vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I noticed that Midland Credit is reporting this account incorrectly on my credit file. The account shows different STATUSES across bureaus ( open with XXXX, closed with experian, and it still reflects dispute remarks, although I requested validation and resolution. The account balance, payment status, and reporting dates are inconsistent. This inaccurate reporting violates the FAIR CREDIT REPORTING ACT ( FCRA ) as it reflects incomplete and misleading creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
Dear CFPB, I am submitting this complaint to report inaccurate personal information found on my credit report With Equifax, Transunion, and Experian, and to request assistance in having it removed under my rights provided by federal credit laws, I have previously reported this error to the 3 main Credit Bureaus, and it has yet to be removed!

Recently, I applied to lease a house, and as part of that process, the property management company performed a credit check. Upon reviewing my credit report, I discovered that it contained incorrect personal information. Specifically, I noticed incorrect information, such as an unknown address, employer, or name variation that does not belong to me and is completely unrelated to my personal or financial history.

I believe this inaccurate information may have resulted from a reporting error or a possible file mix-up, or possible identity theft. It is important that my credit file accurately reflects my identity and history, especially when being evaluated for housing.

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 2025-07-09 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-09 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: MS

Complaint narrative:
On XX/XX/XXXX a letter was sent out to the credit agencies to dispute inaccurate information on my report l. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that Experian was sued by the CFPB? 

Below I have a few items that are inaccurate, by law I am allowed to dispute anything that I feel is erroneous and not 100 % accurate. 

Inaccurate items that should be investigated and deleted : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian was sued for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers, this can easily be your company. 

Please investigate these accounts and I wish the outcome to be removed from my credit file and not placed back due to inaccurate reporting. 

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 non-monetary relief
Consumer complaint received 2025-07-09 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: AZ

Complaint narrative:
Iam disputing the way XXXX XXXX is being reported by Experian and XXXX XXXXXXXX issued a XXXX for over {$11000.00} in canceled debt, which I claimed on my taxes as required by the IRS. Therefore, the debt is forgiven and no longer legally owed. 

Despite this, both Experian and XXXX continue to report the account as charged-off with a derogatory status and outstanding balance, which is inaccurate and damaging. 

TransUnion has already updated their reporting accurately, showing a {$0.00} balance and marking the account as paid in full was a charge-off. I am simply requesting that the other bureaus reflect the same correction. 

I provided documentation in my disputes, and despite that, XXXX and Equifax continue to report the account inaccurately. I was just denied a loan due to this, and my score is now only 611. This is unfair and harmful.

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 2025-07-09 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: AZ

Complaint narrative:
Iam disputing the way XXXX XXXX is being reported by XXXX and Equifax. XXXX issued a XXXX for over {$11000.00} in canceled debt, which I claimed on my taxes as required by the IRS. Therefore, the debt is forgiven and no longer legally owed. 

Despite this, both XXXX and Equifax continue to report the account as charged-off with a derogatory status and outstanding balance, which is inaccurate and damaging. 

XXXX  has already updated their reporting accurately, showing a {$0.00} balance and marking the account as paid in full was a charge-off. I am simply requesting that the other bureaus reflect the same correction. 

I provided documentation in my disputes, and despite thatXXXX XXXX and Equifax continue to report the account inaccurately. I was just denied a loan due to this, and my score is now only 611. This is unfair and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: VA

Complaint narrative:
I recently reviewed my credit report and noticed i had fraudulent accounts on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
LEGAL DEMAND FOR REMOVAL OF FRAUDULENT ACCOUNT UNDER FCRA 605B / 15 U.S. Code 1681c2 To Whom It May Concern, This letter serves as a formal and final notice to Experian to immediately block and remove the fraudulent account ( s ) listed below, which were illegally reported due to identity theft.

I am asserting my rights under FCRA Section 605B ( 15 U.S. Code 1681c2 ). This law requires you to delete the disputed information within four ( 4 ) business days of receiving proper identification and proof of fraud.

Fraudulent Account Information : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : I did NOT authorize or open this account. This is the result of identity theft. 
As required by law, you must : Block and delete this account within 4 business days Provide written confirmation of this deletion Refrain from reinserting this information into my report without full compliance with FCRA Section 611 ( a ) ( 5 ) ( B ) Your failure to comply with these requirements will constitute a willful violation of the FCRA and subject your agency to civil liability under FCRA Sections 616 and 617

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 2025-07-09 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: AL

Complaint narrative:
LEGAL DEMAND FOR REMOVAL OF FRAUDULENT ACCOUNT UNDER FCRA 605B / 15 U.S. Code 1681c2 To Whom It May Concern, This letter serves as a formal and final notice to Experian to immediately block and remove the fraudulent account ( s ) listed below, which were illegally reported due to identity theft.

I am asserting my rights under FCRA Section 605B ( 15 U.S. Code 1681c2 ). This law requires you to delete the disputed information within four ( 4 ) business days of receiving proper identification and proof of fraud.

Fraudulent Account Information : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reason for Dispute : I did NOT authorize or open this account. This is the result of identity theft. 
As required by law, you must : Block and delete this account within 4 business days Provide written confirmation of this deletion Refrain from reinserting this information into my report without full compliance with FCRA Section 611 ( a ) ( 5 ) ( B ) Your failure to comply with these requirements will constitute a willful violation of the FCRA and subject your agency to civil liability under FCRA Sections 616 and 617

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute of Inaccurate Account Reporting XXXX XXXX XXXX  To Whom It May Concern : I am writing another letter to formally dispute the reporting of the XXXX XXXX XXXX account ( Account # XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX, closed XX/XX/XXXX ) on my Experian credit report. I have sent over XXXX letters in regards to this inaccuracy asking that this matter be rectified. This account is only being reported by Experian and does not appear on my TransUnion or Equifax reports, which violates the requirement that all information be complete and accurate across all three credit reporting agencies, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 5 ) ).

As reported several times this account contains inaccuracies and inconsistencies, including but not limited to : Marked as Paid with {$0.00} balance but still showing a XXXXday late payment, which is inconsistent with the final remarks of Account was in dispute now resolved and Current.

Account status is inconsistently described as Paid, Current, Negative Account, and Closed. 

The account appears only on Experian and not on TransUnion or Equifax, which is materially inaccurate and misleading. 

These errors violate my rights under the FCRA and adversely affect my creditworthiness. I've requested a reinvestigation of this account and either : Correct it so that it is fully accurate, consistent, and complete across all reporting agencies ; or Delete the account entirely from my credit file if it can not be verified with 100 % accuracy. 


If Experian fails to comply with this request and correct or delete the inaccurate information within the legal time frame of 30 days from receipt of this letter, I will proceed with litigation to enforce my rights under the FCRA, including seeking {$1000.00} in damages for each inaccuracy, as allowed by law. 

I have requested written confirmation that they have received this dispute and will investigate this matter. Additionally, I ask that they please provide written confirmation of the results of their investigation and an updated copy of my credit report upon completion of your review. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX With my letters of dispute to Experian, I have Enclosured : Copy of photo ID Proof of address Notarized Affidavit of Dispute ( if applicable ) Copy of credit report highlighting disputed account

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-07-09 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: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am filing this complaint against Transworld Systems Inc. for inaccurate and harmful credit reporting in violation of the Fair Credit Reporting Act ( FCRA ).

Transworld is reporting a collection account for {$5500.00} allegedly owed to XXXX XXXX XXXX, a property that no longer exists under that name. I previously disputed this account with both Transworld and XXXX, and the account was marked as verified. However, the documentation provided is insufficient and inaccurate. 

Specifically : The account number is incorrect The balance is inaccurate and includes charges I never agreed to ( e.g., pet fees, post-move-out charges ) The property management company no longer exists, and no valid chain of assignment has been provided to prove Transworld has the legal right to collect this debt I have requested validation under the FDCPA, and Transworld responded with a rental agreement and ledgerbut failed to provide : A bill of sale or assignment agreement Account-level documentation linking my name to the alleged debt transfer A sworn affidavit of ownership This tradeline is materially harming me by preventing me from securing housing, which constitutes actual damage under FCRA 616 and 617. I am requesting that the CFPB investigate this matter and require Transworld Systems to either :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was charged twice for services. I did not receive my bank refused to refund the fees and the money. It also caused my account to be overdraft and I could not pay other bills. I called them three times was on the phone for over three hours and they refused to give me any kind of resolution due to their own policies was their excuse.

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 2025-07-09 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: PA

Complaint narrative:
The dates amounts and actions are listed below : XX/XX/XXXX, {$3300.00},, Charge off XX/XX/XXXX, {$2500.00}, Negative XX/XX/XXXX, {$380.00}, Negative XX/XX/XXXX, {$1200.00}, Negative XX/XX/XXXX, {$360.00}, Negative XX/XX/XXXX, {$240.00}, Negative

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 2025-07-09 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: MI

Complaint narrative:
This letter serves as a formal notice of fraudulent activity identified in my credit report. The accounts listed were not opened or authorized by me and are not reflective of my financial history.

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 2025-07-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
COMPLAINT : Santander Bank is obstructing the CFPB complaint process by attempting to bypass written communication and force a phone call. After I submitted my complaint through the CFPB platform, Santander responded not with a written explanation or resolution, but by insisting that I call them to clarify the issue. This is improper and likely in violation of CFPB protocol, which exists to ensure there is a clear, written record of consumer disputes. Requiring a phone call instead of providing a written response undermines the transparency and integrity of this process. It appears to be a deliberate tactic to sidestep accountability and avoid putting anything in writing that could be used as evidence. I request that the CFPB address this practice, as it may constitute an unfair or deceptive act under federal consumer protection 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