vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: GA

Complaint narrative:
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! 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: NC

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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax continues to illegally re add a non existent middle initial to my report when I had already sent in my PHOTOCOPIES OF MY VALID ID AND SOCIAL SECURITY NUMBER showing that THERE ARE NO OPEN ACCOUNTS OR LINES OF CREDIT, NO VALID DOCUMENTS utilizing any middle initial. Equifax instead did THE OPPOSITE and informed me TO INFORM MY CREDITORS OF AN INACCURATE NAME CHANGE THAT DOES NOT EXIST. No accounts that are current exist with any middle initial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: FL

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-14 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: IL

Complaint narrative:
On XX/XX/XXXX, I noticed a collection account from Midland Credit Management appearing on all three of my credit reports. The account is linked to a XXXX XXXX tradeline allegedly opened on XX/XX/XXXX. I have never had any affiliation with XXXX or XXXXXXXX XXXX and did not authorize this account. 

On XX/XX/XXXX, I submitted disputes to the credit bureaus and contacted Midland requesting validation of the debt. Instead of providing proof, I received a summons dated XX/XX/XXXX, issued by XXXX XXXX XXXX XXXX on behalf of Midland. The summons was served on XX/XX/XXXX ( Fathers Day ) and was signed for by my son, who did not alert me immediately, attempting to not upset me. 

I completed an FTC Identity Theft Report on XX/XX/XXXX, and submitted a fraud affidavit with supporting documents. Despite this, Midland and its legal representatives have continued collection and legal actions without verifying the account or acknowledging the fraud. 

This violates consumer protections under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am requesting the following resolution : * Cease all collection activity * Dismiss legal actions * Delete this account from all credit reports * Provide written confirmation that the account is resolved as fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: PA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under
15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have tried through the telephone request process to obtain copies of my credit reports from Experian, Equifax and Trans Union respectfully. I had no luck getting an approval, but at this time make my request through the Consumer Financial Protection Bureau. I hereby respectfully request my free annual copy from Experian, Equifax and Trans Union. My drivers license is also attached. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute accounts that are being reported under my name without my knowledge or authorization. I have never opened or managed these accounts, and their presence on my credit report is both inaccurate and misleading. 

This misreporting is unacceptable and raises serious concerns about the accuracy and integrity of the information being reported. I take my credit history very seriously, and these unauthorized accounts are causing undue harm to my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
I wrote to the company via email about wanting a full hard copy of my records showing the amounts I paid to them and how my payments were applied. Because I made a payment on XX/XX/year> of {$1000.00}. I was told that I was good on my loan. Which led me to believe my loan was now paid in full. I didn't get anything from them in months until hurricane Helene. During hurricane Helene which is a documented disaster they claimed they tried to contact me. All phones were down. All internet was down. Even their own branch was shut down. They claimed then they tried to debit money out of my account. Which would have resulted in a returned check. I never gave them physical checks they hadn't debited my account for months and suddenly they tried to start it again. Because I believed it had been paid off I told my bank not to allow any debits from them. After hurricane Helene and all the power and internet came back on. They didn't try to contact me again until XXXX. This would have been 4 months. So they were initiating predatory practices and using the confusion of the hurricane in order to bully payments from people that didn't have it or had lost everything. When I spoke to the woman on the phone today Monday XX/XX/XXXX. I was told that I owed {$3000.00}. When I checked my credit report on Friday it showed that I owe {$3900.00}. And this has been rising by {$600.00} a month according to my credit report which I check every month. So I want a hard copy I don't want to come into the branch to pick it up I want it mailed to me. This is not an above and beyond request. I want to be able to show it to my legal representation so that we can get to the bottom of whether I owe or not. I was told by legal counsel to make a formal complaint in order to have something done. Because coming into the branch with no witnesses and no legal way to record the conversation. Is a good way to get into a he said she said situation. Because I had believed this bill was taken care of with my {$1000.00} payment and then another {$500.00} payment that same month. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credi
t reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 1st Fidelity Loan Servicing
State: PA

Complaint narrative:
our mortgage company was switched from XXXX XXXX XXXX, to 1st fidelity loan servicing, and since then we have not received any mortgage statements from them proving that they are receiving our monthly payments. we have tried contacting them, in which the number they have listed on the paper that was sent to us, is not the correct number. contacted someone from XXXX and they gave us the correct number. tried to contact them once again, with no returned calls.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/2025 XXXX  XXXX  RE : DEMAND FOR DELETION OF ACCOUNT ENDING IN XXXX DUE TO XXXX XXXX, FCRA, AND FDCPA VIOLATIONS To Whom It May Concern, This letter is a formal demand for the immediate deletion of the following account from all consumer reporting agencies under your control. Upon review of my credit reports, I have identified significant legal violations that require urgent attention. 

The following account number is included in this dispute and demand for deletion : Account # : CB Indigo ending in XXXX XXXX XXXX  Compliance Violations : - Improper use of compliance condition codes ( e.g., failure to mark account as disputed ). 
- Reporting charge-offs inaccurately with incorrect balance or status. 
- Violating the standard reporting format required for XXXX XXXX compliance. 
- Misleading status updates that affect scoring algorithms. 


