vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I am disputing the account being reported by Receivable Management. This company is a third-party debt collector that is reporting personal and financial information about me without any legal right, consent, or authorization. I was never notified that Receivable Management had taken over or was involved with this alleged debt, and I have never signed any agreement allowing them to collect or report my personal information to the credit bureaus. 

At the time this account appeared, I had lost my job and was going through financial hardship. I fell behind on payments, but I was never given an opportunity to resolve the matter directly with the original creditor before my information was transferred to a company I never authorized. Being behind on payments does not equal consent for a third-party to obtain or publish my private information. 

Receivable Management has not produced any wet-signed document showing I agreed to allow them access to my personal data. This is a violation of 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires that furnishers maintain maximum possible accuracy, and 15 U.S.C. 1681i, which requires full reinvestigation upon dispute. They have also failed to comply with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, which requires written validation of the debt before continuing to report or collect. 

Without proper documentation or proof of assignment from the original creditor, Receivable Management is unlawfully reporting and sharing my information. This conduct also violates the XXXX XXXX XXXX and the Deceptive Trade Practices Act for misrepresentation and unfair consumer practices.

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 2025-10-30 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: IL

Complaint narrative:
I am writing to formally request the investigation and correction of the following accounts on my credit report. I believe that these items are inaccurately reported and require immediate attention in accordance with the Fair Credit Reporting Act ( FCRA ). Please review the following discrepancies with each respective credit bureau : Charged Off Accounts : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$28000.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$2200.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$17000.00} Late Payments : XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
XXXX has reported inaccurate and inconsistent payment history on this account. The reporting has been updated multiple times during disputes without actually correcting or verifying the information. This shows the reporting is not accurate and has not been properly verified. 
Under the Fair Credit Reporting Act : FCRA 1681e ( b ) gives me the right to have only accurate information reported.

FCRA 1681i ( a ) requires that any information that can not be verified must be deleted, not repeatedly updated.

FCRA 1681s-2 ( b ) requires a reasonable investigation supported by documentation. 
Because the information continues to be reported without proper verification and has been changed multiple times, this is a violation of my consumer rights under federal law. 
If this continues, I retain my right to pursue civil remedies under FCRA 1681n and 1681o for continued noncompliance. 
This account needs to be deleted from 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 2025-10-30 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-30 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: LEXISNEXIS
State: OK

Complaint narrative:
I am filing a complaint against LexisNexis for reporting and/or redistributing inaccurate, incomplete, and unverifiable information in my consumer file. On XX/XX/XXXX, I sent a formal dispute referencing FCRA 609 and 611. The disputed items include : ( XXXX ) tradeline data tied to XXXX XXXX XXXX ( acct ending XXXX ), Portfolio Recovery ( acct ending XXXX ), and a XXXX collection ( acct ending XXXX ) ; ( XXXX ) multiple hard inquiries dated XX/XX/XXXX and XX/XX/XXXX ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, etc. ) that I do not recognize as authorized ; and ( XXXX ) personal identifiers ( names/addresses/employer ) that do not exactly match my verified information. 

LexisNexis has not provided certified, original-source verification demonstrating that each item is accurate, complete, timely, and reported with a permissible purpose. Continuing to maintain or redistribute data that can not be fully verified violates FCRA accuracy and reinvestigation duties. I am requesting a thorough reinvestigation and removal or correction of any item that can not be verified with the original data furnisher, along with written results and the method of verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave 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.

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 2025-10-30 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-30 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: ACIMA CREDIT, LLC
State: CT

Complaint narrative:
Good afternoon. I wanted to report improper business practices of two Connecticut merchantsXXXX XXXX XXXX XXXX XXXX in XXXX and Acima based in XXXX, Utah. I purchased furniture on XX/XX/XXXX partly because credit card and partly through Acima 's leading service. I was told that weekly would not occur until the furniture paid through Acima was delivered to residence. I was billed on XX/XX/XXXX for {$100.00} and part of the furniture was to arrive on XX/XX/XXXX. I got a cancellation notice in XX/XX/XXXX from XXXX XXXX XXXX XXXX with no reason for the cancellation or option to reached in the original email. I contacted XXXXXXXX XXXX immediately today, XX/XX/XXXX suspecting fraud. 

Between XX/XX/XXXX and XX/XX/XXXX, I tried to cancel part of the order - two mattresses and two boxspring - because I find a more competitive price elsewherXXXX XXXX XXXX  customer service was able to cancel all but one mattress because it was currently under lease agreement through Acima. I was told that after speaking to Acima 's customer service representative I will have to go into a XXXX 's store closest to me to cancel and redo so the Acima contract in person. I went to XXXX XXXX on XXXX XXXX was refused by an Acima staff member, voting it as a courtesy to the original XXXX rep that I would have to return to the store and cancel order with him. I filed a XXXX XXXX XXXX report on my experience with Acima in hopes of a speedy resolution. As of today, only a confirmation of filing has been recieved. 

Last night, I recieved calls from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX but the phone calls went to and overflow line. I also recieved a texted link to update he purchase agreement. When I tried to login in to Acima on XX/XX/XXXX and again XX/XX/XXXX to see if I can cancel the order online, I got an " invalid user '' prompt on both occasions. 

I was recently homeless and currently rationing gas while between jobs. I am seeking assistance in cancel the furniture order completely and closing out my Acima account, both remotely. I would be happy to complete any esignature documentation to do so. 

Thank you. 

Be well, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Cell : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CO

Complaint narrative:
Applied for a savings account with a bonus attached. Fulfilled all requirements, got a confirmation that I was eligible for the bonus and now over four months and all I keep getting is a runaround that they are working the problem, complaint has been " escalated '', I'll hear back, etc. Never happens. 

Put {$25000.00} in on XX/XX/XXXX. Left full amount for four months. Got email confirmation that I was eligible for the bonus on XX/XX/XXXX. I have copy of the bank statements showing full amount never taken out. 

I have been in contact via chat five times and all times the chat person confirms that I am/was eligible for the bonus and that I should just wait it out. I'm done.... all I get is lies. They are just hoping that I will go away. Will NEVER use eTrade again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
The FTC portal is unavailable due to the government shutdown. This declaration is submitted under 15 U.S.C. 1681c-2 and 28 U.S.C. 1746 as a sworn identity theft report. The information listed does not relate to any transaction by me.

Please 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