vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: MI

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: TN

Complaint narrative:
This letter is to notify you that I formally dispute the validity and legal enforceability of the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and Regulation F ( 12 CFR 1006 ), you are required to provide clear and complete validation before any further collection efforts may proceed.

In accordance with 12 CFR 1006.34 ( c ), please provide : A complete itemization of the alleged debt, including : Original amount, interest, fees, credits, and payments applied ; The name and contact details of the original creditor ; The date the debt became delinquent or was charged off. 

Evidence of your authority to collect, including : A full chain of title or assignment from the original creditor to XXXX XXXX XXXX ; Copies of any assignment agreements, bills of sale, or contracts supporting your claim ; The original signed agreement or credit application. 

XXXX that a proper validation notice was mailed within XXXX ( XXXX ) days of your initial communication, as mandated by 12 CFR 1006.34 ( a ).

If you are unable to supply this information, continued collection activity or reporting to consumer reporting agencies will be considered a violation of federal law, including 15 U.S.C. 1692e and 12 CFR 1006.18, which prohibit false or misleading representations. 

Notice of Intent to Pursue Legal Action Should you fail to validate the alleged debt as required by law, I am prepared to take appropriate legal action, which may include : Filing claims for violations of the FDCPA, Regulation F, and relevant state consumer protection statutes ; Seeking monetary damages, injunctive relief, and removal of any erroneous credit reporting ; Demanding arbitration if an agreement exists providing for such remedy. 

This is a good faith attempt to resolve the matter and to assert my rights under federal law. All future communication must be in writing. If validation can not be provided, I demand that all collection activity cease immediately and that any credit reporting related to this alleged debt be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-28 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I went to XXXX XXXX to purchase a used vehicle ( XXXX XXXX XXXX XXXX XXXX ). Soon after I test-drove the vehicle, I told the sales rep that I am purchasing CASH and no credit check was necessary. I proceeded to show my bank account balance that the funds are there and available to use for ACH transfer. 

Unbeknownst to me they ran my credit report, despite verbally saying no need, nor any consent form signed by me. They ran it 3 times that day ( XX/XX/XXXX ) and then again, in 3 days and 3 times, using different acronyms on their dealership. 

I wrote on their survey to remove those inquiries and that I was very disappointed that they even did it without my consent. I immediately noticed how my credit score dropped. 

Recently, due to having my house being burglarized/vandalized ( weekend of XX/XX/XXXX ), many personal information, including banking and tax return forms, are floating around, I called my banks and requested to activate identity thief coverage. I also called Experian to review my credit report and found the 6 inquiries by the same XXXX XXXX has NOT been removed. I called their office at XXXX, and unfortunately the typical AI answering system could only take voicemails. Hence, this complaint.

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 2025-07-28 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: PR

Complaint narrative:
In XX/XX/XXXX, I previously filed two formal complaints with TransUnion ( case # XXXX on XXXX, XXXX, and case # XXXX on XXXX, XXXX ). Both were closed with a company response, but none of the errors I disputed were corrected. 

I disputed the following persistent issues : Hard inquiries missing from my TransUnion credit report dating back to XX/XX/XXXX, despite applications for multiple credit products during that period. 

Incorrect late payments reported on accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXXXXXX XXXX of which were validated by the creditors after my dispute. 

Duplicate accounts listed for Department of Education XXXX XXXX, each having identical balance, account opening date, and statusthis inflated my reported debt. 

Reported credit utilization of 287 %, which is mathematically impossible when compared to actual credit limits and account balances. 

XXXX account shown as delinquent, despite being under forbearance status, which under the CARES Act and FCRA should not negatively affect my score.

I requested a detailed description of TransUnions investigation process including communications with furnishers and justification for rejecting my documentation. They replied that they had investigated and contacted furnishers, but did not explain why none of the clear evidence I provided was accepted, nor whether my disputes were considered frivolous. 

