vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief. 


CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency , block and remove 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 a few Personal credit card accounts. 
Account name : XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Account name : XXXX Date opened : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Date opened : XX/XX/XXXX These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC.
State: NE

Complaint narrative:
I have a debt ( a bill ) that I owe to Progressive and they sold my account to Caine and Weiner. Now Im getting repeating phone calls on a daily basis from them. They do not identify themselves if I answer the phone, they do not leave a voicemail, and they keep calling me from different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NJ

Complaint narrative:
I am writing to dispute inaccurate reporting by DPT EDXXXX which has been reported as late on my credit report. This information is incorrect, as I have made my payments on time. I was never late on any account on my credit report. They need to prove this with documents and any proof have because this is absurd. If the credit bureaus can not prove this then please remove this inaccurate report. Additionally, under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure the accuracy of the information they report. Please investigate and remove the late payments. Also did not consent to unauthorized inquiry. I demand that you take the following actions within 30 days of receiving this letter : Conduct a thorough reinvestigation of the disputed information. Remove all inaccurate, incomplete, or unverifiable information 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
Product : Prepaid card Company : InComm XXXX XXXX ( issuer of Vanilla VisaXXXX gift cards ) What Happened : I purchased a {$500.00} Vanilla Visa/XX/XX/XXXX gift card . The card was blocked immediately after purchase, and Vanilla claimed they would send a replacement card. Despite submitting multiple XX/XX/XXXX( Verification of Address ) and contacting customer support many times over more thanXX/XX/XXXX days, no replacement card has ever been delivered and I have been given no access to my funds. 
Timeline : XX/XX/year> Called Vanilla; told replacement card would arrive ; instructed to wait until XXXX. 
XX/XX/year> Submitted XXXX ; told card would be sent to address ending in XXXX. 
XX/XX/year> Submitted additional XXXX; told replacement was coming. InComm acknowledged receipt of XXXX documents XX/XX/year> Submitted a XX/XX/XXXXXXXX ; no card received. Same information each time, takes XX/XX/XXXX days to verify!!! 
XX/XX/year> XXXX cXX/XX/XXXXe XXXX added ; still no card.Refused a refund. Said I must have a replacement Card to get a refund. 
XX/XX/year> XXXX cXX/XX/XXXXe XXXX XXXX ; still no card. Refused a refund. Said I must have a replacement Card to get a refund. 
XX/XX/year> XXXX cXX/XX/XXXXe XXXX and then XXXX XXXX ; still no card. Refused a refund. Said I must have a replacement Card to get a refund. 
More than XX/XX/XXXX days have passed with no replacement card and no refund. Vanilla is unlawfully holding my prepaid funds. 
This violates : CFPB Prepaid Rule ( XXXX XXXX XXXX XXXX XXXX ) Regulation XXXX ( failure to allow consumer access to prepaid funds ) Requirements for timely replacement or refund I am requesting the CFPB require InComm to immediately refund the {$500.00} or deliver the replacement card. 
Requested Resolution : Full refund of {$500.00} by check or electronic deposit, or immediate issuance of a replacement card by trackable delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
XXXX XXXX has reported a debt collection on my credit report. The debt does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: MD

Complaint narrative:
I am disputing the following charged-off accounts and inquiries on my Equifax credit report. 

Charged-Off Accounts : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX  XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$41000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} Inquiries : XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: HW Holding, Inc
State: WA

Complaint narrative:
Collection report sent to me while in XXXX in XX/XX/year>. Debt validation letter was sent to collection agency. Agency did not respond but collection still remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
WAKEFIELD amp ASSOCIATES is falsely reporting on my credit. I have never had any accounts with them. Per my research WAKEFIELD amp ASSOCIATES is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: MO

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} TransUnion ( TU ) : XXXX  Date Opened : XX/XX/XXXX TransUnion ( TU ) : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXXXXXX XXXX XXXXXXXX - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EXPERIAN continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal 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 2025-11-13 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: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a complaint against XXXX and LVNV Funding for inaccurate, conflicting, and unlawful credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

Both companies are furnishing contradictory information to the credit bureaus regarding the same alleged account, which makes the tradelines unverifiable and legally noncompliant. 

