vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
Dear CFPB, I am filing this complaint because OLIPHANT USA LLC ( Acct : XXXX XXXX ) and OLIPHANT USA ( Acct : XXXXXXXX XXXX XXXX XXXX ) are reporting inaccurate and duplicated information on my credit report. 

Both show the same balance of {$8800.00} but are reported differently ( XXXX as a charge-off and XXXX as a collection ). I have no knowledge of these accounts and never opened any credit line with this company. 

I requested validation and correction from the credit bureaus, but nothing was properly verified. 

I am asking the CFPB to require the furnisher to : Provide proof that I owe these debts ( original contract, signatures ), or Delete both accounts from all credit bureaus if no proof exists. 

Please provide written confirmation after your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

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

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

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: MI

Complaint narrative:
I previously requested a reinvestigation of the accounts listed on my credit report. However, the results I received did not include proper verification or supporting documentation from the data furnisher. Under the Fair Credit Reporting Act ( FCRA 611 ), I have the right to a fair and accurate reinvestigation. Because the information could not be fully 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Inquiries Experian ( EX ) : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Payments Experian ( EX ) : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : 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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX Major Late-Payment Discrepancies Account number : XXXX XX/XX/XXXX : Experian reports 60 days late. 
Equifax reports PAID ON TIME. 
TransUnion reports NOTHING. 
XX/XX/XXXX : Experian reports 30 days late. 
Equifax reports 60 days late. 
TransUnion reports NOTHING. 
XX/XX/XXXX : Experian reports PAID ON TIME. 
Equifax reports 30 days late. 
TransUnion reports NOTHING. 
This is a Metro-2 violation. Payment history must be consistent.

This is an FCRA 607 ( b ) accuracy violation.

Any inaccurate data must be deleted under FCRA 611. 
I am disputing the XXXX charge-off on my credit file. This was previously removed and has now been reinserted without notice, which is illegal under FCRA 611 ( a ) ( 5 ) ( B ). What are the odds that an unverified, improperly reported charge-off magically reappears? Reinsertion requires written notice within 5 business days, which I did NOT receive. 
I have disputed this account multiple times. Every dispute included : My ID My Social Security card Proof of address My clear explanation of the inaccuracies Instead of providing verification, all three bureaus sent : Copies of my own credit report ( not verification ) Credit repair company stall letters ( not true ) Identity theft freeze letters ( also not true ) No documentation from XXXX whatsoever If the bureaus or Discover actually knew Metro 2 or the FCRA, they would know that NONE of this counts as verification of a charge-off.

What information did I request? ( short ) I requested complete verification : full account ledger, billing statements before charge-off, default/acceleration notices, charge-off calculation, and proof of ownership.

Why this violates the law Under FCRA 611 ( a ) ( 1 ) and 623 ( b ), the bureaus must perform a reasonable investigation. 
Sending me a credit report is not an investigation. 
Claiming Im working with a credit repair company is not an investigation.

Identity theft freezes I did not request are stall tactics.

Metro 2 requires : Accurate Date of Last Payment Accurate Date of First Delinquency Consistent payment history Correct charge-off coding Matching data across bureaus Discover and the bureaus are reporting inconsistent dates, inconsistent balances, inconsistent statuses, and nothing matches across all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am requesting that TransUnion reinvestigate and verify the accuracy of the following accounts, inquiries, and late payments. 

Charged-Off Accounts in Dispute Dept of Ed / XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$710.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX XX/XX/XXXX {$270.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} Reason for Dispute : Some of these accounts may be outdated, reported incorrectly, or unverifiable. I request that TransUnion provide complete validation, including the original creditor and balance information, or delete any unverifiable data. 

Inquiries in Dispute XXXXXXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reason for Dispute : I do not recognize some of these inquiries. I request verification of my authorization or removal of any inquiry that can not be confirmed. 

Late Payments in Dispute XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for Dispute : The reported late payments appear to be inaccurate. Please verify them with payment records or remove them if they can not be confirmed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing the following accounts on my TransUnion report, as the information appears to be inaccurate. I request that TransUnion investigates and resolves these discrepancies in compliance with the FCRA. 

Charged 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 XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts were opened in my name without my consent. These accounts appear on my credit report, and I have submitted an FTC Identity Theft Report ( Report # XXXX ) to address this issue. The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I have submitted multiple complaints to Experian, Equifax, and TransUnion requesting the removal of these accounts under FCRA Sections 605B and 611, but no action has been taken. I am requesting the CFPBs assistance to ensure these credit bureaus comply with the law and remove the fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: IL

Complaint narrative:
I am a victim of identity theft, and fraudulent accounts were opened in my name without my consent. These accounts appear on my credit report, and I have submitted an FTC Identity Theft Report ( Report # XXXX ) to address this issue. The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I have submitted multiple complaints to Experian, Equifax, and TransUnion requesting the removal of these accounts under FCRA Sections 605B and 611, but no action has been taken. I am requesting the CFPBs assistance to ensure these credit bureaus comply with the law and remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I am disputing a debt that Resurgent Receivables LLC claims to own and is reporting to the credit bureaus. I requested validation, and the company responded to a BBB complaint with a letter that provides no documented proof of ownership, no signed agreement, no complete account history, and no itemized accounting. They only provided internal statements, not evidence.

They are reporting a tradeline under the Current Owners name, and they refuse to delete it despite lacking validation. They only state that they believe the information is accurate and will continue reporting it as disputed. This does not satisfy FCRA 1681s-2 ( b ) requirements for accurate and verifiable reporting.

The company admitted they received a cease-communication request, yet they continue using credit reporting as a collection method.

I am requesting that the CFPB require the company to : 1. Provide full debt validation with actual documents, 2. Prove chain of title, 3. Provide an itemized accounting, 4. Correct or delete the tradeline if they can not validate the debt.

Their response letter to the BBB is attached and improper under FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Experian Credit Bureau to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute multiple items that appear on my credit report and are inaccurately reported. Below are the details of the accounts in dispute, which I believe are violating the Fair Credit Reporting Act ( FCRA ). I request that these items be thoroughly investigated and corrected as necessary. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Our mortgage was sold from XXXXXXXX XXXX to Rocket Mortgage the first part of XXXX. During this time, I attempted to make a payment on our mortgage but was unable to make a payment to either mortgage service, as neither location owned to loan at that time. Upon the completion of our loan being transferred to Rocket Mortgage it was calmed we were now one month behind on our payments. The only payment I did not make was the month of XXXX as no one would accept a payment. 
Fast forward to XXXX of this year, a payment was made on XX/XX/year> and was apparently returned to our account on XXXX XXXX. No funds were returned to our account and now they are claiming we are XXXX months behind on our mortgage payments. Included are bank documents showing payments being made and no funds being returned to our account. 
As a result, the only documents I have received from reaching out is a large stack of documents and one voice mail explaining their reason on the phone with no way to contact them back. On top of that, late fees from Rocket Mortgage are piling up, our credit is destroyed and we are unable to transfer our loan elsewhere or pull equity from our home to get a new roof. I have made many attempts to rectified the situation and have gotten nowhere. This company has been less than favorable to work with expressly seen as how we did not choose them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation