vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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:
I am writing to formally dispute several accounts that have been wrongfully reported on my credit file. After carefully reviewing my credit report, I have identified accounts that were not opened by me, nor did I grant permission for anyone to use my personal information. I strongly believe these accounts are fraudulent and possibly linked to identity theft.

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 2025-06-24 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: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
According to 15 USC 1692 C, you have violated my rights by in lawful communications. Please remove this collection off of my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am a victim of identity theft, someone has used my personal information to open these fraudulent accounts. I've never gave anyone permission or authorization to open these accounts

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 2025-06-24 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: NC

Complaint narrative:
I am a victim of identity theft, someone has used my personal information to open these fraudulent accounts. I've never gave anyone permission or authorization to open these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
I take pride in maintaining a strong and responsible payment history, which is why I was deeply concerned to find a late payment on my credit report that contradicts my records. According to my financial documentation, the payment was not late and should not have been reported as such.

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am writing to dispute a collection account currently reported by Midland Credit Management , Inc., regarding an alleged debt originally held by XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ). 

I do not recognize this debt transfer, and I was never notified by XXXX or Midland Credit Management that the account had been sold or assigned. To date, I have received no official notification or debt validation, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Here is the limited information I currently have : XXXX XXXX : XXXX XXXX XXXX XXXX 

Merchant Name : Diamond Preferred Partial Account Number : XXXX Current XXXX : Midland Credit Management , Inc . 

MCM Account Number : XXXX Reported Balance : {$520.00} I am formally requesting the following : Full validation of the debt, including : A copy of the original signed agreement or statement linking me to the account Legal documentation proving the sale or transfer of this debt from XXXX to Midland The full original account number Certified mail receipt showing proof of delivery to my address and bearing my signature, confirming that I was notified of the transfer If Midland Credit Management can not provide full documentation and certified proof of delivery, I demand that the collection account ending in XXXX be immediately removed from my credit reports. 

Failure to validate this debt or correct my credit file will leave me with no choice but to take legal action to protect my consumer rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). I expect a response within 30 days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not initiate or consent to these inquiries, and they are negatively impacting my credit score and overall creditworthiness. 

The following inquiries are in question : XXXX These lenders have accessed your credit file : XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only occur with my explicit written consent. I have not applied for any credit with these entities and have no existing business relationship with them. Therefore, these inquiries were made without my authorization and should be considered fraudulent or erroneous. 

I have already contacted the credit bureaus and the companies listed, but the issue remains unresolved. I am now requesting the CFPB to assist in having these unauthorized inquiries investigated and permanently removed from my credit reports with all three major bureaus ( Equifax, Experian, and TransUnion ).

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 2025-06-24 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: CA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX To Whom It May Concern, Subject : Dispute of Fraudulent Child Support Accounts- Identity Theft and FCRA Violation Notice I am writing to formally dispute and request the removal of multiple child support-related accounts listed on my credit report that I believe are the result of identity theft. These accounts are being reported under my name and Social Security Number without my knowledge, consent, or legal obligation.

Details of the accounts in dispute : XXXX. Creditor : XXXX XXXX Department Account Type : Child Support Account Number : XXXX Status : Open Balance : {$73.00} ( Updated XX/XX/XXXX ) Late Payments : XXXX reported ( XXXX ) XXXX. Creditor : XXXX XXXX XXXX Department Account Type : Child Support Account Number : XXXX Status : Paid Off ( but reported as Open ) Balance : {$710.00} ( Updated XX/XX/XXXX ) Date Opened : XX/XX/XXXX I dispute the accuracy and validity of these accounts on the following grounds : - I have never been legally obligated or ordered to pay child support by any court. 
- I have never received any court documentation or agency notification related to these accounts. 
- The reporting agencies have not provided original creditor information or valid supporting documentation. 
- These accounts are adversely affecting my credit profile and were added without my consent or due process. 
Additionally, both the XXXX XXXX and XXXX XXXX XXXX child support accounts are being reported as 'Paid Off ' yet are still listed as 'Open. ' This contradicts the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), which requires furnishers and credit bureaus to report complete and accurate information.

Reporting paid-off accounts as still open is misleading and noncompliant. I request immediate correction or deletion of these accounts. 
In accordance with the Fair Credit Reporting Act, I request that these accounts be investigated and permanently removed or corrected on my credit reports with Experian, Equifax, and TransUnion. 
Attached to this letter are the following documents in support of my dispute : - Government-issued photo identification - Proof of address - Identity theft affidavit or police report ( if available ) - Copy of my credit report showing the disputed accounts Please complete your investigation and provide written confirmation of the results within 30 days as required by the FCRA. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/XXXX To Whom It May Concern, Subject : Dispute of Fraudulent Child Support Accounts- Identity Theft and FCRA Violation Notice I am writing to formally dispute and request the removal of multiple child support-related accounts listed on my credit report that I believe are the result of identity theft. These accounts are being reported under my name and Social Security Number without my knowledge, consent, or legal obligation.