My information : Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX : XX/XX/XXXX SUMMARY OF THE ISSUE XXXX and LVNV Funding are reporting conflicting, incomplete, and inaccurate data to XXXX, XXXX, and XXXX. Their reporting contains contradictions in account status, payment history, dates, and original creditor information. 

Because the furnishers can not provide accurate, consistent, or complete data, I am requesting deletion of both tradelines. 

DETAILS OF VIOLATIONS Conflicting account statuses XXXX XXXX XXXX XXXX  : Charged Off Account XXXX  : Purchased by Another Lender XXXX  : Purchased by Another Lender These statuses can not both be true, violating FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 

Conflicting payment histories XXXX  shows multiple late payments ( XXXX days ) and a charge-off. 
XXXX  and XXXX  show no payment history at all ( NR ).

This violates FCRA 607 ( b ) and 609 ( a ) ( 2 ). 

Different dates of last activity XXXX  lists last activity as XX/XX/XXXX. 
XXXX  lists XX/XX/XXXX. 
Experian lists different data entirely. 
This violates FCRA 611 ( a ). 

Chain-of-title inconsistencies XXXX allegedly sold the account, but continued reporting derogatory activity after the alleged sale date. Once a debt is sold, the original creditor must report a {$0.00} balance and Sold/Transferred. 

This violates FCRA 623 ( a ) ( 2 ) and 623 ( a ) ( 5 ). 

LVNV Funding reports two different original creditors XXXX  lists the original creditor as LVNV Funding LLC. 
XXXX  lists XXXX XXXX XXXX. 
Furnishers must report the true original creditor. 
This violates FCRA 623 ( a ) ( 1 ) ( A ). 

ACTIONS I HAVE ALREADY TAKEN I submitted disputes to : XXXX  XXXX  XXXX  XXXX ( XXXX Direct Dispute ) LVNV ( XXXX Direct Dispute ) The issues were not corrected, and the reporting remains inaccurate and conflicting. 

WHAT I AM REQUESTING I am requesting the CFPB to : Investigate both XXXX and LVNV Funding. 

Require deletion of both tradelines, as they are unverifiable due to conflicting data. 

Require both furnishers to correct their procedures to comply with FCRA accuracy standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-13 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: Source Receivables Management LLC
State: CA

Complaint narrative:
Account Name : Source Receivables Management Account Number : XXXX Date Opened ( Reported ) : XX/XX/year> Balance : {$970.00} To Whom It May Concern, I am writing to dispute the above referenced collection account as fraudulent, inaccurate, and not authorized by me in any way. I have never opened an account, received services, signed any contract, or conducted any business with Source Receivables Management or with any original creditor they claim to represent. 
This account does not belong to me and appears to be the result of identity theft or incorrect data reporting. 

They claim that I have a phone number related to them, but my phone number is XXXX prior to that number it was XXXX my email address is XXXX, XXXX or XXXX ( connected To XXXX  ) not XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX CA, which is on my License. 

mine of these are connected to the account referenced. I need this removed from my credit report as soon as possible. I never done business with XXXX XXXX the company they are claiming to represent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
I am sending this complaint to Experian regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I opened a credit card account around XX/XX/XXXX and without notice they closed it 2 weeks later. I called XX/XX/XXXX and the phone rep was insane provide me an answer as to what closed the account. I received a letter saying I was a risk of not paying on the account. How can they determine that without sending a single bill.

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 2025-11-13 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: LA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
Fair Collections & Outsourcing ( FCO ) is reporting collection account # XXXX on my credit reports. I have requested validation twice, and they have not provided any documentation. 
My first certified letter requested the Date of First Delinquency, Date of Last Payment, full Chain of Assignment, and proof that the debt belongs to me. FCO never responded. 
I then sent a second certified letter on XX/XX/2025, again requesting validation. They still have not responded, yet they continue to report and collect on the account. 
Their refusal to validate the debt while continuing to report it violates my rights under the FDCPA and the FCRA. Their actions have caused harm to my credit, my ability to obtain credit, and my time and resources.

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