vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX AL XXXX Phone XXXX Amount : {$9800.00} I called to dispute the charges as I have never lived on the east coast of the United States XXXX I even contact XXXX about this issue. 

There records show that I live at XXXX XXXX XXXX XXXX XXXX OH, XXXX I have never been to Ohio state before

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CO

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MoneyLion Inc.
State: CT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding MoneyLions inaccurate and damaging reporting to the credit bureaus. 

MoneyLion is reporting 30 and 60day late payments on an account that was already closed. This account was closed after nonpayment, but I later paid enough to settle and cancel it out. After the closure and settlement, there should be no further reporting of late payments because no active account or obligation exists. 

Despite this, MoneyLion continues to add late payment notations to my credit file as if the account were still open. This is both misleading and harmful, as it is negatively affecting my credit score. 

I believe this conduct violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report information that is accurate and not misleading. Reporting late payments after an account is closed and settled is inaccurate and unlawful. 

I respectfully request that the CFPB : 1. Investigate MoneyLions improper reporting practices.

2. Require MoneyLion to immediately remove all inaccurate late payment notations from my credit file.

3. Ensure that they cease reporting any further negative activity on a closed account.

I can provide supporting documentation of my payments and settlement upon request.

Thank you for your time and assistance in correcting this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inquiry from XXXX XXXX XXXX  on XX/XX/2024. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/2024. 
I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I discovered a debt collection account from National Credit Adjust on my credit report in the amount of {$310.00}, allegedly for XXXX XXXX XXXX. I do not recognize this debt and have never received proper validation. On XXXX, I mailed National Credit Adjust a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ) . They have not provided sufficient documentation proving I owe this debt or that they have the legal right to collect it. Despite this, they continue to report the account to the credit bureaus, which is harming my credit. I dispute the validity of this debt and request that National Credit Adjust either provide full validation or remove the account from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NM

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I am writing to formally raise a concern regarding my credit report, as I have recently discovered items that I believe are inaccurately or unfairly affecting my creditworthiness. 
During the process of applying for a mortgage loan to purchase a home, I obtained my credit reports and noticed entries that I believe are either erroneous, outdated, or misleading. These items are negatively impacting my credit score and, as a result, harming my ability to secure stable housing and financial opportunities.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, it is stated that consumers are to be protected from the inclusion of inaccurate or unverifiable information in their credit reports. Furthermore, the law emphasizes the importance of fairness, impartiality, and respect for the consumers right to privacy and reputation. Inaccurate or damaging information can lead to defamation of character and unjust financial harm. 
I respectfully request that the CFPB investigate this matter. I also request your guidance and assistance in resolving these issues with the relevant credit reporting agencies and data furnishers. I believe my rights under the FCRA have been compromised, and I am seeking to ensure that only fair and substantiated information is used in the determination of my creditworthiness. 
Please let me know what additional information or documentation I need to provide in order to initiate a formal review or complaint. I appreciate your time and attention to this matter and look forward to your support in helping to correct and protect my credit profile ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing a XXXX XXXXXXXX XXXX XXXXXXXX account ( ending in XXXX ) that is still reporting on my TransUnion credit file even though it has already been deleted from my Equifax report. 

On XX/XX/year>, Equifax permanently removed this account, which increased my score by XXXX points. This removal confirms the account is unverifiable under the Fair Credit Reporting Act ( FCRA ). Despite this, TransUnion continues to report the account as delinquent. 

I provided TransUnion with the same disputes and evidence that led to Equifaxs deletion : XXXX XXXX XXXX Letter ( XX/XX/year> ) : States the XXXX  XXXX account was closed and returned to XXXX XXXXXXXX. 
XXXX CFPB Response ( XX/XX/year> ) : Confirms XXXX never reported this account to any credit bureau and can not affect my credit file. 
XXXX Letter ( XX/XX/year>, XXXX XXXX XXXX ) : Confirms they are no longer attempting to collect, showing a pattern of creditors closing out disputed accounts. 
Equifax Deletion Notice ( XX/XX/year> ) : Proves the account was unverifiable and properly deleted. 

Despite this, TransUnion has failed to delete the account. This violates my rights under the FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires deletion of unverifiable information.

15 U.S.C. 1681s-2 ( b ) : Requires furnishers to ensure consistent and accurate reporting across all CRAs after a dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Date : XXXX To : Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Cease and Desist Formal Dispute of Inaccurate Reporting Dear XXXX, I am formally disputing inaccurate and unauthorized information currently being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Section 611. The disputed item ( s ) are as follows : Creditor/Collection Agency/Company : XXXX XXXX XXXXXXXX Account/Inquiry Number XXXX XXXX XXXX Reported Status : Charge-Off / In Collections Date Reported : XX/XX/year> I assert that this information is inaccurate, unverifiable, and misleading. Reporting this account/inquiry damages my creditworthiness and violates my rights under federal law. Accordingly, I demand the following : That you conduct a full reinvestigation into the disputed item ( XXXX ). That you cease and desist from reporting or publishing this inaccurate/unverified information until the furnisher provides documented proof of its accuracy. If such documentation can not be provided, the account/inquiry must be deleted from my credit file immediately. Under the FCRA, you are required to complete this investigation within 30 days of receiving this letter and provide me with a written response. If the disputed items are not properly verified, you must remove them and issue me a corrected credit report. Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office in my state. Enclosed are copies of my government-issued identification, proof of address, and supporting documents related to this dispute. This letter serves as both a formal dispute and a cease and desist request regarding the inaccurate reporting. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit acceptance Ive made payments to my car since I have it and nothing has ever went to the car balance after having the car two years I owe more then I started with start date of contract XX/XX/year> still in contract

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 2025-08-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: ClearOne Advantage, LLC
State: CA

Complaint narrative:
XXXX, XXXX, I contacted ClearOne Advantage trying to consolidate my credit card debts. I was to pay them $ XXXX. They would negotiate my debts with XXXX, XXXX XXXX and XXXX starting this program, my credit score was XXXX which I worked very hard for. I was told by the representatives not to respond to any phone calls or letters from these creditors. They would contact these creditors for me.ClearOne Advantage tolde me not to pay any more bills. From XXXX, XXXX to XXXX, XXXX, I paid no creditors. My credit score is now XXXX. When I called in XXXX, I asked about the negotiation process, I recieved voice mail telling me they would return my call within XXXX..... nothing. Then I realized I was being ripped-off.and scammed. I never received any information as to how was the process going. I then wrote a letter demanding my monies returned and informed my bank not to process anymore ClearAdvantage payments. I had to contact a company named XXXX XXXX to get all but {$160.00} of my money which they kept for administrative fees. I want my record cleared and these charge-offs taken off my record. I contacted XXXX  and filed a report. I credit record has been tarnished and because of ClearOne Advantage not because of my carelessness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation