vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX  For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : 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 2025-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
XXXX XXXX Collections ( RDAC ) is reporting a {$9100.00} rental debt for an apartment at The XXXX that is inaccurate and unvalidated. I have repeatedly requested proof, including the signed lease, full account ledger, move-out inspection, and proof that RDAC has the legal right to collect. 

The documents XXXX sent through a previous CFPB complaint contain inconsistencies : The lease lists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but XXXX claims its client is Cedardale. 
Addresses differ ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
The final statement lumps together rent and fees but provides no photos, invoices, or proof of re-renting/mitigation after move-out. 
XXXX tenants are listed, yet XXXX has not shown how the balance was allocated among us. 

I asked XXXX to validate the debt under FDCPA 809 ( b ) and FCRA 623 ( b ), but they have not provided complete documentation. They continue to report the account, harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: OH

Complaint narrative:
XX/XX/XXXX These items reporting on my credit report is also past the 7 year statue of reporting and thus needs to be removed. 

None of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX  Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 


Remove all negative fraudulent items not associated with me! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$18000.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$410.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$700.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$530.00} XXXXXXXX XXXX  Date Opened XX/XX/XXXX Balance {$240.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$15000.00} * * inquiries * * XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: WA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Docket XXXX DEFENDANT 'S MOTION TO DISMISS XXXX XXXX XXXX XXXX American Express XXXX XXXX XXXX XXXX XXXX MA XXXX In the XXXX XXXX XXXX XXXX for XXXX XXXX of XXXX XXXX the State of Massachusetts . 


XXXX XXXX XXXXXXXX, XXXX American Express XXXX XXXX. 

XXXX XXXX XXXXXXXX XXXX Defendants XXXX XXXX XXXX and XXXX XXXX XXXX motion to this Court for the dismissal of this matter. For the reasons set forth in the attached documents, as well as previous documents filed to support this Motion, good cause exists to grant this Motion.

-Failure of Plaintiff to provide complete documentation required by defendants in requests to XXXX on XX/XX/XXXX and XX/XX/XXXX. 

-Failure of Plaintiff to provide original signed documentation of card agreement ( XXXX ) or written consent of notice or assumption of debt by XXXX XXXX including state license and number. 

-Failure of Plaintiff to report debt as Disputed as per required by FDCPA, FCRA Sections 611,623. 



Respectfully Submitted this XXXX day of XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Re : American Express Credit Cards, XXXX Please be advised that I am in receipt of your mailing of XX/XX/XXXX. It is noted that it is incomplete and inaccurate relating to American Express Card listed. I have reviewed the account and find that many are fraudulent as already reported to American Express. On card XXXX, Most of the entries were from a card that was reported stolen. Please understand and respect that these accounts were part of a XXXX XXXX year history with Amex , prior to these recent issues and comprising a number of accounts and cards with over $ XXXX in business. 

THE ACCOUNT IS REPORTING INACCURATELY. THE ORIGINAL CREDITOR HAS SOLD THE DEBT, WITHOUT MY CONSENT, YET STILL REFLECTS A BALANCE. PER THE FCRA, THIS IS CONSIDERED DUPLICATE REPORTING. PLEASE UPDATE THE ORIGINAL CREDITORS BALANCE TO {$0.00} AND REMOVE THE ACCOUNT ENTIRELY. ANY PENDING LEGAL ACTIONS MUST BE DISMISSED IMMEDIATELY. 

THIS ACCOUNT REMAINS IN DISPUTE. 

Please forward the remaining documents on this account including account CONTRACTS with XXXX. Please also note that the cardholder in this action had already submitted documentation in XXXX, that they were a victim of identity theft as reported to FTC, CFPB and federal authorities. An account was established with XXXX shortly thereafter to protect against future issues Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX MA AGO , CFPB, encl.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management continues to report a {$3700.00} collection account that was dismissed by court order on XX/XX/year> ( XXXX XXXX. XXXX, Precinct XXXX, XXXX XXXX, TX XXXX. 

I spoke with XXXX from XXXX XXXX department and an online agent named XXXX XXXX about this matter. Both were informed that the case had been dismissed and that the law firm XXXX XXXX XXXX, representing XXXX, had already paid the court fees associated with the dismissal on XX/XX/year>. 

Despite this, XXXX continues to report the account as an active collection with a balance due, which is inaccurate and unlawful under FCRA 623 ( a ) ( 1 ) ( A ) furnishers may not report information they know or have reason to believe is inaccurate. The court record clearly shows the case was nonsuited/dismissed by plaintiff, meaning XXXX voluntarily withdrew its claim and has no further legal standing to collect or report this debt as owed. 

I have attached a copy of the court dismissal record from XXXX XXXX to verify this information. I have attempted to resolve the issue directly with XXXX, but their legal team refuses to correct the reporting or remove the tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: KY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-13 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-13 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: IL

Complaint narrative:
These accounts have been reported in my name without my authorization or knowledge. I did not open, authorize, or manage them, and their presence is a false and damaging representation of my financial history. This is unacceptable.

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 2025-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
The collection account ( s ) being reported on my credit file are inaccurate, incomplete, and unverifiable, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ), 1681i ( failure to conduct a reasonable reinvestigation ), and 1681s-2 ( furnishers duty to provide accurate and complete information ). The furnisher has failed to provide documented proof of ownership, a full chain of assignment, and records validating the debt pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, the data being reported is nonXXXX XXXXcompliant, containing inconsistencies in dates, balances, and account status across all three major credit reporting agencies. This is an ongoing violation that continues to cause measurable harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Re : XXXX XXXX  Verify Current Balance & Posting Report quotes ( EX ) : Balance : {$100.00} Last Reported : XX/XX/year>. XXXX  ( XXXX  ) : Balance : {$0.00} Last Reported : XX/XX/year>. 
Experian : Under FCRA 607 ( b ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( a ) ( 5 ) ( A ) ), Reg V 1022.42, and Cushman, conduct an independent reinvestigation. Codes are not proof.

Inaccuracy : Your {$100.00} balance conflicts with XXXX  {$0.00} for the same period. One is wrong or unverified. 
All late months disputed : I dispute every non-OK month you have coded ; send running statements/ledger for each month ( due date, receipt, posting ) and the cycle-ending balance supporting {$100.00}.

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 2025-10-13 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: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

INQUIRIES : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
My husband passed away and our credit card was in his name. I applied for a Capital One card in XX/XX/year>. I have over $ XXXX income - from pensions & social security and a XXXX XXXX XXXX. They sent me a card with a {$500.00} limit. I contacted them the day they notified me of that limit to ask why it was so low - I can't even pay my monthly bills with a {$500.00} limit. I was told they would review the application and make an adjustment. They did not. I asked again for a review and was told to go online and request ; they bumped it to {$600.00}. I again requested a personal review, not a computer system review. I was told it would be elevated and reviewed and I would be notified. I never was. Last week I requested another credit limit online and now they say they can not revisit it for 6 months. Today I tried to charge {$8.00} on my card and it was declined. I have barely been able to use it because of the restrictive nature of the credit limit, and the one time I tried I'm embarrassed to be declined. I think I am being discriminated due to my age ( XXXX ). Any younger person with that income, that credit score and no mortgage or rent would be given a card with a much higher limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 

ACCOUNTS : XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXXXXXX XXXX  XX/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 2025-10-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This lack of action is unacceptable. 

The continued presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional distress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief