vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: IN

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX, a collection company that has placed a collection account on my credit report without my knowledge or consent. I have no contractual agreement, no account history, no business relationship, and no wet signature authorizing this company to collect any alleged debt on my behalf. 
This account is reporting inaccurately and in violation of my rights under the Fair Debt Collection Practices Act FDCPA 15 USC 1692g. They have failed to provide the legally required validation of the alleged debt including the original signed agreement and a complete itemized accounting. The company has also violated the Fair Credit Reporting Act FCRA 15 USC 1681s-2 by furnishing information they know or should know is inaccurate. 
XXXX XXXX  XXXX is continuing to report this unverified account to the credit bureaus, causing harm to my credit profile and reputation. This is willful noncompliance with federal law and I demand immediate removal of this account from all credit bureaus. 
I am requesting that the CFPB investigate these violations and require XXXX XXXX XXXX to produce full legal proof of the alleged debt including : The name and address of the original creditor A copy of the original signed contract with my wet signature An itemized accounting of the alleged amount owed Proof of their legal authority and licensing to collect in my state If they can not provide these documents, the account must be deleted in its entirety. Continued reporting of unverified information will result in my pursuing legal action against XXXX XXXX XXXX in state and federal court for statutory damages, costs, and attorney fees. 
I request that the CFPB take immediate action to ensure this inaccurate account is permanently removed from my credit file and that XXXX XXXX XXXX ceases all collection activity.

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 2025-08-14 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: MD

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 ] Account Number : [ XXXX ] Creditor Name : [ 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 explanation
Consumer complaint received 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-14 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:
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 XXXX 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 you have 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 XXXX  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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-14 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: OH

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: OH

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 non-monetary relief
Consumer complaint received 2025-08-14 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: MO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-08-14 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:
I am writing to formally dispute several inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report. 
I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed. 
As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

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 2025-08-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing an account that has been incorrectly listed on my credit report. I have never authorized, opened, or maintained this account, and it is fraudulent. Its reporting is inaccurate and causing damage to my creditworthiness.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
New evidence and dispute against Midland Credit Management Balance {$1100.00} Reported XX/XX/year> on XXXX. 

Nature of Dispute I am disputing the Midland Credit Management collection account reported on XX/XX/year> in the amount of {$1100.00}. This entry is inaccurate, unverifiable, and violates federal law and industry reporting standards. 

XXXX. No Assignment of Contract Midland Credit Management has provided no evidence of any legal assignment of contract from an original creditor granting them the right to collect or report this alleged debt. Without proof of assignment, they have no standing to furnish information to XXXX  under FCRA 1681e ( b ) and 1681b ( a ) ( 2 ). 

XXXX. No Proof of Debt Midland has failed to produce any signed credit agreement, billing statements, or account history proving my liability. Under FCRA 1681i ( a ) ( XXXX ) ( A ), unverifiable accounts must be deleted. 

XXXX. Midland Credit Management is Not My Creditor Midland is a XXXX-party debt collector, not the original creditor, and has reported no original creditor name in the tradeline. This omission violates : FCRA 1681e ( b ) maximum possible accuracy requirement FDCPA 809 ( a ) ( 15 U.S.C. 1692g ) requirement to identify the original creditor within 5 days of initial communication XXXX. XXXX XXXX Compliance Failures Per the Credit Reporting Resource Guide : The Name of Original Creditor field is mandatory for collection accounts this tradeline leaves it blank. 

The account type, portfolio type, and balance history fields are incomplete. 

The fact that the reported balance equals the highest balance with no payment history is inconsistent with proper XXXX XXXX data standards and is materially misleading. 

XXXX. False and Misleading Balance Reporting Reporting a balance without naming an original creditor is materially misleading, violating FCRA 623 ( a ) ( 1 ) ( A ) and 1681e ( b ).

Required Action Under FCRA 1681i ( a ) and 1681c-2, I demand that XXXX  : Delete this Midland Credit Management account from my credit file immediately, as it is unverifiable, lacks proof of assignment, and lists no original creditor. 

Provide copies of all documentation Midland supplied to verify this debt, including proof of assignment and the alleged original signed contract.

Confirm in writing that this account will not be reinserted unless full compliance with FCRA 1681i ( a ) ( 5 ) ( B ) is met, including written notice within five ( 5 ) business days of any reinsertion. 

Notice of Intent If XXXX  does not delete this account or can not provide proper verification, I will escalate to the CFPB, FTC, and state attorney general, and pursue all available remedies under FCRA 1681n and 1681o and FDCPA 813 ( 15 U.S.C. 1692k ) for willful and negligent noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I XXXX XXXX request in writing, a copy of contract, validation letter and method of verification to the negative account the credit bureaus are reporting to my credit file, they have refuse to send me any documentation supporting the letter they sent as information on account is verify and accurate.I have submit this request on several occasions by phone on a recorded line and by certified mail, which the credit bureau signed for. they still refuse to send any documentation, therefore im asking under all the fair credit laws that these items be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX. XXXX Student Loans ( 4 accounts ) Active deferment until XX/XX/year> ; never late. 
XXXX. XXXX XXXX XXXX XXXX Paid in full ; never late. 
XXXX. XXXX XXXX XXXX XXXX XXXX Paid in full ; never late. 
XXXX. XXXX XXXX XXXX XXXX Paid in full ; never late. 
XXXX. XXXX XXXX Paid in full ; never late. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, perfect payment history. 

These omissions harm my credit profile by failing to reflect my complete payment history, credit mix, and account age. I provided XXXX  with my government-issued ID, proof of address, and a recent XXXX  report showing the accounts in good standing. 

I demanded a full reinvestigation and update of my file within 30 days, or to provide the furnishers contact information if unverifiable. As of today, XXXX  has not corrected or updated my file, violating their obligations under the FCRA. I am requesting the CFPBs assistance to compel XXXX  to report all accurate and complete information as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
Recorded attempts to remove account have been submitted for approximately 2-3 years regarding the XXXX  Account # XXXX This account is fraudulently reporting that a loan in the amount of {$1000.00} was granted to me. I have repeatedly disputed this reporting and asked for this account to be removed as fraud from the reporting company. I have asked for the reporting agencies to further investigate his matter by requesting loan documentation and cashed check or other financial records to prove that the loan of {$1000.00} was dispersed. To date, Experian has not initiated an investigation and refuses to remove this account permanently from my personal credit 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 2025-08-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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