vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX To : Midland Credit Management Subject : Request for Account Verification Under FCRA Section 609 Dear Midland Credit Management, I am writing to formally request verification of an item listed on my credit report, pursuant to my rights under Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). 
The account in question is : Midland Credit Management As per the FCRA, I am entitled to see the source of the information, including the original contract bearing my signature that was used to validate this account. If you are unable to provide this documentation, the account must be removed from my credit report. 

If you can not verify the account with the original signed contract, I request that the item be deleted from my credit report within 30 days of receipt of this letter, as required by law. 
Please send your response to the address listed above. I also request that any future correspondence regarding this matter be in writing. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-23 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: Activehours
State: TX

Complaint narrative:
I am filing this complaint against Earnin for unfair and inaccurate credit reporting. 

Earnin is currently reporting late payments on my credit file, despite the fact that I never signed a loan agreement or contract granting them the authority to report negative payment history to the credit bureaus. Unlike traditional credit products, Earnin markets itself as a cash advance/pay access service, not a loan subject to standard reporting obligations. 

Because no legally binding contract exists that outlines credit reporting terms, Earnins decision to report negative information is unfair, misleading, and constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), which prohibits furnishers from reporting inaccurate or incomplete information. These late payment notations are inaccurate and unverifiable, as Earnin can not produce any contractual basis or consumer authorization permitting such reporting. 

Relief Requested : That Earnin provide proof of any signed contract authorizing them to report negative payment history. 
That CFPB direct Earnin to immediately update my account to show paid as agreed or delete the late payment history entirely. 
That CFPB review Earnins reporting practices to ensure they are compliant with federal consumer protection laws, especially since Earnins business model is not structured as a traditional credit product. 

I request that this matter be investigated, and that my credit report be corrected to remove these unfair and damaging late payment records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be confirmed as accurate, they should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to dispute and request the removal of a fraudulent Account that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft. 

The details of the fraudulent account are as follows : Creditor Name : CITI Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$5600.00} I discovered this account while reviewing my credit report, and I did not authorize or initiate credit card. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( IRC 26 U.S.C.6050P ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

Thank you for your prompt attention to this 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 2025-09-23 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
On XX/XX/XXXX my information was used to inquire about something called XXXX XXXX, I never gave my info to anybody or applied for this. 

On XX/XX/XXXX XXXX XXXX Pulled my credit profile and I never authorized them to do that. 

Both Of Those Inquiries came from Transunion. 

The XXXX  XXXX Is On Experian And Equifax Also. 

XXXX XXXX XXXX pulled my credit profile also with Equifax and Experian on XX/XX/XXXX Experian has multiple hard pulls, that I did not authorize XXXX, I never gave them permission to run my credit. They did on XX/XX/XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Also all ran my credit. And I have no clue what XXXX XXXX XXXX my credit XX/XX/XXXX which I never been to or gave permission to run my credit. Ive disputed multiple things before that have happened around these same time frames, someone using my identity to try to get accounts and credit cards, none of the above were me. I need all these inquiries removed. Ive reached out to every party to get this resolved and it still has not. 

On XX/XX/XXXX, TransUnion experienced a cyber incident involving unauthorized access to a thirdparty application used in its U.S. consumer support operations.

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 2025-09-23 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 file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX ( Original XXXX XXXXXXXX XXXX ) : Account number : XXXX, Inaccurate. 
XXXX XXXX ( Original XXXX XXXXXXXX XXXX ) : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding. 
XXXX : Account number : XXXX, Inaccurate. 
XXXX XXXX ( Original XXXX XXXXXXXX XXXX ) : Account number : XXXX, Inaccurate. 
XXXX XXXX ( Original XXXX XXXXXXXX XXXX ) : Account number : XXXX, Inaccurate. 
XXXX : Account number : XXXX, Inaccurate. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
On XX/XX/year> I signed and initiated a personal loan for {$9400.00} with an initiation fee of {$470.00} making the loan {$9800.00} with One Main Financial. I found a better deal for my loan elsewhere and called on XX/XX/year> to my One Main Financial office in XXXX, CO to attempt to invoke there XXXX Okay policy to cancel my loan and refund the initiation fee listed here : XXXX XXXX XXXXXXXX. The loan representative proceeded to tell me that they only accept cashier 's checks or certified funds to pay back the loan. I stated that my online bank does not offer cashiers checks in a timely manner however, I informed her there policy listed above mentions the ability to pay via debit card. She then placed me on hold and came back with an answer from the Branch Manager stating they only accept debit card payment up to {$2500.00} a day. There policy does not clearly state this, I have made a payment to the loan today as of XX/XX/year> to show the ability to refund the funds via there online portal. However, I would like my {$470.00} + remaining interest refunded to me due to there unclear cancellation policy and failure produce there XXXX a day policy for debit card Repayment in writing, this is deceptive to the client to say the least.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-23 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: HI

Complaint narrative:
I am writing to formally dispute significant inaccuracies on my credit report. These errors violate the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of reported information. 

These inaccuracies are causing me direct financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-23 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: PA

Complaint narrative:
XXXX XXXX is reporting XXXX collection accounts ( ending in XXXX, XXXX, and XXXX ) with inconsistent dates and balances. Status dates remain from XXXX but balances were updated in XXXX, which is re-aging. Original creditor details and supporting documentation are missing. This violates FCRA 607 ( b ) ( accuracy ), 623 ( a ) ( 1 ) ( A ) ( no knowingly false info ), and FDCPA 809 ( failure to validate ). These errors harm my credit by making the debts look more recent than they are.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I state that the inaccurate late payment remarks on my accounts are a violation of 15 USC 1666. I have consistently made timely payments, and any discrepancies in this reporting are unjust and unlawful.

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 2025-09-23 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: GA

Complaint narrative:
I am writing to file a formal dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX XXXX  XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry is inaccurate. 
XXXX : Account number : XXXX, Unverifiable. 
XXXX XXXX Account number : XXXX, Unverifiable. 
XXXX XXXX XXXX  XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XXXXXX/XX/XXXX : This inquiry is inaccurate. 
XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX  : Account number : XXXX, Unverifiable. 
XXXX XXXX Account number : XXXX, Unverifiable. 
XXXX  : Account number : XXXX, Unverifiable. 
XXXX | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX  | XX/XX/XXXX : This inquiry is inaccurate. 
XXXX XXXX XX/XX/XXXX : This inquiry is inaccurate. 
XXXX : Account number : XXXX, Unverifiable. 
XXXX : Account number : XXXX, Unverifiable. 
I believe that my consumer rights have been violated and that the financial institution involved has not properly addressed the matter despite my efforts to resolve it.

Company response to consumer: Closed with non-monetary relief