vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: TN

Complaint narrative:
I am submitting this formal complaint to request a full investigation into multiple inaccuracies that appear on my consumer credit reports. The items listed below are misreported and violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am demanding immediate correction, deletion, and compliance with all federal consumer protection laws. The addresses and accounts reported are not accurate, and the inquiries were not authorized by me. 

ACCOUNTS DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6900.00} Late Payment * * This account is inaccurately reporting late payments that are neither verified nor validated through original records. Under FCRA 611 ( A ), you are obligated to conduct a reasonable reinvestigation using the original creditors verified documentation, not third-party data. Reporting unverifiable payment history after prior disputes constitutes a violation of 607 ( B ) for failure to maintain maximum possible accuracy. Continuing this false report harms my credibility, violating FCRA 602 ( A ) and 605 ( B ). 

DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$4000.00} Late Payment * * This accounts payment history has been repeatedly challenged and remains unverified. The bureaus failure to validate this account within the FCRA-mandated 30-day window violates 611 ( A ) ( 1 ) and 611 ( A ) ( 5 ) ( A ). Any reporting of incomplete or unverifiable data breaches 607 ( B ). Such inaccuracy obstructs fair lending decisions, directly contradicting FCRA 602 ( A ). 

INQUIRIES : XXXX XX/XX/XXXX This inquiry appears on my file without consent. Reporting such data violates 604 ( A ) ( 3 ) and 607 ( B ), as it misrepresents my credit-seeking behavior. 

XXXX XX/XX/XXXX Duplicate inquiry from the same creditor without authorization. Multiple entries from one source show careless reporting in violation of 607 ( B ) and 611 ( A ). 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized and unverifiable inquiry reported in error. Its continued listing violates FCRA 604 ( A ) and 607 ( B ). 

XXXX XX/XX/XXXX I never applied for credit through XXXX or authorized any inquiry. Reporting such activity without proof violates 604 ( A ) ( 3 ) and 611 ( A ). 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to ensure that only verified, accurate, and legally obtained information remains on my consumer credit reports. I request immediate deletion of all unverifiable, inaccurate, and unauthorized data listed above and written confirmation once the corrections have been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-12 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: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: McPhail Sanchez, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  MCPHAIL SANCHEZ , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request Under the Fair Debt Collection Practices Act To Whom It May Concern : I am writing to formally dispute the validity of the alleged debt referenced in your correspondence dated XX/XX/year> ]. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I respectfully request that you provide proper validation and verification of this debt.

Please provide the following documentation : 1. A copy of the original creditor 's name and the original account number.

2. The amount of the alleged debt, including a breakdown of principal, interest, fees, and other charges.

3. A copy of the original contract or agreement bearing my signature, if applicable.

4. Documentation that verifies your legal authority to collect this debt on behalf of the original creditor.

While this matter is in dispute, I request that all collection activities, including reporting this debt to credit bureaus, cease until this debt is fully validated. Be advised that any failure to comply with this request may constitute a violation of federal law. 
Please respond to this letter at your earliest convenience but no later than 30 days from the date of receipt, as required by law. All future correspondence should be in writing and directed to the address above. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the following accounts reported by TransUnion. The details of the accounts in dispute are as follows : Inquiries XXXX CARD Account Date : XXXX XXXX XXXX  Account Date : XXXX Late Payments XXXX CARD Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MS

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-12 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: MO

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-12 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccuracies and incomplete reporting of certain accounts on my credit report, as provided by Equifax ( XXXX ) The details of the accounts in dispute are as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
CENTRALPORTF is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTF 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have checked my report I notice there is an auto loan and an account I did not authorize have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: PA

Complaint narrative:
Dear AR Resources, Inc. : I acknowledge your correspondence, which confirms a {$0.00} balance and your intention to request deletion from my credit reports. However, I must reject the assertion that this process requires up to 90 days. 

Federal Law Requirements : Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), you are required to promptly notify credit reporting agencies when you have " knowledge that the information is not complete or accurate. '' You have now confirmed in writing that the reported balance is inaccurate ( {$0.00} versus the reported outstanding balance ). " Promptly '' does not mean 90 days. 

Per 15 U.S.C. 1681i ( a ) ( 2 ), once a consumer disputes information, credit reporting agencies must complete their investigation within 30 days, not 90. Furthermore, as the furnisher, you have the technical capability to submit updates electronically through XXXX XXXX reporting or similar systems, which are processed within one reporting cycle ( typically 30 days maximum ). 

The CFPB has established that furnishers must update credit reporting agencies " as soon as possible '' when they identify reporting errors, typically within one billing cycle or 30 days at most.

Pennsylvania Law Requirements : Under 73 P.S. 2270.4 ( a ) of the Pennsylvania Fair Credit Extension Uniformity Act, creditors and collection agencies must not engage in unfair or deceptive acts. Maintaining inaccurate negative information for 90 days when you possess the ability to correct it immediately constitutes both unfair and deceptive conduct. 

Demand for Immediate Action : I demand that you immediately submit deletion requests to all three credit reporting agencies XXXX XXXX XXXX and XXXX XXXX  via your electronic reporting system within five ( 5 ) business days of this request ; Provide written confirmation to me within ten ( 10 ) business days that these deletion requests have been submitted, including the dates of submission. 

Your 90-day timeline is legally unsupportable and constitutes a continued violation of 15 U.S.C. 1681s-2 ( a ) ( 2 ). Failure to comply with this demand will result in legal action under the Fair Credit Reporting Act, which provides for actual damages, statutory damages up to {$1000.00}, punitive damages, and attorney 's fees pursuant to 15 U.S.C. 1681n and 1681o. 

I expect written confirmation of compliance by XX/XX/year>. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
In XXXX, I disputed two XXXX XXXX business accounts appearing on my consumer credit reports. XXXX XXXX responded to prior CFPB complaints on XX/XX/year> and XX/XX/year> stating they could not locate the original signed credit applications proving personal liability due to retention limits. Liability for these accounts was never legally established, and related Wisconsin lawsuits were dismissed in case numbers XXXX and XXXX. On XX/XX/year>, XXXX  completed an investigation through the CFPB portal, contacted the furnisher, and deleted both tradelines as non-monetary relief, determining the information to be inaccurate/unverifiable. Despite this, TransUnion continues to report the same accounts as verified as reported. TransUnion has not provided the method of verification, the source used, or documentary evidence bearing a signature, and appears to be relying on automated e-OSCAR codes rather than conducting a reasonable reinvestigation. I have disputed these accounts multiple times throughout XXXX  and the information remains. The continued reporting of unverifiable business accounts on a consumer file is inaccurate and causing harm to lending, insurance pricing, and creditworthiness. I am requesting CFPB assistance to ensure a reasonable reinvestigation and removal of unverifiable information consistent with the Fair Credit Reporting Act

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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: MO

Complaint narrative:
I was sued by this place after I didn't agree to the amount of the debt. I wrote to them in XXXX. Instead of working with me on a settlement, they decided to just sue me. My court date was on XX/XX/XXXX at XXXX XXXX. I was at the hospital. I had XXXX that day scheduled at XXXX, I had to be there by XXXX. I am obviously struggling and wrote to them asking for help and instead they decided to sue me. Now, they say well there is a judgement so now you have to pay. Well what they did was illegal and I'm tired of these rich people thinking they can treat others like XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
CONVERGENT OUTSOURCING  is falsely reporting on my credit. I have never had any accounts with them. Per my research CONVERGENT OUTSOURCING 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 response to consumer: Closed with explanation