vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding multiple alleged debts being reported or collected by third-party collection agencies without proper validation or verification as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Each of these companies including Midland Credit Management, XXXX XXXX XXXX, and XXXX Funding have attempted to collect or report debts that I do not recognize and for which they have not provided sufficient proof of ownership, itemization, or original creditor documentation after written requests were made. 

I sent each company a formal request for debt validation and a cease and desist notice pursuant to 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1692c ( c ). Despite this, collection attempts and/or credit reporting activity have continued. This constitutes a violation of the FDCPA and potentially the Fair Credit Reporting Act ( FCRA ) due to inaccurate or unverified reporting. 

I am requesting CFPB assistance to ensure that these companies comply with federal law by providing full verification of any alleged debts and ceasing all collection and reporting activities until proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
This account listing mischaracterizes my payment history and appears inaccurate. I respectfully request its removal after review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I am filing this complaint because a collection account reported by XXXX ( Original Creditor : XXXX XXXX ) is being shown on my XXXX and Equifax credit reports with a balance of {$7100.00}. 

I disputed this item with both credit bureaus and with the furnisher directly. Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureaus must conduct a reasonable reinvestigation and verify the accuracy of the information. I also requested validation of the debt from the furnisher under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and a direct dispute under FCRA 623 ( a ) ( 8 ).

The company has not provided any documentary proof, itemized statement, or evidence showing that I owe this debt or that it was properly assigned. Because no verification was provided within the required time, the account should be deleted or corrected to show {$0.00} and closed. 

I am requesting that the CFPB ensure the credit bureaus and XXXX comply with the FCRA and FDCPA, and that this inaccurate, unverified account be permanently removed from my credit reports. 

Supporting documents are attached, including copies of my credit report and prior dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MI

Complaint narrative:
To whom it may concern, I am a victim of identity theft and unauthorized activity related to a data breach.

Pursuant to the Fair Credit Reporting Act 15 USC code 1681c-2 ( section 605B ), I request that you immediately block and remove the fraudulent accounts in my name. I also request that you cease any reporting of these accounts to Equifax, Experian and Transunion. To support this request, I have included the following documents : A copy of my government issued photo Identification and proof of address. 
XXXX. XXXX XXXX XXXX # XXXX {$4200.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$17000.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$11000.00} XXXX. XXXX XXXXXXXX XXXX XXXX # XXXX {$11000.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$2800.00} XXXX. XXXX XXXX XXXX XXXX # XXXX {$7700.00} XXXX. XXXX XXXX # XXXX {$1200.00} Please confirm the account name and account number has been blocked and deleted in ( 4 ) business days, as fraudulent activity violates my rights under FCRA section 605B. If additional information is required contact me promptly. Thank you for your attention to this matter. 

Sincerely, 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 2025-10-14 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Date : XX/XX/XXXX, payment of XXXX This account is not charged off. I am currently making payments under an active payment plan arrangement with Capital One Auto Finance. My loan remains open and active, and I have continued to make my agreed-upon monthly payments on time per the terms of the payment plan. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you : Conduct a full investigation into this reporting error. 

Correct the account status to reflect Active Paying as Agreed ( or Active Payment Plan ) on all credit reports. 

Provide me with written confirmation once the correction has been made. 

For your reference, I have enclosed the following supporting documentation : Proof of recent payments ( bank statements or receipts ) Correspondence showing my payment plan arrangement A copy of my ID and proof of address Please complete your investigation and provide a written response within the 30-day period required by federal law.

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation that this inaccurate charge off designation has been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy and validity of the information listed below on my TransUnion credit report. Pursuant to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act, I request that you conduct a reinvestigation and remove any accounts or data that may have been compromised or inaccurately reported as a result of a data breach or unauthorized use of my personal information. 
Please investigate and verify the following items : Account 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 non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe may have been compromised as a result of the data breach affecting Experian. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that may have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account 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 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 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 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 2025-10-14 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have requested for this account to be removed! I dont know what this is!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX stated they are collecting {$250.00} for car insurance that i had already canceled and got another company -XXXX XXXXXXXX for my car since their rate went up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
On XX/XX/year>, I called to inquire about a {$3.00} service charge. There was no description. There was a hold. It took 10 minutes, they said it was due to my transferring my funds to my other account. However it took 5 days, so it should not have been charged. After 5 more minutes of holding, they said it was a paper statement. Then instructed me on how to enroll in estatements. However, I had been enrolled in estatements since XXXX. The bank has continued to harass me with paper statements. Then to gaslight me and say I dont have it checked off. It is checked off on the app and online. There are no options to turn off paper statements.

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 monetary relief
Consumer complaint received 2025-10-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> USAA and XXXX added an accident on my report stating that I made a claim on a XXXX XXXXXXXX XXXX XXXXXXXX XXXX that was on my auto insurance policy and this never happened. I called USAA and asked them to remove this vehicle from my policy as I owned it outright and instead of removing it from my policy only, they added an AT FAULT accident to my report and then XXXX furthered this false reporting. I have now been in dispute with USAA and XXXX for over 6.5 years regarding this false claim that has been increasing my insurance premiums for this entire time. Not XXXX XXXX was paid to me on any " claim '' as there was never one to make. To make this entire situation worse, I had to remove the vehicle that was owned outright from the policy because my significant other at the time took his life in the vehicle and instead of USAA or XXXX being human to this, they preyed on my vulnerability and have been exploiting this horrific event for the last 6.5 years.

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 2025-10-14 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: PA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX SSN : XXXX IC System, Inc. 
XXXX XXXX XXXX XXXX XXXX MN XXXX RE : Formal Debt Validation Request under 15 U.S.C. 1692g and 15 U.S.C. 1681i To Whom It May Concern : I am writing to formally request debt validation and verification for several collection accounts that your company has reported to the credit bureaus under my name. This letter serves as notice that I dispute the accuracy and validity of the following accounts and demand full documentation as required by federal law : Account # XXXX Account # XXXX Account # XXXX Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide proper verification of any alleged debt upon request. Additionally, under 15 U.S.C. 1681e ( b ) and 1681i of the Fair Credit Reporting Act ( FCRA ), all information furnished to credit reporting agencies must be verified for accuracy and completeness. 

Accordingly, please provide the following documentation for each account listed : The name and address of the original creditor. 

The original signed contract or agreement bearing my signature. 

A complete payment history and accounting showing how the alleged balance was calculated. 

The date of last activity, date opened, and original balance. 

Proof that IC System , Inc. has the legal right to collect on this alleged debt. 

If you are unable to provide full validation within the legally required time frame, you must immediately remove any and all reporting of this account from all consumer credit reporting agencies and cease collection efforts. 

Please note, this is not a refusal to pay, but a request for validation of the alleged debt in accordance with federal law. Any continued reporting of unverified accounts will be considered a willful violation of the FDCPA and FCRA, subjecting your company to legal liability under 15 U.S.C. 1681n and 1692k. 

All future correspondence should be in writing only. 

Sincerely, XXXX XXXX XXXXXXXX

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 2025-10-14 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: HI

Complaint narrative:
I disputed a collection account reported by XXXX XXXX XXXX that does not belong to me. Equifax verified the account as accurate without providing any proof of ownership or supporting documentation. I sent a formal debt validation letter directly to XXXX XXXX XXXX requesting verification of the alleged debt ( including contract, billing history, and proof of assignment ), but the letter was returned to sender due to an invalid address. This indicates the furnisher can not be properly contacted or verified. 

XXXX has already deleted this same collection account from my credit report after their investigation found no validation. Equifaxs investigation failed to correct this error and continues to report inaccurate information in violation of the Fair Credit Reporting Act ( FCRA 611 ( a ) ). I am requesting that this collection be deleted from my Equifax credit file immediately.

Company response to consumer: Closed with explanation