vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Experian Credit Bureau regarding unresolved inaccuracies on my credit report. Despite multiple disputes, the items listed below have been repeatedly verified without proper evidence, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i Disputed Items : XXXX. XXXX XXXX Account XXXX XXXX - Not my Account XXXX. XXXX XXXX XXXX Account # XXXX Not my Account XXXX. XXXX XXXXXXXX XXXX Account # XXXX Not My Account XXXX. XXXX XXXX  Account XXXX XXXX Not my account I have requested detailed explanation and evidence of the verification process from Experian, but have not received satisfactory responses. This continued verification without proper evidence is damaging my credit profile and hindering my financial well-being. I request the CFPBs assistance in ensuring that a thorough investigation is conducted and that Experian provides the necessary documentation to verify the accuracy of the disputed items. If the information can not be verified, I request that these items be removed from my credit report according to FCRA, 15 U.S. Code 1681i. Information should be accurate across all three bureaus and Experian is the only bureau reporting these accounts

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 2025-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am writing to formally file a complaint concerning the lawsuit filed against me by Midland Credit Management Inc regarding alleged debt associated with XXXX. 

Case Number : XXXX As a consumer, I believe I have the right to be informed about any debts claimed against me in a clear and timely manner. Unfortunately, I have not received any prior communication regarding this alleged debt before being served legal papers. 

Specifically : 1. I did not receive any official notice or validation of the debt from Midland Credit Management , Inc .

2. I have not been provided with concrete documentation supporting the legitimacy of this debt, or prior communication regarding its existence.

3. I was not afforded the opportunity to discuss or resolve the matter outside of court prior to the filing of this lawsuit. 

Under the Fair Debt Collection Practices Act ( FDCPA ), consumers are entitled to receive proper validation of debts and to be notified in writing of their rights. The lack of meaningful communication from this agency has caused me significant distress and confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
Nissan has continuously reported inaccurate negative information about the status of a lease that was settled and that they were to correct the information on in lieu of being sued for damages. Nissan engaged in unlawful consumer fraud activities and harassment. During the course of 3 weeks Nissan and XXXX have changed the info on my credit account 3 times and XXXX has changed the numbers on my credit score 3 times. Nissan continues to report false information to the credit bureaus and XXXX despite having supporting documents continues to handle my credit report irresponsibly causing harm and distress. Attached are the erratic actions taken with my score and account info.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: PA

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 12 USC 1681. 


ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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 2025-02-25 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:
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 12 USC 1681. 


ACCOUNT NAME ACCOUNT NUMBER XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602A Stated I have the right privacy 15 U.S.C 1681 SECTION 604A SECTION 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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 non-monetary relief
Consumer complaint received 2025-02-25 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: AL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-25 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: AL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has unlawfully reinserted a previously deleted account onto my credit report without providing the required notification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This account was previously removed as unverifiable, yet it has been added back without any notice, explanation, or supporting proof, violating my rights under the Fair Credit Reporting Act ( FCRA ). Additionally, per 15 U.S.C. 1681i ( a ) ( 1 ), Equifax is required to conduct a reasonable investigation within 30 days of a dispute, yet despite multiple dispute letters, I have not received a valid response, violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ). Furthermore, neither XXXX nor XXXX has reinserted this account, confirming that Equifax has failed to follow proper reinvestigation procedures. I demand the immediate and permanent removal of the XXXX account ( Account # XXXX ) from my credit report, along with written confirmation of its deletion and assurance that it will not be reinserted unless proper legal procedures are followed. Given the CFPBs ongoing lawsuit against XXXX for similar violations, Equifax must take this matter seriously. Failure to comply will result in me seeking {$1000.00} per violation found on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have been having my credit drop while trying to repair it. Any information will be helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

XXXX XXXXXX/XX/year>

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
I WENT TO FIRST HORIZON BANK LOCATED AT XXXX XXXX XXXX XXXX XXXX LA XXXX ON OR AROUND THE XXXX XX/XX/2025 OR XXXX XX/XX/2025. I WENT IN TO THE BANK TELLER WINDOW TO RECEIVE A COPY OF MY CREDIT CARD STATEMENT BECAUSE I HAD BEEN BLOCKED ON MY BANKING MOBILE APP DUE TO ME FILING A DISPUTE ON FIRST HORIZON BANK THE PREVIOUS WEEK. I WAS APPROACHED BY XXXX XXXX AND INFORMED THAT SHE EMAILED ME THAT I WAS NOT TO COME ON ANY FIRST HORIZON BANK PREMISE 'S AND THAT I WAS TREPASSING. I WAS ORDERED TO LEAVE HUMILIATED AND CONFUSED. MIND YOU MY DISPUTE WAS OVER FIRST HORIZON BANK PUTTING A FRAUDULENT CHARGE ON MY CREDIT CARD FOR {$250.00} ON OR ABOUT THE XXXX OF XX/XX/2025 THAT STATED I OWED XXXX XXXX {$250.00}. MY ELECTRIC BILL ISN'T DUE UNTIL THE XXXX OF XX/XX/2025 DUE TO XXXX! I WENT IN TO THE BRANCH LOCATED ON XXXX XXXX XXXX XXXX LA ON THE MORNING OF THE XXXX OF XX/XX/2025 AROUND XXXXXXXX XXXX AFTER I REPORTED THE FRAUDULENT CHARGE ON THE EVENING OF THE XXXX OF XX/XX/2025. FIRST HORIZON BANK WHICH HAS CREATED A FLASE NARRATIVE FOR THE CORRUPTION THAT IT HAS BEEN CONDUCTING FOR HOW TO CONSUMERS? I REPORTED THE FACTIOUS NAME ON THE CHARGE TO A XXXX XXXX ON THE XXXX OF XX/XX/2025 ONLY TO FIND OUT A DAY LATER THE NAME CHANGES ON THE FACTIOUS CHARGE FROM XXXX XXXX TO XXXX. THE ONLY ONE I TOLD XXXX XXXX XXXX THIS INFORMATION. I PAID AT THE BANK TELLER WINDOW TO A BANK TELLER NAMED XXXX! A TOTAL OF {$3600.00} IN FULL WHICH INCLUDED THE FRAUDULENT CHARGE OF {$250.00} WHICH THERE WERE NO PENDING CHARGES!!! WHICH PUT MY ACCOUNT AT A XXXX BALANCE. FIRST HORIZON BANK USING THEIR CREATED NARRATIVE REVERSED MY PAYMENT WHICH SHOULD HAVE POSTED TO THE ACCOUNT IMMEDIATELY!, AND ON THE XXXX OF XX/XX/2025 REPORTED TO ALL THREE CREDIT BUREAUS A TOTAL OF {$3800.00} BALANCE AND A UTILIZATION OF 77 %. THIS WAS VERY DETRIMENTAL TO ME PURCHASING A HOME. THIS WAS ALSO DETRIMENTAL TO MY FAMILY FINANCIAL STABILITY. MIND YOU MY PAYMENT FOR MY CREDIT CARD IS DUE ON THE XXXX OF EACH MONTH, THIS WAS REPORTED ON THE XXXX OF XX/XX/2025. MY CREDIT CARD STATEMENT IS DUE ON THE XXXX OF XX/XX/2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: PA

Complaint narrative:
my information was used to obtain credit in my name

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 2025-02-25 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: NJ

Complaint narrative:
On my credit report, a late payment has been inaccurately reported for my XXXX XXXX account. The reported balance is {$0.00}, and the account status is listed as " Pays As Agreed, '' which contradicts the presence of any late payment notation.

I have consistently met my payment obligations, and this discrepancy is unjustified and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to credit bureaus must be accurate, complete, and verifiable. Since the account reflects a XXXX balance and no outstanding debt, any late payment reporting is inconsistent and should not exist.

I am formally disputing this erroneous late payment and request that it be immediately removed from my credit report. If the creditor claims this late payment is valid, I demand full documented proof of its accuracy. Otherwise, in accordance with FCRA guidelines, it must be deleted promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I received a XXXX XXXX  bill that I never took and when I contacted Mid-South adjustment agency informing XXXX that 20 years was past the expiration they claimed that because they attempted to garnish a company that I know longer works for the first time months after I no longer work there and the second time 11 years after I was no longer employed and they're claiming that because they attempted to garnish this job that I'm no longer worked for 11 years after I stopped working there that it extended the statute of limitations will pass the XXXX mark. So now they're threatened to possibly garnish my paycheck over a debt they can't even prove I owe that they kept alive for over 20 years by filing garnishing paperwork to accompany I no longer worked for obviously stretching to the XXXX the intent of the statute of limitation laws. What's the point of having these laws if all the company has to do is every 10 years send a garnish letter to some job they knew you had once upon a time extending it XXXXXXXX XXXX XXXX XXXX XXXX  It makes no sense and I'm sure any lawyer will agree with me that it is illegal especially considering the second attempt was exactly XXXX XXXX  after the first which means they were harassing a company asked me for a garnishment for somebody they knew did not even work at that company to extend the statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: NC

Complaint narrative:
I am a victim of identity theft. There are several XXXX accounts that i didnt authorize or give permission to open. Also Dept of education, XXXX and XXXX XXXX . These accounts do not belong to me and need to be removed from all 3 credit bureaus

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 2025-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
I asked for the original contract info to give to the authorities and they stated that they did not have it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-25 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.

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