vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-01 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-01 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-08-01 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litgation for defamation of character ) XXXX XXXXXXXX XXXX balance {$0.00}, XXXX XXXX XXXX balance {$0.00}, XXXX XXXX  balance {$720.00}XXXX XXXX XXXX XXXX balance {$13000.00}, XXXX XXXX Balance {$400.00}, XXXX XXXX XXXX  balance {$1300.00}, XXXX XXXX XXXX XXXX {$620.00}, XXXX XXXX XXXX balance {$800.00}, XXXX XXXX XXXX balance {$430.00}, XXXX XXXX XXXX  balance {$450.00}, XXXX XXXX XXXX  balance {$470.00}XXXX XXXX XXXX XXXX balance {$430.00}, XXXX XXXX XXXX balance {$1300.00}

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 non-monetary relief
Consumer complaint received 2025-08-01 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: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-01 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: OH

Complaint narrative:
This letter serves as a formal dispute and validation request regarding the alleged debt referenced in your recent communications. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and the Consumer Financial Protection Bureau 's regulations at 12 CFR 1006.34, I hereby demand immediate validation of the debt you claim I owe.

Your previous communication fails to comply fully with statutory validation requirements as established by Chaudhry v. Gallerizzo, 174 F.3d 394 ( 4th Cir. 1999 ), which mandates clear, concise, and complete validation information.

Specifically, you must provide : The identity and address of the original creditor pursuant to 15 U.S.C. 1692g ( a ) ( 5 ).

A comprehensive itemization of the debt, detailing all principal, fees, interest, and other charges as required under 12 CFR 1006.34 ( c ).

Verification documents proving my obligation and the accuracy of the claimed debt in accordance with Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 698 F.3d 290 ( 6th Cir. 2012 ).

Please be advised, if you fail to fully validate this debt as requested within the statutory 4 -day validation period, you must cease all collection activities immediately as stipulated by 15 U.S.C . 1692g ( b ) and remove any adverse reporting to credit bureaus per Johnson v. MBNA Am. Bank, N.A., 357 F.3d 426 ( 4th Cir. 2004 ). 

Your prompt attention to this matter is mandatory under federal law. Non-compliance will result in appropriate legal action to enforce my rights under the FDCPA.

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 2025-08-01 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: OH

Complaint narrative:
This letter serves as a formal dispute and validation request regarding the alleged debt referenced in your recent communications. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, and the Consumer Financial Protection Bureau 's regulations at 12 CFR 1006.34, I hereby demand immediate validation of the debt you claim I owe. 

Your previous communication fails to comply fully with statutory validation requirements as established by Chaudhry v. Gallerizzo, 174 F.3d 394 ( 4th Cir. 1999 ), which mandates clear, concise, and complete validation information.

Specifically, you must provide : The identity and address of the original creditor pursuant to 15 U.S.C. 1692g ( a ) ( 5 ).

A comprehensive itemization of the debt, detailing all principal, fees, interest, and other charges as required under 12 CFR 1006.34 ( c ).

Verification documents proving my obligation and the accuracy of the claimed debt in accordance with Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 698 F.3d 290 ( 6th Cir. 2012 ).

Please be advised, if you fail to fully validate this debt as requested within the statutory 4 -day validation period, you must cease all collection activities immediately as stipulated by 15 U.S.C . 1692g ( b ) and remove any adverse reporting to credit bureaus per Johnson v. MBNA Am. Bank, N.A., 357 F.3d 426 ( 4th Cir. 2004 ).

Your prompt attention to this matter is mandatory under federal law. Non-compliance will result in appropriate legal action to enforce my rights under the FDCPA.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems is reporting a collection for an apartment lease ( XXXX XXXX XXXX XXXX  ) which is unverified and inaccurate. I have disputed this account and they have failed to provide supporting lease documentation or proof of assignment. 

Violations : 1681e ( b ) and 1681s-2 ( b ) 1681i ( a ) ( 5 ) ( B ) for failure to verify UCC 3-501 & 3-505 for lack of original documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I initiated a dispute with XXXX  concerning the Capital One credit card accounts ending in XXXX and XXXX, which were inaccurately reported on my XXXX  credit report dated XXXX XXXX, which I received by mail. The report incorrectly indicated a past-due balance, failed to provide a closing date, and presented an inaccurate high balance, despite my voluntary closure of both Capital One credit card accounts on XX/XX/XXXX. 

I have encountered difficulties with XXXX XXXX investigation regarding my dispute about the closed Capital One accounts ending in XXXX and XXXX, which continues to display erroneous information. Furthermore, I did not receive any notification from XXXX regarding the status or results of the investigation related to my dispute submitted on XX/XX/XXXX, concerning the closed accounts. Consequently, on XX/XX/XXXX, I formally contacted XXXX  to request an update on my Capital One dispute filed on XX/XX/XXXX, and asked for a mailed copy of the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
This inaccurate charge-off is causing significant harm to my credit profile, and I have been unable to get assistance directly from the creditors. I respectfully request that your office investigate this matter and assist in having this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
A fraudulent account is being reported under my name on my credit report. I have never had any dealings with the creditor listed and did not initiate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: VA

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( XXXX ), and citing direct violations confirmed by the XXXX XX/XX/XXXX lawsuit against XXXX XXXX XXXX } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { XXXX XXXX } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of XXXX - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations American XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { XXXX XXXX XXXX } Lawsuit Reference This is not isolated. The CFPB filed suit against XXXX XXXX XXXX XXXX } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I haven't sent the following information and they have failed to verify the debt. In addition attempting to collect more than owed. They are reporting but claim that the collection is placed with another office not their own and is being reported more than once on my credit records.

They have not shown me proof that I owe the debt, they have not shown they legally can collect the debt.

Regarding the alleged account in my name. I am writing to formally request, again, full validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). While you claim a validation letter was sent on XX/XX/year>, I do not recall receiving such a letter, and your record of sending itwithout proof of actual deliveryis not sufficient. Therefore, I am requesting another copy of the full validation documents be sent immediately. Additionally, please provide : 1. Your legal right to collect this debt, including all documentation establishing a complete chain of title from the original creditor to Midland Credit Management , XXXX. This includes copies of any bills of sale or assignments, along with dates and relevant account information tying this alleged debt specifically to me. 2. A copy of the original contract bearing my signature, if it exists, and documentation of how the original balance of {$900.00} has now increased to {$1100.00}. Please explain what specific charges, interest, or fees have been added and under what authority. 3. A clear explanation as to why both Midland Credit Management and the original creditor are reporting the same alleged debt to credit bureaus. This may constitute duplicate reporting, which is misleading, potentially inaccurate, and a violation of the FCRA. 4. Since you state the debt is now placed with XXXX, XXXX, XXXX, XXXX, I ask for clarification on why Midland Credit continues to report the alleged debt to credit bureaus if another party is pursuing it. You can not assign or outsource the debt to another party and still claim direct ownership for reporting purposes. Furthermore, I must remind you that the statute of limitations for most consumer debts in Alabama is three ( 3 ) years, depending on the debt type. This alleged debt is outside that timeframe, then collection effortsincluding court actions or credit reportingmust cease immediately, and I request all entries be removed from my credit reports with XXXX XXXX XXXX, and XXXX. Unless and until you provide full and complete validation as requested above, you are required by law to cease all collection activity and must not report or re-report this alleged debt to any credit reporting agency. Please respond within 30 days of the receipt of this letter. This is a formal request under the FDCPA and FCRA. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief