vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: NH

Complaint narrative:
I need to be clear, this complaint is not a mistake. Multiple accounts on my credit report are not being reported with the maximum possible accuracy and contain unverified or incorrect information. These persistent inaccuracies have continued despite my attempts to correct them and are causing measurable harm to my creditworthiness and personal well-being. The ongoing presence of unverified or erroneous entries is unfairly limiting my financial options during an already difficult time and must be treated as a serious reporting failure.

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 2025-11-06 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:
Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account [ XXXX XXXX XXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for my mortgage to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ XXXX XXXX, XXXX XXXXXXXX XXXX XXXX days late ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
Will I never gotten a statement from the debt collector yet n I was wondering about it n also my payment is due today of a {$150.00} n I was wondering if I can make a payment online

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # : XXXX / XXXX This account was not opened by me nor did I have knowledge of this also the address never lived there XXXX XXXX XXXXXXXX has deemed I am not the person responsible for opening this account please delete this fraudulent account from my consumer 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 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
I am disputing the reporting of my Leafy Financial LLC account on my credit report. The account contains multiple inaccuracies : The collection dates are inconsistent. The account is reported as a collection from XXXX through XX/XX/XXXX, but also lists XX/XX/XXXX and XX/XX/XXXX in the historical notes. It is impossible for these dates to overlap in this way. 
The payment history is inaccurate. The balance remains {$890.00} for every month from XX/XX/XXXX through XX/XX/XXXX, with no scheduled payments or payments recorded. This does not reflect normal reporting practices for a collection account. 
The ND ( XXXX XXXX ) entry in XX/XX/XXXX is unclear and inconsistent with the rest of the account history. 
I contacted Leafy Financial LLC requesting validation of the debt, including the original creditor, account balance, payment history, and proof that I am legally responsible for this debt. They did not provide this information.

These errors are negatively affecting my credit report. I am requesting that Leafy Financial LLC completely remove this account from my credit report within 7 days and confirm once this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1

692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kinum, Inc., Indianapolis, IN Branch
State: PA

Complaint narrative:
Hello, I just checked my credit report and came across a company called Kinum for a XXXX balance that shows it is due on there. I have never heard anything from a KINUM Or XXXX about that I owe a debt to them. No one has not once reached out to me through phone, mail, or email and I have been at the same residence and had the same number for years. I am very upset and confused as this is false information. If I owed anything then why havent someone ever reached out. Kinum cant validate debt and never contacted me neither has XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, Square closed my account and placed a 90-day hold on {$500.00} of my funds. I have not received any chargebacks, disputes, or notices of fraudulent activity. My linked bank account is still active. I just want the {$500.00} released to the bank account that Square already has on file instead of waiting until XX/XX/XXXX. I am requesting assistance in having the funds released earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
The tradeline in question is being falsely reported as a charge-off. This is factually incorrect. I settled this account in good faith with the debt collector assigned to it, and the matter was resolved in full according to the agreed-upon settlement terms. XXXX  refused to acknowledge multiple disputes that I have made and they refuse to remove the false reporting. In addition they keep reporting every month that it is charged off and delinquent. Possible financial refused to respond to me and will not verify I have any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: OH

Complaint narrative:
XXXXUpon my recent review of my consumer reports dated XXXX XXXX XXXX, I discovered numerous unauthorized hard inquiries appearing on my Equifax, Experian, and TransUnion files. I did not authorize, initiate, or consent to these inquiries. Each entity listed below accessed my credit file without a permissible purpose, in direct violation of FCRA 604(a) and Metro 2 reporting standards.XXXXThese inquiries have caused measurable harm to my credit profile, and no signed authorization or verifiable documentation exists to justify their presence.XXXXUnauthorized Hard Inquiries IdentifiedXXXXTransunion, Experian, & Equifax InquiriesXXXX 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 XXXX XXXX XXXXViolations and Legal BasisXXXXThese entries violate:XXXXFCRA 604(a)Credit inquiries require explicit consumer consent or permissible purpose.XXXXFCRA 607(b)Agencies must ensure maximum possible accuracy of consumer information.XXXXFCRA 611(a)Consumers have the right to dispute any information they believe is inaccurate or unverifiableXXXXFCRA 623(a)(1)(A)Data furnishers must not report information they know or have reasonable cause to believe is inaccurate.XXXXFDCPA 807(8)Prohibits communication of false or misleading credit informationXXXXnMetro 2 Compliance StandardsRequire data furnishers to verify and maintain written consent documentation for all hard inquiries.XXXXBecause none of these companies have provided verifiable proof of authorization, they are in direct violation of these laws.'

