vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6300.00}. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: John C. Heath, Attorney at Law, PLLC
State: TN

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To : Lexington Law Firm XXXX XXXX XXXX, Attorney at Law PLLC ATTN : XXXX XXXX XXXX XXXX Department Lexington Law XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Refund Due to Non-Performance of Services Dear Lexington Law, I am writing to formally request a full refund for credit repair services that I paid during XX/XX/XXXX Despite paying for your services, you failed to deliver the promised results. 

Throughout my time as a client, there was little to no communication, no evidence of meaningful disputes submitted on my behalf, and no improvements made to my credit file. As a paying customer, I was misled and left with no benefit from the services I trusted your firm to provide. 

I am now aware that your firm is currently facing federal legal action and has been accused of deceptive and unfair practices by the Consumer Financial Protection Bureau. My experience aligns with the exact behavior described in those complaints, and I believe I am entitled to a full refund. 

Please consider this my official request. If I do not receive a satisfactory resolution within 15 business days, I will file complaints with the Consumer Financial Protection Bureau, the FTC, and my states attorney general.

You may send your refund to the address listed above or contact me by phone or email for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 am filing this complaint because Experian, Equifax and TransUnion has falsely reported me as deceased on my credit report. I am alive and have already submitted a formal dispute, but the bureau responded that the information was verified as accurate, which is incorrect and harmful. 

As a result of this false reporting, my credit file is suppressed, I have no credit score, and I have been denied access to credit. This has caused financial harm and emotional distress.

I provided valid identification and proof of address to confirm that I am alive, yet Experian has failed to remove the deceased notation. I recently called their customer service and was told to file another dispute and wait 30 more days, despite the fact that I already went through the dispute process and proved the information was inaccurate.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate records and properly investigate disputes. Verifying a false deceased status without proper investigation is willful noncompliance and subject to legal consequences.

I am requesting that Experian immediately remove the deceased status from my credit file, reinstate my full credit profile and score, and provide written confirmation of the correction.

I am happy to provide ID, proof of address, and a signed affidavit confirming that I am alive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 filing this complaint because Experian, Equifax and TransUnion has falsely reported me as deceased on my credit report. I am alive and have already submitted a formal dispute, but the bureau responded that the information was verified as accurate, which is incorrect and harmful. 

As a result of this false reporting, my credit file is suppressed, I have no credit score, and I have been denied access to credit. This has caused financial harm and emotional distress.

I provided valid identification and proof of address to confirm that I am alive, yet Experian has failed to remove the deceased notation. I recently called their customer service and was told to file another dispute and wait 30 more days, despite the fact that I already went through the dispute process and proved the information was inaccurate.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate records and properly investigate disputes. Verifying a false deceased status without proper investigation is willful noncompliance and subject to legal consequences.

I am requesting that Experian immediately remove the deceased status from my credit file, reinstate my full credit profile and score, and provide written confirmation of the correction.

I am happy to provide ID, proof of address, and a signed affidavit confirming that I am alive.

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 2025-07-09 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
I filed a dispute with Chime due to my card information getting leaked online and a lot of money got stolen from me. Chime denied the dispute twice without no reason and im currently filing for the third time, but I filed two more disputes with the same company that I had to do on a different date due to the charges were still pending at the time and Chime approved those with no issues, but keep denying the main one. I don't even think they are looking at it becauae it's a lot of transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: IN

Complaint narrative:
I have sent multiple formal disputes to this credit bureau regarding numerous accounts and inquiries that are : Inaccurate Unverifiable Improperly reported under Metro 2 standards Lacking legal evidence or wet-ink contracts Despite providing identification, address verification, and documented requests, the bureaus refused to delete the items or perform a manual reinvestigation as required by FCRA 1681i ( a ) ( 1 ). Instead, the bureau used automated e-OSCAR dispute processing, which has been flagged by the CFPB as a sham investigation method that bypasses the actual review of submitted documents. Legal Violations Cited : FCRA 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation FCRA 1681i ( a ) ( 5 ) Failure to delete unverifiable or inaccurate data FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 604 ( a ) ( 3 ) Reporting inquiries without permissible purpose FCRA 609 ( a ) ( 1 ) Refusal to disclose method of verification Metro 2 Data Furnishing Violation Data structure corruption, field code inconsistency UCC 3-301 Reporting debt without proof of ownership or assignment Fair Credit Billing Act / FDCPA ( if applicable ) Unauthorized administration of estate Tradelines & Inquiries in Violation 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 And 30+ inquiries reported without consent or signed authorization, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc XXXX I reference the XXXX  CFPB action against Experian, which found that reliance on e-OSCAR to ignore real evidence and consumer attachments constitutes willful noncompliance with the FCRA. This same unlawful behavior has occurred in my case. These companies ignored my supporting documents, denied reinvestigation, and continued reporting items they can not verify or validate under law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain information that appears on my credit report. The entries I am referring to are listed under : Creditor Name : XXXX  Account Number : XXXX Disputed Entries : 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  These entries are either inaccurate or incomplete. I request that a thorough investigation be conducted under the Fair Credit Reporting Act ( FCRA ). If these accounts or statuses can not be verified or are incorrect, I respectfully request that they be corrected or removed entirely from my credit report.

Please provide written confirmation of the outcome of your investigation. If you need further information from me to facilitate this process, I am happy to provide it.

Thank you for your time and 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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am submitting multiple complaints regarding XXXX collection accounts reported by Midland Credit Management ( MCM ) to XXXX XXXX XXXX XXXX 

These accounts are being reported with serious inconsistencies and inaccuracies that appear to violate the Fair Credit Reporting Act ( FCRA ). Specifically : 1. The accounts appear to have been re-aged, which is a direct violation of the FCRA. The Date of First Delinquency ( DOFD ) is either missing or inaccurate, and the Date Opened is reported in a way that does not reflect the true age of the debt.

2. The accounts are being updated monthly, even though I have made no payments or activity on the accounts. This falsely makes the debts appear current and active, unfairly suppressing my credit score.

3. These repeated updates appear intended to artific
ially extend the life of the collection accounts on my credit reports, in violation of the FCRA 's 7-year reporting limit.

4. The accounts are being inconsistently furnished to the credit bureaus : Example : Reported as Open on XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Such inconsistency is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which requires that furnished data be accurate and consistent.

5. Additionally, the accounts list a 1-month repayment term, which is false and misleading. The original debts had longer repayment terms. By misreporting the term as only 1 month, MCM mischaracterizes the nature of the debt, potentially leading lenders to believe I defaulted on a short-term, high-risk loan.

This kind of reporting misleads credit scoring models and lenders, portraying me as a higher-risk borrower than I actually am. It unfairly affects my access to credit and violates the FCRA requirement that data be not just accurate, but also not misleading.

I am requesting that the CFPB investigate Midland Credit Managements reporting practices and require the company to either : Correct the inaccurate and inconsistent information across all bureaus, or remove the accounts if they can not be verified with accurate and compliant data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Experian XXXX. XXXX XXXX XXXX, XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Re : Demand for Immediate Deletion of Dismissed XXXX XXXX Bankruptcy File Reference : Mortgage Loan # __________ To Whom It May Concern : This letter constitutes my formal demandunder the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ( 1 ) & 1681i ) that you immediately delete from my credit report any and all references to a dismissed XXXX XXXX bankruptcy.

1. Bankruptcy Dismissal : My XXXX XXXX case ( No. __________ ) was officially dismissed by the U.S. Bankruptcy Court for the Southern District of California on [ Dismissal Date ]. 
XXXX. Legal Requirement to Delete : 15 U.S.C. 1681c ( a ) ( 1 ) mandates removal of any public record item that has been vacated or dismissed.

15 U.S.C. 1681i requires you to conduct a reasonable investigation andto the extent information can not be verified or is inaccuratepromptly delete or block it.

3. Demand for Immediate Action : You are hereby ordered to : Cease all reporting of this dismissed bankruptcy as an active or public record item. 
Permanently delete every reference to Case No. __________ from my credit file and all consumer disclosures. 
Provide written confirmation of deletion within XXXX business days of your receipt of this letter. 
XXXX. Consequences of Non-Compliance : Failure to comply will constitute a willful violation of the FCRA. I will exercise all rights available to me, including : Statutory damages and recovery of attorneys fees under 15 U.S.C. 1681n.

Filing complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and the California Attorney Generals Office. 
Enclosures : Copy of Bankruptcy Dismissal Order ( Southern District of California, Case No. __________ ) Copy of my government-issued ID This matter is non-negotiable. I expect your written confirmation of deletion by [ Date + XXXX business days ]. 
Respectfully, XXXX XXXX Enclosures : Dismissal Order ; ID copy.

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 2025-07-09 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: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX Account # XXXX Charged off lease with {$2500.00} balance and {$1500.00} past due as of XX/XX/year>. 
XXXX XXXX Account # XXXX Charged off auto loan with {$7200.00} balance and {$4400.00} written off. 
XXXX XXXX XXXX Account # XXXX Credit card charged off with {$490.00} balance and multiple late payments. 
XXXX XXXX Account # XXXX Secured loan charged off with {$270.00} past due and over 60 months of derogatory reporting. 
XXXX XXXX XXXX  Account # XXXX Charged off secured card with {$110.00} balance and multiple missed payments. 
XXXX XXXX XXXX Account # XXXX Secured loan closed with XXXX late payments before closure. 
XXXX XXXX XXXX  Account # XXXX Secured loan closed with XXXX late payments on record.

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 2025-07-09 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: VA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX Account # XXXX Charged off lease with {$2500.00} balance and {$1500.00} past due as of XX/XX/year>. 
XXXX XXXX Account # XXXX Charged off auto loan with {$7200.00} balance and {$4400.00} written off. 
XXXX XXXX XXXX Account # XXXX Credit card charged off with {$490.00} balance and multiple late payments. 
XXXX XXXX Account # XXXX Secured loan charged off with {$270.00} past due and over 60 months of derogatory reporting. 
XXXX XXXX XXXX  Account # XXXX Charged off secured card with {$110.00} balance and multiple missed payments. 
XXXX XXXX XXXX Account # XXXX Secured loan closed with XXXX late payments before closure. 
XXXX XXXX XXXX  Account # XXXX Secured loan closed with XXXX late payments on record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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