vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Adler Wallach & Associates, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX AdlerWallach & Associates, Inc . 
XXXX XXXX XXXXXXXX Re : Alleged Account # XXXX XXXX XXXX XXXX XXXX  ( AUTOMOBILECLUB ) XXXX XXXX XXXX NOTICE TO CEASE AND DESIST ALL COLLECTION COMMUNICATIONS I, XXXX XXXX XXXX XXXX XXXX, hereby exercise my rights under *

* 15U.S.C.1692c ( c ) * * of the Fair Debt Collection Practices Act and demand that AdlerWallach & Associates , Inc . immediately * * cease all communication * * with me regarding the abovereferenced account. * * * Do not * * call, text, email, mail, or otherwise contact me. * * * Do not * * contact my relatives, employer, or any third party except as permitted once solely to confirm my location. * You may send only one of the two communications allowed after a ceaseanddesist : 1. Written confirmation that you are terminating collection efforts, * * or * * 2. Written notice of a specific legal remedy you intend to pursue. This notice does * * not * * constitute an admission of liability, nor does it waive my right to dispute the alleged debt. Any further contact beyond the two statutory exceptions will be documented as a willful violation of the FDCPA and reported to the * * Consumer Financial Protection Bureau * *, the * * Missouri Attorney Generals Office * *, and any other relevant regulatory body. Please direct any permissible correspondence to the mailing address above. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
In accordance with the Fair Credit Reporting Act Convergent Account # 515676804768 has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AZ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) P.O. Box 27170 Washington, D.C. 20038 CC : [ Equifax/Experian/TransUnion Subject : Formal Dispute Request for Immediate Deletion of All Accounts Due to Identity Theft and Privacy Violations under 15 U.S.C. 1681 ( FCRA ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of all accounts and personal information from my credit report that were obtained and reported as a result of identity theft and a data breach, in violation of my federally protected privacy rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Under 15 U.S.C. 1681b, credit reporting agencies are strictly limited in how they obtain and share consumer information. My personal and financial information was compromised without my consent in a known or suspected data breach, and it has been used to open unauthorized accounts in my name.

According to 15 U.S.C. 1681c-2, a consumer has the right to request the blocking or removal of any information resulting from identity theft. I am exercising that right now. I am also referencing my filed FTC Identity Theft Report as evidence. FTC Report # : XXXX I appreciate your prompt attention to this matter and expect full compliance within the FCRA-prescribed timeline. 
Sincerely, 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 2025-07-28 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX  XXXX  XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX, XXXXXXXX XXXX  - Incorrect Personal These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: RI

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute of both the tradeline and personal information being reported on my credit file.

Firstly, I am disputing the inaccurate address listed on my XXXX report. The address " XXXX XXXX XXXX XXXX XXXX XXXX  RI '' is outdated and incorrect. I no longer reside at that location and request it be removed from my credit file in accordance with 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain accurate records Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2, the information you report must be 100 % accurate, verifiable, and complete. After reviewing my records, I have found this account to be : - Unverifiable debt - no original contract or itemized statement provided- Incomplete chain of title- Inaccurate dispute notation This is in violation of : - 15 U.S.C. 1681i - Reinvestigation of disputed information- 15 U.S.C. 1681e ( b ) - Reasonable procedures to assure maximum possible accuracy- 15 U.S.C . 1692g ( b ) - Debt collector 's obligation to validate deb

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
Not sure why this company is requesting a debt be paid to them. Any past due tolls are paid to FLDOT. This company must have picked up an old debt that was resolved. Or I would not be able to pay debts to FLDOT. I request a cease and desist because collection companies writing me for {$79.00} and including their charge of {$37.00} is illegal. 

Per my concerns, the above-referenced account should be marked Cease and Desist. I pay FLDOT directly. Not a collections firm. Does FLDOT require by law that this company contact me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have an active credit freeze on all three credit reporting bureaus. On XX/XX/year>, Equifax granted access to my credit report to XXXX XXXX XXXX. 
The reason XXXX gave was account review inquiry. The problem is the account review inquiry privilege is for accounts that a consumer already has a relationship with. I do not have an account with XXXX nor have I had an account w/ XXXX for over 15 years. 
Additionally, there has not been an application or inquiry for credit, financing or any services from the company. They had no lawful reason to access my account and were able to do so because Equifax allowed it despite an active credit freeze. 

