vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency Sunrise Credit Service has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under XXXX U.S.C. XXXX ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt XXXX from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial
State: IN

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX and XXXX, requesting a reinvestigation and deletion of an inaccurate or unverified account that is appearing on my credit report. 

I believe this account is inaccurate, incomplete, or unverifiable. I have no record, documentation, or contractual agreement supporting this debt, and it may be the result of an error or identity misuse. 
I understand that the FTCs XXXX system is currently unavailable due to the federal government shutdown, which prevents consumers from generating or submitting an FTC Identity Theft Report. Because of this, I am proceeding under my FCRA rights to dispute and request deletion of unverifiable data directly through this CFPB complaint. 

Under XXXX U.S.C. XXXX ( a ), the credit bureau is required to conduct a reasonable reinvestigation and delete or correct any information that can not be verified within XXXX  days. 

Under XXXX ( b ), the furnisher of the information is also required to investigate and update or remove any data found to be inaccurate or incomplete. 

Please provide : The name and contact information of each furnisher used to verify this account ; and Copies of any documentation used to verify the accounts accuracy. 
If the account can not be verified within the required timeframe, it must be deleted from my credit file. Failure to comply will be considered a violation of federal law and may result in formal follow-up complaints with the CFPB, FTC, and my state attorney generals office once federal operations resume. 
Thank you for your prompt attention. I request written confirmation of your findings and an updated report reflecting the results of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
According to 15 USC 1681 c-2 and 1681s-2 you have broken the law by reporting this information on my report knowing its inaccurate. Remove this fraudulent information from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: WI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: LA

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 2025-11-04 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: NC

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 non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

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 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 2025-11-04 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: NY

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 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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
On XX/XX/year>, I sent Midland Credit Management a formal Debt Validation Request pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 809 ( b ) ). My request specifically demanded : A signed agreement or application bearing my name ; A complete accounting ledger showing all charges, payments, fees, and interest ; A documented chain of title/assignment proving Midlands legal authority to collect ; Proof of current Michigan licensing as required under MCL 339.901 et seq. 
To date, Midland has failed to provide any of the above. On XX/XX/year> I submitted a XXXX complaint. Midland responded twice on XX/XX/year> and XX/XX/XXXX, XXXX generic account summaries and isolated XXXX billing statements. These documents do not establish ownership, balance accuracy, or standing to collect. 
Midlands claim that case law requires only documentation establishing the amount owed is misleading. Courts have consistently held that debt validation must be sufficient to assure the consumer that the collector is pursuing the right person for the right amount. A single billing statement does not meet this standard. 
Midland further asserted that my cease-communication request relieved them of their duty to validate. This is incorrect. FDCPA 805 ( c ) limits communication, but it does not excuse a collectors validation obligations if it continues to report or collect. Midland continues to furnish data to XXXX XXXX XXXX XXXX triggering ongoing duties under both the FDCPA and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 623 ( a ) ( 1 ) ( A ) ) to ensure accuracy and verifiability.

Finally, Midland claims to be licensed in every state which requires such licensing, yet refuses to provide proof. Under the Michigan Occupational Code ( MCL 339.901 et seq. ), collection agencies must be licensed through XXXX. Their refusal to produce this documentation raises serious concerns about their legal authority to collect in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: AL

Complaint narrative:
Make sure disputed accounts are addressed and deleted per legal time limits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CA

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 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 2025-11-04 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: CA

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-04 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
I am following up on a previous complaint I filed regarding several late payments being inaccurately reported on my credit file. I submitted documentation and explanations showing that these reports were incorrect and requested a proper reinvestigation, yet the same late payment entries remain. It feels as though my evidence and concerns were not given the attention they deserved, or that my case was prematurely closed without full review. 

These inaccuracies continue to harm my creditworthiness and misrepresent my payment history, painting an unfair and inaccurate picture of my financial reliability. Ive always taken my credit obligations seriously, which is why this situation has been so deeply frustrating. I understand that the Fair Credit Reporting Act requires that every piece of information reported be accurate and that furnishers and bureaus alike maintain procedures to ensure that accuracy. When that doesnt happen when errors persist after a legitimate dispute it leaves consumers like me powerless, with no choice but to keep asking for what should have already been corrected.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
Disputed Accounts XXXX XXXX Account # XXXX, reported XX/XX/XXXX, balance {$1100.00} This account is inaccurately reported. I have no verified contract or documentation from the furnisher supporting this debt. Requesting verification or deletion. 

XXXX XXXX XXXX Account # XXXX, reported XX/XX/XXXX, balance {$2100.00} This is not a verified account. I do not recall establishing an account or authorizing this debt. Please provide validation or remove it. 

XXXX XXXX  Account # XXXX, reported XX/XX/XXXX, balance {$0.00} I never authorized or entered into any agreement with a company by this name. This appears to be a fraudulent or misattributed entry. Request immediate deletion. 

XXXX Account # XXXX, reported XX/XX/XXXX, balance {$2200.00} The status and payment history on this account are inaccurately reported and unverifiable. Please conduct a full investigation and provide supporting documentation or remove the account. 

Disputed Inquiries XXXX XXXX Inquiry dated XX/XX/XXXX This inquiry was not authorized by me and was not related to a credit application I initiated. Please remove as an unauthorized hard inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I received XXXX XXXX transactions in a total of {$2000.00} from someone ( I will call her A ) I don't know. A person who previously owed me money ( I will call her B ) told me stated that A was returning me my money on behalf of her ( B ). Because I previously suspected B as a scammer who scammed me money, which I already filed a police report as well as an FTC report on, I suspected these XXXX transactions might be suspicious. So I took screenshots of them, did not move any money from my account, and contacted the XXXX detective working with me on the police report, and let him know that I received these XXXX suspicious XXXX transactions even they ought to be my money returning to me, because they come from A, who I do not know. 

On XXXX, I found I was not able to XXXX out any money from my checking account at all. I contacted Chase fraud, and got confirmation that A filed a claim on me stealing her money, so they froze my checking account for any outgoing transaction.I let Chase know that I am also a victim ( with XXXX police report ), B is still owing me a lot of money, and I don't know A at all, I can not control whether to accept the XXXX transfer from her, as every XXXX user knows. My salary was all in that checking account, I needed to use those money to pay off my rent, living expenses, credit card bills, etc. The Chase fraud agent was not helpful, told me to wait for their internal investigation of who knows how long, and refused to provide any information on that. 

On XXXX, I sat with a Chase private client agent in person, and called Chase Fraud again, to try to request any proof that my account was frozen, since I need evidence to show to the business entities that I need to pay bills to, as well as to prepare for potential credit risk. Chase Fraud refused to provide anything again, told me to try to contact A by myself ( I said I did not know A, and I said that again, they still told me to do that!!! ). Finally the private client agent printed me my account summary, showing that I came to the branch and talked to him in person on XXXX, and claimed that he tried to inform the back end team to escalate this investigation on me. 

So in the end, my checking account with all my salaries got frozen by Chase because someone I don't know XXXX me her money, I am losing access to my essential funds to pay off my living expenses and house rent for who knows how long, and Chase refuses to provide me with any proof that they have frozen my account.

Company response to consumer: Closed with explanation