vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've recently reviewed my report and notice fraudulent accounts on my report.Please remove these accounts from my report. Tey are hurting my ability to obtain credit. 
Account name 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 explanation
Consumer complaint received 2025-08-30 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain collection accounts being reported on my credit file. The following accounts are incorrectly listed : XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXt Reported opened XX/XX/XXXX XXXX XXXX XXXX Reported opened XX/XX/XXXXXXXX  I have never opened accounts with these companies, and the dates listed as opened are inaccurate and misleading. These accounts are reported as if they were newly opened debts, when in fact they are purchased/assigned debts from an original creditor. This violates the Fair Credit Reporting Act ( FCRA ) requirement that all information reported be accurate and complete. 

I am requesting that these accounts be investigated, or removed entirely if the reporting can not be verified.

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 2025-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am disputing Midland Credit Managements attempts to collect on an account they do not legally own and can not validate. Midland admitted in their own response that they did not purchase my debt and are only collecting on behalf of the creditor, but they have failed to provide any legally required documentation to prove this authority.

Under the FDCPA ( 15 U.S.C. 1692g ), they were required to provide full validation, including a copy of the signed original agreement, itemized accounting of the alleged balance, and documentation showing legal ownership or an agency contract. Instead, they only sent a form letter, which does not meet the legal definition of validation.

Despite my dispute, Midland continues to attempt collection and to report this account to the credit bureaus. This violates the FCRA ( 15 U.S.C. 1681s-2 ) because they are furnishing inaccurate and unverifiable information and failing to mark the account as disputed. 

Midlands actions also violate Georgias Fair Business Practices Act ( O.C.G.A. 10-1-393 ) by misrepresenting their authority, as well as the Gramm-Leach-Bliley Act by using and transmitting my personal financial information without being the legal creditor. They have further ignored my demand for an accounting under UCC 9-210, which they are required to provide.

In short, Midland has failed to prove they have any right to collect this debt or report it to the credit bureaus. Their response is incomplete and misleading, and their conduct is deceptive, unfair, and harmful to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX TO : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent Collection Account ( XXXX XXXX XXXX {$1300.00} ) To Whom It May Concern, I am formally disputing a fraudulent collection account reporting on my Experian, Equifax, and TransUnion credit reports under the name XXXX XXXX XXXX {$1300.00}. I have never opened, authorized, or contracted with this company, and I have no relationship with XXXX XXXX XXXX. This account is a direct result of my personal information being compromised in the XXXX XXXX XXXX XXXX and the Equifax Data Breach.

This account is unlawfully reporting and violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1681c-2 ( FCRA 605B ) : Requires blocking and deletion of information resulting from identity theft upon receipt of proof.

15 U.S.C. 1681i : Requires reinvestigation and deletion of information that can not be verified.

15 U.S.C. 1681e ( b ) : Mandates maximum possible accuracy ; false reporting of fraudulent debt violates this standard.

FACTA ( Pub. L. 108-159 ) : Strengthens identity theft protections and requires CRAs to promptly block fraudulent data.

15 U.S.C. 1692g ( FDCPA ) : Requires validation of debts ; XXXX XXXX XXXX has failed to provide any proof of a valid contractual relationship or assignment of debt.

15 U.S.C. 1692e ( FDCPA ) : Prohibits false, deceptive, or misleading representations, including reporting debts that are not owed.

Demand : I demand that this fraudulent account be immediately and permanently blocked, deleted, and removed from my Experian, Equifax, and TransUnion credit reports. Additionally, I demand written confirmation of the deletion within 15 business days.

Failure to comply will result in immediate escalation, including formal complaints with the CFPB, FTC, and State Attorney Generals Office, as well as potential legal remedies under FCRA 616, 617 and FDCPA 813, 814. 

This account is fraudulent, the result of identity theft, and its continued reporting is unlawful. I expect full compliance under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX TO : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent Collection Account ( XXXX XXXX XXXX {$1300.00} ) To Whom It May Concern, I am formally disputing a fraudulent collection account reporting on my Experian, Equifax, and TransUnion credit reports under the name XXXX XXXX XXXX {$1300.00}. I have never opened, authorized, or contracted with this company, and I have no relationship with XXXX XXXX XXXX. This account is a direct result of my personal information being compromised in the XXXX XXXX XXXX XXXX and the Equifax Data Breach.

This account is unlawfully reporting and violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1681c-2 ( FCRA 605B ) : Requires blocking and deletion of information resulting from identity theft upon receipt of proof.

15 U.S.C. 1681i : Requires reinvestigation and deletion of information that can not be verified.

15 U.S.C. 1681e ( b ) : Mandates maximum possible accuracy ; false reporting of fraudulent debt violates this standard.

FACTA ( Pub. L. 108-159 ) : Strengthens identity theft protections and requires CRAs to promptly block fraudulent data.

15 U.S.C. 1692g ( FDCPA ) : Requires validation of debts ; XXXX XXXX XXXX has failed to provide any proof of a valid contractual relationship or assignment of debt.

15 U.S.C. 1692e ( FDCPA ) : Prohibits false, deceptive, or misleading representations, including reporting debts that are not owed.

Demand : I demand that this fraudulent account be immediately and permanently blocked, deleted, and removed from my Experian, Equifax, and TransUnion credit reports. Additionally, I demand written confirmation of the deletion within 15 business days.

Failure to comply will result in immediate escalation, including formal complaints with the CFPB, FTC, and State Attorney Generals Office, as well as potential legal remedies under FCRA 616, 617 and FDCPA 813, 814. 

This account is fraudulent, the result of identity theft, and its continued reporting is unlawful. I expect full compliance under federal law. 

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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Today I received a remediation check for XXXX. This is my second check for XXXX in the past month or so. I would like to make it know that Wells Fargo is sending XXXX and XXXX  customers a check for XXXX and this is the perfect example of how Wells Fargo has repeatedly denied me the right of having a equal credit opportunity experience. This is repeatedly demonstrated by Wells Fargo over and over again. Despite my efforts to raise the issue with Wells Fargo directly instead I received letters from Wells Fargo about how there was no error. This is not true. To make the matter worse is I have seen checks of Caucasian races checks being {$1000.00}. All four associates I know in my circumstances have had the same problem to receive a check for {$1000.00} No more no less. Im talking about {$1000.00} not XXXX as in the XXXX community is receiving. Wells Fargo cant seem to not punish XXXX Americans because of todays economic international crisis with XXXX countries. This is to punish us for the fact they dont want us to have equal rights access and opportunity. This act is egregious and unconstitutional for our loyal banking history says so while they did not do anything about the accounts being compromised or unfairly charged in our banking history with them. Auto as well

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Re : Complaint under FCRA and FDCPA against LVNV Funding LLC / Resurgent Capital Services and XXXX XXXX XXXX Complainant : Date : XX/XX/year> I. Introduction I am a consumer under 15 U.S.C. 1681a ( c ). This complaint arises from materially inconsistent and inaccurate tradeline reporting by LVNV Funding LLC / Resurgent Capital Services ( LVNV/Resurgent ), furnished to and published by XXXX and XXXX. 
II. Facts - XXXX  ( XX/XX/year> ) : LVNV Funding LLC c/o Resurgent Capital Services , Balance {$1000.00}, Date Reported XX/XX/year>. 
- XXXX  ( XX/XX/year> ) : Resurgent/LVNV Funding, Balance {$960.00}, Date Reported XX/XX/year>. 
The balances and identifiers differ. I previously disputed this item with XXXX  in XX/XX/year> ; the issue remains unresolved.

III. Legal Violations FCRA : - 607 ( b ) : CRAs must ensure maximum possible accuracy.
( Dalton v. Capital Associated Indus., 257 F.3d 409 ) - 611 ( a ) : CRAs must conduct a reasonable reinvestigation. ( Cushman v. Trans Union, 115 F.3d 220 ) - 623 ( b ) : Furnishers must meaningfully investigate. ( Johnson v. MBNA, 357 F.3d 426 ) FDCPA : - As a debt buyer, LVNV is a debt collector under 1692a ( 6 ). Reporting inconsistent balances violates 1692e ( 2 ) ( A ). ( Wallace v. Washington Mutual Bank, 683 F.3d 323 ) I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX response is inadequate and fails to comply with FCRA 605B. I submitted all legally required documentation to block fraudulent accounts, including proof of identity, a police report, and written statements of disputed accounts. The law requires TransUnion to block identity theft-related information within 4 business days of receiving this documentation. Instead, TransUnion refused and improperly demanded that I complete its internal affidavit. The FCRA does not require consumers to use a credit bureaus own forms. This is an unlawful barrier to my rights under federal law.

Meanwhile, Equifax reviewed the same accounts and promptly deleted them. TransUnions refusal to take the same action has caused me further financial harm, including continued credit denials, higher interest rates, and emotional distress. The accounts in question remain listed only as in dispute rather than deleted, despite clear evidence they were the result of identity theft.

I request that the CFPB direct TransUnion to immediately block and permanently delete the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX ( multiple tradelines ) , XXXX XXXX XXXX XXXX XXXX XXXX ( hard inquiry ) . Written confirmation of deletion and assurance of no reinsertion is also requested.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my EQUIFAX credit report. The account in question is : Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>XXXX  Reported Balance : {$0.00} The following reporting is inaccurate : 1. Late Payment Error : This account is being reported as 30 days late. This is incorrect. The reporting does not reflect my actual payment history. 
2. Inconsistent Reporting Across Bureaus : XXXX  does not report anything, while it shows in both XXXX  and Equifax. Such inconsistencies indicate errors in the way this account is being reported.

Under the FAIR Credit Reporting Act ( FCRA ), I am requesting that EQUIFAX conduct a thorough reinvestigation of this account and remove the inaccurate late payment entry. 
The account should reflect accurate payment history consistent with verified records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Absolute Resolutions Investments LLC filed a lawsuit against me for a debt I do not owe and reported this alleged debt to consumer reporting agencies. I did not receive notice of the lawsuit, and on the day of judgment, they withdrew their claim because they had no proof of the debt. I have not supplied proof under the doctrine of estoppel by silence ( Engelhardt v. Gravens, 281 S.W. 715, 719 ), and therefore presume that no proof of the alleged debt, nor any such debt, in fact exists. Despite this, they continue collection threats and reporting, causing ongoing harm to my credit and consumer profile. Their actions are willful violations of FDCPA ( 1692g & 1692e ), FCRA ( 1681s-2 ), and Texas consumer protection laws ( DTPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: AR

Complaint narrative:
I applied for a loan on XX/XX/year> for XXXX but they were pushing and insisting I make it XXXX so I cancelled the application. I then found in the next week that my social security number had been found on the dark web in XXXX seperate instances in my credit report. I believe they may have sold my information or it was obtained via the internet through their system 's breach. All of the email correspondence with their rep, XXXX XXXX has dissapeared. XXXX my replied still exist. This is suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute multiple accounts currently appearing on my credit report that I did not authorize, open, or manage. These accounts are inaccurate and misleading and are harming my credit profile and financial reputation.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX XXXX XXXX Date XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Re : Complaint Against Equifax and Experian for FCRA Violations XXXX  XXXX Accounts Dear CFPB, I am filing a formal complaint against Equifax and Experian regarding their failure to correct inaccurate information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611. 

The accounts in question are : XXXX. XXXX XXXX XXXX  XXXX XXXX Account ending * XXXX Status : Charge Off Balance Reported : {$1700.00} Closed : XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX Account ending * XXXX Status : Charge Off Balance Reported : {$2000.00} Closed : Nature of the Complaint Both accounts were charged off and sold to third-party debt collectors, yet XXXX  XXXX continues to report outstanding balances as if I still owe them directly. This creates the false and misleading impression that I owe the same debt to both XXXX XXXX and a collection agency. 

This reporting is : Factually inaccurate ( a charged-off debt sold to another party should not continue showing a balance with the original creditor ). 

Misleading and deceptive ( it appears I owe multiple parties for the same debt ). 

A violation of the FCRA requirement for accurate reporting. 


Previous Disputes Ignored I have disputed these accounts multiple times with both Equifax and Experian, and they continue to verify the same inaccurate and misleading information without a proper investigation. This demonstrates a failure to conduct a reasonable reinvestigation under FCRA Section 611 ( a ).

-- - Requested Resolution I am requesting that the CFPB require Equifax and Experian to : XXXX. * * Delete both XXXX XXXX accounts ( XXXX and XXXX ) from my credit reports entirely. 


XXXX. Provide me with written confirmation of deletion. 


XXXX Review their dispute-handling practices for compliance with FCRA requirements. 




-- - Supporting Documents Copies of my Equifax and Experian credit reports ( dated XX/XX/XXXX ) showing the disputed XXXX  XXXX accounts. 

Copies of my prior dispute letters and bureau responses. 



-- - Thank you for your attention to this matter. I am requesting prompt enforcement action to ensure these inaccurate accounts are deleted from both my Equifax and Experian files. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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