vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: NY

Complaint narrative:
I am formally disputing and challenging all inaccurate, unverifiable, and undocumented information reported on my credit file. Your continued reporting of derogatory data without full factual validation is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 and Metro 2 Compliance standards as established by the XXXX XXXX XXXX XXXX ( XXXX ). 

The following personal information is inaccurate and must be corrected or permanently deleted : Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX The following accounts are being disputed due to lack of full validation and Metro 2 compliance violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries are being disputed as unauthorized and without permissible purpose under FCRA 1681b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding full physical, certified, and factual documentation to prove : Permissible purpose for obtaining and reporting this information Full validation of any alleged debt obligations Compliance with Metro 2 format as mandated by the XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ) Evidence of proper dispute investigation procedures under FCRA 1681i You are legally required to conduct a reasonable investigation into my dispute and address each disputed item individually, not through standardized, pre-written responses. Failure to conduct a proper investigation constitutes willful non-compliance under FCRA 1681n, exposing your agency to legal liability for actual, statutory, and punitive damages. 

If you are unable to fully validate each item listed, I demand the immediate and permanent deletion of these accounts, inquiries, and personal data from my credit report. This serves as my formal notice of intent to escalate through legal counsel should you fail to comply with federal law. 

You are required to respond in writing with full documentation and an updated copy of my credit report reflecting all corrections and deletions within the time prescribed by law.

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 2025-06-23 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: NY

Complaint narrative:
I am formally disputing and challenging all inaccurate, unverifiable, and undocumented information reported on my credit file. Your continued reporting of derogatory data without full factual validation is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 and Metro 2 Compliance standards as established by the XXXX XXXX XXXX XXXX ( XXXX ). 

The following personal information is inaccurate and must be corrected or permanently deleted : Incorrect Name : XXXX XXXX Incorrect DOB : XXXX Incorrect Current Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Incorrect Previous Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX The following accounts are being disputed due to lack of full validation and Metro 2 compliance violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries are being disputed as unauthorized and without permissible purpose under FCRA 1681b : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am demanding full physical, certified, and factual documentation to prove : Permissible purpose for obtaining and reporting this information Full validation of any alleged debt obligations Compliance with Metro 2 format as mandated by the XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ) Evidence of proper dispute investigation procedures under FCRA 1681i You are legally required to conduct a reasonable investigation into my dispute and address each disputed item individually, not through standardized, pre-written responses. Failure to conduct a proper investigation constitutes willful non-compliance under FCRA 1681n, exposing your agency to legal liability for actual, statutory, and punitive damages. 

If you are unable to fully validate each item listed, I demand the immediate and permanent deletion of these accounts, inquiries, and personal data from my credit report. This serves as my formal notice of intent to escalate through legal counsel should you fail to comply with federal law. 

You are required to respond in writing with full documentation and an updated copy of my credit report reflecting all corrections and deletions within the time prescribed by law.

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 2025-06-23 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: AL

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 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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several unauthorized accounts being reported under my name. I did not apply for, approve, or open these accounts. I am requesting their immediate removal in accordance with 15 U.S. Code 1681g within 15 days. Ive provided documentation that supports this dispute.

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 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello please see documents for my dispute. NOTICE THAT THE CONSUMER HAS THE RIGHT TO REQUEST UNDER SUBSECTION ( D ) THAT THE CONSUMER REPORTING AGENCY FURNISH NOTIFICATIONS UNDER THAT SUBSECTION. PLEASE SEE SUPPORTING DOCUMENTS FOR MY DISPUTE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$260.00} INQUIRIES : XXXXXXXX XXXX XXXX Date : 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 2025-06-23 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: Merchants Acceptance Corp
State: NC

Complaint narrative:
Ive tried to explain to the credit bureau that my information was incorrect some of these accounts was paid off then they dont have where some was supposed to be free trials but when returned was billed this is basically tricking people telling you the amount of the product after you signed contract then also they not charging credit scores to good brackets this is very misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
I am submitting a formal complaint againsXXXX XXXX XXXX XXXX XXXX  for repeated, excessive, and harassing phone contact regarding a debt. 

Within a recent XXXX period, I received more than XXXX phone calls, including days where I was contacted more than XXXX ( XXXX ) times. These contacts were made using multiple different phone numbers, which appears to be a deliberate attempt to evade call blocking and increase pressure. This conduct clearly violates CFPB Regulation F and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d, which prohibit excessive, abusive, or deceptive collection practices.

The stress and frequency of these calls have caused extreme XXXX, particularly because many of them occurred during my working hours, interrupting my responsibilities and causing my personal financial matters to bleed into my professional environment. This is not only disruptive but deeply embarrassing. I should not be placed in a position where I feel harassed or fear losing credibility at work due to aggressive and unlawful debt collection tactics. 

This behavior also violates XXXX XXXX XXXX XXXX ( XXXX ), which prohibits repeated or continuous calls made with the intent to harass a person. 

I have submitted a formal written request that XXXX XXXX XXXX XXXX cease all communication with me. However, the calls have continued.

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im writing to address an account that appears on my credit report, which I have serious concerns about. At this point, I am formally requesting that you certifyclearly and completelythat every single piece of information tied to this account actually belongs to me.

If you can not confidently and completely verify all of the above, then this account should not be on my credit reportperiod.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MCM calls harasses me everyday threatened to come to my house or place of employment demanding when the debt has already been discharged

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
The credit limit on my XXXX XXXX XXXX  is higher than shown by Experian, TransUnion and Equifax. The balance on my card is much lower than shown as well. Their information is not current. It is negatively impacting my credit score. My student loan shows paid on time but somehow has a 90 days late notice. My FICO score dropped XXXX points which seems excessive ( See attachments )

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 2025-06-23 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: VA

Complaint narrative:
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. RA. 

