vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: I.C. System, Inc.
State: TX

Complaint narrative:
I was trying to buy a house and I noticed damages on my credit report. According to 15 U.S.C 1861 Their shouldn't be any damages on my report it is defamation of my character.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide to me verification consisting of a formal declaration where you swear to the truths of the statement of the facts of matter, have first knowledge and must be notarized. I am also requesting proof of contract between myself and Midland Credit Management for account number XXXX this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX XXXX, and XXXX. I did not consent to you having my personal information and private information.I did not consent to you reporting information in my name to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I am filing a complaint to submit my seventh formal request for the permanent removal of several charged-off accounts and inquiries that continue to appear on my credit report. Despite multiple prior disputes, these items have not been deleted, and their continued presence misrepresents my credit history, negatively affects my financial reputation, and violates my rights under federal law. I am therefore formally requesting that all listed accounts and inquiries be permanently deleted, as they can not be verified and remain inaccurate. 
The accounts in question are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX  These accounts are being reported as charged off without proper documentation to substantiate the balances owed. In particular, there is no Form 1099-C or other verification for debts exceeding {$600.00}, which is required to accurately report such obligations. Under the Fair Credit Reporting Act 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are legally obligated to maintain maximum possible accuracy in all information reported on a consumers credit file. Reporting unverifiable accounts violates this requirement and constitutes an ongoing misrepresentation of my creditworthiness.

Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I am entitled to a thorough reinvestigation of any disputed account. Because these accounts can not be verified through proper documentation, they must be permanently removed. The continued reporting of these unverifiable accounts after multiple disputes represents a willful violation of federal law, which may expose the credit bureau to civil liability under 15 U.S.C. 1681n and 1681o. 
The following inquiries also appear on my credit report without proper authorization : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under FCRA 619 [ 15 U.S.C. 1681q ], consumer reports may only be obtained for a permissible purpose, and the consumer must provide authorization for each request. Reporting inquiries without proper authorization violates FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], which prohibit furnishing or obtaining a consumer report under false pretenses. Because these inquiries can not be verified as authorized, they must be permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I am filing a complaint to submit my seventh formal request for the permanent removal of several charged-off accounts and inquiries that continue to appear on my credit report. Despite multiple prior disputes, these items have not been deleted, and their continued presence misrepresents my credit history, negatively affects my financial reputation, and violates my rights under federal law. I am therefore formally requesting that all listed accounts and inquiries be permanently deleted, as they can not be verified and remain inaccurate. 
The accounts in question are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX  These accounts are being reported as charged off without proper documentation to substantiate the balances owed. In particular, there is no Form 1099-C or other verification for debts exceeding {$600.00}, which is required to accurately report such obligations. Under the Fair Credit Reporting Act 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are legally obligated to maintain maximum possible accuracy in all information reported on a consumers credit file. Reporting unverifiable accounts violates this requirement and constitutes an ongoing misrepresentation of my creditworthiness.

Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I am entitled to a thorough reinvestigation of any disputed account. Because these accounts can not be verified through proper documentation, they must be permanently removed. The continued reporting of these unverifiable accounts after multiple disputes represents a willful violation of federal law, which may expose the credit bureau to civil liability under 15 U.S.C. 1681n and 1681o. 
The following inquiries also appear on my credit report without proper authorization : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Under FCRA 619 [ 15 U.S.C. 1681q ], consumer reports may only be obtained for a permissible purpose, and the consumer must provide authorization for each request. Reporting inquiries without proper authorization violates FCRA 604 ( a ) [ 15 U.S.C. 1681b ( a ) ] and 604 ( f ) [ 15 U.S.C. 1681b ( f ) ], which prohibit furnishing or obtaining a consumer report under false pretenses. Because these inquiries can not be verified as authorized, they must be permanently deleted 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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because a collection account is being inaccurately reported on my credit report by Summit A * R, claiming I owe a balance to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 
The reported balance is {$300.00}. 
I disputed this account directly with Experian, but they reported back that the account was verified. However, neither Experian nor XXXX XXXX * R has provided any documentation, signed agreement, or billing statement verifying this debt. 
This appears to violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires a reasonable investigation and proper verification of disputed information, as well as the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which requires debt collectors to provide written validation of the debt upon request.

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 2025-11-11 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX TransUnion LLC P.O. XXXX XXXX XXXX, PA XXXX Subject : Formal Request for Deletion of Inaccurate Accounts FCRA 611 ( a ) ( 1 ) ( A ) Dear Experian Dispute Department, I am writing to formally dispute and request the immediate removal of the following accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ). This section requires Experian to conduct a proper reinvestigation of disputed information within 30 days and provide a complete disclosure of your Method of Verification. Please note that the use of automated systems such as e-OSCAR does not satisfy this statutory requirement. 
The accounts listed below are inaccurate and unverifiable : XXXX XXXX Account XXXX. XXXX XXXX. of XXXX / XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX Account XXXX. XXXX XXXX Account XXXX. XXXX XXXX XXXXXXXX XXXX  Account No. XXXX XXXX XXXX ( XXXX XXXX Account No. XXXX You have previously failed to properly verify and remove this false information, which constitutes a violation of your legal obligations under the Fair Credit Reporting Act. 
If these accounts are not deleted within 30 days from the date of your receipt of this letter, and if you fail to provide your complete Method of Verification, I will have no choice but to pursue legal action against Experian for noncompliance with the FCRA.

Please send all written correspondence, investigation results, and your Method of Verification to the mailing address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-11 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:
After carefully reviewing my credit report, I identified several entries that contain inaccurate, incomplete, or unverifiable information. These errors negatively affect the accuracy and integrity of my credit file. I am therefore exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request a lawful investigation and correction of the items listed below. Under FCRA 607 ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy in consumer reports. FCRA 611 ( a ) also requires that disputed data be verified directly with the original source of information. Any data that can not be verified must be deleted promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * * * * * * * * Balance : {$500.00} XXXX XXXX * * * * * * * * Balance : {$3400.00} XXXX XXXX * * * * * * * * Balance : {$200.00XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX * * * Balance : {$2000.00} XXXX XXXX XXXX Court : XXXXXXXX XXXX XXXX Reference # : XXXXXXXX XXXX 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 2025-11-11 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: NY

Complaint narrative:
After carefully reviewing my credit report, I identified several entries that contain inaccurate, incomplete, or unverifiable information. These errors negatively affect the accuracy and integrity of my credit file. I am therefore exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request a lawful investigation and correction of the items listed below. Under FCRA 607 ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy in consumer reports. FCRA 611 ( a ) also requires that disputed data be verified directly with the original source of information. Any data that can not be verified must be deleted promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * * * * * * * * Balance : {$500.00} XXXX XXXX * * * * * * * * Balance : {$3400.00} XXXX XXXX * * * * * * * * Balance : {$200.00XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX * * * Balance : {$2000.00} XXXX XXXX XXXX Court : XXXXXXXX XXXX XXXX Reference # : XXXXXXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Capital 1 had a data breach which made my information available to the world.

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

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-11 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: OH

Complaint narrative:
I have called all 3 credit bureaus twice. I provided US codes, with my comments. I did this within a six week timeframe, since XXXX. Nothing that I requested was completed. I have a bankruptcy reporting on my credit report without verification, permission, or accurate information. I want it taken off my credit report immediately. Im trying to get a new LLC funded and this is stopping all efforts. Please help me get this rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have called all 3 credit bureaus twice. I provided US codes, with my comments. I did this within a six week timeframe, since XXXX. Nothing that I requested was completed. I have a bankruptcy reporting on my credit report without verification, permission, or accurate information. I want it taken off my credit report immediately. Im trying to get a new LLC funded and this is stopping all efforts. Please help me get this rectified.

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 2025-11-11 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: PA

Complaint narrative:
I am submitting this fourth follow-up complaint regarding several accounts on my credit reports that remain inaccurate, inconsistent, and unverifiable, despite multiple prior disputes and written requests for correction. These inaccuracies continue to misrepresent my financial standing and creditworthiness. I am requesting a thorough reinvestigation and correction of all reported details in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 
FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] requires credit bureaus to conduct a reasonable reinvestigation of disputed information. FCRA 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] obligates furnishers to promptly correct and update any inaccurate data. FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] mandates maximum possible accuracy of reported information. Despite prior disputes, the following accounts still reflect discrepancies in balances, payment status, late dates, and dates of last activity : XXXX XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX Balance Owed : {$14000.00} * * The reported balance is inconsistent with my records. I request verification of the balance, last payment date, and account status. Any discrepancies must be corrected immediately, and documentation of the verified information should be provided. 
XXXX XXXX Account XXXX. XXXX Balance Owed : {$760.00} * This account shows an incorrect balance and potentially inaccurate dates and status. I request a full investigation and correction of all inaccuracies, including date opened, balance, and payment history. 
XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} * * The reported balance and account history do not match my records. I request verification and correction of all discrepancies, including account status, late payments, and date of last activity. 
XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} * * The reported balance and late payment status are inaccurate. I request a complete reinvestigation, and any verified discrepancies must be corrected immediately. 
XXXX Account XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$210.00} * * This account reflects an incorrect balance and inconsistent payment status. I request verification and correction of all details, including reported balances and dates, to ensure the information is accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$370.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4000.00} XXXX XXXX XXXXXXXX * * * * Balance : {$0.00} CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Court : XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
XXXX XXXX, green sky XXXX, XXXX XXXX. 
It's showing late payments, and it is inaccurate.

Company response to consumer: Closed with explanation