vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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: OH

Complaint narrative:
On XX/XX/year> I asked credit reporting agencies to remove multiple errors from credit report for this account. I recieved a dispute summary of updated information and its still incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Re : Cease and Desist Wrong Party Collection Calls To Whom It May Concern, I am hereby providing formal notice that you and/or your representatives have repeatedly contacted me at XXXX attempting to reach an individual named XXXX. I am not that individual, I have no association with her, and I do not owe the alleged debt for which you are attempting to collect.

Despite this, you have persisted in calling me on a daily basis, including Sundays, creating a severe and ongoing inconvenience, harassment, and disruption to my life. These continued contacts have caused me : Emotional distress, XXXX, and XXXXXXXX XXXX ; Loss of enjoyment of life and peace in my home ; Ongoing inconvenience and interference with daily activities. 
XXXX  Legal Violations Your conduct constitutes multiple violations of : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 o 1692b ( 3 ) : Prohibits repeated communication with third parties once it is clear I am not the debtor.

o 1692d : Prohibits harassment and abuse by repeated calls intended to annoy or harass.

o 1692e : Prohibits false or misleading representations by implying I owe a debt that I do not.

Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 o 559.72 ( 7 ) : Prohibits
willfully engaging in conduct which can reasonably be expected to harass the debtor or any family member.

o 559.72 ( 18 ) : Prohibits communicating with a person about a debt when it is known that person is not the debtor. 
XXXX  Demand Accordingly, you are hereby ordered to immediately cease and desist from contacting my number in any manner whatsoever. You have been formally notified that : 1. I am not the person you are seeking ; 2. I have no responsibility or liability for the alleged debt ; 3. All further communications to my number are unauthorized, unlawful, and actionable. 
XXXX  Notice of Intent to Sue If you continue to contact me after receipt of this notice, I will pursue all available legal remedies without further warning, including but not limited to : Filing suit in Florida state court and/or U.S. District Court for the Middle District of Florida ; Seeking statutory damages, actual damages, attorneys fees, and costs under the FDCPA and FCCPA ; Seeking recovery for emotional distress, XXXX, XXXX, inconvenience, and loss of enjoyment of life caused by your unlawful actions.

This letter serves as your final warning. Keep all records of your compliance, as this matter will be pursued in litigation immediately if further violations occur.

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXX/XX/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 2025-08-30 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: TX

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.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the failure of a credit bureau TransUnion, XXXX XXXX XXXX  to properly investigate and provide the required documentation regarding the accuracy of my student loan information. I previously submitted a request to the credit bureau to verify and validate the accuracy of my student loan entries on my credit report, as outlined under Section 611 of the Fair Credit Reporting Act ( FCRA ). However, the credit bureau failed to provide the necessary details or documentation to substantiate the verification process. 

Specifically, I requested the following information in my previous communication with the credit bureau : A description of the procedure used to verify the student loan account, including details of the name, address, and telephone number of the business or person contacted during the investigation. 

Copies of any documentation used by the credit bureau in making the determination that the student loan account was verified as accurate. 

Despite my request, the credit bureau responded by stating that the information had been verified as accurate, but did not provide any supporting evidence or detailed explanation. I believe this failure constitutes a violation of my rights under the Fair Credit Reporting Act. 

Given the lack of an adequate investigation or evidence of the credit bureaus verification process, I am requesting that the Consumer Financial Protection Bureau investigate this matter further. I ask that the credit bureau be held accountable for failing to adhere to the requirements of the FCRA in conducting proper investigations and providing the necessary supporting information. 

Please find attached copies of my previous correspondence with the credit bureau, along with a copy of my credit report showing the disputed student loan information. 

I would appreciate your prompt attention to this matter, as it directly impacts my creditworthiness and financial well-being. If you require any additional information or documentation from me, please do not hesitate to contact me at the details provided above. 

Thank you for your assistance and consideration in resolving this issue.

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NC

Complaint narrative:
My stimulus check was deposited into the account they closed the account an wouldnt send my money thats owed to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: GA

Complaint narrative:
I am filing this complaint regarding XXXX handling of a federal student loan account that I recently discovered was opened under my name. 

I attended XXXX XXXX XXXX on a full scholarship. When I decided to transfer to another school, the university pressured me into signing documents. I was told that if I did not sign, I would lose my eligibility to play athletics the following year. This was false and misleading information. The documents I was pressured to sign apparently released me from my scholarship and created a loan obligation something that was never clearly explained to me. 

At no point was I properly informed of the loan terms, repayment responsibilities, or servicing. I never created a XXXX borrower account, nor did XXXX reach out to me with repayment instructions or options. The first time I became aware of the loans existence was when it appeared on my credit report. At that point, I submitted the loans under the Biden Administrations debt relief program for review. 

Despite this, beginning in XX/XX/year>, XXXX began reporting my account as XXXX days delinquent to all three major credit bureaus. Since then, XXXX has continued to report additional late payments and accrue interest all without ever giving me an opportunity to set up payment arrangements or discuss available options. 

This situation has caused severe and unfair harm to my credit, despite the fact that I was never given clear disclosure or communication about this loan.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding XXXX handling of a federal student loan account that I recently discovered was opened under my name. 

I attended XXXX XXXX XXXX on a full scholarship. When I decided to transfer to another school, the university pressured me into signing documents. I was told that if I did not sign, I would lose my eligibility to play athletics the following year. This was false and misleading information. The documents I was pressured to sign apparently released me from my scholarship and created a loan obligation something that was never clearly explained to me. 

At no point was I properly informed of the loan terms, repayment responsibilities, or servicing. I never created a XXXX borrower account, nor did XXXX reach out to me with repayment instructions or options. The first time I became aware of the loans existence was when it appeared on my credit report. At that point, I submitted the loans under the Biden Administrations debt relief program for review. 

Despite this, beginning in XX/XX/year>, XXXX began reporting my account as 90+ days delinquent to all three major credit bureaus. Since then, XXXX has continued to report additional late payments and accrue interest all without ever giving me an opportunity to set up payment arrangements or discuss available options. 

This situation has caused severe and unfair harm to my credit, despite the fact that I was never given clear disclosure or communication about this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
These three credit reporting agencies Trans Union Equifax and Experian have consistently reported unverified information on my credit report I have requested documentation on the fair credit reporting act from them on numerous occasion for months under 15 USC 1692G as well as all other applicable statutes one of these acts and terms they have five days in the meantime cease reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Scheer, Green & Burke L.P.A.
State: MI

Complaint narrative:
I was staying at a XXXX  living house when I was accused of failing a XXXX XXXX they forced me to go to XXXX and get a XXXX XXXXXXXX I have medical insurance I didnt voluntarily want to have to do that like I said I was forced to or id be homeless. The fact that I have health insurance this shouldve been covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

Complaint narrative:
Response to CFPB Complaint XXXX Consumer : XXXX XXXX XXXX XXXX XX/XX/year> I am submitting this response in support of my complaint regarding TransUnions refusal to properly investigate and remove six ( 6 ) unauthorized hard inquiries that appeared on my credit file.

1. Background On reviewing my TransUnion credit report, I discovered six hard inquiries that I did not authorize and do not recognize. These inquiries negatively affect my creditworthiness. I promptly disputed the inquiries in writing and by telephone with TransUnion.

I specifically requested proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires that consumer reports ( and the inquiries associated with them ) only be accessed with proper authorization. 
2. Failure of Investigation Despite my disputes, TransUnion has not provided documentation showing : The identity of the party that made each inquiry, The permissible purpose for the inquiry, or My authorization for access.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must complete a reasonable reinvestigation of a consumers dispute within 30 days. If the item can not be verified, the agency must delete it under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

It has been more than 30 days since I submitted my disputes. TransUnion has neither provided verification nor removed the six disputed inquiries. This constitutes a violation of my rights under the FCRA. 
3. Violations of FCRA 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to complete a reinvestigation within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information.

15 U.S.C. 1681b ( f ) : Furnishing a consumer report without a permissible purpose.

15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

4. Requested Relief I respectfully request that the CFPB require TransUnion to : Immediately delete all six unauthorized inquiries from my credit report as they remain unverified after the statutory 30-day period ; Provide written confirmation that the items have been deleted ; and Ensure future compliance with the FCRA. 
5. Consent for Publication I consent to publication of this complaint ( with personal information redacted ) on ConsumerFinance.gov, so other consumers can learn from my experience.

Fair resolution : Removal of all six unverified inquiries from my credit report, as required by the FCRA when no verification is provided within 30 days. 
Respectfully submitted, 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 2025-08-30 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: FL

Complaint narrative:
Response to CFPB Complaint XXXX Consumer : XXXX XXXX XXXX XXXX XX/XX/year> I am submitting this response in support of my complaint regarding TransUnions refusal to properly investigate and remove six ( 6 ) unauthorized hard inquiries that appeared on my credit file.

1. Background On reviewing my TransUnion credit report, I discovered six hard inquiries that I did not authorize and do not recognize. These inquiries negatively affect my creditworthiness. I promptly disputed the inquiries in writing and by telephone with TransUnion.

I specifically requested proof of permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires that consumer reports ( and the inquiries associated with them ) only be accessed with proper authorization. 
2. Failure of Investigation Despite my disputes, TransUnion has not provided documentation showing : The identity of the party that made each inquiry, The permissible purpose for the inquiry, or My authorization for access.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), a credit reporting agency must complete a reasonable reinvestigation of a consumers dispute within 30 days. If the item can not be verified, the agency must delete it under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

It has been more than 30 days since I submitted my disputes. TransUnion has neither provided verification nor removed the six disputed inquiries. This constitutes a violation of my rights under the FCRA. 
3. Violations of FCRA 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to complete a reinvestigation within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information.

15 U.S.C. 1681b ( f ) : Furnishing a consumer report without a permissible purpose.

15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy.

4. Requested Relief I respectfully request that the CFPB require TransUnion to : Immediately delete all six unauthorized inquiries from my credit report as they remain unverified after the statutory 30-day period ; Provide written confirmation that the items have been deleted ; and Ensure future compliance with the FCRA. 
5. Consent for Publication I consent to publication of this complaint ( with personal information redacted ) on ConsumerFinance.gov, so other consumers can learn from my experience.

Fair resolution : Removal of all six unverified inquiries from my credit report, as required by the FCRA when no verification is provided within 30 days. 
Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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