vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$0.00}

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 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the debt you claim I owe and to point out multiple violations of consumer protection laws in your collection practices. I do not recognize any obligation to the following collection agencies : XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I request full debt validation, including the original creditors name, account number, total alleged balance, and an itemized statement of all fees, charges, and interest. I also request a copy of the purchase agreement between your agency and the original creditor to substantiate your authority to collect this debt. A complaint has been filed with the Consumer Financial Protection Bureau regarding these concerns. 

Additionally, I hereby revoke permission for contact via phone, email, or text. All further communication must be in writing. Your failure to afford me a proper opportunity to dispute this debt, as required under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), is a violation of my rights. Your collection practices have been deceptive and lack required legal disclosures. Furthermore, it is unlawful for [ creditor_name ] to report this debt without providing the disclosures mandated by 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-06-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXXXXXX Balance {$2100.00} XXXX  Original Lender XXXX XXXX XXXX XXXX XXXX  Balance {$2100.00} XXXX XXXX XXXX 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 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Reached out to Credit Collection Servicing at XXXX as well as wrote a letter and submitted multiple disputes to XXXX requesting the validation of debt. When I called there is no record found of my information and was hung up on. When the dispute was submitted directly with XXXX all I got was that the account remains and was verified. When I asked for validation of debt? I have yet received any documentation. I have followed all legalities under the FDCPA and consumer rights but yet have received a resolution. After reviewing all three of my reports they're all reporting differently for this particular account violating my rights. I have demanded this to be deleted and corrected or at least provide evidence or validation of debt which i have paper trail for and yet received a resolution. I hope this can be resolved immediately as its incorrect information reporting to all three of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally request detailed account information regarding an account that appears on my credit report and/or is currently being serviced by your agency. 

Account Information : Current Creditor / Debt Collector : XXXX XXXX XXXX  Original Creditor : XXXX XXXX  Account Number ( Last Four Digits ) : XXXX Balance Reported : {$560.00} Date Opened ( per credit report ) : XX/XX/XXXX Status : Collection Account Credit Bureau Reporting Agency : Experian ( and possibly others ) This request is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 609 ( a ) ( 1 ) and Section 611 ( a ).

I am requesting the following specific information regarding the reporting and handling of this account : 1. The date of first delinquency on the original XXXX XXXX account 2. The date of the last payment made on this account 3. The date the account was charged off, if applicable 4. The date the account was placed for collection 5. The date the account was first reported to the credit bureau 6. Copies of any documents used to verify, service, or report this debt Please respond to this request in writing only. I do not consent to receiving responses by phone or email. This request is made for documentation and verification purposes, and I ask that all responses be mailed to the address listed above.

If no such documentation can be provided, I respectfully request the removal or correction of any inaccurate or unverifiable information per FCRA 611 ( a ).

Thank you for your time and cooperation in this matter. 

Sincerely, XXXX XXXX Last 4 digits of SSN : XXXX Date of Birth : [ XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: Source Receivables Management LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 two educational school accounts opened at the XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX, under the account number XXXX XXXXXXXX, another education school account opened at XXXX XXXX  on XX/XX/XXXX, under the account number XXXX XXXXXXXX, a personal loan account opened at XXXX XXXX XXXX. A Collection account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX XXXXXXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX   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 2025-06-28 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: Holloway Credit Solutions
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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 two educational school accounts opened at the XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX XXXXXXXX, another education school account opened at XXXX XXXX  on XX/XX/XXXX, under the account number XXXX XXXXXXXX, a personal loan account opened at XXXX XXXX XXXX. A Collection account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX XXXXXXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  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 2025-06-28 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: KY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My Father and I have the same name but XXXX a the XXXX. He has a personal credit card with American Express and I have a

