vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block 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 personal credit card account opened at DEPT OF EDUCATIONXXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at DEPT OF EDUCATION/XXXX  on XX/XX/XXXX with XXXX balance of {$2900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of 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 explanation
Consumer complaint received 2025-08-16 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: NC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-16 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: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management , Inc. is attempting to collect an alleged debt from me without providing lawful verification as required by federal law. 

I formally disputed the alleged account in writing and demanded verification under 15 U.S.C. 1692g ( b ) ( FDCPA ) and UCC 9-210 ( Request for Accounting & Proof of Claim ). I specifically requested the original signed contract, complete chain of title, full accounting ledger, Truth in Lending disclosures, and proof of state licensing. 

Midland has failed to provide any of the requested documentation. Instead, they continue collection activity and furnish inaccurate information to the credit bureaus in violation of : FDCPA 1692e, 1692f, 1692g Misrepresenting debt, using unfair practices, and failing to validate before further collection. 

FCRA 1681s-2 Furnishing inaccurate data without proper reinvestigation.

TILA Failing to produce required disclosures identifying the true creditor and finance terms.

GLBA Improper acquisition and handling of my private financial data. 

State consumer protection laws Unfair and deceptive trade practices. 

XXXX has a well-documented history of violating federal consumer protection laws. The XXXX own enforcement records show : XXXX Consent Order Entered after findings of XXXX, FDCPA, and FCRA violations. 

CFPB XXXX XXXX XXXX XXXX, et al. ( XXXX XXXX. XXXX, XXXX. XXXX, filed XXXX XXXX, XXXX ) Alleged breaches of the XXXX order, including suing without documentation, collecting time-barred debts without disclosure, and refusing to provide documentation upon request. The XX/XX/XXXX XXXX XXXX required {$79000.00} in consumer redress, a {$15.00} XXXX civil penalty, mandatory disclosures, and a five-year extension of compliance requirements. 

Despite these enforcement actions, Midland continues to engage in the same unlawful conduct with me. I am requesting that the CFPB take enforcement action, require Midland to cease collection, delete any credit reporting, and impose penalties for their continued violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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 disputed a tradeline with Experian and specifically requested verification of the debt and supporting documentation. Instead of providing proof, Experian closed the dispute with a generic statement that the account remains and is being reported accurately. 

No contract, billing records, or payment history were provided to me. This means Experian did not comply with its legal obligation under the Fair Credit Reporting Act ( FCRA ) to verify the accuracy of the information with the furnisher or to delete it. 

I have proof of on-time payments from before I hired a law firm to assist me, which directly contradicts how the account is being reported. This incorrect reporting is damaging my credit and preventing me from moving forward financially.

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 2025-08-16 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDELENT ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-08-16 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: IA

Complaint narrative:
Equifax is still reporting medical debts on my credit file, which is in direct violation of the CFPB Final Rule requiring the removal of all medical debt from consumer credit reports effective XX/XX/year>. 

Equifax has reported that this medical debt belongs to me reporting by XXXX XXXX. The issue at hand wasn't if the debt belonged to me, it was disputed as a direct violation of the CFPB Final Ruling " REQUIRING ALL MEDICAL DEBT '' removed from consumer 's credit reports effective as of XX/XX/year>. By verifying that the debt belonging to me is irrelevant and the way to keep the medical debt on my credit report despite being in violation of doing so. I had medical insurance at the time of these debts ' accumulation, but that's another issue. But it's not the primary issue at hand. To be clear : The CFPB Final Rule on " Medical Debt '', as of XX/XX/year>, is that " ALL MEDICAL DEBT '' is to be removed from consumer 's credit report, and it is a direct violation when the reporting of it continues. And as of today 's date, Equifax continue to be in direct violation of the CFPB Ruling. XXXX  has since followed and upheld the CFPB 's XX/XX/year>, Final Ruling, as should Equifax. 

This isn't a debate on if it is or isn't, it's about following the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/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 2025-08-16 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, This is my second dispute regarding the inaccurate reporting of the XXXX XXXX account on my Equifax credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2, credit reporting agencies and furnishers are legally required to ensure maximum possible accuracy and to properly reinvestigate disputes. 
Despite my previous dispute, this account remains inaccurate, unverifiable, and misleading. Specifically : No verification date Equifax continues to report Last Verified : --, meaning no verifiable evidence was provided to confirm the accuracy of this account. This is a direct violation of FCRA 1681i ( a ). 
Closed account with no proper Closed Date The account is listed as Closed but Equifax fails to report a Closed Date, which is materially incomplete and misleading. 
Creditor remarks are inconsistent and unverifiable Equifax states Charged off account / Amount in high credit original charge-off amount without supplying documented proof from the furnisher. The absence of verifiable supporting data renders this entry unverifiable under FCRA 1681i ( a ) ( 5 ) ( A ).

