vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Dear Midland Credit Management, I am formally requesting validation and verification of the debt you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay but a request for proof and full validation of the alleged debt.

I request the following : 1. A copy of the original contract or agreement that you claim I signed, showing I agreed to this debt.

2. The name and address of the original creditor, and the full account number.

3. A full accounting or breakdown of the debt amount, including how you calculated interest, fees, and other charges.

4. Proof that you have the legal authority to collect this debt and that the debt is within the statute of limitations for my state.

5. Verification that you are licensed to collect debt in my state, including your license number and issuing agency.

Until you provide all of the above documentation, please cease all collection activity and do not report this account to the credit bureaus. If you already have, I am demanding that you immediately remove it until proper validation is provided.

Additionally, if you do not respond within 30 days, or if you can not validate the debt, you must remove this account from my credit report under the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

Please note that I am keeping records of all communications regarding this matter. I reserve the right to file a complaint with the CFPB, FTC, and my state attorney generals office if this request is not honored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-07-24 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:
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 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 2025-07-24 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 have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: SC

Complaint narrative:
b'To Whom It May Concern,\n\nI am filing this complaint regarding an inaccuracy on my credit report involving the same XXXX XXXX XXXX credit card account being reported XXXX   XXXX  by the original creditor and XXXX  by the debt collector  each showing the same balance of XXXX.\n\nSpecifically:\n\nThe original XXXX XXXX XXXX account is marked closed, but it still reflects a balance of XXXX, with no mention that it was transferred or sold.\n\nA collection account has been opened by another company using the same account number and same balance XXXX, suggesting the debt is still active in XXXX  places.\n\nThis constitutes duplicate reporting, also known as "double jeopardy reporting," which is misleading, inaccurate, and damaging to my credit profile.\n\n Violations of Law:\n FCRA  607(b)  15 U.S.C.  1681e(b):\nConsumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Allowing the same debt to be reported XXXX   especially with a balance still listed under both the original and collection account  is inaccurate and misleading.\n\n FCRA  609 &  611  15 U.S.C.  1681g and  1681i:\nI have the right to dispute incomplete or inaccurate information and request a full investigation and correction.\n\n The XXXX XXXX  Credit Reporting Standards (used by all XXXX  credit bureaus):\nWhen a debt is sold or transferred, the original creditor is required to update the balance to XXXX and mark the account as transferred/sold, while the debt buyer or collector takes over. This prevents double balance reporting  which is not only improper, but harmful.\n\n Resolution Requested:\nI am formally requesting the following corrective actions:\n\nRemove the negative Reported Item(s) from my credit report and Provide written confirmation that these corrections have been made to my credit report.\n\nI am submitting this complaint to the Consumer Financial Protection Bureau (CFPB) with supporting documentation and request that this issue be addressed in compliance with the Fair Credit Reporting Act.\n\nThank you for your time and immediate attention to this matter.\n\nSincerely,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 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1000.00} XXXXXXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$520.00} XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$510.00} INQUIRIES : XXXX XXXX Date : 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 2025-07-24 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 submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the XXXX XXXX XXXXXXXX. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report. 
These include, but are not limited to : Personal credit card ( XXXX ) auto loan ( XXXX ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof. 
I am requesting that all fraudulent accounts, collections, and inquiries related to the XXXX XXXX XXXX be permanently removed from my credit file within XXXX business days in accordance with FCRA 605B

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 2025-07-24 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed that i was a victim of XXXX XXXX. I also noticed that i have fraudulent accounts on my report that i do not recognize and i did not authorize. I would ask that these fraudulent accounts be removed from my credit report as they are hurting me acquire new credit. Thank you

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 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Valley Receivables
State: CA

Complaint narrative:
I worked for XXXX XXXX XXXX XXXX. Childcare was free for me and never got charged. They said they would never charge. Why am I getting charged and now sent to collection! That is not okay.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-24 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:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 non-monetary relief
Consumer complaint received 2025-07-24 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-24 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: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of XXXX XXXX. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-07-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A credit card opened up in my name a couple years back. It was a capital one XXXX platinum. It was under my name but not my address. I tried disputing this before but was told I had to pay it. It doesnt make sense to me if I never used this card for me to pay it and suffer from bad credit for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
Subject : Fraudulent Accounts and Inquiries on My Credit Report Due to Identity Theft No Resolution from Credit Bureaus Description : I am a victim of identity theft. My personal information was compromised due to multiple data breaches involving my email address ( XXXX ), which is documented by public breach databases like Have I Been Pwned. Ive attached a screenshot of this as evidence. 

As a result, fraudulent accounts and/or inquiries have been added to my credit reports with Equifax, Experian, and TransUnion. I did not authorize or open these accounts, and they are harming my credit. 

I followed all proper steps : I filed a formal FTC Identity Theft Report I submitted written disputes by certified mail to each credit bureau I included a copy of my ID, proof of address, and supporting documentation Under FCRA 605B, the credit bureaus are required to block and remove items resulting from identity theft within 30 days. I have not received proper resolution or confirmation that these items were removed. Some bureaus have delayed, ignored, or given generic responses without addressing the fraudulent nature of these accounts. 

I am requesting the CFPB ensure : All fraudulent items be immediately removed or blocked Bureaus comply with the law and provide me with updated credit reports That I am not held liable for any fraudulent activity tied to these accounts I am prepared to pursue legal action if these items remain unresolved. Im requesting swift CFPB intervention to help enforce my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MI

Complaint narrative:
Subject : Fraudulent Accounts and Inquiries on My Credit Report Due to Identity Theft No Resolution from Credit Bureaus Description : I am a victim of identity theft. My personal information was compromised due to multiple data breaches involving my email address ( XXXX ), which is documented by public breach databases like Have I Been Pwned. Ive attached a screenshot of this as evidence. 

As a result, fraudulent accounts and/or inquiries have been added to my credit reports with Equifax, Experian, and TransUnion. I did not authorize or open these accounts, and they are harming my credit. 

I followed all proper steps : I filed a formal FTC Identity Theft Report I submitted written disputes by certified mail to each credit bureau I included a copy of my ID, proof of address, and supporting documentation Under FCRA 605B, the credit bureaus are required to block and remove items resulting from identity theft within 30 days. I have not received proper resolution or confirmation that these items were removed. Some bureaus have delayed, ignored, or given generic responses without addressing the fraudulent nature of these accounts. 

I am requesting the CFPB ensure : All fraudulent items be immediately removed or blocked Bureaus comply with the law and provide me with updated credit reports That I am not held liable for any fraudulent activity tied to these accounts I am prepared to pursue legal action if these items remain unresolved. Im requesting swift CFPB intervention to help enforce my rights under the Fair Credit Reporting Act.

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 2025-07-24 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX  - Account Number : 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 Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NV

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the XXXX  data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report. 
These include, but are not limited to : Personal credit card ( s ) auto loan ( s ) Personal loan account ( s ) One or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof. 
I am requesting that all fraudulent accounts, collections, and inquiries related to the XXXX  data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B

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