vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have previously disputed Experian, XXXX  and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Unifin Inc.
State: FL

Complaint narrative:
Subject : Unifin Inc. Willful Violations of the FDCPA and FCRA ; Failure to Act Lawfully After Receiving Disputed Debt This complaint is submitted against Unifin Inc. for its unlawful participation in the handling and attempted collection of a debt that was already under formal dispute. Unifins conduct constitutes willful violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I received a document from XXXX XXXX XXXX ( on behalf of XXXX XXXX XXXX ) attempting to validate a XXXX XXXX XXXX  account. The package contained only a brief internal summary and a billing snapshotnowhere near the documentation required under FDCPA 1692g ( b ) or FCRA 1681i ( a ) ( 7 ). There was no contract, no itemized history, and no evidence of a valid chain of assignment. 

On XX/XX/year>, I issued a formal certified letter disputing the debt and demanding all legally required documents. This notice was delivered and signed for on XX/XX/year>, and clearly instructed both XXXX and XXXX to cease all collection activity until proper documentation was produced. 

Nevertheless, Unifin Inc. initiated contact on XX/XX/year>, attempting to collect on the very same disputed accountwithout having received or produced any of the documentation required by law. This constitutes : FDCPA 1692g ( b ) : Continuing collection efforts without validating a disputed debt ; FDCPA 1692e ( 2 ) ( A ) : Misrepresenting the legal status of the debt ; FDCPA 1692c ( b ) : Unlawful third-party disclosure of disputed information ; FCRA 1681b ( f ) : Obtaining and using consumer information without a permissible purpose ; FCRA 1681n : Willful failure to comply with the FCRA. 

Unifin later claimed it was unaware the debt was in dispute and stated only that it returned the account to their client. This action, however, does not absolve liability under federal law. Debt collectors have an affirmative duty to investigate whether any debt placed for collection is currently disputed and must act accordingly. Ignoring this responsibility and using consumer data under these conditions is a clear violation of both the FDCPA and the FCRA.

Unifins attempt to deflect liability by merely returning the account to their clientwithout acknowledging fault or correcting their misuse of consumer datais insufficient and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX  ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: UT

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 : INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

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. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see 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 explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( 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. 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 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. ''

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a formal dispute against Experian, TransUnion, and Equifax for illegally reporting inaccurate, unverifiable, and derogatory information on my credit profile in violation of multiple federal statutes, including the FCRA and GLBA.

These entities have falsely represented themselves as official bureaus, when in fact they are private for-profit corporations with no lawful authority to publish or adjudicate consumer creditworthiness. They have a pattern of sham investigations and have repeatedly failed to validate or correct the accounts I previously disputed, despite CFPB documentation of those prior filings. 

The accounts listed in my attached letter are in violation of : 15 U.S.C. 1681b Lack of permissible purpose 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy 15 U.S.C. 1681s-2 ( b ) Furnisher reinvestigation violations 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) Sham reinvestigations 15 U.S.C. 680XXXX ( GLBA ) Privacy and data protection violations Their continued reporting has damaged my credit reputation and violated my rights as a living man, not a corporate fiction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal dispute against Experian, TransUnion, and Equifax for illegally reporting inaccurate, unverifiable, and derogatory information on my credit profile in violation of multiple federal statutes, including the FCRA and GLBA.

These entities have falsely represented themselves as official bureaus, when in fact they are private for-profit corporations with no lawful authority to publish or adjudicate consumer creditworthiness. They have a pattern of sham investigations and have repeatedly failed to validate or correct the accounts I previously disputed, despite CFPB documentation of those prior filings. 

The accounts listed in my attached letter are in violation of : 15 U.S.C. 1681b Lack of permissible purpose 15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy 15 U.S.C. 1681s-2 ( b ) Furnisher reinvestigation violations 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ) Sham reinvestigations 15 U.S.C. 680XXXX ( GLBA ) Privacy and data protection violations Their continued reporting has damaged my credit reputation and violated my rights as a living man, not a corporate fiction.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit reports and I see that someone has been using my identity. They tried to apply for loans under my name. I have inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person XXXX XXXX has a Massachusetts license in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit reports and I see that someone has been using my identity. They tried to apply for loans under my name. I have inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The person XXXX XXXX has a Massachusetts license in my name

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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Niederman Stanzel & Lindsey
State: NH

Complaint narrative:
I am filing a complaint against the law firm Niederman , Stanzel & Lindsey, XXXX for unfair and deceptive debt collection practices related to an alleged debt originally owed to XXXX XXXX XXXX  and now being collected through the XXXX XXXX XXXX, District Division in XXXX, New Hampshire ( Case No. XXXX ) Despite my repeated requests for validation of the debt and my formal dispute via the Consumer Financial Protection Bureau ( CFPB ), the law firm has : Continued to pursue post-judgment collection efforts without providing any proper documentation or validation of the debt as required by federal law ( 15 U.S.C . 1692g ). 

Filed aggressive motions and sought enforcement actions despite XXXX XXXX XXXX or othe

r collectors admitting that collection efforts should cease. Failed to provide any signed contract, c
hain of assignment, or detailed accounting supporting the amount they claim I owe.

Ignored multiple notices disputing the debt and demanding validation. 

Engaged in collection activity that appears to violate the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 1692e ( false or misleading representations ), 1692f ( unfair practices ), and 1692g ( validation of debts ).

These actions have caused me significant stress and financial harm. I request that the CFPB investigate this law firms conduct and take appropriate enforcement action to ensure compliance with the FDCPA and protect consumers from abusive debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: NC

Complaint narrative:
property receivables XXXX COLLECTION ACCCOUNT FOR XXXX  AND XXXX AS UNPAID - XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX - - looking to collect the debt challenged in case - XXXX with the XXXX of XXXX Reporting XXXX $ being owed. 

" XXXX XXXX XXXX Thu, XX/XX/2024 at XXXX XXXX  To : " XXXX '' XXXX Cc : XXXX XXXX XXXX XXXX XXXX XXXX Hi XXXX, Your current balance is {$4300.00} plus legal off ( {$300.00} as of today ) needs to be paid in Cashiers Check to close the file. Please make it payable to XXXX XXXX XXXX XXXX. We do not accept partial payments. 





Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
Subject : Unauthorized Hard Inquiries on Credit Reports in Violation of FCRA 604 & 609 Consumer Name : XXXX XXXX I am filing this complaint because Equifax has reported several unauthorized hard inquiries on my credit file, which I did not initiate or authorize. Under the Fair Credit Reporting Act ( FCRA ) 604, consumer reporting agencies must ensure that only permissible purpose inquiries appear in my file, and under 609, I have the right to full disclosure of who requested my credit report and why. 

Details of Disputed Inquiries : Equifax : XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation