vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-11-25 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: TX

Complaint narrative:
On XX/XX/2025, I received an email notification about a new hard inquiry on my Equifax credit report from XXXX. The company name was : XXXX XXXX XXXX XXXX On XX/XX/2025, I filed an online dispute with Equifax. That same day, they reported back that : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE XXXX YEARS FROM THE REPORTED DATE OF THE INQUIRY I also received letters from XXXX XXXX about an overdrawn account that I never opened. After a visit to a local XXXX XXXX branch, I received a letter on XX/XX/2025, that I had no financial responsibility for the account, that I didn't open the account, and had no knowledge of the account. 

I contacted XXXX several times via phone, and they opened a case Id Theft Claim XXXX. XXXX of their subsidiaries, XXXX XXXX, emailed on XX/XX/2025, the results of their investigation, and stated that the inquiry should be deleted from my credit report in 90 days. 

I checked my Equifax often, and it was never removed. On XX/XX/2025, I submitted another dispute online and submitted a copy of the email from XXXX XXXX. I received the same canned response later that day as shown above. 

On XX/XX/2025 I filed another dispute online with a letter requesting that they investigate, and hours later received the same canned response. 

Today, I am sending them a certified letter requesting that they investigate and provide results within XXXX. I am not hopeful of any positive response to that letter, since it is exactly the same as the dispute sent on XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
CAINE amp WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: LA

Complaint narrative:
CREDIT CONTROL LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CONTROL LLC 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 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 2025-11-25 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: CA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have had a problem with Experian. My Experian account was hijacked and I am unable to access it. Experian has not verified my identity nor provided any assistance to restore my account. Because my credit file may be compromised, I am requesting immediate intervention. 
The identity thieves have full control and theyre using a fake Experian.com email address. Everything they try doing alerts the thieves. XXXXXXXX XXXX both deleted this fake account and had me create a new one confirming my identity ( which was amazing ). Ive submitted my license and insurance docs to prove myself and still nothing. Something is wrong! 
Not to mention I was paying Experian for extra protection but the hijackers still had ME DELETED. I need help.

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 2025-11-25 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my Equifax report under 15 U.S.C. 1681c-2 and to request that this information be blocked. I am including my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as required. Under federal law, Equifax must block this information within XXXX business days. 

The following information on my Equifax credit report is the result of identity theft : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax has not provided a solution after multiple calls. These items were already deleted by other bureaus as unverified, yet Equifax continues to report them. 

I requested verification from the furnishers more than 60 days ago and have received no response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my Equifax report under 15 U.S.C. 1681c-2 and to request that this information be blocked. I am including my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as required. Under federal law, Equifax must block this information within XXXX business days. 

The following information on my Equifax credit report is the result of identity theft : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax has not provided a solution after multiple calls. These items were already deleted by other bureaus as unverified, yet Equifax continues to report them. 

I requested verification from the furnishers more than 60 days ago and have received no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Albert Corporation
State: KS

Complaint narrative:
I want to close my Albert account but it won't give me an option to and any time someone reaches out to support, it's an AI chat response. no human is looking or cares and they're just going to keep taking money indefinitely.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
I discovered multiple accounts on my credit reports that I did not open, authorize, or have any involvement with. These accounts were created and reported without my knowledge or permission and are the result of identity theft. 

The first fraudulent account is reported by XXXX XXXX with an open balance of {$1800.00}, showing an opened date of XX/XX/XXXX. I have never applied for credit or services from this company, and I did not authorize anyone else to open this account on my behalf. 

The second fraudulent account is reported by XXXX XXXX XXXX with an open balance of {$2000.00}, showing an opened date of XX/XX/XXXX. I did not open this account, and I had no knowledge of its existence until reviewing my credit information. 

A third unauthorized account is reported by XXXX XXXX XXXX XXXX with an open balance of {$1300.00}. Again, I did not open this account, authorize it, or receive any services or credit associated with this company. 

The fourth fraudulent account is reported by XXXX XXXX XXXX with an open balance of {$340.00}, showing an opened date of XX/XX/XXXX. I did not create this account, and I have never had any relationship with this company or the original creditor referenced. 

I did not apply for or use any of these accounts, nor did I make any payments or agreements related to them. These items appeared on my credit reports without my knowledge, and they do not reflect any legitimate activity on my part. 

I am reporting these accounts as fraudulent and the result of identity theft. I am requesting that the companies involved and all credit reporting agencies block, remove, or correct this information so it no longer appears as my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: LA

Complaint narrative:
I discovered multiple accounts on my credit reports that I did not open, authorize, or have any involvement with. These accounts were created and reported without my knowledge or permission and are the result of identity theft. 

The first fraudulent account is reported by XXXX XXXX with an open balance of {$1800.00}, showing an opened date of XX/XX/XXXX. I have never applied for credit or services from this company, and I did not authorize anyone else to open this account on my behalf. 

The second fraudulent account is reported by XXXX XXXX XXXX with an open balance of {$2000.00}, showing an opened date of XX/XX/XXXX. I did not open this account, and I had no knowledge of its existence until reviewing my credit information. 

A third unauthorized account is reported by XXXX XXXX XXXX XXXX with an open balance of {$1300.00}. Again, I did not open this account, authorize it, or receive any services or credit associated with this company. 

The fourth fraudulent account is reported by XXXX XXXX XXXX with an open balance of {$340.00}, showing an opened date of XX/XX/XXXX. I did not create this account, and I have never had any relationship with this company or the original creditor referenced. 

I did not apply for or use any of these accounts, nor did I make any payments or agreements related to them. These items appeared on my credit reports without my knowledge, and they do not reflect any legitimate activity on my part. 

I am reporting these accounts as fraudulent and the result of identity theft. I am requesting that the companies involved and all credit reporting agencies block, remove, or correct this information so it no longer appears as my responsibility.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Greetings, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-25 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: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-25 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: MI

Complaint narrative:
I am writing to dispute inaccurate information to a vehicle repossession on my credit report, I am requesting an investigation into the following accounts : credit acceptance and decker auto loan the details of this repossession and charge off are inaccurate. Please verify all aspects of this account with original creditor the information is inaccurate and unfair harms my creditworthiness please conduct a reasonable investigation and correct or delete these items as required by law. Thank you for your time and attention to this matter

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 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I paid off a loan for synchrony bank. After the payoff they charged interest of {$32.00}. They sent me a letter to cure default and I paid the {$32.00}. This has negatively affected my credit score.

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 2025-11-25 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: TN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief