vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I am reporting identity theft under FCRA 605B, FACTA, and 18 U.S.C. 1028. My personal data was used, sold, or traded without consent, resulting in fraudulent collection accounts on my credit reports. I request CFPB investigation and deletion of these unverifiable accounts under FCRA 605B.

Due to the government shutdown, I can not file an FTC report. I have uploaded a PDF, which includes a cover sheet, formal dispute letter, and evidence summary listing the accounts and legal citations.

Please compel Experian, Equifax, and TransUnion to block or delete all identity-theft-related items. 

Thank you, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: PA

Complaint narrative:
It is so upsetting to keep seeing these inaccurate accounts remain on my credit report despite everything Ive done to fix this. I am asking, please, to look through the documents I attached carefully so I can stop stressing and finally move forward without this burden.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because there are multiple inaccurate and unverified items reporting on my credit files. I have disputed these items directly with the credit bureaus, but they continued to report information that they have not verified with any original documentation or proof of accuracy. 

Some of the accounts reporting are not mine, and I have not been provided with any signed contract, wet signature, or proof of permissible purpose. In addition to that, certain personal identifying information is incorrect and does not belong to me. I have repeatedly requested verification, and the bureaus have not validated anything. 

At this point, the credit bureaus are maintaining inaccurate and unverified information, which is causing harm to my credit profile and financial standing. I simply want all unverified, inaccurate, and unsupported items removed from my consumer reports so that my report reflects accurate information only.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I woke up this morning and saw that unauthorized inquiries are still appearing on my credit report, and I honestly do not understand why. The inquiries have not been removed at all even after I refreshed my browser, which is very upsetting. Please check the documents I sent right away so I can finally stop stressing over this.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Subject : Formal Notice and Request for Equitable Remedy and Recognition of Surety Status Dear Consumer Financial Protection Bureau Legal Division, I, XXXX XXXX XXXX, hereby submit this formal notice asserting my equitable rights to credit and my standing as the implied surety for my principal debtor in all related financial and credit matters. It is my understanding that, under principles of equity and subrogation, I am entitled to the equitable rights, remedies, and protections that attach to the
position of surety. As the equitable party in interest, I operate in good faith and seek proper recognition of these rights to ensure that no unjust enrichment, inequitable treatment, or misapplication of credit occurs in relation to my accounts or credit profile. 

I respectfully request that the CFPB and its legal team review my case and provide guidance or remedy consistent with the agencys mandate to ensure fairness, transparency, and equity within the credit and financial systems of the United States. This includes reviewing any potential administrative or institutional errors that XXXX have impaired my equitable access to credit or financial standing. 

Please confirm receipt of this correspondence and advise me of any additional documentation, identification, or procedural steps necessary to perfect my equitable claim and to obtain appropriate remedy under applicable law and administrative authority. 

This communication is made in good faith and without prejudice to any rights or remedies available at law or in equity. 

Respectfully, 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am very upset to see that these inaccurate accounts are still appearing on my credit report even after all my efforts. They were not removed, and it has caused me so much frustration. I am begging that the documents I attached be checked carefully so I can finally stop stressing over this issue.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am very upset to see that these inaccurate accounts are still appearing on my credit report even after all my efforts. They were not removed, and it has caused me so much frustration. I am begging that the documents I attached be checked carefully so I can finally stop stressing over this issue.

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 2025-11-07 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: American First Finance, Inc.
State: GA

Complaint narrative:
I wanted to buy a couch in XX/XX/year>. Weve found a couch we loved priced perfectly for what we was looking for. The couch was {$2100.00} I was told I could finance it when all said and done itll total {$2500.00}. Spoke to the seller about early buyout option and was never told if I didnt pick that option up I have to pay {$8100.00}! For a couch! I reach out in XXXX to see how much I owe and was told {$5000.00} plus! Ive made every payment on time since XXXX totaling {$2200.00} I was never made aware of a % XXXX interest rate! I would have never brought the couch, no one would! I dont even possess a contact never received one!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
There was a charge on my XX/XX/XXXX stmt for Fortiva Credit that I did not recognize for XXXX I looked back thru more stmt 's and found a charge from the same company on XX/XX/XXXX stmt for XXXX. I called Fortiva and reported fraud. They closed the account and issued me a new card, and reversed both charges which appeared on XX/XX/XXXX stmt. Today while online I noticed that the XXXX charge from XX/XX/XXXX was re-charged to my account on my XX/XX/XXXX stmt. I chatted into Fortiva, XXXX in a nutshell that based on the evidence they reversed the adjustment and referred me to the Fraud dept. I called Fraud, spoke to XXXX, he told me that my request for credit was declined and the charges were re applied because the investigator noticed that I had been logging onto my account several times, and never reported the charges. and the time had expired for me to report it. The said that a letter was sent to me explaining this. I never got a letter. Fortiva never reached out to the merchant to validate the charges. They told me to contact the merchant. I emphasized again that I had no idea who they were, and requested that they provide a phone or account number. XXXX XXXX a general number and gave it to me,. I called, and the merchant have no record for these charge. I want the charges reversed permanently or validated. This is terrible customer service. They never reached out to the merchant on my behalf to investigate, they put the owness on me, which is not acceptable. 
I spoke, XXXX, XXXX, and XXXX from the Fraud department, and they all told me that there was no fraud because I logged onto the website several times and didnt report anything. This is not true, I repeatedly stated fr the beginning that I saw the charge in XX/XX/XXXX, and I looked back through my statements and I saw another one in XX/XX/XXXX. Fortiva credit never attempted to reach out to the merchant to investigate. They gave me telephone number and told me to it. They are not willing to help me at all. They are treating me as if I did something wrong. I am insulted. When this is resolved, I am going to pay off all of the accounts that I have with this company and close the accounts. 
See charges below : Charge # XXXX XXXX XXXX XXXX DATE DESCRIPTION OF TRANSACTION AMOUNT XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$89.00} Charge # XXXX DATE POST DATE DESCRIPTION OF TRANSACTION AMOUNT XX/XX/XXXX XX/XX/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  Chargeback-TRANS DATE POST DATE DESCRIPTION OF TRANSACTION AMOUNT XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 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:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/year> I attempted to pay my XXXX mortgage and only had an option to pay XXXX and XXXX mortgages and another option to apply for mortgage assistance. I dont request mortgage assistance options because the last time I went through the process, I had to involve my abusive ex-husband. He owes me XXXX in back child support because he denies me financial assistance as a form of economic abuse. I have been displeased with Mr Cooper since my loan was transferred to them. The way they have been handling my loan has to be considered illegal and unfair business practices. I have been in my home XXXX  years and struggled paying my mortgage since I dont receive child support. Please look into XXXX XXXX unfair business practices by forcing their customers to pay without giving them the legal options of making payments.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting to formally dispute several inaccuracies appearing on my consumer credit file. Upon careful review, I have identified multiple items that contain errors in account balances, statuses, and reporting. These inaccuracies are affecting the overall accuracy of my credit profile, and I am requesting that they be properly investigated and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is my right under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611 ( a ) to have a credit profile that reflects truthful, verifiable, and accurate information. The presence of these errors undermines that accuracy. Therefore, I am requesting that the following information be investigated so that only accurate and verifiable data remains associated with my name and 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 explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting to formally dispute several inaccuracies appearing on my consumer credit file. Upon careful review, I have identified multiple items that contain errors in account balances, statuses, and reporting. These inaccuracies are affecting the overall accuracy of my credit profile, and I am requesting that they be properly investigated and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is my right under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611 ( a ) to have a credit profile that reflects truthful, verifiable, and accurate information. The presence of these errors undermines that accuracy. Therefore, I am requesting that the following information be investigated so that only accurate and verifiable data remains associated with my name and file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want this XXXX  mortgage account removed from my credit file, it was supposed to be removed since XX/XX/year> I have proof attached.

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 2025-11-07 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: FL

Complaint narrative:
XXXX XXXX is reporting an alleged credit-card account with a {$3300.00} charge-off and {$2300.00} shown as past due as of XX/XX/XXXX. I dispute this reporting as inaccurate and misleading. The record lists a {$2500.00} credit limit and shows the account opened XXXX XXXX XXXX and closed XX/XX/XXXX, but it contains no evidence of any disbursement, payment record, or transaction history supporting the reported balance. Multiple consecutive CO entries appear in the payment history with no explanation. I asked XXXX XXXX to identify the specific act, promise, or value it claims to have provided as consideration and to validate the balance and charge-off figures, but no verification was received. Because these entries are unsupported, I believe the account information is incorrect and must be corrected or removed 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 non-monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
XXXX XXXX is reporting an alleged credit-card account with a {$3300.00} charge-off and {$2300.00} shown as past due as of XX/XX/XXXX. I dispute this reporting as inaccurate and misleading. The record lists a {$2500.00} credit limit and shows the account opened XXXX XXXX XXXX and closed XX/XX/XXXX, but it contains no evidence of any disbursement, payment record, or transaction history supporting the reported balance. Multiple consecutive CO entries appear in the payment history with no explanation. I asked XXXX XXXX to identify the specific act, promise, or value it claims to have provided as consideration and to validate the balance and charge-off figures, but no verification was received. Because these entries are unsupported, I believe the account information is incorrect and must be corrected or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am submitting to formally dispute several inaccuracies appearing on my consumer credit file. Upon careful review, I have identified multiple items that contain errors in account balances, statuses, and reporting. These inaccuracies are negatively affecting the overall accuracy of my credit profile. 
CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information in my file, and under 611 ( a ), they must conduct a reasonable investigation of any disputed information. I am therefore requesting that these items be thoroughly investigated and removed if they can not be verified with proper documentation from the original creditors.

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