vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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 am submitting this complaint regarding a fraudulent account that appears on my credit report. This account was opened without my authorization and is the result of identity theft, as confirmed in my FTC Identity Theft Report dated XX/XX/XXXX. 

The fraudulent account is as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Legal Violations XXXX. Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX & XXXX Under the FCRA, I have the right to dispute inaccurate or fraudulent information on my credit report. Upon receiving my dispute, the credit reporting agencies must conduct a reasonable investigation and remove unverifiable or fraudulent information. 
XXXX. Fair and Accurate Credit Transactions Act ( FACTA ) XXXX XXXX. XXXX ( a ) FACTA requires the prompt blocking of information resulting from identity theft upon receiving proof such as an FTC Identity Theft Report. 
XXXX. Identity Theft and XXXX XXXX XXXX XXXX XXXX. XXXX The unauthorized use of my personal information for fraudulent purposes is a federal crime. Continuing to report this account after being notified constitutes willful noncompliance. 
Requested XXXX I request that the CFPB require the credit bureaus and XXXX XXXX XXXX to : XXXX. Immediately and permanently delete the fraudulent account from my credit reports with all credit bureaus. 
XXXX. XXXX the reappearance of this account as required under XXXX. 
XXXX. Provide written confirmation of the deletion and corrective actions taken. 
XXXX. Ensure no further collection attempts or credit reporting occur related to this fraudulent account. 

Failure to take corrective action XXXX result in further legal remedies under the FCRA, XXXX, and other applicable consumer protection laws. 

Attached : FTC Identity Theft Report ( FTC Report XXXX XXXXXXXX ) Sincerely, 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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Account Midland Credit Managemen # XXXX I'm unaware of this debt and did not have the opportunity to dispute account. if you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not, please delete account # XXXX from each bureau reporting these charges as soon as possible or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NM

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable account on my credit report. Under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ), the bureau is required to conduct a reasonable reinvestigation within XXXX  days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as XXXX  ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA XXXX ( b ) / XXXX XXXX. XXXX ( b ). In XX/XX/2025, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. The CFPB concluded that superficial or automated procedures fail to meet the FCRAs reinvestigation standard. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed item without proof. 
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 2025-07-30 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-07-30 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: TX

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts frain my report, they are hurting my ability to obtain credit.

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 2025-07-30 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: CBC Companies, Inc.
State: MO

Complaint narrative:
I am filing this complaint against Innovis for failing to remove a fraudulent XXXX XXXX account and other inaccurate personal information from my credit file following my formal dispute. Innovis only updated the date last reported without verifying or validating the actual account details, which violates their obligations under the Fair Credit Reporting Act ( FCRA ). 

The account in question is : Creditor : XXXX XXXX Account # : ending in XXXX Balance : {$1300.00} Date Opened : XX/XX/year>2023 Status : Collection This account is fraudulent. I did not authorize or open it. It includes no payment history and shows conflicting information, being listed as both closed and in collections. These are serious reporting errors. This account must be deleted immediately. 

The following inaccurate personal data must also be removed : 1. Address : XXXX XXXX XXXX XXXX, XXXX, MO XXXX I have never lived at this address. 
2. Phone Numbers : Any number not belonging to me must be deleted. My correct number is XXXX. 
3. Employment Information : Any employer not directly provided or verified by me must be removed. 

My Social Security number is correct and should remain unchanged. Innovis is in violation of 15 USC 1681e ( b ) and 1681i ( a ). I am requesting the CFPB require Innovis to delete the fraudulent XXXX account and all other incorrect data listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Capital One business account under my name, XXXX XXXX, was suddenly closed after a so-called audit, even though no fraudulent or suspicious activity was found. 

The bank is currently holding {$7000.00} in funds without releasing it to me, even though I have not been accused of any wrongdoing. These are funds I need immediately for business operations. 

In addition, a separate {$4700.00} check was mailed to an old address in XXXX XXXX, even though I updated my address with Capital One on XX/XX/year>2025, and confirmed the update through my online account. 

When I requested a cancellation and reissuance of the check to my current address in XXXX, I was told it could take up to 30 dayswhich is unacceptable as this is my own money.

Capital One has refused to provide a written explanation for the account closure, the audit findings, or an exact timeline for release of my funds.

I am now without access to over {$12000.00}, all of which I rightfully own. I am requesting : 1. Immediate reissuance of the {$4700.00} check to my correct address.

2. Immediate release of the {$7000.00} held during the audit.

3. A full written explanation of the closure and audit findings.

These delays are creating a financial emergency and disrupting my ability to live and run my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I disputed the account shown in collection in XXXX. They refuse to remove it from my report. The debt was included in my bankruptcy totaling {$490.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: WI

Complaint narrative:
I am writing to formally dispute several fraudulent accounts that have been opened in my name as a result of identity theft and fraud. According to Section 605B of the Fair Credit Reporting Act, I am requesting that these accounts be investigated and subsequently removed from my credit report. The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l have not authorized the opening of these accounts, nor have I received any statements or correspondence regarding them. I request that you conduct a thorough investigation into these accounts and provide me with the results as soon as possible. I also ask that you remove these fraudulent entries from my credit file. Enclosed are copies of my identification and any relevant documents that support my claim of identity theft. 
Please confirm receipt of this letter and advise me on the next steps in this process.

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 2025-07-30 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: WI

Complaint narrative:
I am writing to formally dispute several fraudulent accounts that have been opened in my name as a result of identity theft and fraud. According to Section 605B of the Fair Credit Reporting Act, I am requesting that these accounts be investigated and subsequently removed from my credit report. The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l have not authorized the opening of these accounts, nor have I received any statements or correspondence regarding them. I request that you conduct a thorough investigation into these accounts and provide me with the results as soon as possible. I also ask that you remove these fraudulent entries from my credit file. Enclosed are copies of my identification and any relevant documents that support my claim of identity theft. 
Please confirm receipt of this letter and advise me on the next steps in this process.

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 2025-07-30 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 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 2025-07-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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:
XXXX XXXX XXXX XXXX  XXXX charged off a debt in XXXX, but I never received a 1099-C form for canceled debt. This may result in IRS filing issues and inaccurate tax reporting. 1099-C is required reflecting the cancellation of debt as required under 26 U.S. Code 6050P.

According to this law, any financial institution, government entity, or creditor that cancels a debt of {$600.00} or more must issue Form 1099-C to the debtor and file a copy with the IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
This communication serves as a follow up to the initial communication on XX/XX/XXXX with XXXX XXXX, XXXX XXXX XXXX who assured me after verbally gathering my information for the hardship forbearance, that I was approved and she gave me the end of forbearance date being in XX/XX/XXXX. Please refer to the recorded phone call where I can clearly be heard giving her all information needed, that she refused to report ethically. She also did not communicate with me the forbearance was not approved on XX/XX/XXXX. XXXX would have had to given me the reason why, which would mean shed have to admit that she did not document thoroughly the information I communicated to her. She was given the reason for the hardship and she chose not to disclose it to the approving committee. I also asked several times to place the request in writing, and I offered to send the supporting documentation via email : insurance claims, doctors notes and the information that was sent to the previous loan holder. XXXX declined, assuring me we can do it over the phone and its the same. XXXX also informed me if at the end of the forbearance date I was not able to make the payment, then I just needed to call to see what other options were available. 

After speaking with XXXX XXXX today, XX/XX/XXXX, I was informed that I was not approved for the forbearance because XXXX XXXX did not include the pertinent information about WHY the hardship occurred : car accident ( no fault of mine ), removal from work by my primary care physician in XX/XX/XXXX and fighting a legal battle several years long to obtain guardianship of an immediate family member that began in XXXX. I returned to work in XX/XX/XXXX. I was only prompted to call today after receiving communications from strangers regarding a foreclosure. 

XXXX also informed me about my hardship assistance request from my previous company ; he said from XX/XX/XXXX. I actually made the request initially from XXXX in XX/XX/XXXX, then again in XX/XX/XXXX because the request went ignored. Both requests were sent via email along with all supporting documentation. ( Emails can be produced ). 

I am a licensed medical practitioner who unfortunately has had to deal with temporary financial hardship and events out of my control. I returned to work in XX/XX/XXXX. I am capable of recovering financially and fulfilling my obligations with the home. 

I am requesting for XXXX XXXX Mortgage to not only hold XXXX XXXX XXXX for her failure to do her job, but to also ensure that I will be treated fairly and ethically for a positive outcome.

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