vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XXXX was the first sign of things being mismanaged on my XXXX credit bureaus accounts. Also, they paid off XXXX credit and intercepted a payment to my mortgage where the company I belong to said they did not get the payment. That was in XXXX. 

I was getting calls with foreign accents about collecting information through my cell phone. They, possibly a group, but they have access to my cell phone and all the accounts in it. 

When I dial to pay bill on my cell phone, or find out information on the balance, I " them '' on the phone instead of the company. There are a series of collected incidents all evolving around my credit report, as if their all connected. 

I have contacted the FTC, the banks, etc., but no one is helping me and I feel alone in this battle.

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XXXX was the first sign of things being mismanaged on my XXXX credit bureaus accounts. Also, they paid off XXXX credit and intercepted a payment to my mortgage where the company I belong to said they did not get the payment. That was in XXXX. 

I was getting calls with foreign accents about collecting information through my cell phone. They, possibly a group, but they have access to my cell phone and all the accounts in it. 

When I dial to pay bill on my cell phone, or find out information on the balance, I " them '' on the phone instead of the company. There are a series of collected incidents all evolving around my credit report, as if their all connected. 

I have contacted the FTC, the banks, etc., but no one is helping me and I feel alone in this battle.

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 2025-09-27 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: NC

Complaint narrative:
XXXXXXXX XXXXXX/XX/year> i feel that the company is violating my rights they have not sent me provided validation under 12cfr 1006.34 ( b ) ( 5 ) yet they have put it on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: MA

Complaint narrative:
Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments ; In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account has violated my rights, Hard Inquiries : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payments and Charged Off : XXXX XXXX XXXX Account : XXXX - Charge Off XXXX  XXXX - Account : XXXX XXXX Account closed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX - Account : XXXX - XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account : XXXX - XXXX 15 U.S.C 1681 section 602A . States I have the right to privacy 15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Thank you for your consideration, and I hope youll approve my request.

Best,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: MA

Complaint narrative:
Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments ; In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account has violated my rights, Hard Inquiries : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payments and Charged Off : XXXX XXXX XXXX Account : XXXX - Charge Off XXXX  XXXX - Account : XXXX XXXX Account closed - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX - Account : XXXX - XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account : XXXX - XXXX 15 U.S.C 1681 section 602A . States I have the right to privacy 15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : Thank you for your consideration, and I hope youll approve my request.

Best,

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 2025-09-28 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: NJ

Complaint narrative:
I am submitting this formal request under the Fair Credit Reporting Act, Section 605B, regarding multiple fraudulent accounts and hard inquiries listed on my credit file. 

The following fraudulent accounts appear on my credit report : XXXX Account XXXX. XXXX Date Opened XXXX, XXXX  XXXX Account No. XXXX Date Opened XXXX, XXXX XXXX Account No. XXXX Date Opened XXXX. 

The following fraudulent hard inquiries also appear on my credit report : 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 and inquiries were created using my personal information without my knowledge or consent. I am a victim of identity theft and had no participation in the establishment or use of these accounts or inquiries. This information does not belong to me and should not be associated with my credit profile. 

Pursuant to FCRA 605B, I am requesting that these items be blocked from my credit report immediately and permanently removed from all future disclosures. Enclosed you will find the required identity theft documentation, including : A copy of my government-issued ID A bank statement as proof of address A copy of my SSN card A completed and signed FTC Identity Theft Report Please process this request without delay. Under federal law, the items must be blocked from my file within 4 business days of receipt of this notice and supporting documentation. 

If you require any additional information to fulfill this legal obligation, please contact me at the mailing address provided.

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 2025-09-28 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: IN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-09-28 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: IN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-09-27 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: LA

Complaint narrative:
This complaint introduces new evidence of Equifaxs continued violation of FCRA 605B following my FTC Identity Theft Report ( # XXXX, filed XX/XX/year>XXXX  ). 



Despite receiving my complete package ( government ID, proof of address, sworn affidavit ), Equifax : Sent me XXXX stall letters beginning XX/XX/XXXX, falsely claiming missing ID or unable to process when the package was complete. 

Failed to meet the 605B ( c ) ( 2 ) deadline to block and delete fraudulent tradelines within 4 business days ( deadline : XX/XX/year>XXXX  ). 

Used suppression/masking instead of lawful deletion, leaving shadow records active. 

Allowed contradictory balances to persist across CRAs ( {$570.00} vs. {$440.00} ), violating 607 ( b ) maximum possible accuracy.

Failed to transmit deletion instructions to specialty CRAs ( XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), creating downstream reinsertion risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 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: GA

Complaint narrative:
On XX/XX/year>, I discovered unauthorized activity on my credit consumer reports account. I contacted the companies to dispute the items, but the issue has not been resolved. I did not authorize thesee transaction and should not be held responsible.

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 2025-09-28 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: PA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate credit reporting entries and unauthorized credit inquiries appearing on my credit report. These items are causing me significant harm and are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX. 

XXXX. Wrong Address Reporting The following addresses are being wrongly associated with my credit file. I have never lived at, used, or been affiliated with these locations : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, PA XXXX Reporting these inaccurate addresses creates confusion, raises red flags in my credit history, and constitutes a violation of FCRA obligations to ensure maximum accuracy of consumer information. 

