vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-11-18 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 have not received any documents in the mail or spoke to anyone about this account. I have never heard of Midland Credit Management. It appeared to be a collection on my credit bureau. The only way I found out about it was through my XXXX. I found out about it XX/XX/year> a collection in the amount of {$6600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I am writing to dispute the following inquiries on my credit report, which I believe may have been reported in error. Please investigate the accuracy of the following inquiries and remove them if they can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX  XX/XX/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 2025-11-18 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: CO

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report with Experian. I believe these entries to be inaccurate and request a thorough investigation. If any of the disputed items can not be verified or corrected, I request that they be removed in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$22000.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXXXXXX XXXX Date : XX/XX/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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 
The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 
I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-11-18 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX XXXX 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 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 2025-11-18 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: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NV

Complaint narrative:
I am filing this complaint because Equifax is reporting inaccurate, incomplete, and misleading information on my credit report. I have tried to dispute these items directly with the bureau, but they have failed to properly investigate as required under the Fair Credit Reporting Act ( FCRA ), including 602, 607, 611, and 623. 

I am requesting the CFPBs assistance in forcing Equifax to correct these errors, conduct a lawful reinvestigation, and remove all accounts and entries that can not be 100 % verified with complete records. 

Charged Off Accounts in Dispute ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> {$0.00} XXXX XXXX XX/XX/year> {$0.00} These accounts are being reported with incomplete information and without proper verification. Equifax has failed to provide any documentation proving accuracy, ownership, or complete payment history. 

Inquiries ( XXXX  ) No inquiries to dispute in this section. 

Late Payments ( XXXX  ) The following accounts are being reported with late payments that I do not recognize and have never been properly verified. I am requesting full validation or removal. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as a formal challenge to the referenced accounts. I do not recognize them and did not permit their creation. I request immediate deletion and review. Supporting evidence is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
XXXX  resolution of disputed accounts must happen within legally mandated limits.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On or around XX/XX/2025, the State of Michigan issued a tax lien against my account for {$3100.00}. Huntington Bank withdrew this amount from my account to satisfy the lien. However, as of XX/XX/2025, the State of Michigan has not received the funds, nor has it received any communication from Huntington Bank regarding a levy action report or confirmation of payment. 
Because the State of Michigan has not received the payment, they applied my tax refund toward the outstanding balance and have now begun garnishing my wages. This situation has caused significant financial hardship. Based on the lack of communication and missing funds, I believe Huntington Bank may have misappropriated or failed to properly remit the money.

I am requesting an investigation into Huntington Banks handling of this transaction and resolution of the missing payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
Dear Sir/Madam, I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to address the inaccurate reporting and disputed accounts on my credit report. Below are the accounts in dispute, categorized by bureau : Charged Off Accounts : XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1400.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$2300.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXX XXXX, XX/XX/XXXX XXXX Balance : {$3000.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1400.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
lam fling this complaint because my credit report contains multiple inaccurate and unauthorized items that the eredit bureaus have failed to correct. 
There are several negative accounts and hard inquiries that I did not authorize or that are being I have disputed these items but they continue to vithout proper verification. 
Unauthorized inquiries on my credit file include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Experian XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I did not apply for credit or give permission to any of these companies to access my credit report. These inquiries are harming my credit score and violate the Fair Credit Reporting Act which requires a permissible purpose before a credit report can be accessed. 

There are also inaccurate negative accounts on my report including XXXX XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX account was fully settled on XXXX XXXX XXXX  but it is still reporting an incorrect balance and negative information. The XXXX XXXX late payment being reported is not accurate or verified. XXXX XXXX XXXX  is reporting incorrect or outdated information as well. These accounts are incomplete, inaccurate, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
lam fling this complaint because my credit report contains multiple inaccurate and unauthorized items that the eredit bureaus have failed to correct. 
There are several negative accounts and hard inquiries that I did not authorize or that are being I have disputed these items but they continue to vithout proper verification. 
Unauthorized inquiries on my credit file include XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Experian XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. I did not apply for credit or give permission to any of these companies to access my credit report. These inquiries are harming my credit score and violate the Fair Credit Reporting Act which requires a permissible purpose before a credit report can be accessed. 

There are also inaccurate negative accounts on my report including XXXX XXXX XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX account was fully settled on XXXX XXXX XXXX  but it is still reporting an incorrect balance and negative information. The XXXX XXXX late payment being reported is not accurate or verified. XXXX XXXX XXXX  is reporting incorrect or outdated information as well. These accounts are incomplete, inaccurate, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. These accounts are reported incorrectly, and I would like you to investigate the inaccuracies. 

CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Please review the charge-off status and update it accordingly. 

XXXX Account XXXX : XXXX Date Opened : XX/XX/year> Balance : {$0.00} I request that this account be reviewed for any inaccuracies in its reporting. 

LATE PAYMENT XXXXXXXX XXXX Account Number : XXXX There are incorrect late payments reported. Please verify and correct the payment history. 

XXXX XXXX XXXX XXXX Account Number : XXXX This account has late payment information that I dispute. Kindly verify and make necessary corrections. 

XXXX Account XXXX : XXXX I dispute the late payment entry for this account. Please confirm and rectify any errors. 

XXXX XXXX Account Number : XXXX There is a late payment reported here that I believe is inaccurate. Please review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint TransUnions Continued Reporting of Unverified and Inaccurate Accounts in Violation of FCRA and CFPB Consent Orders Dear Supervisory Staff, I am submitting this formal complaint to bring to your attention TransUnions ongoing violations of the Fair Credit Reporting Act ( FCRA ) and the XXXX and XXXX CFPB Consent Orders. Despite multiple disputes filed through XXXX XXXX XXXX  ( XXXX ) and CFPB complaints, TransUnion continues to report unverified, inaccurate, and incomplete derogatory accounts on my credit file. 

Most notably, TransUnion is the only bureau still reporting collection accounts from XXXX XXXX XXXX XXXX which have been removed by both XXXX XXXX XXXX. This selective Examples of Unverified Accounts Still Reported by TransUnion Credito Balance Status Discrepancy XXXX XXXX  ( XXXX XXXX ) {$4700.00} Collection Not reported by XXXX XXXX XXXX - unverified by furnisher since XX/XX/XXXX XXXX XXXX  ( XXXX  ) {$1000.00} Collection Not reported by XXXX XXXX XXXX XXXX  XXXX XXXX ( Acct # XXXX ) {$1200.00} Charge Off | Still reporting despite dispute ; XXXX XXXX XXXX  XXXX XXXX ( Acct # XXXX ) {$660.00} Charge Off Still reporting ; XXXX removed XXXX XXXX ( XXXX XXXX  ) {$1600.00} Charge Off Still reporting ; XXXX removed XXXX  XXXX ( Multiple ) {$4200.00} / {$2700.00} / {$4400.00} Charge Off Discrepancies in balances and reporting dates XXXX XXXX  {$3200.00} Charge-off XXXX reports lower high credit XXXX {$290.00} Charge-off Balance mismatch with XXXX and XXXX XXXX ( Acct # XXXX ) {$930.00} Charge-off Still reporting despite dispute resolution XXXX  {$2700.00} Charge-off Balance mismatch with XXXX  XXXX {$700.00} Charge Off Still reporting despite dispute ; XXXX removed Violations Cited - FCRA 1681i Failure to conduct a reasonable reinvestigation of disputed information. 
- FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

- FCRA 1681s-2 ( b ) Furnisher obligations ignored. 
- CFPB Consent Order ( XXXX & XXXX ) TransUnion was explicitly prohibited from continuing to report unverifiable data and required to improve dispute handling procedures.

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