vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: TX

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 2025-11-26 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit reports. These accounts are in dispute due to inaccuracies in the reported information, and I request that these errors be corrected as soon as possible. Below are the details for each bureau. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Account Date : XXXX Balance : {$5400.00} XXXX XXXX XXXX  Account Number : XXXX Account Date : XXXX Balance : {$370.00} XXXX XXXXT XXXX Account Number : XXXX Account Date : XXXX Balance : {$4100.00} XXXX XXXX XXXX  Account Number : XXXX Account Date : XXXX Balance : {$5100.00} XXXX XXXX XXXX Account Number : XXXX Account Date : XXXX Balance : {$1000.00} XXXX AUTO FINANCE Account Number : XXXX Account Date : XXXX Balance : {$1600.00} Inquiries : XXXX Account Date : XXXX CPS/MAIL Account Date : XXXX XXXX  Account Date : XXXX XXXX Account Date : XXXX AUTONATION Account Date : XXXX CAP XXXX XXXX Account Date : XXXX XXXX  Account Date : XXXX STELLANTIS Account Date : XXXX AXXXX Account Date : XXXX CAP XXXX XXXX Account Date : XXXX XXXX Account Date : XXXX XXXX  Account Date : XXXX XXXX Account Date : XXXX XXXX  XXXX XXXX Account Date : XXXX CPS/MAIL Account Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to submit a formal dispute regarding certain items on my credit report, as reported by the XXXX major credit bureaus : Experian ( XXXX ), Below is a breakdown of the accounts that are currently in dispute. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: GA

Complaint narrative:
I am filing a complaint against IQ Data XXXX regarding an apartment debt they claim I owe. I have requested written validation of debt, including an itemized statement or written settlement offer. IQ Data refused to provide any written documentation. 
The balances they gave me also do not match what is reported to the credit bureaus. My XXXX  report shows {$7900.00}. My XXXX  report shows {$7900.00}. The original balance was {$6800.00}. IQ Data told me the balance was {$8000.00} but refused to explain or itemized the additional fees. The account has already been deleted from my XXXX  report due to their inability to verify it. 
During the call, one of their representatives spoke to me in a rude and aggressive manner. He pressured me about withdrawing money from my XXXX, commented on my bank account balance, and continued to speak to me disrespectfully. The felt harassing and intimidating. 
IQ Data 's refusal to send written validation, the inconsistent balances, and the abusive communication are violation of the Fair Debt Collection Practiced Act ( FDCPA ). I am requesting that the CFPB investigate their conduct and require the removal or correction of any unverified or inaccurate information on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 1

5 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 1691i ( 5 ) T
reatment of inaccurate or unverifiable information ( A ) In general if, 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: AR

Complaint narrative:
I am writing to dispute the following items listed on my credit report. Please review the accounts below for the appropriate corrections. Each bureau is addressed separately as follows : Inquiries XXXX XXXX  Date of XXXX : XX/XX/year>

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 2025-11-26 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: VA

Complaint narrative:
I am writing to dispute several accounts reported on my credit file that I believe to be inaccurate. Below are the details of the accounts in dispute, separated by each bureau. 

XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX, Account Number XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX, Date of Inquiry XXXX XXXXXX/XX/XXXX XXXX, Date of Inquiry XXXX XXXX XXXX, Date of Inquiry 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 2025-11-26 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: MS

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my credit report and to request the removal of these items from my record. Please find below the details of the accounts in dispute, separated by bureau. 

Charged Off Accounts : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : Account Name : XXXX XXXX BUI Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : Account Name : CXXXX XXXXXXXX Account Number : 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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NY

Complaint narrative:
My credit report shows several inquiries that I do not recognize, and I never gave permission for these companies to access my information. I did not apply to them nor authorize any credit checks. Having my consumer rights violated in this way is extremely upsetting, especially when my life is already stressful as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
I am filing a complaint regarding an inaccurately reported late payment on my account with this company. The late payment being reported is incorrect, incomplete, and can not be properly verified by the furnisher. 

I requested verification of the late payment, including documentation showing the original due date, billing statements, notice of delinquency, and timestamped payment records. The company has not provided any of this information. Instead, they continue reporting the late payment without offering proof that it is accurate. 

Under the Fair Credit Reporting Act, furnishers are required to report only accurate information and must conduct a reasonable investigation when a dispute is filed. I do not believe a reasonable investigation has taken place, as the company has failed to provide documentation supporting the late payment. They are reporting information that is unverified and inconsistent with my own records. 

I am requesting that the CFPB assist in requiring the company to provide full verification of the late payment or remove the inaccurate information from my credit reports if they can not substantiate 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 explanation
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
I am filing a complaint regarding an inaccurately reported late payment on my account with this company. The late payment being reported is incorrect, incomplete, and can not be properly verified by the furnisher. 

I requested verification of the late payment, including documentation showing the original due date, billing statements, notice of delinquency, and timestamped payment records. The company has not provided any of this information. Instead, they continue reporting the late payment without offering proof that it is accurate. 

Under the Fair Credit Reporting Act, furnishers are required to report only accurate information and must conduct a reasonable investigation when a dispute is filed. I do not believe a reasonable investigation has taken place, as the company has failed to provide documentation supporting the late payment. They are reporting information that is unverified and inconsistent with my own records. 

I am requesting that the CFPB assist in requiring the company to provide full verification of the late payment or remove the inaccurate information from my credit reports if they can not substantiate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: AZ

Complaint narrative:
defaulted on agreed amount in XX/XX/year>. Asked for help but no offer was given. I then forgot about the account and 5 months later I am being served with a garnishment. I never received mail about the default to include a certified letter about being sued. The letter that they sent was in regular mail with their court filings. When I try to call and settle the account the only offer they are willing to do is 10 % of the initial owed of XXXX which the original balance was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

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 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: KS

Complaint narrative:
I changed my bank account but kept the same bank. I tired to contact them but didn't get through. I have missed XXXX payments now. My employer called me this morning XX/XX/year> and told me that they wanted them to start garnishing my wages in 10 days for the amount of {$250.00}. XXXX does not have a court order to garnish my wages or have the right to contact my employer. I'm not saying I didn't take the loan out but I'm saying that they should not have gotten my employer involved and that my employer in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-11-26 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:
I am filing this complaint because [ Experian / Equifax XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : XXXX XXXX XXXX XXXX * * * * XX/XX/XXXX XXXX XXXX XXXX * * * * XX/XX/XXXXXXXX XXXX  XXXX * * * * XX/XX/XXXX XXXX XXXX * * * * XX/XX/XXXX INQ : XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
I am filing a complaint regarding an inaccurately reported late payment on my account with this company. The late payment being reported is incorrect, incomplete, and can not be properly verified by the furnisher. 

I requested verification of the late payment, including documentation showing the original due date, billing statements, notice of delinquency, and timestamped payment records. The company has not provided any of this information. Instead, they continue reporting the late payment without offering proof that it is accurate. 

Under the Fair Credit Reporting Act, furnishers are required to report only accurate information and must conduct a reasonable investigation when a dispute is filed. I do not believe a reasonable investigation has taken place, as the company has failed to provide documentation supporting the late payment. They are reporting information that is unverified and inconsistent with my own records. 

I am requesting that the CFPB assist in requiring the company to provide full verification of the late payment or remove the inaccurate information from my credit reports if they can not substantiate 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 explanation