Fair Credit Reporting Act ( FCRA ) Violations : - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Inaccurate reporting of information.

- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable investigation of disputes.

- 15 U.S.C. 1681e ( b ) : Failure to maintain accurate and up-to-date information.

- 15 U.S.C. 1681n & 1681o : Willful and negligent noncompliance with FCRA.

Fair Debt Collection Practices Act ( FDCPA ) Violations ( if applicable ) : - 15 U.S.C. 1692e ( 8 ) : Failure to report account as disputed.

- 15 U.S.C. 1692g ( b ) : Continued collection and reporting without validation.

Due to the violations cited, you are hereby demanded to permanently delete the above-referenced account from all credit bureaus ( XXXX, XXXX, and XXXX  ) within 15 days of receiving this notice. Failure to do so will result in immediate escalation to the CFPB, FTC, and state Attorney General, and I will seek legal remedy including actual and statutory damages as provided by federal law. 

This is your final opportunity to resolve this matter amicably. I request written confirmation that this account has been removed from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX  document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
In XX/XX/XXXX, I had a settlement for the XXXX i had deposited in my PayPal account.the amount is {$100000.00}.. I was able to use the funds for less then 24 hrs at which time PayPal permanently limited my account claiming the funds would be held for 180 days and gave me a date of XX/XX/XXXX that id get an email on how to transfer my money. Its now XX/XX/XXXX and still no explanation or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recent review a copy of my credit report and noticed I have fraudulent accounts on my report. Please remove these accounts from report, as they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I discovered in XX/XX/XXXX that a credit card account was fraudulently opened in my name in XX/XX/XXXX. I did not open this account, authorize anyone to do so, or have knowledge of its existence until now. The account is now closed and marked as past due. This is a case of identity theft, and I am requesting that it be investigated and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate information being reported by XXXX XXXX Bank on my credit report. The auto loan in question was paid off in full in 2019, yet it continues to be reported as open with late payments, which is not accurate and is negatively impacting my credit score. 

Despite efforts to contact XXXX XXXX Bank and request that this account be updated or removed, no action has been taken to correct the information. This continued misreporting is a false and damaging representation of my credit history and must be addressed promptly. 

Under 15 U.S. Code 1681c-2 ( Consumer Code 1681 ( c ) ( 2 ) ), I have the legal right to have any inaccurate or outdated information removed from my credit report. I am formally requesting that this account be removed and blocked from further reporting. Additionally, per Consumer Code 605B, there is an obligation to investigate and correct any inaccurate or identity-related credit reporting. Failure to comply constitutes a violation of my consumer rights. 

Please confirm in writing once this account has been fully removed from my credit report. 

Thank you for your time and urgent attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: National Credit Systems,Inc.
State: PA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint and request for investigation into XXXX  XXXX XXXX XXXX XXXX, for multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and related regulations. I have been a direct victim of both major issues recently identified in lawsuits against XXXX  : XXXX. Failure to Properly Investigate Disputed Items I have submitted formal disputes to XXXX  regarding inaccurate or outdated information on my credit report. However, XXXX  responded with generic verbiage and no explanation of their investigation process, and the items in question remain unchanged, despite clear supporting documentation. 

This conduct violates my rights under : 15 U.S. Code 1681i the duty of a consumer reporting agency to conduct a reasonable reinvestigation 15 U.S. Code 1681e ( b ) requirement to maintain maximum possible accuracy in reports Furthermore, XXXX  appears to have reinserted previously deleted or corrected information without proper notice, as prohibited by 15 U.S. Code 1681i ( a ) ( 5 ) ( B ).

2. Unauthorized Sale of My Personal Information ( Trigger Leads ) In addition, I began receiving a high volume of unsolicited offers from lenders immediately after applying for credit, including calls and texts to my personal phone number. I did not consent to the sale or sharing of my personal data, and I believe XXXX  shared or sold this information via trigger leads.

This appears to be in violation of : 15 U.S. Code 1681b Permissible purposes for the furnishing of consumer reports And raises serious questions of non-compliance with FCRA privacy and consent requirements I have not authorized the dissemination of my phone number for marketing purposes in connection with any credit application. 



My Requests : XXXXThat the CFPB investigate XXXX handling of my credit disputes and verify compliance with their reinvestigation obligations. 
XXXXThat the CFPB investigate XXXX use and distribution of my personal information for marketing purposes without direct consent. 
XXXXThat XXXX be required to : Provide a complete record of who accessed and purchased my data Permanently remove the disputed items I previously submitted Notify all creditors and lenders who may have received incorrect or reinserted data Accounts : National credit systems ( original debtor, XXXX  XXXX XXXX XXXX XXXX account # XXXX XXXX credit card XXXX account number XXXX XXXX  XXXX auto XXXX charge off

Company response to consumer: Closed with explanation