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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: P.S.C., Inc
State: WA

Complaint narrative:
I am a XXXX XXXX XXXXt and have medical debt being reported 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 2025-06-23 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: IL

Complaint narrative:
On XX/XX/year>, I went to XXXX XXXX to look at cars and get an estimate, seeing as I was about to start a new job. I made it clear that I wasn't purchasing a car, and that I've never had a credit card, loans, or built any credit score ; I am completely new. The dealership ran my credit score anyway with a bank called XXXX XXXX, resulting in a hard inquiry being placed on my credit report without my knowledge. I told the car dealership that I was going to start and built my credit score before I purchased a car. 

Therefore, I went home and immediately applied for a XXXXXXXX XXXX XXXX XXXX XXXX XXXX. My application was immediately denied, so I called customer service and they told me that there were too many recent inquiries on my credit, specifically from XXXX XXXX and XXXX XXXX. 

On XX/XX/year>, I went to XXXX XXXX to get advice on what to do or see if they could help. The teller told me to run my credit report on XXXX and contact the credit bureau Equifax. I spoke to a representative, who told me they had no documentation on me in their system, but saw the hard inquiry on my report. They told me to call and dispute the issue with XXXX XXXX. I called XXXX XXXX who told me they had kept no record or reference to this inquiry, and to contact the credit bureau TransUnion, since the credit bureaus are the ones who place the inquiry on your report. TransUnion subsequently told me to contact XXXX XXXX, citing the same reason Equifax did : they had no documentation of me or this inquiry. I contacted Ally Financial AGAIN, who directed me to their fraud division and hung up, knowing full well their fraud division had closed 20 minutes prior at XXXX EST. 

After all of this, I decided to contact Equifax one more time. The representative told me to mail a copy of my Social Security card, copy of my drivers license, a cover letter describing the issue, and the FTC report from the incident in order to process a dispute. Before I take any of those steps ( like mailing a copy of my Social Security card??? ), I'm submitting this issue to CFPB because I have no where to turn to. Each of these companies ( XXXX XXXX, Equifax, TransUnion ) claim that they can not help me and have no records of this hard inquiry, and therefore can not dispute or remove it, even though my credit report on Equifax clearly says " Hard Inquiry : XXXX XXXX XXXXXX/XX/year> ''. 

In summary, I did NOT want my credit score run by the dealership. The hard inquiry on my credit report caused by the dealership and XXXX XXXX is now barring me from getting a credit card anywhere for 2 years ( according to XXXX XXXX  and XXXX ), and I can not begin to build my credit. None of either XXXX XXXX, Equifax, or TransUnion claim to know anything about this hard inquiry, and they've all directed me to each other instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AR

Complaint narrative:
Filing Notice : Notice of Fiduciary Status, UCC-1 Filing Reference, and Demand for Immediate Suppression of Unauthorized Reporting.

I have filed publicly to inform all third party agents that this file secures all property, assets, and legal interests associated with the estate and artificial legal entity XXXX XXXX XXXX, including but not limited to : the Birth Certificate, Social Security XXXX Account, and any property or credit accounts created or securitized under that name. 
XXXX. I have lawfully executed a Security Agreement and Copyright Assignment transferring all interest in the name XXXX XXXX XXXX into private XXXX control. 
4. I am asserting lawful control over the estate and requiring that no further entries, inquiries, or transactions be made on this consumer profile without my written fiduciary consent. 

I am also submitting this notice in writing with the full set of supporting affidavits and instruments. 

Notice of Fiduciary Status, XXXX Filing Reference, and Demand for Immediate Suppression of Unauthorized Reporting. 

I am placing a fraud alert due to unauthorized use and securitization of my legal name and estate. I am the Secured Party Creditor and Fiduciary over the estate known as XXXX XXXX XXXX. A XXXX Financing Statement has been filed under file number XXXX, securing the estate and all related assets into a private XXXX. 

I am concerned about unauthorized trade lines, identity conversion, and commercial activity conducted without my fiduciary consent. Please flag my file for immediate review and direct me to your Fraud and Identity Theft Department for further documentation and remedy.

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 card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: ID

Complaint narrative:
Date Description Amount Disputed Amount XX/XX/year> TST * XXXX XXXX MN XXXX {$21.00} {$21.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$13.00} {$13.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$32.00} {$32.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$50.00} {$50.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$7.00} {$7.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$120.00} {$120.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$27.00} {$27.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$150.00} {$150.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$21.00} {$21.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$32.00} {$32.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$47.00} {$47.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$66.00} {$66.00} XX/XX/year> XXXX XXXX XXXX XXXX MN XXXX {$33.00} {$33.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$20.00} {$20.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$46.00} {$46.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$20.00} {$20.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$16.00} {$16.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$10.00} {$10.00} XX/XX/year> TST * XXXX XXXX MN XXXX {$15.00} {$15.00}

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing a complaint against XXXX XXXX for inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

This account was charged off in XX/XX/XXXX and shows no valid payment activity since XX/XX/XXXX. However, XXXX continues to report the account as a charge-off every month from XXXX through XXXX, with a static balance of {$120.00}. This repeated monthly reporting with no actual activity constitutes unlawful re-aging under FCRA 1681c ( a ) ( 4 ) and misrepresents the age and status of the debt, damaging my credit profile. 

Additionally, the account history contradicts itself by showing that the balance was paid on XX/XX/XXXX for multiple years, yet it continues to report as charged off and unpaid. This is inconsistent, incomplete, and violates FCRA 1681s-2 regarding accurate and fair data furnishing, as well as FCRA 1681i if previously disputed.

Company response to consumer: Closed with non-monetary relief