vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting a formal follow up complaint to dispute certain items listed on my credit report and request their immediate removal pursuant to the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ). This section of the FCRA clearly states that a consumer reporting agency may not furnish a consumer report to any person or entity that does not have a permissible purpose as defined by the Act. Upon reviewing my credit report, I have identified the following items that appear to have been accessed or listed without my authorization or without a permissible purpose under the law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$780.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$4300.00XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Apt XXXX Oklahoma XXXX, OK XXXX XXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXX BIG XXXX XXXX XXXX XXXX MI XXXX RE : Cease and Desist Alleged Debt Collection To Whom It May Concern, This letter serves as my formal Cease and Desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I demand that you immediately stop all communication with me regarding the alleged debt connected to my name and/or personal information. 
I dispute the validity of this alleged debt and require that you provide full debt validation before any further collection action. This includes : XXXX. The name and address of the original creditor. 
XXXX. A detailed statement of the amount claimed, including itemization of fees and interest. 
XXXX. Documentation proving I am legally obligated to pay this debt. 
You are hereby instructed to cease all phone calls, letters, emails, or other contact regarding this matter, except to provide the requested validation or to inform me that no further collection attempts will be made. 
If you continue to pursue this matter without proper validation, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Oklahoma Attorney Generals Office. I will also consider pursuing legal action for any violations of my rights under federal or state law. 
You have XXXX days from the date of receipt of this letter to comply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

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 2025-08-08 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: Open Dealer Exchange, LLC
State: GA

Complaint narrative:
I applied for vehicle financing through an auto dealership with the understanding that my application would be submitted to one lender. The dealership did not inform me that my information would be sent to multiple lenders. As a result, several hard inquiries now appear on my credit reports from companies I did not directly authorize. These inquiries were made without my explicit consent for each lender, which exceeds the permissible purpose allowed under the Fair Credit Reporting Act ( FCRA ) 604.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> is filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you progressive, capital one, and ava finance 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Cap One under account XXXX on XXXX XXXX, Cap One under account XXXX on XXXX XXXX, XXXX under account XXXX on XXXX XXXX, a collection under Progressive under account XXXX, XXXX accounts from XXXX XXXX. under account XXXX opened XXXX XXXX, and account XXXX  opened on XXXX XXXX, and XXXX XXXX XXXX  under account XXXX on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Ava Finance, Inc
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> is filing this CFPB complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX XXXX XXXX, and ava finance 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under account XXXX on XXXX XXXX, XXXX XXXX under account XXXX on XXXX XXXX, XXXX under account XXXX on XXXX XXXX, a collection under Progressive under account XXXX, XXXX accounts from Ava Fin. under account XXXX opened XXXX XXXX, and account DZOHBG opened on XXXX XXXX, and XXXX XXXX XXXX  under account XXXX on XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: BTH Management
State: NC

Complaint narrative:
I recently obtained and reviewed a copy of my persons consumer credit report and noticed multiple accounts full of inaccurate information that has adversely affected the integrity of my persons consumer credit report. It is the duty and responsibility of the credit reporting agencies to make sure that they take the necessary steps to ensure that every consumer report is investigated properly and provided with the best accuracy possible which reaches far beyond the extent of internal rules, policies and procedures per 15 U.S.C. 1681s-2. Failure to reinvestigate this matter shall result in liabilities under 15 U.S.C. Subsection 1681s-2 ( b ) for failure to conduct a reasonable investigation The FAIR CREDIT REPORTING ACT exists to prevent harm to consumers. It requires data furnishers to report only accurate and verifiable information, mandated to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable in the context of securitized or unrecognized debt. Furthermore, under 15 U.S.C. 1681i ( aX7 ), the consumer has the right to know how the information was verified, including what sources were used, who verified the claim, and what documentation was reviewed and received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - THE XXXX SHOWS I OWE THEM MONEY BUT IT HAS BEEN TURNED OUT FOR COLLECTION AND SHOULD NOT SHOW ON MY CREDIT REPORT. 

iT NEEDS TO BE REMOVED NOW AS IT WAS TURNED OUT TO COLLECTION.UNPAID BALANCE CHARGED Off

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - THE XXXX SHOWS I OWE THEM MONEY BUT IT HAS BEEN TURNED OUT FOR COLLECTION AND SHOULD NOT SHOW ON MY CREDIT REPORT. 

iT NEEDS TO BE REMOVED NOW AS IT WAS TURNED OUT TO COLLECTION.UNPAID BALANCE CHARGED Off

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : 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 INCORRECT ADDRESSES LISTED : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES LISTED : 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 explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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

Complaint narrative:
Account in Dispute : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account In Dispute : XXXX  Account Number : XXXX Reported Balance : {$0.00} Account In Dispute : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account in Dispute : XXXX XXXX Account Number : XXXX Reported Balance : {$0.00} Account In Dispute : XXXX XXXX  Account XXXX Reported Balance : {$3200.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies.

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 2025-08-08 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: FL

Complaint narrative:
I am filing this complaint to report a clear violation of the Fair Credit Reporting Act ( FCRA ) by Equifax, pursuant to 15 U.S.C. 1681c-2, 1681b, and 1681s-2 ( a ) ( 6 ).

I have been the victim of identity theft. I am enclosing my official Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC Report Number : XXXX, which constitutes legally sufficient proof under federal law.

Under 15 U.S.C. 1681c-2 ( b ), a credit reporting agency must block all disputed information identified in the Identity Theft Report within four ( 4 ) business days of receipt. The law does not require any further investigation prior to blocking.

Furthermore, pursuant to 15 U.S.C. 1681s-2 ( a ) ( 6 ), once the furnisher of the information is notified of the block, they are prohibited from continuing to report the disputed information unless they present original, signed, and verifiable documentary evidence that conclusively proves the account was authorized by me to be reported.

In accordance with the FCRA, it is not sufficient to simply conduct an internal verification or consult their own records ; the law requires authentic physical or digital evidence such as the original signed contract by the consumer that fully supports the accuracy and legitimacy of the information.

The following negative accounts continue to appear on my Equifax credit file despite my multiple disputes and the fact that other credit bureaus have already deleted them for failure to verify : XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized the reporting of these accounts. There is no signed contract or consent from me that justifies their inclusion in my credit report, which constitutes a violation of 15 U.S.C. 1681b ( permissible purposes ). 

The continued reporting of these accounts constitutes the unauthorized disclosure of my non-public personal information and a direct violation of my rights under the FCRA. 

I have contacted Equifax on multiple occasions and have provided all necessary documentation ; however, I have not been given a clear or definitive resolution. 

This ongoing violation is causing me serious harm, including preventing me from purchasing a new home for my children and limiting my access to essential financial tools. 

Additionally, I have formally requested copies of any contracts or documentation from the furnishers of these accounts. More than 60 days have passed without receiving any response, which further confirms there is no verifiable evidence to support these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please note that the reported late payment is inaccurate, as I have always paid on time. I request an immediate correction of this error.

Company response to consumer: Closed with non-monetary relief