vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: KS

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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 XXXXXXXX | XXXX  XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXXXXXX XX/XX/year> XXXX  XXXX XXXX  XXXX XX/XX/year>.

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 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
In XX/XX/year>, XXXX  XXXX XXXX offered to settle my Alaska XXXX XXXX XXXX account for {$11000.00}. I made a {$650.00} payment on XX/XX/year>, toward this settlement. Despite this, XXXX  XXXX XXXX failed to honor the settlement and continued collection activity. 

Over the following months, I disputed the debt in writing multiple times and requested verification of the information. I never received proper validation. Instead, the account was passed through at least three different collectors, and XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, filed a lawsuit in XXXX XXXX XXXX XXXX ( Case No. XXXX ). 

The lawsuit now demands {$13000.00} an amount inconsistent with the settlement agreement and my payment. At other times, different balances have been reported ( including {$16000.00} ), showing false and conflicting information. My credit report currently shows the account as charged off for {$13000.00} while I am simultaneously being sued for the same amount. 

This conduct has caused financial, credit, and personal harm. I believe it violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) continuing collection without validation ; 1692e false or misleading representations ). 

I am a veteran living with XXXX, anxiety, XXXX, and XXXX. Each time I am forced to respond to this case, it triggers stress responses that harm my health and well-being. 

I am requesting that the CFPB require XXXX  XXXX XXXX and its attorneys to : 1. Cease collection activity on this disputed debt.

2. Correct and update my credit reporting.

3. Honor the original settlement terms.

Supporting documents are attached, including a settlement letter, proof of payment, dispute letters, court filings, and a credit report excerpt.

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 2025-09-25 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: MD

Complaint narrative:
I had purchased a truck back in XXXX and during the initial possesion of the truck it was having check engine light issues and i got a loaner for a while got truck back still having check light issues.I make XXXX payment and i guess XXXX XXXX repossesed my vehicle. So it was such a big amount to get my truck back, i could not afford the price they were asking to get the truck back, it was like XXXX XXXX. Anyway from that time in XXXX XXXX that they took the truck they have been reporting on my credit reports late payments. So i call up to XXXX XXXX in XX/XX/XXXX and try to figure out why my acccount was saying 97 % paid and if i owed them any payments. Come to find out XXXX XXXX said that i never owed anything to them because the dealership where i had purchased the truck had bought the truck back. They sent me an email saying as much.So in essence for almost three years these credit reporting places ( equfax Experian and TransUnion ) have been falsely reporting my credit score, worthiness and late payment status.I have been inconvenienced and denied my full faith and credit based on this consistently inaccurate credit reporting history. It definitely seems like i was conspired against by all parties involved.This is still going on close to 35 months later.

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 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Tx. XXXX XXXX MIDLAND CREDIT MANAGEM Subject : Debt Validation Request Dear Recovery Agency Representative, I am writing to formally request validation of the debt you claim I owe under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ). I recently reviewed my credit report and I noticed the following account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount Claimed : {$18000.00} According to my rights, I request that you provide written verification of this debt, including : Proof that I owe this debt, such as a signed agreement or original contract. 

The name and address of the original creditor ( if different from your agency ). 

An itemized breakdown of the amount owed, including principal, interest, and fees. 

Proof that your agency is authorized to collect this debt on behalf of the creditor. A copy of the purchase agreement. 

A copy of any judgment ( if applicable ) related to this debt. 

If you can not provide this information, I request that you cease collection efforts and remove this account from my credit report. Per FDCPA regulations, all collection activity must stop until this debt is properly validated. 

Please respond within 30 days of receiving this request. Additionally, I request that all future communication be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: AL

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the C
FPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting age
ncy may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX  Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Account XXXX Open Date XX/XX/XXXX MEDICAL Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, Equifax XXXX and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
To whom it may concern, This matter concerns CFPB Case Number XXXX and Equifaxs ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ) despite being provided with full documentation of identity theft, including an FTC Identity Theft Report ( Report No. XXXX ) IDTheftReport_XXXX, government-issued identification, and a detailed written dispute. 

On XX/XX/XXXX, I formally disputed fraudulent accounts and demanded their removal. These include : XXXX : Account # XXXX XXXX XXXX, opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  : Account # XXXXXXXX XXXX XXXX, opened XX/XX/XXXXXXXX XXXX * XXXX  XXXX IDTheftReportXXXX Equifax has clear statutory obligations under 15 U.S.C. 1681c-2 ( a ) ( blocking fraudulent information within 4 business days ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( completing reinvestigation within 30 days ). Yet, Equifax has failed to act, instead stalling with delays and non-substantive responses. Such inaction is not only non-compliance it is a willful violation of federal law.

