vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
To : EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion, XXXX. XXXX XXXX, XXXX, PA XXXX CC : Consumer Financial Protection Bureau, XXXX. XXXX XXXXXXXX XXXX IA XXXXXXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX : Demand for Permanent Removal and Block Under FCRA 1681c-2 ( 605B ), 1681e ( b ), 1681i, 1681s-2 ( b ), Metro 2 Violations ; {$3000.00} Damages Dear XXXX XXXX TransUnion, and XXXX XXXX Auto XXXX I demand the immediate and permanent removal and block of the following inaccurate and potentially fraudulent account from my credit reports, as it continues to reappear despite prior disputes, indicating misuse of my report and multiple violations of the Fair Credit Reporting Act ( FCRA ). This account violates FCRA 1681c-2 ( Section 605B, requiring blocking of identity theft-related information ), 1681e ( b ) ( accuracy procedures ), 1681i ( dispute investigations ), 1681s-2 ( b ) ( furnisher duties to investigate and correct ), and Metro 2 guidelines ( e.g., inconsistent reporting across bureaus, unverifiable balances and statuses ). 

I have requested ACDV ( Automated Credit Dispute Verification ) reports from all bureaus and the creditor to investigate how this information persists. Inconsistencies include : deletion on XXXX ( Report # XXXX, XX/XX/XXXX ) but an email stating it remains unchanged ( Report # XXXX, XX/XX/XXXX ) ; {$0.00} balance closed on XXXX  ( XX/XX/XXXX ) ; and {$21000.00} balance closed on TransUnion ( XX/XX/XXXX ). This suggests willful non-compliance, entitling me to {$3000.00} in statutory and actual damages for ongoing harm ( e.g., credit denials, stress ), plus attorney fees under 1681n. 

Account for Permanent Removal and Block : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX : XXXX, Violation : Reappearing despite disputes, inconsistent balances/statuses across bureaus ; 1681c-2 fraud/misuse block required, Balance : Varies ( {$0.00} to {$21000.00} ), Demand : Permanent delete and block ; admit deletion ; {$3000.00} damages.

Block this under 1681c-2 ( 605B ) within 4 business days and confirm permanent removal with updated reports within 5 days. Provide ACDV reports immediately. Non-compliance will lead to a federal lawsuit and CFPB/FTC escalation ( complaints filed ).

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
A collection account from your organization has appeared on my credit report without any prior notification or communication regarding the alleged debt, raising immediate concerns about the legitimacy and accuracy of this entry. I have no recollection of owing the amount being claimed, and the sudden appearance of this collection item suggests potential errors in your records or possible confusion with another individual 's account. This unexpected negative mark has already begun to damage my credit profile and threatens to interfere with my financial stability and creditworthiness. Given the questionable nature of this alleged obligation and the lack of any previous correspondence, I am disputing the validity of this debt and demanding comprehensive documentation to support your collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLAND CREDIT MANAGEM AND XXXX XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM AND XXXX XXXX XXXX XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-16 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: OK

Complaint narrative:
hi my name is XXXX XXXX XXXX and i noticed these fraudulent accounts still reporting on my credit report, these accounts do not belong to me and i would like them removed immediately!

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 2025-09-16 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: OK

Complaint narrative:
hi my name is XXXX XXXX XXXX and i noticed these fraudulent accounts still reporting on my credit report, these accounts do not belong to me and i would like them removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: UT

Complaint narrative:
On XX/XX/year> I opened my mail and received 2 letters from CHIME, each containing 1 credit card and 1 debit card. I DID NOT request these or open an account with CHIME. 

I did a quick XXXX search to see if this was like other companies that promote their cards but they do not send these as promotions. 

I found the customer support number for CHIME and reported this through the fraud line to close the cards and pursue the account closure. 

They did not provide me with information on how I will be notified of the accounts being closed, but did inform me that the cards were de activated ( even though I never activated the cards, so I think that means that the account is closed? )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a formal dispute of fraudulent accounts that have been reported under my credit record. I have never authorized, owned, or maintained these accounts, and their inclusion is false and damaging. They present an inaccurate picture of my financial history and have negatively impacted my ability to secure credit on fair terms.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing the inaccurately reported late payment on my credit report. My records confirm a consistent pattern of on-time payments, and this negative entry is clearly an error. Its presence unfairly harms my financial standing and misrepresents my payment behavior.

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 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing the fraudulent accounts currently appearing on my credit report. I did not open, authorize, or have any association with these accounts, and their inclusion is false, damaging, and misleading. Their presence has created an inaccurate representation of my financial history and has unfairly harmed my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MO

Complaint narrative:
This is my FIFTH and FINAL NOTICE regarding the fraudulent information being reported on my consumer file in violation of FCRA 605B. You have repeatedly failed to comply with your obligations to block this information after receiving a valid FTC Identity Theft Report and supporting documents.

The continued reporting of these accounts and inquiries is damaging, unlawful, and considered WILLFUL NONCOMPLIANCE, which entitles me to seek ACTUAL AND STATUTORY DAMAGES under 15 U.S.C. 1681n. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that have been reported in error under my name. These accounts do not belong to me, were not authorized, and their presence is both false and harmful. Their inclusion has damaged my financial standing and misrepresented my credit history.

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 2025-09-16 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
When I contacted Prosper regarding my closed credit card account, I was met with extremely rude and dismissive customer service. The representative I spoke with was not only unhelpful, but also disrespectful refusing to provide any clear information or support. I explained that I am currently unemployed and trying to resolve the balance in good faith, but I was immediately shut down and told there are no settlement or hardship options, with no explanation or empathy. 

Additionally, when I expressed privacy concerns and requested that all communication be conducted via email only, the rep insisted on sending physical letters, which I explicitly declined. This kind of inflexible, disrespectful treatment toward someone asking for help is unacceptable and has only caused more stress and confusion. I believe Prospers customer service practices in this case were both unfair and unprofessional.

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 2025-09-16 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: FL

Complaint narrative:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX, I do not have a contract with SW CRDT SYS, and they did not provide me with the original contract as requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates ( PRA ) for reporting and attempting to collect an alleged debt that has not been properly validated. Their actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Violations and Concerns : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 PRA is furnishing information to consumer reporting agencies that has not been proven accurate.

Despite disputes, this account remains on my credit reports, violating the FCRAs requirement for maximum possible accuracy.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g PRA has failed to provide competent validation of the alleged debt. 

Continuing to report or attempt collection without producing proof of liability is a direct violation of federal law. 

Consumer Harm This account has been disputed multiple times. PRA has not supplied proper documentation or proof of ownership/assignment of the alleged debt, yet it continues to damage my creditworthiness and financial stability.

Resolution Sought : I respectfully request the following corrective actions : Permanent Deletion Immediate removal of the PRA tradeline from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ).

Cessation of Collection Activity PRA must stop reporting or attempting to collect unless full legal validation is provided, in compliance with the FDCPA and FCRA. 

Written Confirmation I request written proof that the account has been deleted and will not be reinserted without full compliance with consumer protection laws. 

Compliance Assurance PRA must certify adherence to all provisions of the FCRA and FDCPA to prevent future violations. 

I am asking the CFPB to investigate this matter and take all necessary actions to ensure my consumer rights are protected, and the inaccurate reporting is permanently deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: WV

Complaint narrative:
This will be my 3rd letter to KIKOFF regarding inaccurate late payment reporting. My payments have not been late on neither accounts, yet derogatory notations are left and continue on being on my report. I have provided Kikoff with the sufficient opportunity to correct this error, but the account remains inaccurately reported. I am requesting the CFPB assistance to ensure the removal of these false late payment entries and to protect my rights under The Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation