vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: SC

Complaint narrative:
I'm not filing this claim in the XXXX person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal reports and has had a negative effect on my life extremely reducing the ability to obtain any credit in my name. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Outdated Personal Information : Addresses I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am making this request based on the Fair Debt Collection Practices Act ( FDCPA ), which governs the practices of collection agencies. Specifically, I believe that the collection agency has not adhered to the regulations set forth in this act, and as such, I am entitled to have this account removed from my credit repor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Resurgent Capital Services reached out to my sister through email and disclosed the creditor, account number, and debt owed in said email. They also addressed the email to me, but sent to her. 

I did not give them permission to reach out to ANY of my family. This is not the first time theyve reached out to my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) regarding inaccurate and misleading information reported on my Experian credit file.

The following accounts are listed as collection or charged-off accounts but continue to show past due balances despite being charged off or sent to collections, which raises concerns under the FCRAs accuracy and reinvestigation requirements : XXXX. XXXX  XXXX Account # XXXX Opened XX/XX/XXXX This account is marked as charged off with a past due balance of {$840.00}. 

If this debt has been sold or transferred, Experian is required to ensure it reports a {$0.00} balance from the original creditor. 

Reporting a past due balance after charge-off without clarifying ownership XXXX be misleading and inaccurate under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ). 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX A collection account for {$940.00} is listed with a past due amount also at {$940.00}. 

The data indicates the account was disputed by me previously, but no update or resolution was provided. 

I request a reinvestigation and removal or correction in accordance with FCRA. 



XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX This account is closed and marked as a collection account with a {$5100.00} past due amount. 

However, it is also marked Never late, which directly contradicts the collection status. 

The inconsistency in payment history undermines the accuracy requirement under FCRA. 



XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX Opened XX/XX/XXXX This second student loan entry mirrors the previous case, showing {$4300.00} past due but with a status of Never late. 

This inconsistency presents another example of potentially misreported or incomplete data.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to request the CFPB 's assistance in ensuring that Equifax complies with my formal dispute and provides a complete and specific description of the procedures used to verify the information on two accounts I previously disputed, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). In addition to this complaint, I have attached the full dispute letter, which includes specific challenges to the accuracy and completeness of the data reported by Equifax. I am not disputing ownership of the accounts in question I am disputing the accuracy and completeness of the information being reported. I am also attaching this complaint as a follow-up to prior requests already submitted to Equifax, including my prior letter and dispute documentation. I expect Equifax to honor the requests made in my letter and to investigate and address each disputed item in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I am disputing a negative item on my credit report related to a student loan serviced by Nelnet. Nelnet acknowledged that they did not have the correct email address, phone number, or home address on file when they took over servicing the loan. As a result, I was never contacted or notified about any payments due. 

The only documentation Nelnet provided was a generic, system-generated message acknowledging that they had incorrect contact information on file ( specifically, my email address and phone number ). They explained that their system does not allow for customized or detailed correspondence, so they were unable to elaborate further. This response does not accurately represent the full context of my situation, and it was only sent after I proactively contacted them and provided my correct contact information.

Due to Nelnets failure to maintain accurate contact information, I was unaware that the loan was active or that any payments were required. I was not given a fair opportunity to bring the account current or avoid delinquency.

I only discovered these negative marks when I checked my credit report on my own. As soon as I became aware of the issue, I immediately took action by placing the account into deferment a standard option I have used responsibly in the past. There is no reason I would have let the account become delinquent if I had known payments were due, as I have always maintained an impeccable payment history. 

My credit reports reflects the following delinquencies : _____________________________________________________________________ __________ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ____________________________________________________________________ I submitted XXXX dispute to XXXX XXXX XXXX XXXX XXXX XXXX supporting documentation XXXX but they declined to remove the negative item. Due to character limits on their online dispute forms, I was only able to include the generic message provided by Nelnet and a brief description of the situation, which limited my ability to fully explain the context.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I just recently review my credit report and noticed fraudulent accounts on my credit report. I demand it be removed because it is hurting my ability to obtain credit.

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 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am a Massachusetts resident. Midland Credit Management currently holds two accounts ( oXXXX for XXXX XXXX, and the other for XXXX XXXX  ) related to my name. During a recent phone call where both accounts were being discussed, when I said I needed to think about the offer and call the following day ( and tried to leave the conversation ), the representative made statements indicating that the account was in a pre-legal phase and implied that if I did not agree to set up payments, they could not guarantee it would remain in that status. I believe this was intended to create false urgency and improper pressure regarding potential legal action, which I understand may violate the FDCPA and Massachusetts debt collection regulations.

When I continued to tell the representative that I needed to consider their offer and would return the call the next day, they believed I would not call back. They then stated that if I did not follow up as promised the following day, they would then assume that I was " refusing to pay, '' and would treat it as such. I believe this misrepresents my rights under Massachusetts law and constitutes an unfair collection practice. I am trying in good faith to resolve this, and being pressured to immediately accept terms and make a payment, as well as threatening to interpret my need to think through a large decision as a refusal to cooperate and address an account, is not conducive to resolving the account.

During the same call, Midland used New York state disclosures instead of Massachusetts disclosures, even though my Massachusetts address was the most recently updated address on my credit report at the time that Midland had accessed my credit report. I could see this from downloading my annual reports.

Both the representative and supervisor gave only first names, not full names or employee IDs. While I understand this does not violate federal requirements, I believe it violates Massachusetts ' requirements for meaningful disclosure of identity in oral communications. My understanding is this consists of both a first and last name or an employee ID.

I am attempting to resolve the accounts and move forward with my life, but I believe these actions violate consumer protections. I am asking that these issues be corrected and that I am given an opportunity to resolve the accounts fairly, with proper disclosures and reasonable treatment of someone acting in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IN

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, Equifax & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2025-06-20 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:
I'm not filing this claim in the XXXX person. I am a living man whose privacy rights have been violated. The accounts listed below have been reporting to my personal reports and has had a negative effect on my life extremely reducing the ability to obtain any credit in my name. 

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Outdated Personal Information : Addresses I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I make regular, on-time payments every month. Their APR is outrageous, but I am willing to pay it for the convenience of using their cards. Yesterday, XX/XX/year>, Citibank, with no warning decreased my credit limits to what I owe on the cards. This is crippling my business from making and tracking expenses. By doing this, they are trying to put me out of business and hinder future prosperity. Why can these banks think that they can just change the agreement we had, when I took out the cards, on a whim?

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-20 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: NC

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-20 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: NC

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: HI

Complaint narrative:
Several companies have accessed my credit report without authorization, causing direct and measurable harm to both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honoredthese inquiries remain, and your failure to act is unacceptable. 
The continued presence of these unauthorized and potentially fraudulent entries raises serious concerns, including the possibility of identity theft. This issue is not only damaging my financial standing but is also causing ongoing emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am filing this complaint against Hunter Warfield , Inc., a third-party debt collector currently reporting a rental-related collection account on my credit report. I formally disputed this account and requested validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Despite this request, Hunter Warfield has continued to report the alleged debt without providing any documentation to substantiate the claim.

Specifically, Hunter Warfield has failed to provide : A copy of the original lease or rental agreement bearing my signature ; An itemized accounting of the debt including rent, damages, fees, or credits ; A final move-out statement or damage assessment from the property ; Proof of the chain of title or legal assignment i.e., documentation that the debt was lawfully transferred or assigned to them for collection ; Evidence they are licensed to collect debt in my state.

I also contacted the credit bureau and was informed that they rely solely on the furnisher ( Hunter Warfield ) to verify the debt and do not require supporting documents during the dispute process. This is in direct conflict with FCRA 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation, and 1681e ( b ), which mandates maximum possible accuracy. 

Reporting an unvalidated, disputed, and unverified debt without the required chain of agreement is materially misleading and a clear violation of both the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CT

Complaint narrative:
Let me be absolutely clearthis complaint is not submitted in error. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These errors are causing ongoing and serious harm to my financial standing and personal well-being.

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