vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am reporting a privacy and FCRA violation related to a collection tradeline reported by Midland Credit Management Inc. on my XXXX XXXX and XXXX  credit reports. 

Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a report under written instructions from the consumer. I did not provide such authorization for XXXX XXXX XXXX to report this debt. Additionally, under 15 U.S. Code 6802, I was never given proper notice or an opportunity to opt out of data sharing. 

I submitted an opt-out letter to both XXXX  and XXXX XXXX XXXX XXXX XX/XX/XXXX, revoking any and all prior consents and requesting removal of this item. This account is reported as a Charge Card opened in XX/XX/XXXX, and is not authorized or verifiable with my consent. 

I request immediate deletion of this tradeline from my credit report and a formal statement ensuring it will not be re-reported. 


Attached : Copy of opt-out letter, credit report excerpt, Identity theft letter, and proof of identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Dispute of Charge-Off Account XXXX XXXXXXXX Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Dear Sir/Madam, I am writing to formally dispute the accuracy and validity of the charge-off entry reported on my credit file by XXXX  XXXX under the account referenced above. I assert that the information you are reporting is inaccurate, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
Specifically, I contend that the charge-off is invalid because XXXX XXXX has failed to provide adequate evidence of the debts existence, legitimacy, and proper reporting. Additionally, I am aware that XXXX  XXXX may have forgiven or written off this debt as income, as evidenced by the issuance of a Form 1099-C, Cancellation of Debt. Under the Internal Revenue Code, a 1099-C form represents the cancellation of debt and could indicate that this debt is no longer legally enforceable. 
Please be advised that under 15 U.S.C. 1692g ( a ), I am entitled to a debt validation, and I am requesting that XXXX XXXX provide the following information : 1. Proof that I owe the alleged debt.

2. A statement that the debt was not discharged through XXXX, as I have never filed for XXXX. 
3. The date of charge-off and the reason for the charge-off.

4. Any documentation of a 1099-C issued in connection with the debt.

If this information can not be provided within the legally required 30-day time frame, I request that you immediately remove this entry from my credit report.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request that you conduct a reasonable investigation into this matter, and under 15 U.S.C. 1681s-2 ( a ) ( 3 ), I expect all information reported by XXXX XXXX to be accurate and corrected if found to be in error. 
Please confirm that you have received this dispute and provide a resolution to this matter within 30 days of the date of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I submitted a XXXX XXXX request pursuant to Section 605C of the Fair Credit Reporting Act last year, which requires that the requested information be deleted from my credit report within four days. Since I provided all required documentation to process my deletion request, it should have been completed within four business days. However, it is MONTHS later and Equifax just notified me that another set of XXXX  documentation is again not acceptable even though it has been signed by the appropriate person at the XXXX. Equifax did not provide any reason why it is deeming the XXXX letter to be unacceptable. 

Equifax has received a great deal of national publicity for ignoring the rights of crime victims. It is currently being sued for ignoring the rights of victims and failing to comply with an FCRA Section 605C deletion request. I believe that there may be a class action lawsuit m the works as well. 

Equifax has repeatedly failed to comply with its obligations under the FCRA. I request that CFPB review Equifaxs failure to comply with this federal statute in my case ( and so many others ) as part of a larger pattern and practice of noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: AR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I am writing today about an old account with XXXX acct # XXXX information being reported seems to be inconsistently reported. For example the date the account was closed and paid, the payment history is incomplete and the payment status seems inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MI

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 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 non-monetary relief
Consumer complaint received 2025-06-19 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: MI

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Submitted via : CFPB.gov CC : XXXX  Subject : Dispute of Account Credit Acceptance ( # XXXXXXXX XXXX XXXX XXXX XXXX  ) To Whom It May Concern, This letter is submitted to dispute the Credit Acceptance Corporation account ( # XXXXXXXX XXXX XXXX XXXX XXXX  ), which is reporting as settled for less than full balance and showing a derogatory status with 60/90-day lates, despite having a {$0.00} balance and resolved terms.

This continued derogatory reporting is materially misleading, in violation of 15 U.S.C. 1681s-2 ( b ). Once settled, the derogatory status must be corrected to reflect a neutral resolution. Your current reporting pattern implies ongoing delinquency and damage, which is inaccurate and punishable under Cortez v. TransUnion, 617 F.3d 688 ( 3d Cir. 2010 ).

Per the STAC Agreement, if you intend to continue reporting any derogatory status, you must provide : Original contract Proof of delinquency timeline Proof that the settlement terms authorized continued derogatory classification Failure to provide this within the statutory timeline entitles me to deletion.

Demand : Update this account to reflect settled in full, {$0.00} balance with no derogatory status. If that can not be done, the account must be deleted entirely. 

Sincerely, XXXX XXXX XXXX Attachments : XXXX Credit Report ID and Address Documents

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 2025-06-19 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: NV

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX 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 : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 2025-06-19 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Im filing this complaint because CAINE & WEINER is reporting a collection account on my credit report without providing the required validation under federal law. The original creditor is XXXX XXXX, and the account being reported is Account # XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$620.00}. I have not received any documentation from XXXX XXXX to verify this debt. They have not provided a copy of the original agreement with my signature, a full itemization of the amount they claim I owe, or any proof that they are legally authorized to collect on this account. This is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F. Additionally, I was not given a meaningful opportunity to dispute the debt, which violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Despite failing to meet these requirements, they went ahead and reported the account to one or more credit reporting agencies. That act, without giving me proper notice or validation, violates 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act. Reporting a debt without required verification not only causes harm to my credit but also shows a disregard for federal consumer protection laws. I take this very seriously and want this investigated thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-19 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was added as an authorized user to one or more Capital One credit card accounts without my knowledge or consent. I never requested to be added, never used the accounts, and never authorized any individual to add me. When I discovered the unauthorized accounts on my credit report, I immediately contacted Capital One and verbally requested to be removed. 

Despite multiple calls and clear explanations, Capital One refused to remove me as an authorized user, even though I am not responsible for these accounts and did not request them. Their continued reporting of this information to the credit bureaus is a willful violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. 

Capital One is furnishing inaccurate information and has failed to properly investigate my dispute. I also submitted a written demand for removal and still received no resolution. 

I am seeking immediate removal from all accounts I did not authorize, deletion of all related tradelines from my credit reports, and confirmation that I will not be held responsible in any way. 

This ongoing inaction is causing measurable damage to my credit profile and is interfering with my ability to obtain credit fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: 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 XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX  XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00}

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 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Account LVNV FUNDING LLC XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent proper notification, then I request that you please a provide a certified copy of the receipt displaying my signature and mail it " Certified Mail ''. If not, please delete this account XXXX as soon as possible from my report or I will have to proceed with legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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 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 2025-06-19 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: OH

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 non-monetary relief