vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: NE

Complaint narrative:
the furnisher and CRAs have proven one thing : they are intentionally violating consumer protection laws with reckless disregard. I have cited FCRA Sections 609 ( a ), 611 ( a ), and 623 ( b ), and I have referenced Metro 2s technical guidelines, yet theyve continued to report noncompliant, outdated, and unverifiable data.

They have provided no signed contracts, no chain of custody, and no proof of accuracy. Continuing to report this data is a UDAP violation, and it exposes these agencies to regulatory fines and civil lawsuits.

This isnt a mistakeits willful, harmful, and unlawful.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
XXXX XXXX XXXX AND LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX ANDLJ ROSS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX - XXXX AND XXXX is 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am writing you about the compromising of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. The information listed below, which appears on my credit report, does not relate to any inquires I have ever made. It is the result of identity theft. 
XXXX. The Inquiry was not authorized XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX. The XXXX was authorized XXXX XXXX Date of inquiry : XX/XX/year> XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Financial Services LLC Re : Account # XXXX Credit Reporting Dispute & Validation Demand To Whom It May Concern, This letter serves as a formal dispute of inaccurate information being furnished regarding the above-referenced account. Ally Financial is reporting late payments that are incorrect, misleading, and damaging to my credit history.

Statutory Requirements Under 15 U.S.C. 1666b, payments must be credited as of the date of receipt. If you contend that my payments were late, you are required to provide documented proof that such payments were received more than 21 days before the contractual due date and were not properly credited.

Further, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers must ensure that all information provided to consumer reporting agencies is accurate and complete. 

Securitization Context It is my understanding that this loan may have been pooled, assigned, or transferred into a securitized trust. In such cases, Ally Financial is acting merely as a servicer and does not have beneficial ownership of the debt.

You must validate : 1. Chain of title and ownership of this account. 
2. Payment history ledger showing date of receipt of each payment.

3. Proof of delinquency, specifically for the reported Days Late History ( 30 : 160 ; 60 : 90 ).

Requested Action I demand that you : Investigate the reporting of late payments.

Produce documentation showing compliance with 15 U.S.C. 1666b.

Correct inaccuracies with the credit bureaus.

Provide written confirmation of findings.

This constitutes a formal notice of dispute. You are required to complete your investigation within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me.

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

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 2025-08-27 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: TX

Complaint narrative:
Attempts to collect a debt in the amount of {$2300.00}. I do not recognize this. I dont believe the debt belongs to me. Please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: DC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: DC

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 2025-08-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: OH

Complaint narrative:
Experian is reporting false inquiries on my credit report. The inquiries that are reporting do not belong to me. When I was on a trip somebody got a hold of my personal information. I was a victim of identity theft. If these inquiries are not removed, I will file litigation. I am entitled to XXXX dollars per violation and clearly, they violated my rights. 

I also sent a letter asking them to provide me a description of how they verify how this late payment is accurate. But they did not. This is a violation of my federal rights. Can you help me fix this matter asap. This letter has caused me stress. 

I constantly check my credit report and notice that the errors and false misleading information for individuals accounts didn't quite meet the credit reporting standards of being 100 % accurate. This has damaged me and held me back from some time now. My life has been affected alot from this false information. I'm demanding CFPB to enforce the correction and or deletion of the items.

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 2025-08-27 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: MO

Complaint narrative:
Credit Reporting Agencies : XXXX, Experian, XXXX Furnisher : XXXX. XXXX, XXXX ( for XXXX XXXX account XXXX. XXXX ) Statement : I am a victim of identity theft. A fraudulent collection account is being reported on my credit file by XXXX. XXXX, XXXX for XXXX XXXX ( Account XXXX. XXXX ). This account was opened without my knowledge, consent, or authorization. 
I have submitted the following to the credit reporting agencies : A copy of my government-issued ID and Social Security card A copy of my Identity Theft Police Report ( Report No. XXXX, XXXX Police Department ) A written dispute under the Fair Credit Reporting Act ( FCRA ) identifying the fraudulent account Despite this, the account remains on my credit report, causing ongoing harm.

Violations of Federal Law : 1. FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires the credit reporting agencies to block fraudulent information within 4 business days after receiving proof of identity, an identity theft report, and identification of the disputed account. 
XXXX Experian, and XXXX have failed to block this account within the required timeframe.

2. FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Gives me the right to obtain application and transaction records related to fraudulent accounts. 
XXXX. XXXX has failed to provide me with these records upon request. 
3. FCRA 611 ( 15 U.S.C. 1681i ) Requires the CRAs to conduct a reasonable reinvestigation within 30 days.

Instead of properly blocking the account under 605B, the CRAs are improperly handling this as a standard dispute. 
4. FCRA 623 ( a ) ( 6 ) & ( b ) ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting information they know or should know results from identity theft. 
XXXX. XXXX continues to report the fraudulent account despite being notified.

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 2025-08-27 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: TX

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of fraudulent unauthorized hard inquiries on my credit report. I am a verified victim of the XXXX  Data Breach, and as a result, my personal information has been compromised and exposed. I did not give anyone authorization to input these hard inquiries on my credit 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 2025-08-27 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: SC

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 2025-08-27 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: NC

Complaint narrative:
MIDLAND CREDIT MANAGEM AND XXXX XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM AND XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
My mortgage company has been operating poorly since XX/XX/year> and I have been back and forth with them via phone conversations since. These conversations over the phone provide little clarity on my issues and often took 3-4 phone calls to resolve or get accurate information on my loan. 

However, on XX/XX/year>, I sent a secure message/email regarding though my mortgage portal about discrepancies on my account. I followed up again on XX/XX/year>. I have received no response to either message. 

My issues I have been seeking to resolve are : A {$140.00} deduction from my escrow account was made without explanation. 
My PMI payment is being deducted after my monthly payment posts, which causes confusion in accounting and payment tracking. 
My monthly mortgage payment amount changes nearly every month without clear explanation or consistency, making it difficult to budget or plan. 
Last year the servicer failed to deduct my monthly PMI payments entirely, and instead charged me in one lump sum, creating a large negative balance in my escrow account that I am still trying to recover from. There was little explanation and no accountability for the mistake. 
When I made an additional escrow payment by phone, I clearly instructed that it be applied to escrow. Instead, it was misapplied to principal. While this was eventually corrected, it shows poor handling of payment instructions. 
I have also had ongoing issues with my homeowners insurance. I want to ensure that I am not being double charged for insurance coverage, since I carry my own homeowners insurance policy in addition to the coverage provided through my HOA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
Comenity Bank debt was paid to delete but is showing negatively on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MS

Complaint narrative:
My discover card and XXXX XXXX card back in 2018 was paid to delete. They are still reporting negatively on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: GA

Complaint narrative:
I AM A VICTIM OF ISENTITY THEFT AND MULTIPLE DAT BREACHES SAW ITEMS ON REPORT FILED FTC 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 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
1. This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : 2. A debt collector/buyer must be bonded and licensed by the XXXX XXXX  XXXX XXXX XXXX 
3. The debt must be legally collectible within the states jurisdiction where the creditor resides.

4. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification.

5. A debt purchase must have an assignment number and be registered with the XXXX XXXX XXXX XXXX. 
6. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice.

7. This company has posted one or more out dated collection against my credit report. It looks like the account was over 7 years old, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
8. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the NMLS, and in most cases can not be valued as true ownership under CPLR.

9. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-08-27 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 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