XXXX. Unauthorized/Improper Credit Inquiries My credit file also shows the following inquiries that I did not authorize : XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX I never applied for credit or authorized these companies to access my credit report. Under FCRA XXXX, a permissible purpose must exist before a credit inquiry is made. These inquiries lack such purpose and are therefore improper and damaging. 

Requested Resolution I respectfully demand the following actions : Immediate deletion of the above incorrect addresses from my credit file. 

Immediate removal of the above unauthorized credit inquiries. 

Written confirmation from the credit bureaus and furnishers that these corrections have been made. 

Assurance that future compliance with FCRA accuracy standards will be enforced. 

These errors are not only misleading but also harm my creditworthiness and financial opportunities. I expect a full investigation, correction, and written confirmation of resolution. If not corrected promptly, I will consider pursuing further legal remedies under the FCRA.

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 2025-09-28 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: VA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank closed my credit card that has been in good standing all year, no missed payments and the card was not maxed out. They first decreased my credit limit from {$12000.00} to {$6000.00} due to a maxed out business card I have with them. Which, is absolutely ridiculous as business cards do not and should affect my personal credit. The business card also had no missed payments. Then today, XX/XX/2025, Chase closed my same personal card with no warning or prior indication. When I inquired why the card was closed, I received some silly response of the balance on your card was too high. My card was at 50 % utilization and payments were on time. I am really lost as to why Chase would close a card with good standing, no prior collections. This is now the second card Chase has closed under my name in good standing. At this point, this is misuse of power by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
RE : Balance {$250.00} CBE Group Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Debt Collection Practices Act, this collection has NOT provided the PURCHASE AGREEMENT for the debt they are trying to collect on. 
1. They are using an intimidation tactic to make me pay a debt that has NOT been validated with my signature that proves that the debt is mine. An invoice for a debt doesnt mean the debt is mine.

This is a federal complaint that they are blatantly violating the law. There should be NO entries of the above account on any of my credit reports, XXXX XXXX XXXX XXXX XXXX XXXX 
I am consulting with a consumer law attorney to explore my options regarding defamation of character and improper credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-27 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, unverified, and misleading items currently being reported on my credit files. Despite my prior disputes, the credit reporting agencies and furnishers have failed to conduct proper investigations as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These violations are materially damaging my creditworthiness.

Below are the specific inaccuracies : Wrong Personal Information Wrong Addresses Listed XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX These addresses do not belong to me and should never have been associated with my file. 

Accounts with Reported Late Payments ( Unverified / Inaccurate ) XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX ) Balance : {$300000.00} XXXX  ( Acct : XXXXXXXX XXXX XXXX  ) Balance : {$29.00} XXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX ) Balance : {$240.00} XXXXXXXX XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX  ) Balance : {$0.00} XXXX XXXX XXXXXXXX ( Acct : XXXXXXXX XXXX XXXX ) Balance : {$0.00} These late payments are not accurate, not properly verified, and continue to be reported in violation of FCRA 1681i and 1681s-2 ( b ). 

Charge Off ( Unverified and Harmful Reporting ) XXXX  XXXX ( Acct : XXXXXXXX XXXX XXXX ) Balance : {$7200.00} This charge-off is inaccurate, has not been verified with proper documentation, and is reported in a misleading manner that severely harms my credit profile. 

Unauthorized/Unverified Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were not authorized by me. Under FCRA 604, furnishers must have permissible purpose before pulling a consumer report. These inquiries must be removed. 

Legal Basis for Complaint Under FCRA 602 ( A ), consumers have the right to fair and accurate credit reporting.

Under FCRA 611, I am entitled to a full and proper reinvestigation of all disputed items.

Under FCRA 623, furnishers must not report information they know or reasonably should know is inaccurate.

Under FCRA 604, consumer reporting agencies must not allow inquiries without permissible purpose.

The failure of the credit bureaus and furnishers to correct these errors constitutes willful noncompliance with the FCRA. I am formally requesting that the CFPB compel the credit reporting agencies and furnishers to : Delete the inaccurate addresses. 

Remove or correct the inaccurate late payments. 

Delete the unverifiable charge-off. 

Remove the unauthorized hard inquiries. 

These errors have caused me financial and reputational harm, including denial of credit opportunities and increased interest rates. I am requesting immediate corrective action, as well as documentation proving compliance with the FCRA.

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 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
TRANSWORLD SYSTEMS INC placed a collection account on my credit report without ever contacting me or providing the required written notice of the alleged debt. I was not given an opportunity to review, validate, or dispute this debt before it was furnished to the credit reporting agencies. 

To date, I have not received proper validation that the debt is mine, nor have they demonstrated that they own the debt or have legal authority to collect it. Reporting a debt without first providing validation violates the Fair Debt Collection Practices Act ( FDCPA ). Furnishing unverified information to the credit bureaus may also violate the Fair Credit Reporting Act ( FCRA ). 

I dispute this debt in its entirety. Until proper validation is provided and legal authority is established, I request that this tradeline be deleted from my credit report and that all collection activity cease.

Company response to consumer: Closed with explanation