vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IN

Complaint narrative:
Dear Fair Collections & Outsourcing, I am writing to dispute and request validation of the above-referenced debt, which you have reported to the credit bureaus. As noted on my credit report, this account is listed as open with a balance of {$1100.00}, opened XX/XX/2022. I dispute this account in its entirety and request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I request the following documentation : XXXX. A complete itemized statement of the alleged charges, including the original creditor and how the balance of {$1100.00} was calculated. XXXX. A copy of the original signed contract or agreement that establishes my responsibility for this debt. XXXX. Documentation that Fair Collections & Outsourcing has the legal right to collect this alleged debt, including proof of assignment or transfer. XXXX. Verification that this debt is not time-barred under Indiana law XXXX statute of limitations ). XXXX. Proof of whether and how this account has been reported to any consumer reporting agencies. Until you provide the above documentation, you must cease all collection activity, including credit reporting, phone calls, and mailed notices. Be advised that failure to comply will result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Indiana Attorney Generals Office. I request all communication in writing only. 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 explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am disputing inaccurate information being reported by XXXXXXXX XXXX XXXX  on my credit report. The account shows a XXXX XXXX XXXX status with a balance of {$1100.00} and a credit limit of {$800.00}. The balance being reported is incorrect and inconsistent with my records, as the account was charged off for a different amount and has not had any additional charges or activity since that time. 

Additionally, the account reporting dates appear to be inaccurate and are affecting my credit unfairly. I have already disputed this item directly with the credit bureaus, but the issue was not corrected. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that XXXXXXXX XXXX XXXX verify the accuracy of all reported information or delete the account from my credit file if they can not provide proper documentation supporting the current balance and reporting dates. 

Please investigate this matter and provide a written response with the documentation used to verify the reported data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am disputing inaccurate information being reported by XXXXXXXX XXXX XXXX  on my credit report. The account shows a XXXX XXXX XXXX status with a balance of {$1100.00} and a credit limit of {$800.00}. The balance being reported is incorrect and inconsistent with my records, as the account was charged off for a different amount and has not had any additional charges or activity since that time. 

Additionally, the account reporting dates appear to be inaccurate and are affecting my credit unfairly. I have already disputed this item directly with the credit bureaus, but the issue was not corrected. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that XXXXXXXX XXXX XXXX verify the accuracy of all reported information or delete the account from my credit file if they can not provide proper documentation supporting the current balance and reporting dates. 

Please investigate this matter and provide a written response with the documentation used to verify the reported data.

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 2025-11-04 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-04 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: SC

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I signed to be coborrower on the loan. They listed me as the borrower instead and have never respond to me on how to correct this. Now they have allowed the co borrow they listed to defer payment without my approval!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report these remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am writing to respectfully request a review of the late payment ( s ) reported on my account. These occurred while I was incarcerated a situation that caused a temporary but significant hardship. I have since resumed regular payments and am doing everything I can to maintain a positive financial record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I recently looked at my credit report and I noticed errors with my personal information : This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX  SS # : XXXX As far as I know by the laws and regulations, any and all others are inaccurate and outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file. 

Please Delete immediately! this items listed below as it is inaccurate and mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate and delete 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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
DEFENDANTS DEMAND FOR VERIFIED BILL OF PARTICULARS MIDLAND CREDIT MANAGEMENT , XXXX, Plaintiff, against XXXX XXXX, Defendant. 

Index No. : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX for Plaintiff XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX PLEASE TAKE NOTICE that, pursuant to CPLR 30413044, the Defendant, XXXX XXXX, hereby demands that the Plaintiff serve a Verified Bill of Particulars within thirty ( 30 ) days after service of this demand, setting forth in detail the following particulars : The full name and address of the original creditor. 

The date the alleged account was opened and the account number. 

The date and amount of the last payment alleged to have been made on the account. 

A detailed breakdown showing how the alleged balance of {$1200.00} was calculated, including all fees, interest, and charges. 

The date, terms, and consideration of any alleged assignment, sale, and transfer from XXXX XXXX  XXXXo Midland Credit Management , XXXX. 

Copies of all Bills of Sale, Purchase Agreements, and Contracts of Assignment showing the transfer of this specific account. 
Copies of any original signed credit agreement, cardmember agreement, or application alleged to create the debt. 

Copies of all monthly statements, records, or other documents Plaintiff intends to rely upon at trial to prove ownership and the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
1. Charged Off Accounts : I am disputing the following accounts listed on my Experian report : XXXX XXXX XXXXXXXX XXXX Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} This account shows as charged off but has not been updated with accurate payment details and balance. 

XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} This account shows an inaccurate balance that needs correction. 

XXXX XXXX XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$890.00} The balance on this account is incorrect. Please ensure that it is updated. 

XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$13000.00} This account is reporting a higher balance than expected. I request a review and update. 