Small business Credit Card. He passed away a little over a year ago. I have been noticing my credit score going down considerably. I had an unrelated issue with American Express and during the phone call I realized that somehow they had me as the owner of my Dads personal CC. It had a small {$40.00} charge that had not been paid in over a year. I called them and they remained aloof about it and never gave me anything concrete. What's worse is that they kept telling me that I must have done it. I don't even have any idea how I could have. Lately I noticed my credit limit with them is literally 20 % of what it used to be. I was just declined a {$7500.00} charge for an attorney I really needed. Well after the declined payment she decided it's best we don't work together. My payment history with them was basically perfect. Times are enormously difficult at the moment and American Express just made this WAY more difficult for me. I already closed one
account and as soon as I can pay it off I will close the other. The only reason I got the card was because with {$20000.00} of spending in the first month I receive big rewards. To give that incentive and then decline the transactions is insane. I have taken enough of your time but something needs to be done. I spoke with many people there and they are very aware that they did this but they are just trying to sweep it under the rug. I even offered to pay my Dads CC bill if I was given some sort of info. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc
State: WA

Complaint narrative:
I am submitting a formal complaint against Hunter Warfield for multiple violations of federal consumer protection laws related to an alleged debt from my former apartment.

Details : Hunter Warfield reported a debt allegedly owed on or about XXXX to my credit reports without ever providing me written validation within five ( 5 ) days of initial communication, violating FDCPA 1692g ( a ).

The debt was reported without lawful validation, violating FCRA 1681s-2 ( a ) ( 1 ) ( A ).

I never authorized Hunter Warfield to access, buy, or trade my personal consumer credit data. Their purchase and potential sale or securitization of this debt violated FCRA 604 ( a ) ( permissible purpose requirement ) and GLBA XXXX ( unauthorized sharing of nonpublic financial information ). 
These actions likely constitute deceptive and unfair practices under Washington State Consumer Protection Act ( RCW 19.86 ). 

On XX/XX/XXXX, I sent a formal validation demand letter, including notarized affidavits, requiring full validation, cessation of credit reporting, and removal of the debt until properly validated. That letter is attached as proof of my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I noticed some unauthorized inquiries on my credit report that I have never applied for. Please investigate and delete these inquiries from my credit reports please. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing a debt that was reported or attempted to be collected by MIDLAND CREDIT MANAGEMENT I exercised my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, by requesting proper validation of the alleged debt in writing on multiple occasions. Despite these requests, the company has failed to provide any verification or documentation to substantiate the debt.

Under the FDCPA, once a consumer disputes a debt in writing within 30 days of initial contact, the debt collector must cease all collection activity and provide verification of the debt before continuing. In this case, the company continued collection efforts without validating the debt, which is a direct violation of the FDCPA.

MIDLAND CREDIT MANAGEMENT Account Number : XXXX Account Type : Debt Buyer Amount : {$1000.00} Disputed and Information was requested XXXX of 2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
Ive come across some unfamiliar accounts on my credit report that I never authorized, which suggests possible identity theft. Ive previously addressed this issue with you, and Im now requesting that these accounts be removed from my report immediately. Their presence has caused considerable stress, as they do not represent my actual credit activity or financial behavior. This situation has been difficult, and if it's not resolved, Im ready to pursue legal action to protect my rights. These inaccurate entries have seriously hindered my financial progress, especially when it comes to purchasing a home and providing for my family. I hope for a prompt resolution.

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 2025-06-28 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: GA

Complaint narrative:
I would like these account removed as they are associated with identity theft.

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 2025-06-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I would like these account removed as they are associated with identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like these account removed as they are associated with identity theft.

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 2025-06-28 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: FL

Complaint narrative:
his XXXX account was opened in XX/XX/year> and had a small limit ( {$750.00} ) designed to help improve credit. I encountered financial hardship and missed payments, and the account was ultimately charged off with a remaining balance of {$45.00} and {$30.00} past due. 

However, there are several discrepancies across the XXXX bureaus : Equifax reports a credit limit of {$0.00}, which is incorrect and unfairly affects my utilization ratio. 

Experian shows a high credit of {$0.00}, which is inaccurate since the reported balance exceeded that. 

Payment history timelines and last activity dates are inconsistent between all three bureaus. 

I was never notified of a formal charge-off nor offered a resolution option. This debt is small, and Im willing to settle it in good faith if necessary.

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