vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I. CEASE AND DESIST Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, you must IMMEDIATELY CEASE AND DESIST all communication with me regarding the above account. 
This means NO phone calls, letters, emails, texts, or contact of any kind except to : XXXX. Confirm receipt of this letter XXXX. Notify me collection efforts are terminated XXXX. Notify me of actual legal action ( only if truly intended ) XXXX. ACCOUNT IN DISPUTE MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX XXXX XXXX I dispute this debt in its entirety. It is invalid, unverified, and unenforceable. 
XXXX. SUPREME COURT PRECEDENT - DELETION REQUIRED Your reporting violates established Supreme Court law : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) The FCRAs purpose is to ensure fair and accurate credit reporting. You can not report unverified information. 
XXXX. XXXX v. XXXX, XXXX XXXX XXXX ( XXXX ) I have due process rights before deprivation of property. My credit report is a property right affecting employment, housing, and credit access. Your unverified reporting violates my due process. 
XXXX. XXXX XXXX. Co. XXXX XXXX, XXXX XXXX XXXX ( XXXX ) You must use reasonable procedures and good faith when reporting. Your failure to verify demonstrates reckless disregard for accuracy. 
IV. YOU HAVE FAILED TO PROVIDE Original signed contract Complete account documentation Proof of legal standing to collect/report Verification of debt amount Chain of custody for assigned debt Reasonable investigation of dispute Without verification, you have NO right to report this account. 
V. IMMEDIATE DEMANDS You have XXXX BUSINESS DAYS from receipt to : XXXX. DELETE ALL CREDIT REPORTING Remove all references from Equifax, Experian, TransUnion, and any other credit bureaus. 
XXXX. CEASE ALL COLLECTION ACTIVITY Stop all collection efforts. No lawsuits, liens, garnishments, or account transfers. 
XXXX. WRITTEN CONFIRMATION Confirm in writing that you have : Deleted all credit reporting Ceased collection activity Closed file permanently Will NEVER re-report or re-age this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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 sendig to formally dispute several inaccurate late payment accounts currently appearing on my credit report. These accounts are misleading, incomplete, and potentially the result of reporting or billing errors. I am requesting that they be fully reinvestigated and corrected in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and other applicable consumer protection laws. 
XXXXXXXX XXXX XXXXXXXX Balance {$2800.00} Payment Status : Late 30 Days Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : $ XXXX Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Late XXXX, XXXX, XXXX  days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: MS

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 ONE 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 non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ATG Credit, LLC
State: MO

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section XXXX USC XXXX XXXX, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 
These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: SC

Complaint narrative:
Between XXXX and XX/XX/year>, I discovered multiple inaccuracies on my consumer credit reports furnished by TransUnion, Experian, and Equifax. The reports contain duplicate, outdated, and unverifiable accounts, including revolving credit lines that were closed years ago but still show balances, as well as a collection account that has never been validated. 

The inaccurate entries include : Duplicate reporting of the same XXXX XXXX and XXXX  XXXX XXXX accounts with different balances and close dates. 

Closed accounts that continue to report as active or with outstanding balances. 

A XXXX collection account that has not been validated despite my written request under FDCPA 809 ( b ). 

Federal student loans reporting under Needs Attention status despite being transferred or in deferment. 

I submitted written disputes to all three credit bureaus on XX/XX/year>, citing violations of the Fair Credit Reporting Act ( FCRA 602, 607, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ). Each bureau acknowledged receipt but failed to conduct a proper reinvestigation or provide the required documentation proving the accuracy of the disputed items within the statutory XXXX period. 

The continued publication of unverified and inconsistent data has caused ongoing harm to my credit standing and access to financial services. I am requesting that the CFPB require the credit bureaus and furnishers involved to : Conduct a lawful reinvestigation in compliance with FCRA 611. 

Provide full documentation proving the validity of each disputed account. 

Permanently delete all unverifiable or duplicate information from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-01 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRY PLEASE DELETE : 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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am disputing the negative accounts listed due to inaccurate and misleading reporting. I request that you provide the description of the procedures used in your investigation. You have 30 days from the date of receipt to supply this information. If you fail to do so, the disputed accounts must be deleted. A copy of my formal request for these procedures is enclosed.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
My vehicle was with XXXX. I refinanced my XXXX  XXXX XXXX with XXXX lenders. Both of them sent XXXX the payoff amount. XXXX told me XXXX XXXX XXXX was my lender. I begin making payments to XXXX XXXX XXXX. Then XXXX in error sent the title to the wrong lender which was Foursight Capital. For over a month, XXXX was telling me that they was going to receive the from Foursight Capital but XXXX refused to send title back. Long story short, I was told I was paying the wrong lender ( XXXX XXXX XXXX ). XXXX XXXX XXXX unwinded and unwound the loan and send my XXXX payments back to me. I paid XXXX XXXX the XXXX payments but they sent a late payment to XXXX. Which this was not my fault and refused to have it removed. I explained to Foursight Capital that they were not my lender because I didnt confirm the loan. I requesting Foursight Capital to remove the late payment for my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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:
No third-party company is involved so please dont respond with a stall letter or a generic reply. 
This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law. 
I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Framework Violated : XXXX USC XXXX ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : XXXX U.S.C. XXXX Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of XXXX years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing. 
XXXX USC XXXX Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within XXXX business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies. 
Fraudulent Accounts & Inquiries : XXXX. XXXX BANK XX/XX/2025 XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX INT Account Number : XXXX XXXX. XXXX XXXX A Account Number : XXXX These accounts and inquiries were not authorized by me and must be removed from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CA

Complaint narrative:
someone stole my chase debit card and tried to transfer money to their cashapp account. The transactions didn't go through but I was forced to cancel my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made timely payments, and any errors in reporting are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-01 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: WA

Complaint narrative:
I am submitting to formally dispute certain items appearing on my credit report that are inaccurate, incomplete, and not fully verifiable. These inaccuracies have negatively impacted my credit file and do not reflect accurate or up-to-date identifying information. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 611 ( a ) and 1681e ( b ), I am requesting that conduct a full reinvestigation to ensure that all personal and inquiry information reflected in my file is correct, verified, and reported with maximum possible accuracy. 
XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$26000.00} XXXXXXXX XXXX XXXX Balance : {$320.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX CXXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA, 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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: VA

Complaint narrative:
SYN/FSTPROG is reporting inaccurate information to the credit bureaus. The account shows multiple late payments ( XXXX  days late XXXX  times and XXXX  days late XXXX time ) which are not valid, as I maintained payments during those months and resolved any outstanding balance. The account now reports a {$0.00} balance but remains listed as open with derogatory history. 

I requested validation and supporting documentation from both the creditor and the credit bureaus as required under the Fair Credit Reporting Act ( FCRA 611 and 623 ), but none was provided. The company simply verified the account without conducting a proper investigation. 

This inaccurate reporting has negatively affected my credit profile and caused a drop in my credit score. I am requesting a formal investigation and correction of the account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES 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 2025-11-01 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery Associates is reporting multiple collection accounts that have never been validated, despite repeated written requests. 

Beginning in XX/XX/XXXX, I disputed these accounts with all three credit bureaus. Portfolio Recovery failed to provide any supporting documentation to prove ownership or validity of the debts. 

In XX/XX/XXXX, I sent XXXX XXXX XXXX requests to the bureaus, and in XX/XX/XXXX I sent final notices stating that both the bureaus and Portfolio Recovery were violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ).

Portfolio Recovery made only minor changes to the reporting such as marking the accounts closed but has continued to furnish these items without ever producing proof of debt ownership, itemized statements, or assignment contracts from the original creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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 submitting to formally dispute several inaccurate, unverifiable, or unauthorized items currently appearing on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to request an investigation of any information that is incomplete, inaccurate, or can not be verified. I am disputing the reporting of multiple charge-off accounts, collection accounts, and recent inquiries that appear to be misreported or not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX  XXXX * Balance : {$5300.00} XXXX  XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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