XXXX XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$390.00} This account has discrepancies with its balance, which needs correction. 

XXXX, Account # XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} The balance on this account is incorrect and needs to be rectified.

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 2025-11-04 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: NY

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts XXXX XXXX XXXX XXXXXXXX, XX/XX/year>, {$1000.00} Inquiries : None listed for TransUnion. 

XXXX XXXXXXXX  : None listed for TransUnion. 

Late Payments : 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 2025-11-04 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: MD

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 2025-11-04 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: AL

Complaint narrative:
I am writing to dispute several negative items listed on my credit report. Upon reviewing my report, I have noticed inaccuracies regarding the following accounts, and I am requesting a reinvestigation. 
The accounts I am disputing are as follows : 1. XXXX XXXX XXXX XXXX Account Status : Collection/Charge-Off o Balance : [ Amount ] o This account has been incorrectly reported, and I ask that you investigate this matter. 
XXXX. XXXX XXXX XXXX XXXX Account Status : Charge-Off o Balance : {$320.00} XXXX I believe the charge-off status is incorrect. Please verify this information. 
XXXX. XXXX ( XXXXXXXX XXXX XXXX Account Status : Collection XXXX  Balance : {$550.00XXXX XXXX This account appears to be inaccurately reported. Please verify its status. 
XXXX. XXXX XXXX XXXXXXXX XXXX Account Status : Charge-Off XXXX Balance : {$550.00} o I dispute this charge-off entry and request that it be investigated. 
XXXX. XXXX XXXX XXXXXXXX XXXX  Account Status : Charge-Off XXXX I believe this account has been incorrectly marked as a charge-off, and I request verification.

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 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I have informed this company not to call me or references and they have continued and repeatedly done so. I have asked them to only communicate with me via us mail and they refuse to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cawley & Bergmann, LLP
State: OK

Complaint narrative:
ON XX/XX/XXXX @ XXXX HOURS THE COLLECTOR STATED THIS ACCOUNT WAS IN " PRE LITIGATION '' STATUS AND PROCEEDED TO LIST OFF ALL THE THINGS THAT COULD HAPPEN SUCH AS WAGE GARNISHMENT, ETC. 

COLLECTOR PROCEEDED TO LIST OFF ACCOUNTS ON MY CREDIT REPORT, INCLUDING THE TRUCK I PURCHASED IN XXXX ( AS MY PREVIOUS ONE HAD BROKEN DOWN ) AND ALL THE CREDIT CARDS THAT I COULD POSSIBLY PUT THIS DEBT ON. THE COLLECTOR MADE THE INSINUATION THAT IF I CAN AFFORD A {$600.00} A MONTH TRUCK PAYMENT I CAN AFFORD TO PAY OFF THE DEBT.

THE AGENT ATTEMPTED TO BULLY ME INTO PAYING THE DEBT, THROUGH SCARE TACTICS OF LEGAL AVENUES AND OUTCOMES ALONG WITH BEING BULLIED BT ATTEMPTING TO TELL ME WHAT I SHOULD DO WITH MY CREDIT LINES TO RESOLVE THE DEBT ON XX/XX/XXXX @ XXXX HOURS ANOTHER FEMALE AGENT CALLED ME I ADVISED HER I WILL THINK ABOUT THE RESOLUTION AND GET BACK TO THE COMPANY. SHE STATED " WHAT IS THERE TO THINK ABOUT? '' I STATED " COMING UP WITH THE MONEY '' AND SHE STATED " I MEAN, DID YOU NOT HAVE THE MONEY WHEN YOU SIGNED UP FOR THE LOAN? '' I ADVISED I HAD TRIED TO MAKE SOME GOOD FAITH PAYMENTS IN THE PAST. SHE OFFERED A 'HARDSHIP PLAN ' WHICH I STATED I WILL CONSIDER AFTER TALKING TO MY SPOUSE. SHE STATED " WHERE IS YOUR WIFE? '' I STATED " AT WORK '' AND THE AGENT PROCEEDED TO SAY " WELL WHAT IS HER NUMBER AND WE WILL DO A CONFERENCE CALL AT WORK '' AND I STATED, " WE WILL NOT CALL MY WIFE AT WORK '' THE AGENT TOLD ME " I KEEP AVOIDING THE SITUATION AND KEEP COMING UP WITH EXCUSES AND THIS THAT AND THE OTHER '' THE AGENT AS WELL AS THE FIRST ONE WAS ATTEMPTING TO BULLY ME INTO MAKING PAYMENT ON THIS DEBT BY INSINUATING THAT THIS DEBT WAS IN A " PRE LITIGATION STATUS '' THESE ARE ONLY TWO OF MULTIPLE CALLS FROM THIS FIRM USING THE SAME HARASSING TACTICS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report. 

2. Identity Theft XXXX XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this 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 2025-11-04 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation