vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: SC

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 2025-08-08 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: MN

Complaint narrative:
The Nordst/TD account has multiple errors. The dates of first delinquency is not listed at all. Dates for " date closed '' and " date of last activity are inconsistent or missing. High credit and months reviewed don't match between the bureaus. The account was last active years ago, yet the date reported was recently updated which look like re-aging. If the company can't provide complete and consistent documentation proving the accuracy of every detail, then the account is not verifiable under the FCA and must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Illinois XXXX XX/XX/year> Trans union XXXX XXXX XXXXXXXX, XXXX, PA XXXX Re : Demand for Immediate Correction and Damages Under 15 U.S.C. 1681 To Whom It May Concern : I am writing to formally notify you that you are reporting inaccurate information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This inaccuracy has caused me measurable financial harm, including the loss of an opportunity to purchase a home.

The specific inaccurate information is as follows : XXXX XXXX XXXX XXXX Nature of Inaccuracy : [ e.g., This account does not belong to me/ This account was settled and should not be reported as delinquent / Other ] Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information in a consumers credit file within 30 days. Additionally, 15 U.S.C. 1681e ( b ) requires you to follow reasonable procedures to assure maximum possible accuracy of the information you report.

Because you failed to ensure the accuracy of my report, you have violated the FCRA. As a direct result, I was denied the ability to secure financing for a home purchase, causing substantial financial and emotional damages. Pursuant to 15 U.S.C. 1681n and 1681o, you are liable for actual damages, statutory damages, court costs, attorneys fees, and punitive damages for willful or negligent noncompliance.

Demand : 1. Immediately delete or correct the inaccurate information.

2. Provide me with a corrected copy of my credit report.

3. Confirm in writing within 15 days that the above actions have been completed.

4. Compensate me for the damages caused by your violation of the FCRA.

If you fail to comply, I will have no choice but to pursue all available legal remedies, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating a lawsuit to recover damages.

This letter serves as your formal notice and demand. Please govern yourself accordingly. 

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau P.O. Box 27170 Washington , DC 20038 Subject : Complaint to Remove Inaccurate and Unverifiable Information from Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of inaccurate, incomplete, or unverifiable information appearing on my Equifax credit report dated XX/XX/year>, Confirmation # XXXX. 

Specifically, I am disputing the following accounts which I believe contain errors or have not been properly verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Charged Off Account Any other negative or derogatory items on the report that are inaccurate or unverifiable. 


Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that any information that can not be verified or is inaccurate must be removed from my credit report immediately. 

I request that the CFPB investigate these accounts and take all necessary actions to ensure that my credit report accurately reflects my credit history. If these accounts can not be verified, they must be deleted to prevent further harm to my creditworthiness. 

I appreciate your prompt attention to this matter. Please provide me with confirmation once these inaccurate or unverifiable accounts are removed. 

Thank you for your assistance. 

Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: KY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-08 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-08 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Experian to statutory, actual, and punitive damages, including attorney 's fees. I expect written confirmation once deletions are complete

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: IL

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 2025-08-08 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: IL

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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Good day, I have been wrongfully burdened with an unverified debt that is not mine, while being subjected to persistent harassment across multiple communication channels. Threats of legal action over a debt I do not owe are unacceptable and constitute a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

This matter has caused significant harm to my well-being, including ongoing stress and loss of sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: MA

Complaint narrative:
Dear CFPB / Debt Collector, I am filing a complaint regarding XXXX debt collection accounts now appearing on my credit reports, both of which were allegedly sold to Midland Credit Management without my knowledge or consent : XXXX XXXX {$340.00} balance XXXX XXXX. {$2600.00} balance I have no relationship with Midland Credit Management and was never notified or contracted with them directly. I dispute the validity of these debts and request a full investigation. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of each debt, including : A signed contract or agreement bearing my signature A complete, itemized accounting of the alleged balance Proof of legal assignment or ownership from the original creditor to Midland Credit Management The Forward Flow Agreement or Bill of Sale showing what documents were transferred Proof of Midlands license to collect debts in my state Despite these demands, no such documentation has been provided. 
Without these, the debts are unverified and must be deleted from my credit reports. 

Continuing to report unverified debts is a violation of : FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ) FCRA 1681s-2 ( b ) ( failure to investigate disputed information ) FDCPA 1692g ( b ) ( failure to cease collection until debt is validated ) Furthermore, I issued a cease and desist notice under FDCPA 805 ( c ) / 15 U.S.C. 1692c ( c ). Any continued collection activity without proper validation constitutes harassment and an additional violation of federal law.

Case law supports my position : Clark v. Capital Credit, 460 F.3d 1162 ( 9th Cir. 2006 ) requiring strict compliance with FDCPA validation provisions.

Greco v. Trauner, 412 F.3d 360 ( 2d Cir. 2005 ) debt collectors must clearly comply with dispute and validation rights.

Cushman v. Trans Union, 115 F.3d 220 ( 3d Cir. 1997 ) CRAs must do more than accept the furnishers word in a dispute.

Dennis v. BEH-1, 520 F.3d 1066 ( 9th Cir. 2008 ) continued reporting of unverified debt violates the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
Please help me investigate accounts from these companies that are incorrectly reporting me as late. Upon reviewing my credit report, I found certain accounts with inaccurate late payment marks. These accounts should not have any late payment remarks. I request these remarks be removed and the accounts updated to reflect the agreed positive status.

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 2025-08-08 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: NC

Complaint narrative:
I HAVE DISPUTED THESE XXXX FRAUD ACCOUNTS WITH EQUIFAX FOR OVER A YEAR AND SHOWN PROOF AND EVIDENCE TO SUPPORT MY TRUTH, BUT EQUIFAX KEEPS ALLOWING XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX TO REPORT FRAUD ACCOUNTS TO MY CREDIT FILE, NOW ITS DONE CREDIT RUINS AND I HAVE LOST MY HOUSE LOAN AND MY DOWN PAYMENT OF {$200000.00} DUE TO EQUIFAX ALLOWING THESE XXXX BANKS JUST TO SAY UNBLOCK AND PUT BACK ON TRADE LINE WITHOUT SHOWING ANY PROOF. I SHOW ALL THE PROOF, EVEN COURT DISMISSAL FROM XXXX XXXXXXXX XXXX AND XXXX XXXX SAYING THEY WERE BOTH FRAUD ACCOUNTS AND CASE IS DISMISSED TO IDENTITY THEFT OF XXXX XXXX XXXX, BUT THATS NOT GOOD ENOUGH I GUESS. I HAVE SEEKED LEGAL ACTIONS NOW SINCE I LOST MY HOUSE LOAN AND DOWN PAYMENT BECAUSE I HAVE NO CHOICE IN THIS MATTER. CAN YOU PLEASE BLOCK THESE FRAUD ACCOUNT OF XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND LET ME SALVAGE THESE LOAN AND TRY TO GET IT BACK WITH MY BANK AND WERE I DON'T MY DOWN PAYMENT, ITS PROBABLY TO LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, 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 non-monetary relief
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
This collection was removed from my XXXX  report between XX/XX/year>XXXX  and XX/XX/year>. Please remove this collection from my TransUnion and Experian reports. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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 am filing a subsequent complaint concerning the accounts listed on my credit report. Following a thorough examination of my records, I am firmly convinced that these accounts have been inaccurately reported, resulting in a detrimental impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the items that I request to be investigated and updated : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1800.00}

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