Each day Equifax continues reporting these false accounts, it knowingly damages my credit profile and subjects me to ongoing harm. This is not a clerical mistake ; it is gross negligence and willful misconduct that directly infringes upon my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I was provided written documentation that all activity from the XXXX XXXX merchant would stop on my account on XX/XX/year>. On XX/XX/year> there was a {$40.00} withdrawal from that merchant, XX/XX/year> I had to wait until the payment was no longer pending to file a dispute, XX/XX/year> my dispute was lost and I was told because there was no error found. I contacted the company and was told that I should have pre blocked the merchant in app before the funds were taken from my account. If email was received that All activity is stopped from the said merchant how was the transaction made possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 am a victim of identity theft. The following accounts and inquiries were opened in my name without my knowledge, authorization, or consent. I did not apply for or benefit from them. I previously submitted an FTC Identity Theft Report, and despite providing proof, these fraudulent accounts and inquiries continue to report inaccurately. This has caused significant harm to my credit and has prevented me from obtaining credit approvals..

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. The following accounts and inquiries were opened in my name without my knowledge, authorization, or consent. I did not apply for or benefit from them. I previously submitted an FTC Identity Theft Report, and despite providing proof, these fraudulent accounts and inquiries continue to report inaccurately. This has caused significant harm to my credit and has prevented me from obtaining credit approvals..

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 2025-09-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
I and my assistant called the company 18 times between the dates of XX/XX/XXXX and XX/XX/XXXX to resolve the total loss of the vehicle which triggers lease termination by the terms of our contract. They last indicated the vehicle was to be picked up and it was abandoned on my property and impounded. 
I opened 5 separate cases to upload documentation of total loss, request updates, notify of abandonment and demand that they stop billing which were closed without resolution I sent certified letter/fax/overnight mail notifications and requests for updates, notification of status, request to pick up vehicle and demand to stop billing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX They acknowledged receipt of complaint through the portal and my faxes and certified/overnight mail was tracked. I received no communication from the time I called on XXXX when they continued to demand payment on a terminated lease that they violated their own contract on. I have requested they contact me in writing to settle and they have not. They have now reported me to credit bureaus twice and have not ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account is closed but still reporting open on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I sent {$3500.00} through Cash App to user handle XXXX XXXX, identified as XXXX XXXX. XXXX XXXX falsely represented herself as a legitimate business to secure this payment. The funds were sent under the agreement that she would provide specific services. Once the payment was received, no services were provided, and she has since refused to return the funds or respond to my attempts to resolve the matter. 

I have substantial documented evidence, including : Screenshots of the Cash App transaction. 
Screenshots of text messages showing clear misrepresentation and refusal to return the funds. 
A timeline of events demonstrating her fraudulent intent. 

Actions I have taken : Attempted to resolve the matter directly through multiple communications with XXXX XXXX. 
Filed a fraud claim with Cash App, which was denied despite providing clear evidence that the recipient falsely posed as a business. 
On XX/XX/year>, I sent a formal demand message, giving her XXXX hours to return the funds before pursuing legal action. 
Filed a police report with local law enforcement in XXXX XXXX ( Report # XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX ). 

This is a clear case of fraudulent misrepresentation and theft by deception. I am requesting that this complaint be fully investigated, that Cash App be required to reimburse the stolen funds, and that action be taken to prevent similar fraudulent activity in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: KS

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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 XXXXXXXX | XXXX  XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXXXXXX XX/XX/year> XXXX  XXXX XXXX  XXXX XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: KS

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately 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 XXXXXXXX | XXXX  XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX XXXXXXXX XX/XX/year> XXXX  XXXX XXXX  XXXX XX/XX/year>.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2025, I disputed multiple charge-off accounts with Equifax, Experian, and TransUnion by certified mail. The accounts in dispute are : XXXX XXXX ( Acct ending XXXX ) listed as paid/charge-off XXXX  ( Acct ending XXXX ) listed as paid/charge-off XXXX ( Acct ending XXXX ) listed as paid/charge-off XXXX XXXX XXXX  ( Acct ending XXXX ) charge-off with reported balance XXXX XXXX XXXX ( Acct ending XXXXXXXX XXXX  XXXX ) charge-offs with reported balances Despite my disputes , the bureaus have not provided proper verification or documentation of these accounts. The Fair Credit Reporting Act requires : 15 U.S.C. 1681i a reasonable reinvestigation of disputed information within XXXX  days. 
15 U.S.C. 1681s-2 furnishers must only report accurate and complete information.

15 U.S.C. 1681c negative information can not remain beyond XXXX  years. 
The bureaus failed to comply with these requirements and continue to report these charge-offs without sufficient verification. 

Requested resolution : Delete the disputed charge-off accounts from my credit file.

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 2025-09-25 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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