Equifax also allowed two credit reports on XX/XX/XXXX and XXXX even though my account had an active credit freeze in place. To summarize, my credit report was accessed three times unlawfully the past three months during an active credit freeze because Equifax allowed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-28 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:
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  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3600.00}

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 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rubin & Rothman, LLC
State: ME

Complaint narrative:
I am filing this second complaint regarding ongoing violations committed by the law firm Rubin & Rothman , LLC in connection with an alleged debt. In a previously submitted CFPB complaint, I described how they failed to provide required debt validation and disconnected calls when I attempted to assert my rights. Since then, I have discovered a second and extremely serious violation : in the summons and legal filings, Rubin & Rothman falsely listed XXXX XXXX as the creditor, when in fact Synchrony had already charged off and sold the debt to a third-party debt buyer XXXX  XXXX XXXX I personally contacted XXXX XXXX, and they confirmed they no longer own the account. At no point was I informed of this transfer prior to the lawsuit, nor did Rubin & Rothman disclose XXXX XXXX as the actual debt owner. This is a material misrepresentation and deceptive legal practice that undermines the entire basis of the lawsuit and violates both the Fair Debt Collection Practices Act ( FDCPA ) and New York General Business Law 349, which prohibits deceptive business conduct. Listing the wrong creditor in court filings is not a clerical error it is a deliberate omission of the true party in interest, denying me the ability to properly respond or challenge the claim. I am filing this new complaint because this second violation is distinct, extremely serious, and merits separate investigation and enforcement action.

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 2025-07-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX - XXXX - Account not mine XXXX XXXX XXXX XXXX  - Account not mine XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXX  - Account not mine

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 2025-07-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( XXXX ) on my credit report, as allowed under XXXX XXXX. XXXX : XXXX XXXX XXXX - Account not mine XXXX XXXX XXXX XXXX XXXX  XXXX - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX - XXXX - Account not mine XXXX - XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: FL

Complaint narrative:
XX/XX/year> : I filed a dispute with TransUnion regarding the XXXX  XXXX XXXX  XXXX ( Acct XXXX XXXX XXXX XXXX XXXXXXXX ) and provided exhibits showing missing XXXX, improper XXXX progression, and payment-amount mismatches ( Ex. XXXX  ). 
Today ( XX/XX/year> ) : I received a form letter stating TransUnion wont process requests unless sent directly by me or an authorized third party, refusing to reinvestigate my dispute. 
This violates FCRA 611 ( a ) ( 1 ), which requires TransUnion to conduct a reasonable reinvestigation within 30 days of receiving my dispute.

Requested resolution : Direct TransUnion to complete the reinvestigation, correct or delete the tradeline, and provide me the results in writing.

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 2025-07-28 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: KY

Complaint narrative:
I am disputing the charge-off reported by XXXX, XXXX it is inaccurate due to an improper investigation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and reasonable investigation. No supporting documentation verifying the debts accuracy, ownership, or balance has been provided. The previous investigation appears to have been automated and incomplete, violating my rights under FCRA XXXX. I am requesting this charge-off be deleted from my credit report as it was not properly verified. Please provide remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am disputing the charge-off reported by XXXX, XXXX it is inaccurate due to an improper investigation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fair and reasonable investigation. No supporting documentation verifying the debts accuracy, ownership, or balance has been provided. The previous investigation appears to have been automated and incomplete, violating my rights under FCRA XXXX. I am requesting this charge-off be deleted from my credit report as it was not properly verified. Please provide remove the account.

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 2025-07-28 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: GA

Complaint narrative:
Per 15 USC 1681 ( b ) I did not give written consent permissible purpose in my wet signature to obtain or furnish my consumer report. No consent is fraud. I did not authorize the listed accounts or inquiries to report to my consumer credit reports. Block & remove the accounts and inquiries immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
XXXX sent me a tax statement in the amount of {$1800.00} I had to claim this on my taxes. I asked them to remove it from my report since I had to report this as income. It should no longer be on my report. Kindly have them remove it.

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 2025-07-28 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS XXXX  ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS XXXX XXXX XXXX  AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX XXXX CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-28 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-28 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief