vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im a victim to identity theft due to unauthorized use of my social security number. XXXX XXXX XXXX {$860.00}

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 2025-07-12 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am formally demanding that you immediately cease all collection efforts related to the aforementioned account, including but not limited to phone calls, letters, emails, or any other forms of communication. Additionally, you are required to refrain from reporting, or continuing to report, any negative or derogatory information regarding this account to any credit reporting agencies. Please be advised that any further attempts to collect on this disputed and unverified debtdespite having been notified of my position and provided with an identity theft reportmay be considered a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), as well as other applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: DE

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to remove unverified accounts from my credit report despite receiving multiple written disputes. Under the FCRA, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), I have the right to request validation of any information reported on my credit file. These accounts have not been verified and no proper documentation was provided. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-12 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-12 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 submitted a formal dispute to Experian regarding an inaccurate tradeline reported by XXXX XXXX XXXX, collected by XXXX XXXX XXXX XXXX ( partial account number XXXX ). 

The account is inaccurate because the charge-off balance reported exceeds the original loan balance, and Experian failed to verify this information with original documentation, such as a signed contract or full payment ledger.

I provided Experian with an affidavit of inaccuracy, proof of identity, and a detailed dispute letter citing specific violations of the Fair Credit Reporting Act ( FCRA ), including : Failure to properly investigate my dispute ( FCRA 1681i ( a ) ) Failure to maintain maximum accuracy ( FCRA 1681e ( b ) ) Continuing to report disputed inaccurate information without proper verification ( FCRA 1681s-2 ( b ) ) Despite my efforts and a final notice letter sent to Experian, the account remains on my credit report. Experian has not provided documentation or proof of verification and is reporting inaccurate and unverifiable information that damages my creditworthiness.

I am requesting the CFPB assist in compelling Experian to immediately delete this inaccurate account from my credit report and to cease further reporting of unverifiable information. Continued reporting after failing to conduct a reasonable reinvestigation is a willful violation of federal law ( FCRA 1681n and 1681o ).

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 2025-07-12 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: Johnson Mark LLC
State: ID

Complaint narrative:
On XX/XX/XXXX of XXXX I received a debt collection letter from XXXX XXXX who were being represented by Johnson Mark, LLC out of XXXX Utah but they were using Idaho Attorneys, that's the name of the firm. On XX/XX/XXXX of XXXX  I sent a debt verification letter to XXXX to begin the debt verification process, on on XX/XX/XXXX of XXXX I checked the XXXX XXXX  as I am in Idaho and noticed they, Johnson Mark LLC filed a complaint on XX/XX/XXXX of XXXX. Still to this day I have never received their end of the debt verification. I didn't get served until XXXX of XXXX, due to the fact they know they filed too soon, I'm also in my XXXX year of being a paralegal too. I walked away from three default judgment in my county courts and that care ended up being dismissed. I also found out that the attorneys behind Johnson Mark LLC are not real they are people by the names of XXXX XXXX, XXXX XXXX and XXXX XXXX. I figured this out from sending emails to the email provided by them calling them these names with only one response that I'm not in their system. 

In XXXX  I got served again in XXXX and they did file anything else until XX/XX/XXXX and that was to change the attorney of record. They then waited to file for default judgment under a different judge and it was granted but they have not done anything with that judgement. 

These are phantom attorneys with phantom debt and is a part of me being targeted because of my career. I have proof of this as well but it too much to upload here. Please let me know where you would like it sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Called and spoke with representative from Jefferson Capital System, representative informed me that he could help me solve my problem, delete account if its fraudulent and didnt help me in any way instead he mentioned other accounts on my credit report and was trying to get to lock in a monthly deal to have them removed I told him Im not locking into something that Ive never received and unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
The problem is there was no action taken I just woke up to account closer and never received no response why.

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 2025-07-12 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: LEXISNEXIS
State: FL

Complaint narrative:
company is stating that they have verified the disputed item with the source, company claims that information is verified from the source. 
However, when i asked the source for the verification process, source states clearly that they do not verify any information, nor do they communicate in anyway and that the company is lying about the verification process and their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I'm disputing this account ( XXXX XXXX  ) Account # XXXXXXXX XXXX XXXX XXXX XXXX the original creditor has charged it off and sold the debt to another lender ( XXXX XXXX XXXX, but it's still reporting as a collection/charge-off even though the balance is {$0.00}.

Since the original creditor no longer owns this debt, it should not continue to report a derogatory status. This is misleading and may violate the Fair Credit Reporting Act ( FCRA ), which requires credit information to be accurate and not misleading.

Please investigate and remove this 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 non-monetary relief
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-12 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: ID Analytics, Inc.
State: TX

Complaint narrative:
I experienced a foreclosure on my home that was directly connected to financial abuse and coercive control I endured during a prolonged period of XXXX XXXX. This included severe restrictions on my ability to earn, control, or manage money independently. As a result, I was unable to maintain stable housing or make informed financial decisions.

Despite no longer being under coercion, the long-term economic consequences of XXXXincluding mortgage delinquency and property losscontinue to appear across specialty consumer reports such as those maintained by XXXX, XXXX, and XXXX. These agencies aggregate and share this information with lenders, which places me at risk of further denial of housing and credit opportunities. Although I have exercised my rights under FCRA Section 605C, these agencies either continue to report this data or have not confirmed suppression. 

I have also submitted documentation of my XXXX XXXX  status to all major credit bureaus, who have acknowledged my request and removed or suppressed the adverse information accordingly. However, the specialty consumer reporting agencies appear to operate outside this framework or lack transparency in their procedures for 605C compliance.

I am filing this complaint to ensure that all consumer reporting agencies, including those outside the big three, honor the legal protections extended to survivors like me. The continued presence of this data retraumatizes victims and violates federal consumer protection law.

I respectfully request the CFPBs assistance in enforcing Section 605C compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
On XX/XX/XXXX of XXXX I received a debt collection letter from Midland Credit who were being represented by XXXX XXXX, XXXX out of XXXX Utah but they were using Idaho Attorneys, that's the name of the firm. On XX/XX/XXXX of XXXX I sent a debt verification letter to Midland to begin the debt verification process, on on XX/XX/XXXX of XXXX I checked the XXXX XXXX as I am in Idaho and noticed they, XXXX XXXX XXXX filed a complaint on XX/XX/XXXX of XXXX. Still to this day I have never received their end of the debt verification. I didn't get served until XXXX of XXXX, due to the fact they know they filed too soon, I'm also in my XXXX year of being a paralegal too. I walked away from three default judgment in my county courts and that care ended up being dismissed. I also found out that the attorneys behind XXXX XXXX XXXX are not real they are people by the names of XXXX XXXX, XXXX XXXX and XXXX XXXX. I figured this out from sending emails to the email provided by them calling them these names with only one response that I'm not in their system. 

In XXXX I got served again in XXXX and they did file anything else until XX/XX/XXXX and that was to change the attorney of record. They then waited to file for default judgment under a different judge and it was granted but they have not done anything with that judgement. 

These are phantom attorneys with phantom debt and is a part of me being targeted because of my career. I have proof of this as well but it too much to upload here. Please let me know where you would like it sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 seven years.

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.

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 2025-07-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-07-12 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: TX

Complaint narrative:
I filled a complaint through you all the CFPB regarding an accuracy reporting on my credit report through Equifax. I received a response from you all from Equifax stating that this account is CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Trade : REGIONAL ACCEPTANCE THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : REGIONAL ACCEPTANCE THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. this account is in fact reporting or my Equifax account in hurting my credit reporting. Im asking that it would be removed as they say it does not report on my credit file.

Company response to consumer: Closed with explanation