Obsolete and misleading reporting The accounts last activity was XX/XX/XXXX, yet it is still being reported as derogatory without proper reinvestigation. This is not maximum possible accuracy under FCRA 1681e ( b ). 
Because Equifax has already failed to correct or delete this account after my first dispute, I am now demanding : A full reinvestigation with proper verification documents from XXXX XXXX ( original creditor ). 
Removal of this account if Equifax can not provide competent documentary evidence from the furnisher that proves the accuracy of every field reported. 
Written disclosure of the method of verification, including the name, address, and telephone number of the furnisher, as required by FCRA 1681i ( a ) ( 7 ).

If Equifax fails to comply, this matter will be escalated for willful noncompliance under FCRA 1681n, which entitles me to actual damages, statutory damages, punitive damages, and attorneys fees.

I expect a prompt resolution and deletion if this account can not be 100 % verified with accurate and documented evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of 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 explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/year> I deposited a paycheck from my employer into my account via XXXX XXXX, after I did that I got a deposit date of XX/XX/year> @ XXXX that it will be available. XXXX minutes after thats done I received an email saying my deposit will now be delayed and available on XX/XX/XXXX XXXX which is 7 days away and way too far away for me because I have bills and I need money or else XXXX gon na face bigger problems on XX/XX/year> I deposited a check from my same employer and it was available XX/XX/year>. So I am very confused on what the issue is now and why are these people holding my money when I clearly have no money and XXXX in debt and then the online customer service told me to go into the branch to get help and when I went they told me there is nothing they can do for me how do you have no options for your valued customers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: VA

Complaint narrative:
I am filing under FCRA 611 ( 15 U.S.C. 1681i ) regarding charge-off and collection tradelines on my Equifax report that are inaccurate and/or not fully verified. I am also a documented participant in the Equifax data breach and request heightened identity/ownership verification. I uploaded highlighted report pages ( name, account # last-4, status, balance, key dates ). Please conduct a reasonable reinvestigation and delete or correct any item that can not be verified with original-source documentation, including accurate DOFD, proper status/remarks ( e.g., transferred/sold with {$0.00} after sale ), and no duplicate balance between an original creditor and a related collection. 

Collections verify or delete ( require original agreement, full itemized accounting, and chain-of-title ) : Fair Collections & Outsourcing ( FCO ) Acct XXXX  XXXX Original Creditor : The Ashtons Amount : {$2800.00} Assigned : XX/XX/XXXX DOFD : XX/XX/XXXX Status : Unpaid. 
Issue ( s ) : No itemization ; chain-of-title not provided ; ownership unproven ; date/amount consistency required. 

XXXX XXXX Acct XXXX  XXXX Original Creditor : XXXX Amount : {$540.00} Assigned : XX/XX/XXXX DOFD : XX/XX/XXXX Status : Unpaid. 
Issue ( XXXX ) : Same ( itemization/ownership/chain ). 

XXXX XXXX ( Debt Buyer ) Acct XXXX  XXXX Amount : {$440.00} DOFD : XX/XX/XXXX Status : Collection. 
Issue ( XXXX ) : Debt-buyer ownership proof + complete chain-of-title ; itemization absent. 

XXXX ( collection-coded account ) Acct XXXX  XXXX XXXX : {$410.00} XXXX : XX/XX/XXXX narrative shows Collection/Utility coding. 
Issue ( XXXX ) : Verify classification, DOFD/aging, and any duplicate balance with a separate collector. 

Charge-offs ( original creditors ) verify or delete ( verify DOFD, remarks, and amounts ; no post-sale lates ; {$0.00} if sold ) : XXXX XXXX XXXX ( Chase ) Acct XXXX  XXXX Charge-off amount : {$2900.00} DOFD : XX/XX/XXXX Last Payment : XX/XX/XXXX. 
Issue ( XXXX ) : Confirm DOFD/aging ; confirm balance handling and remarks. 

XXXX XXXX XXXX  ( XXXX ), XXXX. Acct XXXX XXXXXXXX XXXX  XXXX : {$480.00} Balance : {$440.00} XXXX : XX/XX/XXXX Last Payment : XX/XX/XXXX. 
Issue ( s ) : Confirm DOFD/aging ; ensure no duplicate balance with any related collector. 

XXXX XXXX XXXX Acct XXXX  XXXX Status : Charge-off ; XXXX XXXX  XXXX : {$1900.00} Current Balance : {$0.00} DOFD : XX/XX/XXXX. 
Issue ( XXXX ) : Confirm transfer/sale coding ; no post-sale late marks ; no duplicate balance elsewhere. 

Personal information ( cleanup ) : Keep only my current legal name and current address ( ID/address proof attached ). Delete all non-current name variants, prior addresses, and former employers as highlighted on my Personal Information page to prevent mixed-file issues.

Attachments : Highlighted Equifax pages for each item ; government ID and current-address proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
This company charged off the loan. The information stayed on my credit report even though they failed to give me a 1099 this caused issues with my score and made me not be able to get financing, hous8ng, and loans for higher amounts. They sent an email saying the lien was lifted yet didn't send info for the title nor did they send me the title.

Company response to consumer: Closed with explanation