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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not connected to these accounts ; remove them within 15 days according to USC 1681g.

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 — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: LA

Complaint narrative:
I am writing to file a formal complaint regarding a debt that Hunter Warfield , Inc. has been attempting to collect from me. Despite my written request for validation, Hunter Warfield has failed to provide proper validation or assignment of the alleged account, as required by law. This letter also serves as a renewed formal request for full validation and a demand that this debt be deleted from all credit reporting agencies immediately.

1. FDCPA Violations ( 15 U.S.C. 1692 et seq. ) Under the Fair Debt Collection Practices Act ( FDCPA ), particularly 809 ( 15 U.S.C. 1692g ), a consumer has the right to request validation of any alleged debt. Upon receiving such a request, the debt collector must cease all collection efforts until proper validation is provided.

To date, Hunter Warfield has failed to provide the following required documents : The original signed agreement or lease showing I owe this debt.

The itemized statement or ledger showing how the balance was calculated.

The full account assignment or chain of title showing legal ownership and the right to collect.

By continuing to report and/or attempt to collect on an invalidated debt, Hunter Warfield is in violation of FDCPA 807 and 808 ( 15 U.S.C. 1692e1692f ), which prohibit false, deceptive, and unfair collection practices, including the reporting of unverified information to credit bureaus.

2. Regulation F ( 12 C.F.R. Part 1006 ) CFPB Implementation of the FDCPA Per Regulation F, issued by the Consumer Financial Protection Bureau ( effective XX/XX/year> ), debt XXXX must not : Continue collection communications without first providing a complete validation notice ( 1006.34 ).

Report a debt to a credit bureau prior to providing the required validation notice ( 1006.30 ( a ) ).

Hunter Warfields ongoing communication and credit reporting activity without proper validation is a direct violation of these provisions.

3. Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Under the FCRA, data furnishers ( including debt collectors ) are required to report only accurate, validated and verifiable information to credit bureaus.

1681s-2 ( a ) prohibits the reporting of information known or reasonably should be known to be inaccurate.

1681i ( a ) requires credit reporting agencies to reinvestigate disputed information within 30 days.

Because Hunter Warfield has not provided verification or validation, any continued reporting of this debt to XXXX XXXX XXXX XXXX XXXXs inaccurate and unlawful. Therefore, I am demanding immediate deletion of this tradeline. 
XXXX. Uniform Commercial Code ( XXXX ) XXXX ( b ) ( XXXX ) and XXXX Under the UCC, the party XXXX a right to payment must produce the original instrument of indebtedness or an authenticated record evidencing the obligation. 
Without this proof, there is no legal standing to enforce or collect on the alleged debt.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX - SSN : XXXX - XXXX - XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report immediately. 



XXXXXX/XX/XXXXXXXX - Opened XX/XX/XXXX - Balance {$240.00} ADDRESSES TO REMOVE : XXXX XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX 



Please consider this letter my official notification. I request that you take the following actions immediately : XXXX. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft.

2. Provide written confirmation that these fraudulent items have been blocked and deleted.

3. Ensure my credit report accurately reflects only legitimate accounts and inquiries.

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ).

Proof of address ( e.g., utility bill ).

My Social Security Card.

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with the federal law. 

Thank you for your immediate attention to this very urgent matter. 



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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with XXXX U.S.C. XXXX, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX  - XX/XX/year> - the inquiry was not authorized.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I discovered XXXX student loan accounts from DEPT OF EDXXXX appearing on my XXXX  credit report that do not belong to me. 

I did not apply for, open, or authorize these student loan accounts. I have never signed a promissory note, received any funds, or had any connection with Aidvantage or the U.S. Department of Education for these loans. 

The accounts are listed as : Account XXXX : Balance {$5200.00} opened XX/XX/year> Account XXXX : Balance {$2300.00} opened XX/XX/year> These are fraudulent accounts that were opened without my knowledge or consent. 

I am requesting that XXXX and the Department of Education immediately investigate this matter, confirm that I am not associated with these loans, and ensure they are removed from all credit reports XXXX XXXX XXXX and TransUnion ). 

I would also like written confirmation once these unauthorized accounts have been deleted from my credit file.

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: EQUIFAX, INC.
State: MI

Complaint narrative:
I discovered XXXX student loan accounts from XXXX OF ED/AIDVANTAGE appearing on my XXXX  credit report that do not belong to me. 

I did not apply for, open, or authorize these student loan accounts. I have never signed a promissory note, received any funds, or had any connection with Aidvantage or the U.S. Department of Education for these loans. 

The accounts are listed as : Account XXXX : Balance {$5200.00} opened XX/XX/year> Account XXXX : Balance {$2300.00} opened XX/XX/year> These are fraudulent accounts that were opened without my knowledge or consent. 

I am requesting that XXXX and the XXXX XXXX XXXX immediately investigate this matter, confirm that I am not associated with these loans, and ensure they are removed from all credit reports ( XXXX, Equifax, and XXXX  ). 

I would also like written confirmation once these unauthorized accounts have been deleted from my credit file.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts on my credit report as reported by the credit bureaus. I have reviewed my credit report and found inaccuracies in the reporting of certain charged-off accounts. Below are the disputed accounts, separated by each bureau : Experian ( XXXX ) : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$66.00} Discrepancy : I am disputing the charge-off status of this account, as I believe the balance and status do not reflect the actual standing of the account. 

XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account is inaccurately reporting as charged off, and I request clarification on this matter with supporting documentation. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancy : This account was reported as charged off, but there are no records or documentation to support this status. 

XXXXXXXX XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Discrepancy : This account shows as charged off, but I am disputing the charge-off status, and I request that the creditor provide proof of the charge-off event.

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 — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
On XX/XX/year> I received a phone call from Waypoint Resource group. I answered and listened to the task at hand. This is the only communication I have received thus far, there was no dunning letter sent to my present address. When speaking with them they were abusive in their speaking asking " Why dont you pay your bills? '' The representative who I spoke with would ask a question I would attempt to answer it and in the middle of answering it she would not listen and kept interrupting my statements to them.

Previously this same debt was with another Collection Agency named XXXX XXXX services who sent many statements only about the same alleged debt, then they stated they were sending it back to the original creditor named XXXX XXXX. 

The representative who I spoke with stated the dispute I have with this debt was validated. I had stated it was not properly validated and its still in dispute. The next question she asked was " Why is this still in dispute, what could you possibly dispute now? '' I stated I am disputing many things that I wouldnt go over with on the phone. 

I then asked for them to send a proper dunning letter according to the FDCPA, to which her answer was " what? are you some kind of attorney or something? '' I started to answer when she interrupted me and stated " Perhaps you need an attorney, perhaps you need representation. '' She was evasive in sending a dunning letter then when asked again she flat out refused, my answer to that was " I am now demanding a proper dunning letter to be sent which is according to the FDCPA '' After making such a demand, she then reluctantly put it in my file ( or so she said ) that there would be a letter sent out. I had also told this same representative that they have 5 days after we hang up to send such a letter to my address and validated my address to get the letter from them. 

Part of their claim is they are claiming the amount of {$120.00}, but claiming they are only a hired debt collector that they do not own the debt. I had asked well if you are stating that XXXX XXXX owns the debt why do I have to pay XXXX money? She them got really loud and stated " Cause you do not pay your debts '' She then proceeded to state that I was being combative to which I was as calm as I can be as a consumer dealing with a debt collector Representative spoken with : XXXX XXXX ID : refused to give

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: MS

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The first time Agents from MCM called me they informed me that they would file a lawsuit if this debt was not acknowledged. The call ended up disconnecting as I had answered while at work. I tried calling again but it just hung up. A few days pass and the same guy tries to call me at work again trying to tell me about this debt but I let him know that I was at work and couldnt talk. Eventually the calls started coming in every day to the point where a different XXXX called and it was a woman this time. After my interaction with her is when the calls started to come at night. Then I had family members tell me that they were calling them over and over asking for me. To confirm I asked for the number that was calling and it was them. I also know that they got ahold of my employer. Making this situation unprofessional and violating my privacy. They also used multiple numbers to contact us

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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the inaccuracies found in my credit reports across the three major credit bureausEquifax I believe these accounts have been reported inaccurately, and I am requesting that these items be corrected or removed from my credit file. 

Charged Off 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 XXXXXXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief