vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
I recently checked my credit report and noticed multiple accounts that are invalid and do not belong to me. These accounts are detrimental to me moving forward and I am asking for immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I recently checked my credit report and noticed multiple accounts that are invalid and do not belong to me. These accounts are detrimental to me moving forward and I am asking for immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 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 2025-07-22 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:
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 2025-07-22 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: MO

Complaint narrative:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: OK

Complaint narrative:
I am requesting your help in launching an investigation regarding these accounts, which are currently being misreported on my credit report. Under the provisions of USC 1681g, I am formally seeking their removal within 15 days. All relevant supporting documents are attached for your evaluation. It is also important to note that these accounts are being reported differently and inaccurately by each credit bureau.

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 2025-07-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : XXXX  Dispute Letter to Remove Inaccurate Late Payment Reporting ( E-Oscar Ready Code Based Metro 2 Format ) Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting Issue : Late Payments 30 Days ( XXXX ), 60 Days ( XXXX ), 90 Days ( XXXX ) Dear Compliance Department, I am formally disputing the accuracy and integrity of the payment history being reported on my XXXX account referenced above. Your records show alleged late payments for XXXX ( 30 days ), XXXX ( 60 days ), and XXXX ( 90 days ) which I assert are inaccurate, incomplete, and not in compliance with federal laws and the Metro 2 reporting standards required under the FCRA 602 ( A ), 607 ( B ), 611, and the Consumer Financial Protection Bureau ( CFPB ) guidelines. 
LEGAL BASIS FOR REMOVAL : FCRA 607 ( b ) Requires furnishers of information to maintain maximum possible accuracy.FCRA 611 ( a ) ( 1 ) ( A ) You are required to conduct a reasonable investigation once a dispute is received.FCRA 602 ( A ) Consumer credit reporting must be fair and equitable with regard to confidentiality, accuracy, relevancy, and proper utilization.15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) A furnisher may not report information it knows or has reason to believe is inaccurate.

Furthermore, based on the Metro 2 Compliance, any tradeline that lacks verifiable and complete documentation must be corrected or deleted. Reporting a payment as late without certified proof such as timestamps, billing logs, or account statements constitutes a violation of the FCRA and may be considered willful noncompliance under 616 & 617, subject to statutory damages. 

XXXX & E-OSCAR DISPUTE CODE STRUCTURE : * Code 001A Disputing accuracy of late payments * Code 103B Verification of data incomplete * Code 112C Data furnisher failed to respond with documentation * Code 202M Incomplete or unverifiable information in account history * Request : Remove ALL late payments and update to " Pays As Agreed '' ACTION REQUESTED : I respectfully request that you : 1. Investigate and remove the inaccurate late payments from XXXX, XXXX, and XXXX. 
2. Correct the account reporting to reflect Pays as Agreed status across all credit bureaus. 
3. Provide me with written confirmation of your investigation results per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) within 30 days. 
Failure to comply may result in me filing formal complaints with the CFPB, the FTC, and/or initiating legal action for damages under FCRA 616 & 617. 
Thank you for your immediate attention to this serious 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 explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Im was trying to buy a house and I realized that I have damages on my credit report according to the 15 U.S.C 1681 there should not be any damages on my report its a defamation to my character

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 2025-07-22 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: AL

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 non-monetary relief
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Complaint Regarding Inadequate Dispute Investigation by Experian To Whom It May Concern, I am writing to formally lodge a complaint against Experian for failing to conduct a reasonable investigation into a recent credit dispute I submitted. My initial dispute was submitted on XXXX XXXX. Experian then updated my results on XX/XX/XXXX, XXXX.My concern lies in the fact that Experian marked my dispute as completed in less than 24 hours after it was submitted.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), a credit reporting agency is required to conduct a reasonable reinvestigation of any disputed information unless it is deemed frivolous or irrelevant. It is not reasonably possible for Experian to have completed a thorough, good-faith investigation into the mattercontacting the furnisher of the information, verifying documentation, and properly assessing the disputein such a short time frame. 

This rapid turnaround strongly suggests that no meaningful effort was made to validate or verify the accuracy of the information in question. The FCRA further mandates that if a consumer disputes information, the credit bureau must provide notification of the dispute to the furnisher within 5 business days ( 15 U.S.C. 1681i ( a ) ( 2 ) ). Again, the 24-hour timeframe indicates that this may not have occurred, or was done hastily and improperly.

I am requesting the CFPB investigate Experians failure to comply with their obligations under the FCRA and ensure that they are held accountable for not following proper dispute procedures. Consumers rely on fair and thorough dispute processes to maintain accurate credit profiles, and this lack of diligence directly undermines that process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, 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 2025-07-22 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: WA

Complaint narrative:
My credit is extremely important to me, and I have a genuine concern regarding the inaccurate information currently appearing on my credit report. These inaccuracies are causing ongoing stress and are directly impacting my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Through a meticulous reassessment of my credit report under your institution, I have discovered discrepancies violating my consumer rights to an entirely accurate, complete, current, and timely credit record consisting strictly of validated or authenticated details, no matter if the classification is positive, negative, or neutral. 

I demand you withdraw all misrepresented credit data tied to my financial profile : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Repeal XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ERASE PERMANENTLY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Set Aside Claim XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Remove XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Revoke XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Rescind XXXX XXXX XXXX XX/XX/year> erase permanently XXXX XXXX XX/XX/year> Delete XXXX XXXX XXXXXX/XX/year> Abrogate XXXX XX/XX/year> Void XXXX XXXXXX/XX/year> Remove XXXX XXXXXX/XX/year> Set Aside Claim XXXX XX/XX/year> REMOVE Immediate eradication of the incorrectly recorded item ( s ) is required, act instantly!

Given the clearly inaccurate items and their corresponding account identifiers already presented, a fundamental principle must be established : ethical and legally sound information conveyance is a nonnegotiable statutory duty for all entities operating within the credit reporting system, as mandated by the Fair Credit Reporting Act ( FCRA ).

The well-established pattern of inaccuracies and inconsistencies disseminated by furnishers, credit bureaus, and collection agencies starkly highlights the critical necessity for unwavering fidelity to legally prescribed standards of truth and precision in consumer credit reporting.

Therefore, the immediate and thorough remediation or outright removal of these flawed entries transcends a mere administrative task ; it represents a core ethical and legal imperative to ensure equitable and truthful credit profiles for all consumers subjected to your data reporting practices.

The ongoing inclusion ( s ) of any and all faulty data compels immediate redress. Lawful reporting is a fundamental requirement, and precise information is the standard, so right NOW YOU MUST Correct these inaccuracies without delay.

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 2025-07-22 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: TX

Complaint narrative:
Dear CFPB, I hope this message finds you well. 
I am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law. 
As per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.

In light of these regulations, I must highlight that XXXX XXXX {$470.00}, XXXX XX/XX/XXXX {$11000.00}, XXXX XX/XX/XXXX {$530.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$120.00}, XXXX XXXX XX/XX/XXXX {$260.00} has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information. 
I kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-07-22 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
[ XXXX XXXX ] XXXX XXXX XXXX XXXX, NC XXXX Phone : [ XXXX ] Email : [ XXXX ] Date : [ XXXX ] To : [ Equifax XXXX Experian XXXX TransUnion choose one per letter ] [ Address of Credit Bureau see below ] Subject : Dispute of Inaccurate Charge-Off Entry Under FCRA XXXX XXXX Account Ending in XXXX Re : CFPB Complaint # XXXX I am writing again to formally dispute the inaccurate information that is appearing on my credit report in relation to an account held with XXXX XXXX XXXX XXXX ( SECU XXXX XXXX The account in question is a XXXX  Salary Advance Loan ( SALO ), ending in XXXX, which XXXX has reported as charged-off and 120 days delinquent as of XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], I am exercising my right to dispute inaccurate and incomplete information. According to correspondence I received directly from XXXX dated XX/XX/year>, XXXX acknowledges that while the account is accurately being reported as unpaid and charged-off, the account is incorrectly listed as 90 days delinquent for the month of XX/XX/year>. 

This is inaccurate and misleading. XXXX confirmed that they submitted a correction to the consumer reporting agencies so that the record reflects 120 days delinquency for XX/XX/year>, not 90 days. The current reporting does not reflect this correction and is therefore not consistent with SECUs own records. 

Accordingly, I am requesting that your agency : XXXX. Investigate this account and verify the accuracy of the reported delinquency and charge-off dates. 
XXXX. Update the tradeline to reflect accurate information, as confirmed by the creditor ( XXXX  ). 
XXXX. Provide me with written confirmation once the investigation has been completed and the file has been corrected or verified. 

In support of my dispute, I have attached a copy of SECUs letter dated XX/XX/year>, which confirms the reporting discrepancy and the corrective steps taken by the creditor. 

Please be advised that under FCRA 1681i ( a ) ( 1 ), you are required to conduct a reasonable investigation of my dispute and respond within 30 days. If this information can not be verified, it must be promptly deleted from my credit file. 

Thanks for your attention to this matter. I look forward to receiving confirmation of the resolution of this dispute. 

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 explanation