vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Under the FCRA, once a consumer provides a valid identity theft report, credit reporting agencies are required to block or remove fraudulent items within four ( 4 ) business days of receiving the request. Reinvestigation is not permitted in cases of identity theft as specified in 15 U.S.C. 1681c-2 ( b ).

Please remove unauthorized inquiries. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-03 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-12-03 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am submitting this complaint because Midland Credit Management is reporting a fraudulent collection account under MIDLAND CRED, account number XXXXXXXX XXXX XXXX XXXX XXXX  I did not open this account, authorize it, or have any relationship with Midland or XXXX XXXX regarding this alleged debt. 

I have filed an FTC Identity Theft Report, provided my government ID, and supplied a utility bill to verify my identity.

Despite this, Midland continues to report inaccurate, incomplete, and contradictory information across all three bureaus.

Fraud Indicators & Inaccuracies : Account shows contradictory dates, including a last payment recorded before the alleged account opening date. 

Collection is being reported as XXXX, which violates XXXX XXXX standards. 

XXXX  lists Midland as a XXXX XXXX, which is categorically false. 

Midland reports XXXX late payments, which a third-party collector is not legally permitted to report. 

No Date of First Delinquency, required under FCRA 623 ( a ) and XXXX XXXX. 

No contract, no signature, no verification that I authorized this account. 

FCRA Violations FCRA 602 ( a ) Accuracy requirement FCRA 607 ( b ) Failure to maintain reasonable accuracy procedures FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) Reporting information known to be inaccurate FCRA 623 ( b ) Failure to correct after a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I just want to follow up this complaint regarding multiple inaccuracies and inconsistencies reported by Experian, Equifax, and TransUnion related to both my addresses and credit accounts, which have caused significant confusion and harm to my credit profile. My addresses are inconsistently reported across the bureaus : Experian lists XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX, XXXX, GA XXXX ; Equifax reports XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX XXXX, XXXX, GA XXXX ; and TransUnion lists XXXX XXXX XXXX, XXXX, FL XXXX and XXXX XXXX, XXXX, FL XXXX. In addition, account information is conflicting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported by Experian with a balance of {$470.00} and last activity XX/XX/XXXX, while TransUnion reports last activity XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported by Experian with last activity XX/XX/XXXX, by Equifax as XX/XX/XXXX, and by TransUnion as XX/XX/XXXX, all with a balance of {$780.00}. These discrepancies demonstrate a failure by the furnishers and credit bureaus to maintain accurate, consistent, and verifiable data in violation of the FCRA, including 605B, 607 ( b ), 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), 623 ( b ), and 605 ( a ), and they create a misleading representation of my creditworthiness. Despite my prior efforts to dispute these errors with the bureaus, the information remains inaccurate, inconsistent, and potentially harmful for lending decisions, account approvals, and other financial matters.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All three credit reporting agencies failed to provide the documentation I requested in my dispute. I specifically asked each bureau to provide verification of the information being reported, including the original signed contract, the method of verification, and details on how each disputed item was investigated. None of the credit bureaus provided the original contracts, proof of verification, or any explanation of their investigation process. Because they did not validate the information as required under FCRA 611, any item that can not be verified must be deleted from my credit report. I am requesting the removal of all accounts and negative items that were not properly validated during their investigation.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All three credit reporting agencies failed to provide the documentation I requested in my dispute. I specifically asked each bureau to provide verification of the information being reported, including the original signed contract, the method of verification, and details on how each disputed item was investigated. None of the credit bureaus provided the original contracts, proof of verification, or any explanation of their investigation process. Because they did not validate the information as required under FCRA 611, any item that can not be verified must be deleted from my credit report. I am requesting the removal of all accounts and negative items that were not properly validated during their investigation.

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 2025-12-03 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: CA

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-12-03 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: TX

Complaint narrative:
Under the FCRA, once a consumer provides a valid identity theft report, credit reporting agencies are required to block or remove fraudulent items within four ( 4 ) business days of receiving the request. Reinvestigation is not permitted in cases of identity theft as specified in 15 U.S.C. 1681c-2 ( b ).

