vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: GA

Complaint narrative:
After checking my Experian report I noticed fraudulent accounts, names, phone numbers and addresses on my report. I have listed the fraudulent accounts on my identity theft report. There are also fraudulent names reporting to my Experian report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all fraudulent and need to be removed along with the addresses, phone numbers, and accounts because they are 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 2025-08-12 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: CA

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter and am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress by inaccurately representing my credit history and responsibilities. These fraudulent items have hindered my ability to achieve important financial goals, such as purchasing a home and meeting my family 's needs. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: CA

Complaint narrative:
Despite my repeated efforts to dispute the fraudulent, inaccurate, and misleading information appearing on my consumer report, these items continue to remain unresolved. The presence of this unauthorized information has caused me considerable stress and financial hardship, as I never consented to or authorized the association of these accounts with my personal information. As a victim of identity theft, I require immediate assistance in removing these damaging entries that do not reflect my actual credit history or financial behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've been trying to access my credit report for months and each time I log into Equifax 's website I have no credit profile at all. I've even received communications in the mail stating Equifax could not find a credit profile utilizing the information I submitted ; which was a copy of my Social Security Card and Driver 's License. I've most recently sent another request to Equifax on XX/XX/year> via XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: NC

Complaint narrative:
I have a charged-off loan with Mariner Finance that I acknowledge is my responsibility. The original balance was approximately {$5000.00}. Due to a prolonged period in which I was dealing with multiple identity theft incid

ents and confirming which accounts were legitimate, payments to Mariner stopped. In less than two years, the balance increased to over {$8300.00}, and despite being charged off approximately two years ago, the account continues to accrue daily interest. When I contacted Mariner Finance on XXXX ( spoke to XXXX XXXX XXXX to discuss repayment or settlement and explained my circumstances, I requested written documentation outlining any proposed agreement, payment plan, or confirmation of my good-faith effort to address the debt. Mariner refused to provide any written terms. They also declined to provide documentation showing my payment history if I were to settle, instead verbally stating that the additional ~ {$3000.00} in accrued interest would just fall off at the end of the settlement. They would not confirm this in writing. 

The only settlement option they offered was to reduce the balance to XXXX XXXXbut only if I agreed to break it into exactly 12 monthly payments of {$480.00} each. They would not consider any longer repayment period or lower monthly payment. Given that such a high payment amount is unmanageable for many borrowers, I believe this type of offer is designed to make repayment difficult or impossible, which is predatory in nature. 

I believe these practicesrefusing to provide written terms, offering unrealistic repayment plansare deceptive, unfair, and predatory, leaving me without verifiable proof of the terms or my repayment history, and at risk of future disputes. These practices appear consistent with broader allegations against Mariner Finance across the country. Multiple statesincluding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXXXXXX filed lawsuits or enforcement actions alleging that Mariner engages in predatory lending practices, including loan flipping, adding costly and unwanted products or fees without clear consent, and charging high interest rates that, when add-ons are factored in, can exceed 40 % APR. 

On XXXX, I contacted an attorney regarding potential inclusion in a pending lawsuit in XXXX XXXX against Mariner Finance over similar practices, and filed a complaint with the XXXX XXXX Attorney General 's office. Based on my experience and the allegations in these cases, I believe Mariners refusal to provide written documentation of repayment terms or settlements, combined with their inflexible and unrealistic payment requirements, is part of a broader pattern of predatory and nontransparent business conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MS

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 XXXX XXXX XXXX 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 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 2025-08-12 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: NE

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear XXXX XXXX I am writing to formally dispute a late payment reported on my credit record, which occurred in XX/XX/year>. The payment in question was XXXX and I believe this late payment was reported in error due to a technical issue. 

Please note that I have consistently made all my payments on time, and this isolated incident was not reflective of my usual payment behavior. The payment for XX/XX/year> was declined twice due to a mistake in my bank account, which was linked to my auto-pay system. As a result, I was unaware that the payment had not gone through, as I assumed it had been processed automatically. 

Once I noticed the issue, I promptly resolved it and ensured that all future payments were made on time. I would like to request that this late payment be removed from my credit report, as it was an isolated incident caused by an error, not due to any negligence on my part. 

Thank you for your attention to this matter. I appreciate your prompt review and assistance in correcting this error. Please do not hesitate to contact me should you need any further information. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA

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 2025-08-12 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: GA

Complaint narrative:
Dear XXXX XXXX I am writing to formally dispute a late payment reported on my credit record, which occurred in XX/XX/year>. The payment in question was XXXX and I believe this late payment was reported in error due to a technical issue. 

Please note that I have consistently made all my payments on time, and this isolated incident was not reflective of my usual payment behavior. The payment for XX/XX/year> was declined twice due to a mistake in my bank account, which was linked to my auto-pay system. As a result, I was unaware that the payment had not gone through, as I assumed it had been processed automatically. 

Once I noticed the issue, I promptly resolved it and ensured that all future payments were made on time. I would like to request that this late payment be removed from my credit report, as it was an isolated incident caused by an error, not due to any negligence on my part. 

Thank you for your attention to this matter. I appreciate your prompt review and assistance in correcting this error. Please do not hesitate to contact me should you need any further information. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$470.00} REPORTING ON ALL BUREAU ( EXPERIANXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX REPORTING ON ALL BUREAU ( EXPERIAN, XXXX XXXX XXXXXXXX XXXX ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT is in clear and continuing violation of federal law. A valid cease and desist letter was received from me on XX/XX/year>, yet they have willfully chosen to continue reporting the referenced account on my consumer file. This constitutes a violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Should this action continue and they don't cease by removing this account from all XXXX consumer reporting agencies, then I will be filing a complaint with the Attorney General as well as filing suit for FDCPA and FCRA violations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : 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

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: HW Holding, Inc
State: IL

Complaint narrative:
am filing this complaint because a collection agency Hunter Warfield Accout XXXX : XXXX as circled in the attached document, is reporting inaccurate information on my credit report. 

The dispute stems from XXXX in the apartment I rented, which I reported to and was resolved by maintenance at least XXXX different occasions during my tenancy. I moved out in XX/XX/XXXX. The last maintenance was completed XX/XX/XXXX, at the expiration of my lease without disagreement over Rent nor Repairs- ( see attached notes ) only to be put in collection for a debt owed afterward. 
As shown in the video the XXXX in question came from leaking Roof, Dilapitation and Derelict foundation. The main access areas and lobby of my building has XXXX everywhere and was becoming harmful for my children and others, especially with breathing difficulty- XXXX, the air was bad and the heat never worked priperly. I have more videos to share if necessary and the other Tennants account can be found on the XXXX group page. This is public knowledge. 

I have disputed the account and requested validation from the debt collector, but they failed to provide proper documentation proving that the debt is valid and that I am legally responsible for it. Despite this, the agency continues to report the account to the credit bureaus. I have also contacted my former landlord - XXXX XXXX XXXXXXXX XXXX, who have failed to resolve it on their side. 

This entry into my credit report and the refusal of XXXX XXXX  XXXX XXXX to resolve this issue have caused damages to my ability to find a new property for rent. Also, it has become clear to me that my information has been sheared with other bureaus and sgencies without my consent. 

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require that all information reported to credit bureaus be accurate and verifiable. I am requesting that this collection account be removed from my credit reports with all Credit Reporting Bureaus XXXX XXXX XXXX XXXX XXXX XXXX and that the collection agency and XXXX XXXX XXXX XXXXXXXX cease all reporting and communication about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
Identity theft attached XXXX  file somebody stole our identity.

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 2025-08-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I found accounts and inquiries on my account that dont belong to me.

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 2025-08-12 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: GA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : Experian XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} Account number XXXX Account type Unsecured Date opened XX/XX/XXXX Open XXXX XXXX {$8200.00} Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Closed XXXX XXXX XXXX XXXX {$5000.00} Account info Account number XXXX Open/Closed Closed Date opened XX/XX/XXXXXXXX XXXX {$850.00} Account Info Account number XXXX Open/Closed Closed Date opened XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00} Account info Account Number XXXX XXXX XXXX Open/Closed Open Opened XX/XX/XXXXXXXX XXXX {$8200.00} Account info Account number Open/Closed Open Date opened XX/XX/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