Despite providing documents, statements, screenshots, and calculations proving each issue, TransUnion did not resolve or correct any of the disputed items.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called Trans Union because their website would not allow me to temporary XXXX  or cancel my freeze while I was buying a car. The website indicated I had to call customer service and gave me the toll-free number which I did and the representative which did not have a great understanding of XXXX kept me on the phone for over an hour and then said he had mistakenly done something that erased my credit file and transferred me to a supervisor the supervisor then stated that was correct. Something was done without my authorization by the agent and they would rebuild my file within five business days, but I could check in a few days before to see if it had been accomplished. I've called every day since the deadline it has not been accomplished and every day the supervisor is a promise me it will be done by the next business day and it has not been done and I am now going into the third week of this problem and while my XXXX  and Trans Union reports are correct and everything is fine. The auto company only uses Trans Union and they say I have no file and no credit. It was correct when I originally logged in the only problem on the website was that it wouldn't lift the freeze for me now all my credits gone I can't do anything on the website and they can't seem to get it fixed in the time frames they keep promising me. I've spent over 10 hours on the phone with them talked to seven different supervisors and every day they make a commitment to get this done by the next business day, and it has not been done.

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 2025-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Account # ending in XXXX with XXXX XXXX XXXX XXXX cancelled within a week of the service not working properly. The XXXX rep who set up the account advised that if there was any issue or dissatisfaction with the service, it could be cancelled within 30 days without charge. I spoke to a XXXX rep on XX/XX/year> who confirmed what I was told was indeed true, and this account was inaccurately sent to collections for {$93.00} and should be removed from collections immediately due to XXXX 's consumer policy. I provided a callback number in case our call was disconnected, but the representative did not get back to me to resume the resolution, as he was contacting Transworld to remove. I spent XXXX hours calling back XXXX. I constantly encountered rude or unprofessional representatives who refused to put me back in touch with any supervisor to continue the removal of this invalid debt. New customers can cancel within 15 days on a prepaid account. The data or phone service did not work properly during my travel to XXXX XXXX XXXX which led me to cancel immediately. 

I discovered that this account was sent to Transworld Systems XXXX to collect on an invalid debt under Reference Account # : XXXX for {$100.00}. The company has not reviewed XXXX 's policy as directed and/or removed the account to update my credit report accurately. This is a violation to collect on an invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am disputing the reporting of my auto loan account with Navy Federal Credit Union ( Account # : XXXXXXXX XXXX XXXX shows the account as current, while XXXX reports multiple missed payments, including 30, 60, and 90-day delinquencies.

This inconsistency violates 15 U.S.C. 1681e ( b ) of the FCRA, which mandates that credit information must be reported with maximum possible accuracy. Both bureaus can not be correct. These discrepancies are harming my credit profile and have caused denial of financial opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Skopos Financial, LLC
State: AZ

Complaint narrative:
I applied to Reprise loans Twice and went through whole process then for then to deny me. They told pay off and email for power attorney for car denial me after everything. I am victim of identity theft and fraud and person already try get home loan in my name for XXXX denied. This is problem I will half file bankruptcy due to fraud and theft. This bank did not give me a reason why. They said they could not verify I gave them everything They could verify with my employer. I believe they are committed additional fraud on my name this is private finance company. I have concerns my ex is bankrupt and I believe he stealing my information. This need to stop I had bank account hacked and now this. No one has any legal authority over and anything these people do are fraudulent. These are bad lendeing practices Must be look into. Then when I check my credit unknown loan or garshments. Something has been done about this.... by law they must send denial by 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 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland Credit Managament " XXXX '' I'm unaware of this Debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified mail '' with a receipt displaying my signature. If not please delete account " XXXX '' as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and obsolete information listed on my EQUIFAX credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I request that your agency conduct a reasonable investigation and remove the following inaccurate items : Negative Items to Dispute : XXXX - Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  ( duplicate listings ) XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX OF XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX FCU - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX * * * * XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX * * * * CB/VICSCRT - Account # : XXXX * * * * XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - Account # : XXXX * * XXXX XXXX XXXX - Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX CARD - Account # : XXXXXXXX XXXX XXXX XXXX XXXX Please investigate these accounts and inquiries, and if they are found to be unverifiable or inaccurate, delete them from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: IA

Complaint narrative:
I am submitting this complaint with absolute certainty and deep frustration. There are numerous errors on my credit report that I can no longer ignore, as they have been negatively affecting both my life and my credit score. These inaccuracies are preventing me from achieving financial freedom and stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, 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 Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-28 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, 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 Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-28 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I never did business with XXXX XXXX XXXX RE : You violated The United States Code Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. USC 1681b Permissible purpose of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and states.

Company response to consumer: Closed with explanation