vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( 4 ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXX XXXX - XXXX, XXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted XXXX  XXXX on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over 60 days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am deeply frustrated and debilitated by the sudden discovery of an unknown, unverified debt that does not belong to me. This has resulted in relentless harassment across multiple communication platforms, including threats of legal action. As a law-abiding citizen, I find this insulting and a blatant violation of my consumer rights. The situation has severely impacted my mental health, causing sleepless nights and significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: VA

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-24 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: NY

Complaint narrative:
I have been trying to resolve this with the credit bureaus and i require a bit more time and attention from you to help me resolve this, please. XXXX  XXXX is stating that i owe them money when i have never had XXXX  XXXX and especially not the amount they state i allegedly owe. please help me rectify this please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/year>, I mailed Equifax a formal dispute regarding multiple inaccurate accounts on my credit report. Equifax did not send any investigation results within the 30-day period required under FCRA 611 ( a ) ( 1 ) ( A ). Because I received no response, I mailed a Method of Verification ( MOV ) request on XX/XX/year>, requesting a description of the procedure used to verify the disputed accounts, as allowed under FCRA 611 ( a ) ( 7 ). Equifax did not respond to my MOV request either. As of the date of this complaint, I have never received any investigation results, reinvestigation summary, or MOV documentation from Equifax. This means Equifax failed to investigate my dispute, ignored my MOV request, and is continuing to report disputed accounts that were never verified. The disputed and unverified accounts include : XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX Bank XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX Bank XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ). I am requesting that Equifax delete all accounts that were not verified within the required FCRA timeframe and update my credit file accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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 submitting this complaint because the information being reported about me is inaccurate and not in compliance with the FCRA. I am requesting a full investigation, verification, and correction or deletion of all disputed items listed below for each credit bureau. 

Charged Off Accounts in Dispute XXXX XXXX Account Number : XXXX Account Date : XX/XX/year> Balance : {$980.00} I am challenging the accuracy and completeness of this account. Please conduct a full reinvestigation and provide proper verification. Any unverified or incomplete information must be deleted under FCRA 611 and 623.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am unconnected to these accounts ; they should be taken off within 15 days as USC 1681g requires.

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 2025-11-24 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: TX

Complaint narrative:
I am filing a complaint because XXXXXXXX XXXX XXXX XXXX XXXX, reporting on behalf of XXXX XXXX, is furnishing inaccurate, unverifiable, and misleading information on my credit reports. The account appears as a closed collection but is still showing a 100 % balance owed, which is materially inconsistent and violates the FCRA requirement for maximum possible accuracy. 

Additionally, the furnisher recently updated the reporting date to XX/XX/XXXX, even though the account was closed in XX/XX/XXXX. This appears to be illegal re-aging of a derogatory account, a direct violation of FCRA 623 ( a ) ( 5 ), which prohibits changing the date of first delinquency or manipulating dates to extend negative reporting. 

The account also contains conflicting or incomplete data including : Closed status while simultaneously reported as an active collection Balance not reduced or updated, showing the same as highest balance Dispute remarks but no proof of reinvestigation No documentation has ever been provided to verify the debt under FDCPA 809 These inconsistencies violate FCRA 607 ( b ) ( requirement for accuracy ), FCRA 611 ( reinvestigation and verification requirements ), and FCRA 602 ( A ) ( consumer right to fair and accurate reporting ). 

I requested verification and correction, but the information continues reporting inaccurately. The furnisher and/or credit bureaus have failed to provide : The original signed contract Proof of legal assignment or ownership Itemized accounting The correct Date of First Delinquency Proof of investigation Because the account can not be verified accurately or legally, it must be deleted from my credit reports. 

I am requesting the CFPB order the furnisher and credit bureaus to : 1. Provide full documentation proving the accuracy and legal validity of the account ; OR 2. Permanently delete the account from all credit reports due to unverifiable, inaccurate, 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 2025-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
I am writing to file a claim regarding a payment dispute stemming from an auto accident that occurred on XX/XX/year>. 

My insurance provider, XXXX XXXX, issued an initial repair payment check ( number XXXX ) for {$3700.00}, which required endorsement from both myself and XXXX XXXX XXXX 

On XX/XX/year>, I mailed the check to XXXX XXXX XXXX for their endorsement. I was later informed by XXXX that the check was erroneously cashed on their end without my required endorsement. Furthermore, they stated the funds could not be applied to my finance account or refunded to me directly. 

On XX/XX/year>XXXX XXXX XXXX XXXX informed me they submitted a request to the Federal Reserve to issue a refund back to my insurance company, XXXX XXXX. XXXX XXXX has confirmed that they have not yet received this refund. 

I was instructed by the Federal Reserve to file a claim with your department to investigate whether XXXX XXXX has received the refund and to help expedite the payment for my vehicle 's repairs. 

Please find the attached copy of the cashed check, provided by XXXX XXXX, which confirms the deposit by XXXX XXXX XXXX without my endorsement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: MS

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-24 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: CA

Complaint narrative:
Hi I recently sent a dispute to Experian for them to re-insert my XXXX XXXX XXXX account loan that is a paid off auto loan with no missed or late payments, the account being removed from my report hurts my credit report, credit score and credit age.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report still shows inaccurate accounts and none of them were taken off. Please look through the documents I provided very carefully because I need this fixed so I can finally have peace of mind.

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 2025-11-24 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:
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 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 2025-11-24 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: NY

Complaint narrative:
I am disputing the accounts below due to incorrect reporting and unverifiable information. Please conduct a full reinvestigation and delete any items that can not be fully verified. 

CHARGED OFF TRANSUNION XXXX Acct : XXXX, Date : XX/XX/year>, Balance : {$1100.00} XXXX  Acct : XXXX, Date : XX/XX/year>, Balance : {$1500.00} INQUIRIES TRANSUNION No inquiries listed. 

POSITIVE TRANSUNION No positive accounts in dispute. 

LATE PAYMENTS TRANSUNION These late payments are inaccurate and must be verified or removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-24 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: SC

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
CHARGED-OFF ACCOUNTS SECCREDIT Acct # XXXX XX/XX/XXXX {$1100.00} XXXX XXXX Acct XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XXXX  Acct # XXXX XX/XX/XXXX {$210.00} XXXXXXXX XXXX  Acct # XXXX XX/XX/XXXX {$19000.00} These accounts show inconsistent dates and balances when compared with the other bureaus. I am disputing their accuracy and requesting verification. If the furnishers can not provide complete, accurate, and up-to-date documentation, these tradelines should be removed. 

INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Some inquiries appear without my authorization or do not reflect any application I knowingly made. I dispute their accuracy and request removal of any unverified inquiries. 

LATE PAYMENTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX These payment histories do not match my records. I request proper verification and correction of any inaccurate late payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: DC

Complaint narrative:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely,  \nXXXX 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 non-monetary relief