vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2025 Credit Control LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX RE : Formal Request for Debt Validation Under 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am writing in response to a collection notice received regarding an alleged debt that you claim I owe. I do not acknowledge this debt and am exercising my right under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) * *, to request * * full validation and verification * * of the alleged debt. 

Please provide all of the following information and documentation : 1. * * The name and address of the original creditor * *, and the original account number.

2. * * A full itemized breakdown * * of the debt, including : - Principal - Interest - Fees - Payments or credits applied 3. A * * copy of the original signed contract or agreement * * that created the debt.

4. A * * complete copy of the assignment or purchase agreement * * ( assignment contract ) that shows Credit Control LLC has the legal right to collect this debt, including the * * chain of custody * * from the original creditor to your company.

5. The * * date Credit Control LLC acquired the debt * *, and from whom.

6. * * Proof that the statute of limitations * * on this debt has not expired.

7. Proof of your * * authorization to collect debts in my state * * ( license or registration if required by law ).

8. Any * * verification provided to credit bureaus * * ( if youve reported this account ), and a statement of your intent regarding continued reporting. 

Until you provide the above information, you must * * cease all collection activities * *, including calls, letters, and any credit reporting, as required by federal law. 

Please note : This is not a refusal to pay, but a request for validation under the FDCPA. Be advised that I am keeping records of all correspondence regarding this matter and will not hesitate to report violations to the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney Generals office * *. 

I request that all future communication be in writing only. 

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 2025-09-23 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: NJ

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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Credit Recovery Consultants
State: LA

Complaint narrative:
Did not have my problem resolved during phone conversation. Did not have supervisor or manager interaction for corrections to be made.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute of fraudulent accounts that have appeared on my credit file. These accounts are not mine and were never authorized by me in any way. Their continued reporting is inaccurate, unfair, and causes unjust damage to my financial credibility.

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 2025-09-23 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: AR

Complaint narrative:
I am disputing the presence of unauthorized and inaccurate accounts on my credit file. I never opened or authorized these accounts, and I was not notified of their addition. To make matters worse, the details are being reported inconsistently across all three bureaus, which violates 15 U.S.C. 1681e ( b ) of the FCRA requiring credit bureaus to report only accurate information.

This also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, as well as 15 U.S.C. 1681g, which requires credit bureaus to provide full and accurate disclosures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I mailed a written request to TransUnion asking them to update my personal information and remove all incorrect or outdated name variations from my credit report. I specifically stated that the only correct name that should appear on my credit report is XXXX XXXX XXXX. 

Along with my request, I included a copy of my government-issued photo ID and a recent bank statement as proof of identity and name. Despite this, TransUnion sent me a response that still reflects multiple incorrect and outdated names on my credit file, directly contradicting the clear and specific instructions I provided. 

This failure to correct my personal information is not only inaccurate but is also affecting my credit and verification processes elsewhere. I am now forced to escalate this issue because my legal name is not being properly reflected.

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 2025-09-23 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
* * * I am filing this complaint against Comenity Bank for inaccurate and misleading credit reporting on multiple accounts. 

* * * I have three Comenity Bank accounts ( CB/NY & CO  XXXX XXXX, CB/LNBRYANT ) that were paid in full directly to Comenity Bank on XX/XX/year>. I have written confirmation from Comenity Bank showing a {$0.00} balance for each account. Despite this, the accounts continue to report as Charge-Off/Collection with {$0.00} balances across the credit bureaus. 

* * * Each credit bureau ( XXXX, XXXX, XXXX  ) is reporting these accounts differently, which creates conflicting and unreliable information about my credit history. The inconsistent and derogatory reporting is harming my ability to obtain housing, credit, and fair interest rates, despite the fact that these debts were satisfied more than two years ago.

Legal Basis : * * * FCRA 607 ( b ) : Requires credit reporting to be maximum possible accuracy. Reporting a paid account as a collection or charge-off without proof of charge-off and without evidence of third-party collection is inaccurate and misleading. 

* * * FCRA 611 ( a ) : Requires a reasonable reinvestigation when a consumer disputes information, and correction or deletion of information that can not be verified.

* * * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Entitles me to a description of the verification procedure, including the name and contact information of the furnisher and copies of records relied upon.

* * * FCRA 623 ( b ) : Requires furnishers to conduct a reasonable investigation after receiving a dispute and to promptly correct or delete information that is incomplete or inaccurate. 

* * * Metro 2 Reporting Standards : Require that once a charge-off is paid, it must report with Compliance Condition Code BP ( Paid, was a charge-off ) and must not report as an active collection unless it was placed with a third-party collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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 am submitting this complaint regarding multiple charge-off accounts, collections, and inquiries on my credit report that appear inaccurate or unverifiable. Upon reviewing my credit file, I noticed the following charge-off accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I am disputing the following inquiries on my report that I did not authorize or that appear inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX Under the Fair Credit Reporting Act ( FCRA ), 609 ( a ) ( 1 ), I am entitled to full disclosure of all information in my credit file, including the sources and methods used for reporting. Additionally, under 611, I have the right to dispute any information I believe to be incomplete, inaccurate, or unverifiable, and the credit bureau is required to conduct a reasonable reinvestigation within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple charge-off accounts, collections, and inquiries on my credit report that appear inaccurate or unverifiable. Upon reviewing my credit file, I noticed the following charge-off accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I am disputing the following inquiries on my report that I did not authorize or that appear inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX Under the Fair Credit Reporting Act ( FCRA ), 609 ( a ) ( 1 ), I am entitled to full disclosure of all information in my credit file, including the sources and methods used for reporting. Additionally, under 611, I have the right to dispute any information I believe to be incomplete, inaccurate, or unverifiable, and the credit bureau is required to conduct a reasonable reinvestigation within 30 days.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Day 13....... 

I have already filed a complaint with you guys but nothing was done. It's been 13 days since they've taken my money. 

{$15000.00} stolen and not returned. I am filing a lawsuit tomorrow, but would appreciate you guys following up and helping. 

This is the communication that I sent in response to their email they sent me today. 

" So you guys are just going to sit back and let this happen, and give my clients money to XXXX and let it be my problem??? 

And then XXXX XXXX from Executive Offices had the nerve to get nasty on the phone with me today after 13 days of this??? Like this mess is MY FAULT?!! 

XXXX XXXX said that you've been paid, so you're not waiting for this to clear. They said that's a lie. Its been clear and you have the money. They can't do anything, but support me in this lawsuit. 

XXXX and XXXX, you both know that I've asked HOW I can have my clients money returned, and you both know that they don't have an option for me to do this from the app. XXXX is also fully aware of the fact that XXXX XXXX doesn't have a way to return the funds. Then XXXX turns around today ( in her raised voice ) talking about she's monitoring the account to see when the money is returned. You know that no one is returning the money You also both know that PNC MERCHANT SERVICES has expressed that they don't know how to do this. 

So you guys are just gon na sit back and let them keep telling me to return the funds when it's impossible for me to do so??? 

You know that this is so wrong and so unfair. Words can't even express how much I regret doing business with PNC Bank. 

I'm not going to just let you guys steal this clients money. I'm not going to just go away. At this point I'm going to sue you for the damages you're causing. 

This continuous email that they keep sending me about returning the funds ( forwarded ), knowing that no one knows how to do this is not a light matter ''. 

This is theft! Unfair duress and stress. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681B AND 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. B. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. Please address this matter promptly and confirm the removal of the disputed entities.

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 2025-09-23 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681B AND 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. B. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. Please address this matter promptly and confirm the removal of the disputed entities.

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 2025-09-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple late payment entries reported on my credit file that appear inaccurate or unverifiable. Upon reviewing my report, I noticed the following accounts showing late payments that do not align with my records or appear inconsistent : XXXX XXXX XXXXXXXX Open date : XX/XX/XXXX, Current payment status : As AgreedXXXX XXXX XXXX XXXXXXXX Late 30 days : XX/XX/XXXX, Late 60 days : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late 30 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX ; Late XXXX  days : XX/XX/XXXX, XX/XX/XXXX, XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX ; Late XXXX  days : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX The sheer number and overlap of these late payments raise concerns regarding their accuracy and verification.Under the Fair Credit Reporting Act ( FCRA ), 609 ( a ) ( 1 ), I am entitled to full disclosure of all information in my credit file, including the sources and methods used for reporting. Additionally, under 611, I have the right to dispute any information I believe to be incomplete, inaccurate, or unverifiable, and the credit bureau must conduct a reasonable reinvestigation within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple late payment entries reported on my credit file that appear inaccurate or unverifiable. Upon reviewing my report, I noticed the following accounts showing late payments that do not align with my records or appear inconsistent : XXXX XXXX XXXXXXXX Open date : XX/XX/XXXX, Current payment status : As AgreedXXXX XXXX XXXX XXXXXXXX Late 30 days : XX/XX/XXXX, Late 60 days : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late 30 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX ; Late XXXX  days : XX/XX/XXXX, XX/XX/XXXX, XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX ; Late XXXX  days : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX The sheer number and overlap of these late payments raise concerns regarding their accuracy and verification.Under the Fair Credit Reporting Act ( FCRA ), 609 ( a ) ( 1 ), I am entitled to full disclosure of all information in my credit file, including the sources and methods used for reporting. Additionally, under 611, I have the right to dispute any information I believe to be incomplete, inaccurate, or unverifiable, and the credit bureau must conduct a reasonable reinvestigation within 30 days.

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