwarranted havoc with mine and probably the credit ratings of many others. Being accused every month, without fail, of being a delinquent in paying financial obligations which have been paid, is abusive and causes unnecessary stress. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: GA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account XXXX and XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation. Under 15 U.S.C. 1681 S2 A, furnishers must report accurate information. Under 15 U.S.C. 1681 I, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting. Under 15 U.S.C. 1681s-2 ( a ), furnishers must report accurate information. Under 15 U.S.C. 1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative reporting. 

In addition, the creditor appears to be in violation of 15 U.S.C. 1666b, which requires that payments be credited as of the date received, and that reasonable procedures are in place to avoid reporting payments as late when they were made on time. Any failure to properly apply my payment in a timely manner that results in a false delinquency is a clear violation of this federal requirement. 

This information continues to harm my credit unfairly. I am requesting that the CFPB intervene to ensure that all credit reporting agencies and furnishers comply fully with the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), and that all inaccurate or unverifiable negative information is permanently removed from my credit reports.yes

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 2025-06-28 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  XXXX XXXX and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-06-28 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: CA

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.

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 antedates 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
Consumer complaint received 2025-06-28 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: Experian Information Solutions Inc.
State: OH

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.

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 antedates 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 explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I received a collection notice from ProCollect, LLC for a utility debt originally owed to XXXX XXXX, dated XX/XX/year> ( Account # XXXX ). I mailed a certified dispute letter to ProCollect requesting full validation, including proof of debt ownership, itemized charges, and verification of their right to collect. 

I have proof that the letter was delivered and signed for, but they never responded. Under the FDCPA and Texas Finance Code 392.202, ProCollect is required to validate the debt before continuing collection activity. Their failure to respond violates these laws. 
I am filing this complaint to document their noncompliance and to prevent future reporting, collection, or resale of this unverified debt.

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 2025-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
A default judgment in the amount of {$31000.00} was entered against me in a lawsuit filed by XXXX XXXX XXXXXXXX, successor by merger to XXXX XXXX, and represented by Rausch Sturm LLP. I believe the debt collection and legal action were pursued without valid documentation or proper assignment. 

The bill of sale provided does not include my name or account number, and the law firm has filed a court document that is not notarized. Additionally, the merger between XXXX and XXXX XXXX ( effective XX/XX/year> ) raises serious concerns about who owns the debt and whether it was lawfully assigned. 

No full validation of the debt was provided before legal action was taken, and I am now requesting an investigation to confirm whether the firm had the authority to sue or collect. Supporting documents, including the final judgment, bill of sale, and merger evidence, are attached. 

I am asking that the CFPB intervene to : Pause or review enforcement of the judgment Require full validation and legal documentation Remove or correct any credit reporting related to this matter I respectfully request resolution within 15 business days of this submission. If the matter is not corrected in that time, I reserve the right to seek further legal remedies and escalate to state or federal enforcement channels.

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