Please remove unauthorized inquiries. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX, and XXXX  have all violated my rights as a consumer under FCRA 15 USC 1681c-2. They knowingly reported inaccurate information. I need these items blocked and removed from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CO

Complaint narrative:
Hello, to this XXXX concern but I had file a dispute to remove inquiries not authorized on Equifax on XX/XX/year> and that same night within hours they replied and said verified and they won't be removing anything until 2 years after. I don't see that's possible I don't believe they made the proper investigation or any investigation at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX National Credit Systems , Inc . 
Attn : Compliance Department XXXX XXXX XXXXXXXX XXXX. 
XXXX, XXXX  XXXX RE : Demand for Immediate Deletion Reporting of Fraudulent Account Account Number : XXXX Balance Reported : {$7100.00} To Whom It May Concern : I am formally notifying you that the above-referenced account is being illegally reported to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
This alleged debt does not exist. 
Attached is a copy of the Consent Judgment entered on XX/XX/XXXX in the XXXX XXXX of XXXX XXXX XXXX, Missouri ( Case No. XXXX ). This judgment was for possession only. 
NO principal balance NO interest NO attorney fees NO costs NO monetary judgment was entered This means neither the original creditor ( XXXX XXXX XXXX ) nor your agency had any legal right to assign, place, sell, or report a monetary debt of {$7100.00}. 
Your reporting violates the following : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate FCRA 607 ( b ) failing to maintain reasonable procedures to ensure accuracy FCRA 611 failure to properly reinvestigate after my prior disputes FDCPA 807 ( 2 ) ( A ) misrepresenting the character and amount of a debt FDCPA 808 attempting to collect an amount not permitted by law You are hereby given 10 days from receipt of this notice to : 1. Delete the account from all credit bureaus ( XXXX XXXX XXXX  ) 2. Cease all reporting and collection activity 3. Provide written confirmation of deletion If this account is not removed within 10 days, I will proceed with : Filing formal complaints with the CFPB, FTC, and the Missouri Attorney General Initiating a civil action seeking statutory damages, court costs, and attorney fees I expect full deletion and written confirmation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
I am a victim of identity theft. The information identified in my dispute and currently appearing on my credit report does not relate to any transaction, account, or activity that I have ever authorized or conducted. These entries are the direct result of identity theft, and they must not be associated with my consumer file in any way. Under Section 605B of the Fair Credit Reporting Act, codified at 15 U.S.C. 1681c-2, I am exercising my full legal right to request the immediate blocking and permanent removal of all fraudulent information connected to the identity theft incident. Federal law requires that this information be blocked promptly upon receipt of my identity theft documentation, that it be removed from my file, and that all furnishers who supplied the fraudulent information be notified that it has been eliminated from my credit report. The law also requires that this blocking action be completed within four business days of receiving my materials. To support this statement, I am providing all documentation required by federal law, including a complete Identity Theft Report as defined by 15 U.S.C. 1681a ( q ), proof of my identity, and a copy of Section 605B outlining your obligations regarding the blocking of identity-theft-related information, and prevention of reinsertion. This serves as my formal declaration and lawful request. The fraudulent items identified in my dispute must be blocked, removed, and prevented from reappearing on my credit report, in full compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have repeatedly failed to conduct a lawful and reasonable investigation under the Fair Credit Reporting Act ( FCRA ) regarding an inaccurate collection account reported by XXXX XXXX XXXX ( NCS ) on behalf of XXXX XXXX. Despite multiple disputes, all three credit bureaus continue to report information that is factually incorrect, unverified, and unsupported by any documentation. 

The credit bureaus have permitted XXXX XXXX XXXX to furnish illegitimate debt information without requiring proof. This violates FCRA Sections 602 ( A ), 607 ( b ) ( maximum possible accuracy ), and 611 ( a ) ( duty to reinvestigate disputed information ). 
Details of Inaccuracy and Failure to Verify XXXX. XXXX XXXX Has Provided No Proof of the Charges Reported XXXX and XXXX XXXX have failed to produce any evidence substantiating the charges they claim I owe. Specifically : A. Utility Charges ( Gas, Water, Sewage ) My lease does not include utilities as part of rent and clearly states that tenants are responsible for utilities. 

XXXX XXXX has not produced a single utility invoice showing these services were used at the property I occupied. 

XXXX owns numerous properties, making proper allocation essentialyet they have produced no evidence tying any utility usage to my residence. 

Under Texas Property Code 92.301, landlords must provide utility bills and allocate charges fairly and transparently if passing them on to the tenant. XXXX nor XXXX XXXX XXXX did not comply. 

Because no invoices, statements, usage logs, or supporting records were provided, the utility charges are unverified, unsubstantiated, and legally invalid. 

Under the FCRA, a furnisher must conduct a reasonable investigation before reporting a debtespecially after disputes are filed. 

XXXX has : Ignored multiple direct disputes. 

Continued reporting charges they can not prove. 

Failed to supply documentation required under FCRA and Texas law. 

XXXX. Experian, Equifax, and TransUnion Failed Their Legal Duty to Investigate Despite repeated disputes with each bureau, they : Continued reporting the inaccurate collection account. 

Verified the account without receiving evidence from XXXX. 

Provided boilerplate verified responses without performing a reasonable reinvestigation, violating FCRA 611 ( a ).

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 2025-12-03 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-12-03 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

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