vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-07-21 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:
These inquiries are unfamiliar to me and may have occurred without my authorization. I urge you to address this issue right away. Please see the attached files.

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 2025-07-21 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8400.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX 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 2025-07-21 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 have contacted Experian, Equifax, and TransUnion to notify them of the errors on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANBSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Carmichael & Frost LLC
State: CA

Complaint narrative:
I am filing a complaint regarding predatory lending and debt collection practices by XXXX XXXX, and the XXXX XXXX Carmichael & Frost LLC, who claim to be a lien enforcement agency. They have used deceptive and threatening tactics in an attempt to collect on what they describe as a XXXX XXXX XXXX ( XXXX ) agreement. 

I received emails and text messages claiming that I defaulted on an XXXX loan with XXXX XXXX. 

They threatened to send an " enforcement team '' to my home and business address to " seize assets '' or " compile a list for liquidation, '' without any court order or legal process. 

They stated that they have frozen my bank accounts. My bank confirmed no such action occurred and said no freeze or garnishment was requested. 

When I asked for debt validation or proof of agreement, they refused to provide documentation and instead escalated their threats. 

I have never received a mailed notice, and when I explained that the address they had was incorrect, they said they would show up to my current address. 

They also texted my parents third parties unrelated to this matter which is a clear violation of debt collection protections. 

I previously experienced identity theft, and I expressed concern that this may be a scam or fraud. They ignored these concerns entirely I am not aware of signing any valid loan or advance agreement with this company. 

Their tactics appear to be predatory, misleading, and intended to intimidate me into payment without due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-21 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

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

1681c-2 ) that you, the Equifax Information Services XXXX 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 XXXX XXXX ACCOUNTS : XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Tilt Finance, Inc.
State: OH

Complaint narrative:
Empower Finance has engaged in a pattern of false and misleading credit reporting in direct violation of multiple provisions of the Fair Credit Reporting Act ( FCRA ). These actions have caused measurable harm to my credit standing and financial credibility. 

XXXX of Events and Violations : In XX/XX/XXXX, Empower closed my account without offering any repayment options, despite my direct attempt to pay off the balance voluntarily. 
This account was not included in my bankruptcy, and Empower was never listed as a creditor. 
Despite that, Empower began reporting the account as a charge-off, with multiple missed payments, and later added a Chapter XXXX bankruptcy remark all of which are false. 

On XX/XX/XXXX, Empower made a limited update to only TransUnion : Removed missed payments and updated the balance to {$0.00} Left the false bankruptcy remark Changed the accounts closed date from XX/XX/XXXX to XX/XX/XXXX, constituting illegal re-aging Deleted and reinserted the tradeline without providing written notice This reinsertion caused an additional XXXX credit score drop today, compounding the harm from their prior reporting To date, Empower has not corrected XXXX XXXX XXXX, both of which still reflect the original inaccurate, derogatory information. 

Violations of the FCRA : 1. 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate 2. 15 U.S.C. 1681s2 ( a ) ( 2 ) Failure to update and correct inaccurate or incomplete information across all bureaus 3. 15 U.S.C. 1681s2 ( a ) ( 3 ) Failing to mark the account as disputed after receiving notice 4. 15 U.S.C. 1681s2 ( a ) ( 5 ) Illegally re-aging the account by altering the closure date 5. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Reinserting a tradeline without notifying the consumer in writing within five business days 6. 15 U.S.C. 1681s2 ( b ) ( 1 ) ( C ) Failing to conduct a reasonable reinvestigation 7. 15 U.S.C. 1681s2 ( b ) ( 1 ) ( D ) Failure to delete or correct unverifiable or inaccurate information. 

All supporting documentation for the above including screenshots, report history, Empowers direct communication, and proof the account was not part of my bankruptcy was submitted in my previous CFPB complaints and serves as verified evidence of the violations committed. This current submission reflects the additional and ongoing violations, including a new credit score drop on XX/XX/XXXX, caused by Empowers improper reinsertion and re-aging of the tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- -- Opened : 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Admin Recovery, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> Admin Recovery LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Demand for Debt Validation Under FDCPA 15 U.S.C. & 1692g and FCRA 15 U.S.C. & 1681s-2 To Whom It May Concern : I am writing in response to your communication date XX/XX/year> regarding the alleged debt referenced as account number XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. & 1692 ( g ) and Fair Credit Reporting Act ( FCRA ) 15 U.S.C. & 1681s-2. I formally request that you validate this debt and provide the following : 1. Proof that I am legally obligated to pay this debt under 15 U.S.C. & 1692g ( a ) ( 4 ), including : - A copy of the original signed contract or agreement with the creditor. 
- Documentation showing the debt was assigned or sold to your company ( Bill of Sale ) including chain of ownership. 

2. Itemized accounting of the debt under 15 U.S.C. & 1692g ( a ) ( 1 ), including : - The original principal balance. 
- Interest, fees, or charges added to the balance. 
- Date of default - A complete payment history, including the date and amount of the last payment. 

3. Verification of your authority to collect this debt under 15 U.S.C. & 1692e ( 5 ), including : - A copy of your debt collection license for the state of XXXX. 
- Proof of compliance with state and federal debt collection laws. 

4. Confirmation that this debt is not time-barred under the XXXX  XXXX XXXX Limitations and XXXX XXXX XXXX XXXX 

Additionally, if this debt has been reported to credit bureaus, I demand under FCRA 15 U.S.C. & 1681i ( a ) ( 1 ) ( A ) that you : - Provide evidence the debt is accurately reported, including dates and amounts. 
- Cease reporting this debt to credit bureaus until validation is provided. 

Legal Notice : - Under the FDCPA, you must cease all collection activities until you provide validation ( 15 U.S.C. & 1692g ( b ) ). 
- Failure to validate this debt within 30 days requires you to close this account, notify credit bureaus to delete it, and permanently cease collection efforts. 
- If you can not validate the debt, I reserve the right to dispute its inclusion on my credit report under FCRA 15 U.S.C. & 1681s-2 ( b ) and file complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission ( FTC ), and XXXX  State Attorney Generals Office. 

Attached is a copy of your collection notice for reference. 

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 explanation
Consumer complaint received 2025-07-21 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian

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 2025-07-21 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: DC

Complaint narrative:
I am a XXXX XXXX XXXX XXXX. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-07-21 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:
I am filing this complaint because Equifax, Experian, and TransUnion are reporting XXXX fraudulent and invalid debts on my credit reports : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no contract, agreement, or obligation to either debt. I have disputed these accounts multiple times

with the CRAs, and each time, the agencies have : Failed to properly investigate under 15 U.S.C. 1681i of the FCRA Failed to delete the inaccurate accounts Allowed these debt collectors to continue reporting unverified and false information.

Additionally, both debt collectors have failed to provide any proof or validation of these debts, which further demonstrates that the reporting is inaccurate and unlawful under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) the duty to maintain maximum possible accuracy.

Because of this ongoing negligence : My creditworthiness has been severely damaged I have lost job opportunities I have suffered emotional distress, financial harm, and medical expenses These credit reporting agencies are liable for the continued reporting of inaccurate, unverifiable information. I am seeking compensation for damages, as well as immediate correction of my credit files. 

Requested Resolution : Permanent deletion of these accounts from all of my credit reports Full reinvestigation and validation process Compensation for financial, emotional, and credit harm Confirmation in writing of all deletions and corrections I request that the CFPB investigate these violations and hold Equifax, Experian, and TransUnion accountable under the FCRA.

Company response to consumer: Closed with explanation