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 2025-11-06 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: OH

Complaint narrative:
XXXXUpon my recent review of my consumer reports dated XXXX XXXX XXXX, I discovered numerous unauthorized hard inquiries appearing on my Equifax, Experian, and TransUnion files. I did not authorize, initiate, or consent to these inquiries. Each entity listed below accessed my credit file without a permissible purpose, in direct violation of FCRA 604(a) and Metro 2 reporting standards.XXXXThese inquiries have caused measurable harm to my credit profile, and no signed authorization or verifiable documentation exists to justify their presence.XXXXUnauthorized Hard Inquiries IdentifiedXXXXTransunion, Experian, & Equifax InquiriesXXXX 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 XXXX XXXX XXXXViolations and Legal BasisXXXXThese entries violate:XXXXFCRA 604(a)Credit inquiries require explicit consumer consent or permissible purpose.XXXXFCRA 607(b)Agencies must ensure maximum possible accuracy of consumer information.XXXXFCRA 611(a)Consumers have the right to dispute any information they believe is inaccurate or unverifiableXXXXFCRA 623(a)(1)(A)Data furnishers must not report information they know or have reasonable cause to believe is inaccurate.XXXXFDCPA 807(8)Prohibits communication of false or misleading credit informationXXXXnMetro 2 Compliance StandardsRequire data furnishers to verify and maintain written consent documentation for all hard inquiries.XXXXBecause none of these companies have provided verifiable proof of authorization, they are in direct violation of these laws.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am writing to dispute the reappearance of a collection account listed under Portfolio Recovery Associates. This account was previously deleted from my credit report but has since been reinserted without the legally required written notice as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). This constitutes an unlawful reinsertion and a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: IN

Complaint narrative:
On or around XX/XX/XXXX, I paid my full XXXX payment. Later that month, I made an additional payment of {$390.00}, which was intended as a partial payment toward XXXX, leaving a remaining balance of approximately {$100.00} due on the due date. However, this payment was misapplied toward unexplained fees, resulting in my account being incorrectly marked delinquent in XXXX. 
Following this, I was informed that I would need to pay the full balance including these disputed fees to avoid repossession. This situation is particularly distressing given that I have been a consistent, on-time customer for over XXXX  months with no prior late payments reported to the credit bureaus. 
Additionally, I have experienced harassing and threatening communication from an employee named XXXX, including repeated calls and texts to both myself and my family members. Some of his statements such as I hope youre prepared for the consequences of not answering the phone made me feel threatened and unsafe. This conduct violates both company policy and federal debt collection laws. 
I appreciate that XXXX, a supervisor, has previously handled my concerns respectfully and professionally, and I would prefer all future communication be directed through him or another authorized representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am being repeatedly pursued for a debt that I do not owe. This alleged debt has been previously owned by at least XXXX other creditors, each of whom attempted to collect from me without success. I have provided proof multiple times that this debt is invalid, and it has been removed from my credit report whenever it was reported. 

Most recently, Midland Credit Management filed a civil case in XXXX XXXX XXXX Florida, XXXX No. XXXX on XX/XX/year>. I was never served with the summons or complaint and only discovered the case because of a background check. Because proper service is required before a court can exercise jurisdiction, the filing is procedurally defective.

Despite having no legal standing, Midland continues to pursue this invalid debt. Their repeated actions constitute harassment and illegal debt collection practices. 

I am requesting that the CFPB investigate Midland Credit Management for improper debt collection practices, including filing civil actions without proper service and attempting to collect debts that are not owed. 

Requested Action : Investigate Midland Credit Managements repeated attempts to collect a debt I do not owe. 
Ensure they cease any further collection activity until proper proof and service are provided. 
Take appropriate enforcement action for violations of federal debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. cXX/XX/XXXXe XXXX ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. cXX/XX/XXXXe XXXX ( b ) billing error- ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

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 2025-11-06 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: LEXISNEXIS
State: NV

Complaint narrative:
To Whom It May Concern, I recently obtained a copy of my LexisNexis Full File Disclosure, and upon review, I discovered information that I believe is inaccurate, incomplete, outdated, or unverifiable. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681c-2 ), I am requesting that LexisNexis conduct a reinvestigation of the following items and delete or correct any information that can not be verified. 

XXXX. XXXX Collections XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX. XXXX Demand Deposit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. XXXX Demand Deposit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. XXXX Demand Deposit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. XXXX Demand Deposit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. XXXX Demand Deposit XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, PA XXXX. XXXX Demand Deposit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX. XXXX Demand Deposit XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. XXXX Demand Deposit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WY I contacted all the creditors that placed the inquiries and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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