Details of the accounts in dispute : XXXX. Creditor : XXXX XXXX Department Account Type : Child Support Account Number : XXXX Status : Open Balance : {$73.00} ( Updated XX/XX/XXXX ) Late Payments : XXXX reported ( XXXX ) XXXX. Creditor : XXXX XXXX XXXX Department Account Type : Child Support Account Number : XXXX Status : Paid Off ( but reported as Open ) Balance : {$710.00} ( Updated XX/XX/XXXX ) Date Opened : XX/XX/XXXX I dispute the accuracy and validity of these accounts on the following grounds : - I have never been legally obligated or ordered to pay child support by any court. 
- I have never received any court documentation or agency notification related to these accounts. 
- The reporting agencies have not provided original creditor information or valid supporting documentation. 
- These accounts are adversely affecting my credit profile and were added without my consent or due process. 
Additionally, both the XXXX XXXX and XXXX XXXX XXXX child support accounts are being reported as 'Paid Off ' yet are still listed as 'Open. ' This contradicts the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) ), which requires furnishers and credit bureaus to report complete and accurate information.

Reporting paid-off accounts as still open is misleading and noncompliant. I request immediate correction or deletion of these accounts. 
In accordance with the Fair Credit Reporting Act, I request that these accounts be investigated and permanently removed or corrected on my credit reports with Experian, Equifax, and TransUnion. 
Attached to this letter are the following documents in support of my dispute : - Government-issued photo identification - Proof of address - Identity theft affidavit or police report ( if available ) - Copy of my credit report showing the disputed accounts Please complete your investigation and provide written confirmation of the results within 30 days as required by the FCRA. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCF Intermediate Holdings LLC
State: PA

Complaint narrative:
I received a phone call threatening a default judgement from a payday with Check into Cash from XXXX of XXXX. I am now a resident of Pennsylvania, and have just been made aware of attempts to sue me over this debt. Per Tennessee state law, the statute of limitations on payday loan debt is 6 years, to which I was told the COVID Pandemic prevented them from taking action. I was not sick nor should that have hindered them from taking action. Also per Pennsylvania state law, the debtor has 4 years from default of the lender to sue for the balance. 
I am constantly being harassed by phone number I dont know, I answer the phone and no one speaks or refuse to leave voicemails. The gentleman that left a voicemail today XX/XX/XXXX, was rude and disrespectful, and very intimidating. 
I have attached a screenshot of the transcript of the voicemail the gentleman left. The address they referenced I have not resided at since late XXXX. 

They have made no other attempts to contact me until today. It honestly makes me suspicious if this is actually the business in question as it has been roughly 10 years. This all seems very predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because my active auto loan with XXXX XXXX XXXX, account number XXXX, is not appearing on any of my credit reports ( Experian, Equifax, or TransUnion ). I have been making regular, on-time payments and confirmed with XXXX that my account is in good standing. 

Despite this, the loan has never been reported to the credit bureaus. I contacted XXXX directly and requested that they furnish the account information to the credit reporting agencies, but the issue remains unresolved. 

This omission affects my credit profile by not showing my installment loan history, which could help improve my credit standing. 

I request that the Consumer Financial Protection Bureau investigate this matter and urge XXXX XXXX XXXX to begin reporting my loan account to all three major credit bureaus as required under the Fair Credit Reporting Act ( FCRA ). 

I am attaching statement from 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because my active auto loan with XXXX XXXX XXXX, account number XXXX, is not appearing on any of my credit reports ( XXXX XXXX, or TransUnion ). I have been making regular, on-time payments and confirmed with XXXX that my account is in good standing. 

Despite this, the loan has never been reported to the credit bureaus. I contacted XXXX directly and requested that they furnish the account information to the credit reporting agencies, but the issue remains unresolved. 

This omission affects my credit profile by not showing my installment loan history, which could help improve my credit standing. 

I request that the Consumer Financial Protection Bureau investigate this matter and urge XXXX XXXX XXXX to begin reporting my loan account to all three major credit bureaus as required under the Fair Credit Reporting Act ( FCRA ). 

I am attaching statement from 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because my active auto loan with XXXX XXXX XXXX, account number XXXX, is not appearing on any of my credit reports ( XXXX Equifax, oXXXX XXXX XXXX. I have been making regular, on-time payments and confirmed with XXXX that my account is in good standing. 

Despite this, the loan has never been reported to the credit bureaus. I contacted XXXX directly and requested that they furnish the account information to the credit reporting agencies, but the issue remains unresolved. 

This omission affects my credit profile by not showing my installment loan history, which could help improve my credit standing. 

I request that the Consumer Financial Protection Bureau investigate this matter and urge XXXX XXXX XXXX to begin reporting my loan account to all three major credit bureaus as required under the Fair Credit Reporting Act ( FCRA ). 

I am attaching statement from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX a loan in the amount of {$35000.00} for a XXXX XXXX XXXX by Navy Federal Credit Union. This is incorrect for multiple reasons. First reason is that I am not an XXXX XXXX service member, veteran, or a family of one. Navy Federal Credit Union only gives out loans to these groups. Additionally, there was no inquiry on my credit report. This leads me to believe that this loan was placed on my credit report in error rather than my identity being stolen. Another issue is that there is an address that was added to my credit profile ( XXXX XXXX XXXX XXXX, SC XXXX ) that I have never been associated with ( I am assuming that this is due to the rogue loan under my credit ) I need this removed as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief