vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following accounts reported by TransUnion are being disputed. There are inaccuracies in the way they have been reported, and I request a thorough review to correct these discrepancies. 

Charged Off Accounts : XXXX XXXX XXXXXXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$24000.00} XXXXXXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$140.00} XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$160.00} Inquiries : XXXX Account Date : XX/XX/XXXX XXXX  Account Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Lenmo Inc
State: WI

Complaint narrative:
They guaranteed in writing i would recieve XXXX XXXX Then changed their mind adding new rules and denied me after implementing my information. They have predatory advertising and are trying to harm people by lieing to get there money and time.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing a complaint because Midland Credit Management ( MCM ) is reporting a collection account for {$2300.00} on my credit report with a Date Opened of XX/XX/XXXX and a Date of First Delinquency of XX/XX/XXXX, but I never received the initial written notice required by the FDCPA. 
Under FDCPA 1692g ( a ), a debt collector must send a written notice containing the amount of the debt, the name of the creditor, and the consumers 30-day dispute rights within 5 days of the initial communication. I did not receive : Any initial communication Any 30-day dispute notice Any validation notice Any information identifying the original creditor Any opportunity to dispute or request validation Because this notice was never sent, Midland is reporting a debt that has never been validated, which violates my rights under FDCPA 1692g ( a ) and 1692e ( 8 ), which prohibits reporting information that is unverified or failing to mark a debt as disputed. This also violates the accuracy requirements of FCRA 623 ( a ) ( 1 ) ( A ).

Courts have consistently held that collectors can not report a debt without providing the required 1692g notice. In XXXX XXXX XXXX, the court found that debt collectors can not assume a debt is valid when the required notice was not provided, and furnishing to credit bureaus without giving the consumer the chance to dispute is a violation. Similarly, XXXX v. XXXX XXXX held that depriving the consumer of the 1692g ( a ) notice deprives them of federally protected rights. Perry v. Columbia Recovery Group confirms that collectors must provide proper notice before credit reporting.

I only learned of this alleged debt from my credit reports, not from Midland. Because the legally required notice was never provided, I was never given the opportunity to dispute or obtain validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Today deposited two checks all of a sudden my account is locked

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate and unauthorized items appearing on my credit reports. These errors are causing significant harm, and the reporting agencies and furnishers have failed to correct them despite clear violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Wrong Addresses Reported ( I Have No Connection to These Addresses ) The following addresses do not belong to me, and I have never lived at, used, or been associated with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are falsely linked to my credit file, indicating a blatant failure to maintain accurate and up-to-date identifying information as required under FCRA 607 ( b ).

I am requesting immediate removal of these addresses from all reporting agencies.

2. Charge-Off & Collection Accounts ( I Have No Knowledge of These Accounts ) The following furnishers are reporting accounts that do not belong to me. 
I have no knowledge, no contract, no account history, and no financial relationship with these companies : XXXX  Account XXXX High Balance : {$75.00} Date Opened : XX/XX/XXXX Status : Charge-Off XXXX XXXX  Account XXXX High Balance : {$570.00} Date Opened : XX/XX/XXXX Status : Collection These accounts appear to be inaccurate, fraudulent, or mixed-file errors. 
Reporting accounts that do not belong to me is a direct violation of : FCRA 602 ( A ) Accuracy and fairness FCRA 609 ( a ) Right to disclosure of accurate information FCRA 611 Failure to properly investigate disputes I am requesting complete deletion of these accounts from all credit bureaus. 

XXXX. Unauthorized Inquiry The following inquiry is unauthorized and unknown to me : XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX I did not apply for credit with this company. 
This inquiry was made without my written authorization, violating FCRA requirements for permissible purpose under 604 ( a ).

I request immediate removal of this unauthorized inquiry.

Requested Resolution I am formally requesting the CFPB to : Investigate the reporting agencies and the furnishers involved.

Require immediate deletion of all inaccurate addresses, removal of the unauthorized inquiry, and deletion of all accounts I have no knowledge of.

Ensure all furnishers provide documentation proving these accounts are mine ; if they can not, they must delete them.

Hold all parties accountable for violations of the Fair Credit Reporting Act. 

Certification I certify that the information in this complaint is true and accurate to the best of my knowledge. I request immediate assistance from the CFPB to correct these ongoing and harmful reporting errors. 

Thank you for your attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing EXPERIAN to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: MA

Complaint narrative:
I am writing to dispute the following accounts on my credit report. The accounts listed below are inaccurate or have incorrect reporting and need to be addressed according to the Fair Credit Reporting Act ( FCRA ). Please find the details for each bureau below. 
Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} Inquiries : None listed. 

Late Payments : XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I am a victim of identity theft. I discovered a fraudulent account and inquiry entry on my credit report that I did not authorize, open, or file. 
I submitted disputes with the credit reporting agencies months ago regarding the following : XXXX XXXX  Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> I provided proper identification, documentation, and in some cases, an FTC Identity Theft Report and/or police report. Despite this, the account and inquiry remain on my credit report with no proper resolution or verification.

This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 1681i Failure to reinvestigate and correct disputed items FCRA 1681c-2 ( 605B ) Failure to block fraudulent information related to identity theft FCRA 1681e ( b ) Failure to ensure maximum possible accuracy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NY

Complaint narrative:
I am filing a formal complaint against Sallie MaeXXXX for XXXX credit reporting, payment processing failures, harassment, and mismanagement of my Reduced Payment Program that began in XX/XX/year>. 
Since entering the program, I have made every required reduced payment. However, Sallie Mae repeatedly failed to process my scheduled future paymentseven though the payment schedule was created by them. These failures occurred without notification, causing false delinquencies. 
Specifically : For XXXX, XXXX, and XX/XX/year> I was enrolled in the Reduced Payment Program and made my payments. Sallie Mae nevertheless reported these months as late/non-payment to the credit bureaus. 
During summer XXXX, Sallie Mae unexpectedly canceled all my scheduled future payments without informing me, causing additional account errors. 
On XX/XX/year>, Sallie Mae rejected my scheduled payment but still marked me as past due, despite the failure being entirely on their end. 
As a result of these errors, my account now shows an incorrect {$2200.00} amount due and a {$1300.00} past due amount, which is inaccurate and the result of Sallie Maes internal system failures.

Representatives have harassed me, including telling me we gave you {$140000.00}, its your responsibility, which is inappropriate, unprofessional, and in violation of federal customer treatment standards.

I have been forced to call repeatedly to correct Sallie Maes mistakes, and each time they blame me instead of addressing the underlying issue. This has caused severe emotional and financial distress.

I was not informed that I was placed on a future payment system instead of true autopay, and Sallie Maes own staff admitted that the system is unreliable.

I am requesting : Immediate correction of all inaccurate late reporting for XXXX, XXXX, and XX/XX/year>. 
Removal of any late reporting for XX/XX/year>, as Sallie Mae failed to process the payment. 
A full account correction to reflect my proper Reduced Payment Program status. 
Reversal of all improper past-due balances and the {$2200.00} erroneous payment demand. 
Restoration of my Reduced Payment Program without penalty. 
Written confirmation of corrected credit reporting with all three credit bureaus. 
Investigation into inappropriate conduct by Sallie Mae customer service staff. 
These errors have significantly harmed my credit, caused emotional distress, and placed me in a financial situation I should not be in. I am requesting immediate resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation