vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management has my account listed as open and an installment on my credit reports with XXXX XXXX XXXX XXXX. I have never opened or agreed to anything with them. The reporting is fraudulent and lacks any communication from me. They have failed to send any proof of the actual contract or agreement with them to be on my credit report, and this needs to be removed and not allowed to be reinserted. They also report different open dates across all the credit agencies, which is another fraudulent act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
These fraudulent accounts were created without my knowledge. I demand their removal from my credit report within 15 days, as outlined in USC 1681g. Documentation has been included.

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I received a collection notice from Resurgent Capital Services, acting on behalf of LVNV Funding LLC, regarding an alleged debt from XXXX XXXX XXXX I disputed the validity of the debt and requested full legal validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). My dispute was submitted through the CFPB on or around XX/XX/year>. 

In response, Resurgent provided generic billing statements, terms and conditions, and a reference to an arbitration clause but they failed to provide the documentation I lawfully requested, including : A signed agreement showing I opened the account A complete, itemized transaction history Proof of a valid legal chain of title/assignment from XXXX to LVNV Funding LLC Evidence that I agreed to arbitration or the terms they referenced A copy of the purchase and sale agreement confirming ownership and collection rights Resurgent also refused to provide the purchase and sale agreement and stated they are not obligated to do so, despite it being a critical component in verifying their legal right to collect or report the debt. 

They continue to report this account to the credit bureaus, despite failing to validate it. This has harmed my credit and violates my rights under the FDCPA and FCRA. Reporting an unvalidated debt, and maintaining it in my credit file without verifying its accuracy, is misleading and potentially unlawful. 

I am disputing the entire account, including ownership, accuracy, and any claims of a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
My personal and financial information has been compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

I did not give access nor was I notified to give access to The Department of Education or The Department of Government Efficiency access to share my personal and/or financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a charged-off automobile account reported by XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$25000.00}, and a charged-off credit card account reported by XXXX, opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a {$0.00} balance. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Neither of the schools I attended are on this list but I had Navient. When Navient was sued, they credited my student loan account down to {$30000.00}, as soon as I moved to North Carolina it went back up again to {$90000.00}. My school I attended actually closed, it was XXXX XXXX. I do know there is another lawsuit in Illinois for adding back the money we got in the lawsuit that happened with Navient. Once Navient was sued and my student loans were sold to XXXX thats when I noticed the discrepancy. Now Im trying to purchase a home and cant because they added all my student loan debt back that was once gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I discovered that Citibank is reporting a credit account ( account number ending in XXXX ) on my credit report, listing me as an authorized user. I have no knowledge of this account, have never authorized my inclusion, and have never received any communication from Citibank regarding this account. 

I believe this is a case of fraud or identity theft. As soon as I became aware of the issue, I filed a dispute with the credit bureaus and notified Citibank directly. Despite my efforts, the account continues to appear on my credit report. 

I am requesting that the CFPB assist in ensuring that Citibank : Removes the account from all credit reporting agencies ; Confirms I was not legally or contractually obligated on the account ; Stops all reporting of this account under my name. 

This erroneous reporting is negatively impacting my credit score and causing undue stress. I am seeking immediate removal of this account and confirmation that it will not be reported again

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 2025-08-06 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: GA

Complaint narrative:
My friend and former room mate used my private and personal information to open accounts and loans without my permission or knowledge. I did not open these accounts, These accounts I am disputing are not mine, Please remove these right away from my credit.

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 2025-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I used my Capital One credit card through XXXX  on XX/XX/year> to pay {$390.00} to XXXX XXXX for paint and supplies. The goods, /services were not delivered, and my refund request was declined. I submitted two disputes to Capital One, but were denied despite clear supporting evidence. I also contacted XXXX XXXX, and they confirmed they are unable to assist further. Capital One has notified me they plan to withdraw this amount from my account XX/XX/year>. I am requesting CFPB assistance to have this charge reconsidered or credited as a one -time goodwill adjustment. Supporting documentation is attached..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
( Formal Letter Attached to Complaint ) Subject : Formal Dispute Bankruptcy and Fraudulent Tradelines Not Belonging to Me Dear Equifax, I am writing to formally dispute inaccurate and fraudulent information currently being reported on my Equifax credit report. Specifically, I am referring to a bankruptcy listing and related accounts/tradelines that are not mine and do not correspond to my personal credit history. 

To investigate this matter thoroughly, I requested a copy of my XXXX Consumer Disclosure Report, as XXXX is known to provide public record data to Equifax. After receiving and reviewing the report, there is no bankruptcy or any related information on file with XXXX that matches my personal identifying information. 

Additionally, I contacted the courthouse where the alleged bankruptcy would have been filed. Court staff confirmed that they do not report personal identifying information to Equifax or any other credit reporting agency, and that they do not have a bankruptcy on record that matches my information. 

This confirms that the bankruptcy currently being reported on my Equifax credit file is inaccurate. I have never filed for bankruptcy, and I have never had the accounts associated with this entry. The tradelines linked to this bankruptcy are also fraudulent and must be removed immediately. 

As you are aware, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of any disputed information and delete any information that can not be verified as accurate. You are also required under FCRA 1681e ( b ) to maintain procedures to assure maximum possible accuracy of the information in consumer reports.

If these inaccuracies are not corrected within the time allowed by law, I am prepared to pursue all legal remedies available to me under FCRA Sections 616 and 617, which permit consumers to seek damages for willful or negligent noncompliance, including statutory, actual, and punitive damages, as well as attorneys fees. 

I am formally requesting the immediate removal of : The bankruptcy entry appearing on my Equifax credit report Any and all tradelines, accounts, or remarks that are linked to or associated with this incorrect bankruptcy which is the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please send me a written confirmation once these items have been removed, along with a free updated copy of my Equifax credit report, as required under the FCRA when a dispute results in changes. 

Thank you for your prompt attention to this serious matter. I am maintaining detailed records of all correspondence for legal purposes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-06 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: MA

Complaint narrative:
This is a Formal Complaint Against Credit Bureaus and Data Furnishers for Misreporting and Failure to Comply with Dispute RequestsI am writing to invoke my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and 15 U.S. Code 1692, regarding inaccurate, unverifiable, obsolete, and unauthorized items listed on my credit report. These items are currently harming my ability to obtain fair financial services.

I am filing this formal complaint with your office regarding systemic violations by credit reporting agencies and/or furnishers concerning my consumer credit file.

This letter serves as a formal demand to cease and desist from reporting and distributing any and all derogatory, inaccurate, and outdated information associated with the accounts listed below. You are legally obligated to investigate, verify, or delete these items under 15 U.S. Code 1681i and 15 U.S. Code 1692g.

According to FCRA 611 and FDCPA 809, any information that can not be verified must be deleted immediately from the consumer 's file. You are also required under FCRA 623 to ensure the accuracy and integrity of the data you furnish to credit bureaus.

Disputed and Demanded for Deletion Immediately : Referencing the credit audit report dated XX/XX/year>, the following accounts are being disputed and require immediate deletion from all consumer reports : Account Name Issue Summary Action Demanded XXXX  : 30-90 day lates, charged off REMOVE 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  : 30-60 day lates REMOVE Additionally, I demand the immediate removal of all hard inquiries, closed accounts, collections, charge-offs, and any unauthorized or obsolete listings reported within the last 24 months. 
Legal Grounds : Under the statutes listed below, you are required to take action : 15 U.S.C. 1692c : Prohibits continued communication of disputed information.

15 U.S.C. 1681i : Mandates prompt reinvestigation and deletion if unverifiable.

15 U.S.C. 1681s-2 : Obligates furnishers to report accurate data.

FCRA 605 : Specifies how long derogatory items may remain on a 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 2025-08-06 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: AppFolio, Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX I need my app folio record birthday to be updated and removed and disputed from XX/XX/XXXX it should be XX/XX/XXXX on my screening talent report and dispute these accounts and removed and update them on my report I never have these accounts XXXX XXXX Revolving Paid as XX/XX/XXXX XX/XX/XXXX {$410.00} {$410.00} Agreed XXXX days : XXXX XXXX days : XXXX XXXX days : XXXX MEDICAL PAYMENT DATA Installment Account Paid as Agreed XX/XX/XXXX XX/XX/XXXX {$2500.00} {$2000.00} XXXX days : XXXX XXXX days : XXXX XXXX days : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have recently checked my credit report and noticed multiple inaccurate accounts that do not belong to me reporting on there. these are damaging to my profile moving forward in life.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of accounts that appear on my credit report under my name without my authorization or knowledge. I have never opened, managed, or consented to these accounts, and their presence is both inaccurate and misleading. 

This is a serious breach of my personal credit history and has caused considerable concern. I respectfully request a thorough investigation into these accounts, including identification of the entity that reported them.

Company response to consumer: Closed with non-monetary relief