vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-18 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:
These accounts were fraudulently created using my personal information. I never gave permission for them to be opened. In compliance with 15 U.S. Code 1681g, I request their deletion within 15 days. Supporting evidence is enclosed.

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 2025-06-19 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2025-06-19 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: TX

Complaint narrative:
I am filing this formal complaint to dispute a number of negative accounts that are currently being reported on my Equifax credit file, which I believe are either inaccurate, unverifiable, or outdated. These accounts include a collection from XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a reported balance of {$920.00} ; a charge-off from XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a current balance of {$0.00} ; a collection account from XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$59.00} ; and a collection from XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$50.00}. These accounts are either reporting with outdated or questionable information, and I have never received complete or verifiable documentation from Equifax or the furnishers to prove that I am legally responsible for these debts.

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), consumer reporting agencies like Equifax are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Furthermore, when a consumer submits a dispute, Equifax is required under 15 U.S.C. 1681i to conduct a timely and thorough reinvestigation. To date, these items remain on my report without Equifax or the data furnishers providing adequate evidencesuch as signed agreements, full payment histories, or a proper chain of titleproving that these debts are accurate and attributable to me. The continued reporting of these accounts has a materially negative effect on my credit profile and may result in unfair denials of credit, employment, housing, and insurance. 

In particular, the XXXX charge-off account raises serious compliance concerns, as it is dated from XXXX and now reports a balance of {$0.00}. If this account is over seven years old from the original date of delinquency, it may already fall outside the reporting window established under 15 U.S.C. 1681c ( a ). If so, it should no longer be included in my credit file at all. Similarly, the low-dollar collections from XXXX and XXXX XXXX XXXX appear to be data fragments that lack full supporting documentation and may not meet the legal threshold for verified debt under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please check. Equifax is completely out of control and continues to violate my rights under the Fair Credit Reporting Act by repeatedly reinserting a disputed and deleted account without notifying me or providing any certification from the data furnisher. The account in question is XXXX XXXX XXXX ( Account XXXX XXXXXXXX ). I disputed this in XX/XX/year>, and it was deleted in XXXX. Yet it showed up again in XXXX without letting me know or any notice, which violates 15 USC 1681i ( a ) ( XXXX ) ( B ) ( ii )- ( iii ). This account was deleted AGAIN in XXXX, and I received confirmation through the CFPB. Equifax responded on XXXX in the CFPB XXXX after I escalated the issue, and they said 'THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE, ' which means they deleted it, right? Despite multiple removals and a formal complaint I filed with the CFPB, with delete confirmation directly from Equifax, this same account was reinserted into my XXXX credit report without any notice or communication whatsoever. Even XXXX  and XXXX  have stopped reporting this account, only Equifax continues to violate my rights. 

Again, Equifax never informed me that the account was being reinserted, which is a direct violation of 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) ( ii )- ( iii ). They failed to notify me within XXXX business days and did not obtain a proper certification of accuracy from the data furnisher as the law requires. There is also no permissible purpose under 15 U.S.C. 1681b for this account to be reported I never gave authorization or consent for it to appear on my report. Additionally, their repeated inclusion of this inaccurate and unauthorized account violates 15 U.S.C. 1681e ( b ), which requires them to ensure the maximum possible accuracy of information they report. 

XXXX pattern of deleting and then quietly reinserting this account without explanation is not only infuriating but a clear pattern of reckless noncompliance. This behavior is harming my credit and shows willful disregard for federal consumer protection laws. I am asking the CFPB to investigate this matter immediately, demand permanent deletion of this account, and take enforcement action to hold Equifax accountable for their repeated and blatant FCRA violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital is the company name. The account was open XX/XX/year>. The amount is {$2000.00}. I disputed this on XXXX  on XX/XX/XXXX. No action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally dispute the denial of credit issued by Chase Bank on XXXX ; as it stands in violation of my rights under several applicable federal statutes. I believe I have been adversely discriminated against in violation of my rights as an individual seeking credit, and I request a full and immediate review of this denial. 
I understand that credit decisions must be made in compliance with the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691. According to this law, credit can not be denied based on discriminatory reasons, including but not limited to race, color, religion, national origin, sex, marital status, or age. Furthermore, I wish to highlight that I have exercised my rights under this chapter in good faith, and therefore, I have a statutory right to seek an explanation for the denial.The Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., also supports that any denial must be clearly communicated with full transparency regarding the reasons for such a decision. If any portion of the credit decision process was not in full accordance with the provisions of TILA, I would expect immediate correction and re-evaluation.

Additionally, I invoke the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in ensuring that the information used in making this credit decision was accurate, complete, and up-to-date. If there are any discrepancies or errors in my credit report that may have influenced your decision, I request that these be rectified immediately.

It is also essential to note the Uniform Commercial Code ( UCC ) sections 1-308 and 3-104, which affirm my rights in the commercial realm, including any rights related to the lawful tendering of credit. Furthermore, I draw your attention to 12 U.S.C. 411, which clearly states that Federal Reserve Notes are legal tender, ensuring that my creditworthiness is not in question due to improper or discriminatory practices.

Lastly, I remind you of my Right to Contract under Article I, Section 10 of the U.S. Constitution, which guarantees the protection of individuals ' rights to engage in contracts, including credit agreements, free from unreasonable restrictions or denials without just cause.

In light of these legal protections, I respectfully request a thorough review of the credit denial decision, an explanation of the specific reasons for the denial, and the identification of any errors, inaccuracies, or discriminatory practices that may have contributed to the adverse action taken against me.

Please respond to this at your earliest convenience. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2025-06-19 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-18 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: DISCOVER BANK
State: NY

Complaint narrative:
To whom it may concern, I hope this message finds you well. I am respectfully requesting the removal of XXXX late payments reported from my closed Discover Bank credit card # XXXX account in XX/XX/XXXX and XX/XX/XXXX. 

These missed payments occurred during a period of unexpected and serious medical hardship. I was hospitalized and was admitted for days and my hospital bill came out to almost {$20000.00}, that significantly impacted both my physical health and my ability to manage daily responsibilities including my financial obligations. Resulting on falling behind on my payments during those months. 

I respectfully ask that you consider removing these XXXX delinquencies from my credit report as a gesture of goodwill. This adjustment would make a meaningful difference in my efforts to maintain a strong credit history and move forward after a difficult time. 

I contacted Discover Bank and explained my situation and requested a goodwill adjustment to remove the late payments but was informed that they do not have the right and can not do help me with the removal. 

I am humbly asking for a one-time goodwill adjustment. I have now a full time job and is financially stable and definitely far from where I was XXXX years ago. I am doing my very best and working hard to rebuild my credit, paying on time or even before my bills are due. 

This adjustment would make a meaningful difference in my efforts to maintain a strong credit history and move forward after a difficult time. 

Thank you for your time, understanding, and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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