vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are several inquiries on my credit report that I do not recognize. I never gave permission to these companies to access my credit, nor did I apply for anything with them. This is a clear violation of my rights as a consumer, and with everything else going on in life, I should not have to deal with unauthorized activity affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Didn't send me a letter of validation just statements from the previous creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
Im a XXXX veteran and I'm also dealing with XXXX XXXX because I'm a victim of XXXX XXXX under XXXX. My credit profile has been reporting a lot of fake and inaccurate information including discrepancies. I would like to fix that please by blocking all this incorrect information from my credit profile. I have linked and attached here, everything you need to move forward.

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 2025-05-17 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX BANK XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX OF XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX BANK XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX BANK XX/XX/year>

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 2025-05-17 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-05-17 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX This is a fraudulent account never open account with them never gave them any information about me drivers license or social security never received a credit card from them also XXXX said they have no record of my name or social in their database they cant find me but yet the account still remains on my credit report for some odd reason

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
XXXX XXXX Amount XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX This is a fraudulent account never open account with them never gave them any information about me drivers license or social security never received a credit card from them also XXXX said they have no record of my name or social in their database they cant find me but yet the account still remains on my credit report for some odd reason

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Account XXXX Account XXXX XXXX, XXXX XXXX, Date opened XX/XX/year>.

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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
Account Spring Oaks Capital LLC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent the proper notification, please provide " Certified Mail ' with receipt displaying my signature. If not, please delete the account # XXXX as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: MO

Complaint narrative:
After reviewing my credit report, I was alarmed by the amount of inaccurate information listed. These errors are not only affecting my credit score but are also causing significant stress in my life. As a consumer, I have the right to a fair and accurate report, and it is disheartening to face the consequences of something I did not cause.

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 2025-05-17 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: Absolute Resolutions Corp.
State: LA

Complaint narrative:
A collection account from Absolute Resolutions is being reported on my credit report. Allegedly opened account date is XXXX XXXX, balance {$24000.00}. I have not received proper validation of the debt, this reporting may violate my rights under the Fair Credit Reporting Act ( XXXX  ) and/or the Fair Debt Collection Practices Act ( XXXX  ). 

Details : The account is listed under Absolute Resolutions for an alleged debt that I do not acknowledge. 
I have not received adequate documentation showing that this debt is valid or that Absolute Resolutions has the legal right to collect it. 
I previously requested verification and/or validation, but have not received a sufficient response. 
The continued reporting of this account without verification is harming my credit and may be in violation of consumer protection laws. 

Request : I respectfully request that the CFPB investigate this matter and that Absolute Resolutions be required to : XXXX. Provide full verification of the debt, including documentation and the original contract, or XXXX. Remove the account from my credit report if they can not validate the debt under FCRA and FDCPA guidelines. 

Im attaching a copy of my credit report where this account appears, as well as any prior communication with Absolute Resolutions regarding this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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 ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 XXXX U.S. XXXX XXXX ( XXXX ) and XXXX U.S. XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. XXXX XXXX, 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 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
These fraudulent accounts are affecting my ability to obtain new credit. I need them removed immediately.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: TX

Complaint narrative:
BMG Money is reporting a charged-off loan account with a balance of {$660.00} on all three of my credit reports. On XX/XX/year>, I contacted BMG Money directly by phone to resolve the account. The agent I spoke with told me I owe {$870.00}, which is significantly higher than the balance reflected on my credit file. 

I asked for a written breakdown of how that amount was calculated, but the agent refused to provide any documentation. This inflated balance appears to include unauthorized interest or fees added after the charge-off, which is not clearly supported by the original loan agreement. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), companies that furnish information to credit bureaus are required to ensure that the data is accurate and not misleading. BMG Money is violating this standard by reporting one balance to the credit bureaus while demanding a higher amount with no explanation.

I am requesting that the CFPB investigate this issue and require BMG Money to : Provide a full, itemized breakdown of how the {$870.00} was calculated ; Correct the balance reported to the credit bureaus ; Remove any unverified or inaccurate information from my credit reports ; Delete the account entirely if they can not validate the increased amount.

This account is damaging my credit and hindering my ability to move forward financially. Ive attempted in good faith to resolve this, but BMG Money is refusing to cooperate or justify their inflated claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the late payment history being reported on the following account : Creditor Name : XXXX XXXXXXXX XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/year> Reported High Credit : {$39000.00} This account does belong to me, but the late payment ( XXXX ) being reported are inaccurate and should be removed. I am requesting that you investigate this matter and delete the late payment entry from my credit file. 

The late payment being reported does not accurately reflect my payment behavior or the agreement terms with the creditor. It may be the result of a clerical error, a delay in processing, or incorrect information submitted by the furnisher. Furthermore, I was not made properly aware of any delinquency during the time in question and did not receive appropriate notice, which further calls into question the validity of the late mark. 

Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure that all information furnished to consumer reporting agencies is complete, accurate, and verifiable. I formally request that you verify this information with XXXX XXXX XXXX and remove the late payment entry if it can not be fully validated. 

Please provide written confirmation once your investigation is complete.

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 2025-05-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hi I am having an issues receiving my report and check my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: American Credit Acceptance, LLC
State: NH

Complaint narrative:
Dear CFPB XXXX, I am writing to formally escalate XXXX XXXX CFPB Complaint XXXX XXXX XXXX XXXX originally submitted on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, regarding inaccurate and inconsistent reporting by XXXX XXXX American Credit Acceptance XXXX XXXX  across the major credit bureaus XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX Summary of Discrepancies ( Still Unresolved ) : XXXXXXXX XXXX XXXX Date Last Active : 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 is reporting an outdated Date Last Active that misrepresents account activity. XXXX XXXX XXXX XXXX Number of Months ( Terms ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX months - XXXX XXXX XXXX XXXX XXXX XXXX XXXX months > XXXX XXXX  shows an invalid term of XXXX months, which is factually incorrect. XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations : These reporting issues violate the XXXX XXXX Fair Credit Reporting Act ( FCRA ) XXXX XXXX  under : XXXX XXXX XXXX  15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) XXXX XXXX  Obligation to report accurate and complete information. 
XXXX XXXX XXXX  15 U.S.C. XXXX ( b ) * * Requirement to reinvestigate and correct or delete inaccurate data. 
XXXX XXXX XXXX  15 U.S.C. XXXX ( b ) XXXX XXXX Duty of consumer reporting agencies to ensure maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acknowledgment of Discrepancies : In its response to my original complaint, XXXX XXXX XXXX acknowledged the discrepancies XXXX XXXX and confirmed that : XXXX Other aspects of the disputed item ( XXXX ) may have also been updated by the data furnisher ( XXXX ). The results summary was sent to you for review. 

This statement validates that XXXX found grounds for correction or partial error. However, my XXXX XXXX credit file remains uncorrected XXXX XXXX and the XXXX XXXX inaccuracies are still appearing XXXX XXXX specifically the Date Last Active and XXXX false delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-17 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: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-17 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: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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