vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NV

Complaint narrative:
I recently checked my latest credit report and noticed multiple inaccurate accounts that do not belong to me reporting fraudulent under my name.

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 2025-09-23 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: TX

Complaint narrative:
I have found collection accounts on my credit report that I believe contain incorrect information. Under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a review of these accounts, and if they can not be verified as accurate, they should 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 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that 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 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. 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 2025-09-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-09-23 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:
This complaint is being filed because the consumer reporting agency has not fulfilled its obligations under FCRA 1681i ( a ) ( 7 ). I requested a detailed explanation of their reinvestigation process, including the furnisher 's name, the person contacted, and the documentation reviewed. The agency has failed to provide this information within the legally mandated period, denying me the transparency and verification rights granted 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 2025-09-23 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:
These are not my accounts and appear to be the result of fraudulent activity. Please investigate and remove them accordingly. Ive provided supporting documents.

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 2025-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Original creditor XXXX, Current owner ( XXXX XXXX ) MIDLAND Credit Management I called to dispute/resolve Two different accounts balances XXXX charged-off/sold to MIDLAND, I spoke with a customer representative on XX/XX/year> explained how I wanted to resolved this situation also asking if we could on to some mutual agreement for both accounts, explaining how I'm XXXX, head of household Only employed parttime ( XXXX ) hours a week no overtime No health insurance as a NYS Resident Funeral Director. Working to keep my family/head above water with living expenses, student loans and unfortunately, my health expressing how I am have two surgeries back to back One month apart so I would not be able to work until my recovery is complete. MIDLAND worked with me coming down on amount taking a lump sum of {$490.00} satisfying the account, Paid in full on XX/XX/year>. Then I wanted to come to a lump sum resolution for the second account balance of {$5500.00} offering the amount of {$2200.00} praying to resolve this account which was old/sold off and charged off as well. Sadly, the customer representative told me NO explained it was a very low request and would not be excepted I truly think it was a respectable amount also showing how serious I am about this issue The representative then told me this account was going to their Collection 's Department very soon telling me a payment plan agreement in the amount of {$150.00} a month from XXXX then from XXXX the amount will go up to {$220.00} would STOP my account from going to collections Department stopping/improving my future credit reports and credit scores and any derogatory remarks. I agreed to the payment plan not wanting XXXX to send me to collections believing whole heartly they would keep their word, I am making my payments on time only having a Parttime job a family and health issues while they give me grief on doing what they told me. I am truly disappointed with XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: CA

Complaint narrative:
On my credit reports, multiple items are being inaccurately reported as Negative, even though they are not accounts, tradelines, or delinquent obligations. The following are the specific items in dispute : Inquiries : XXXXXXXX XXXX XXXX  XX/XX/year> XXXX PID : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/year> ( PID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ( PID : XXXX XXXX XXXX XXXX  ) Incorrect Addresses : XXXX XXXX Ct Incorrect ( PID : XXXX XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX  Incorrect ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Incorrect Names : XXXX XXXX XXXX Incorrect ( PID : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect ( PID XXXX XXXX XXXX XXXX These entries are being shown as Negative, which is unlawful under both Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). An inquiry, name variation, or prior address can not be coded as derogatory. By misclassifying them as negative, the bureaus are violating FCRA 1681e ( b ) ( duty to ensure maximum possible accuracy ).

I disputed these items, but the bureaus failed to provide a valid Method of Verification under FCRA 1681i. No bureau or furnisher has produced original contracts, permissible purpose records under FCRA 1681b, or other verifiable documentation to substantiate these entries. Instead, the inaccurate reporting remains, continuing to harm my creditworthiness and mislead potential creditors. 

Furthermore, I am a documented victim of the XXXX XXXX XXXX breach, which makes it even more critical that my file contain only accurate and verified information. By tying me to incorrect names, addresses, and unverifiable inquiries, the bureaus are compounding the risk of identity confusion, fraud, and reputational damage. 

This repeated failure to correct errors after disputes constitutes willful noncompliance under FCRA 1681n, exposing the bureaus and furnishers to liability for statutory, actual, and punitive damages. 

I am requesting that the CFPB compel Equifax, Experian, and TransUnion to permanently DELETE all of the above items with their PIDs from my credit files, as they are inaccurate, unverifiable, and unlawfully reported as negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an accountS that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX, XXXX, XXXX, XXXX, XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 2025-09-23 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an accountS that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX, XXXX, XXXX, XXXX, XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 non-monetary relief
Consumer complaint received 2025-09-23 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 reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX 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 XXXX federal trade commission that all of the aforementioned, consumer

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 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NTFN INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX. 
This company has routinly continued to contact me multiple times after I have requested them to remove my number. I get 2 to 3 calls per day from them until I answer the phone and ask them to remove my number and they hang up on me. When I start asking questions like - " your recording says my application is only missing a couple of items '', I have not applied with your company - how can I have an application? 
I have not ever applied for a loan with this company - I assume they purchased a lead somewhere and I was on it. 
When I ask them that question, they automatically hang up the phone. I am exhausted with all of the calls I get from this company on a daily basis and I want them to stop harassing me. 
Between the calls and the dropped voicemails- they are wearing me out.

Company response to consumer: Untimely response