vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$19000.00}

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 non-monetary relief
Consumer complaint received 2025-06-23 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: TX

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The personal information on my credit report were outdated.

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 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Account Midland Credit Managem # XXXX 'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of XXXX  and discomfort and embarrassment.

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 2025-06-23 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 am submitting this formal complaint regarding several negative accounts on my credit report that are being inaccurately reported in violation of the Fair Credit Reporting Act ( FCRA ). These accounts have not been properly verified, contain outdated or misleading data, and have failed prior investigations. Under FCRA 611, 609 ( a ) ( 1 ), 607 ( b ), and 605 ( a ), I am demanding the immediate deletion of the following items from my credit profile. 
Disputed Accounts ( All Bureaus ) : XXXX XXXX XXXX ( XXXX - Acct # XXXX ) Issue : No signed contract or validation documentation has been provided to establish liability. Recycled medical/insurance debt is unverified. 

Violation : FCRA 609 ( a ) ( 1 ), 611 no full file disclosure or proof of ownership. 

XXXX XXXX XXXX XXXX XXXX XXXX ) Issue : Charged off and derogatory. Balance reporting has discrepancies and is not supported by signed agreements.

Violation : FCRA 607 ( b ) and 611 unverifiable debt and inaccurate reporting across bureaus. 

XXXX XXXX XXXX XXXX XXXXXXXX ) Issue : Charged off with conflicting account data between Experian and TransUnion.

Violation : FCRA 609 & 607 ( b ) no proof of consumer liability or validation of charge-off status. 

XXXX XXXX XXXX ( XXXX - Acct # XXXX ) Issue : Collection agency account with no supporting contract or validation. XXXX is disputed and unverifiable. 

Violation : 611 & 609 no proof provided despite prior disputes. 

XXXX XXXX ( Acct # XXXX ) Issue : Reported as charged off and transferred. No original loan documents or chain of ownership have been disclosed.

Violation : FCRA 609 ( a ) ( 1 ) can not confirm original creditor, terms, or balance validity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Issue : Charge-off with no available validation of credit agreement or payment history. 

Violation : FCRA 611 failure to verify data accuracy upon dispute. 

XXXX XXXX XXXX ( Acct # XXXX ) Issue : Repossession reporting is inconsistent. No paperwork or legal documentation proving repossession process was ever disclosed.

Violation : 607 ( b ) and 611 inaccurate and unverifiable reporting.

Action Requested : Immediate removal of all derogatory accounts listed above from TransUnion, Experian, and Equifax. 

Full disclosure of investigative results and all supporting documents under 609 ( a ) ( 1 ). 

Update of credit report within 30 days as required by law, or complete removal if verification is not possible.

Noncompliance will result in further legal escalation, including filing for damages as permitted under FCRA. I am requesting full resolution and written confirmation of account deletions. 

Sincerely, XXXX XXXX XXXX XXXX Date of Report : XX/XX/year>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 2025-06-23 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: TX

Complaint narrative:
I am submitting this formal complaint regarding several negative accounts on my credit report that are being inaccurately reported in violation of the Fair Credit Reporting Act ( FCRA ). These accounts have not been properly verified, contain outdated or misleading data, and have failed prior investigations. Under FCRA 611, 609 ( a ) ( 1 ), 607 ( b ), and 605 ( a ), I am demanding the immediate deletion of the following items from my credit profile. 
Disputed Accounts ( All Bureaus ) : XXXX XXXX XXXX ( XXXX - Acct # XXXX ) Issue : No signed contract or validation documentation has been provided to establish liability. Recycled medical/insurance debt is unverified. 

Violation : FCRA 609 ( a ) ( 1 ), 611 no full file disclosure or proof of ownership. 

XXXX XXXX XXXX XXXX XXXX XXXX ) Issue : Charged off and derogatory. Balance reporting has discrepancies and is not supported by signed agreements.

Violation : FCRA 607 ( b ) and 611 unverifiable debt and inaccurate reporting across bureaus. 

XXXX XXXX XXXX XXXX XXXXXXXX ) Issue : Charged off with conflicting account data between Experian and TransUnion.

Violation : FCRA 609 & 607 ( b ) no proof of consumer liability or validation of charge-off status. 

XXXX XXXX XXXX ( XXXX - Acct # XXXX ) Issue : Collection agency account with no supporting contract or validation. XXXX is disputed and unverifiable. 

Violation : 611 & 609 no proof provided despite prior disputes. 

XXXX XXXX ( Acct # XXXX ) Issue : Reported as charged off and transferred. No original loan documents or chain of ownership have been disclosed.

Violation : FCRA 609 ( a ) ( 1 ) can not confirm original creditor, terms, or balance validity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Issue : Charge-off with no available validation of credit agreement or payment history. 

Violation : FCRA 611 failure to verify data accuracy upon dispute. 

XXXX XXXX XXXX ( Acct # XXXX ) Issue : Repossession reporting is inconsistent. No paperwork or legal documentation proving repossession process was ever disclosed.

Violation : 607 ( b ) and 611 inaccurate and unverifiable reporting.

Action Requested : Immediate removal of all derogatory accounts listed above from TransUnion, Experian, and Equifax. 

Full disclosure of investigative results and all supporting documents under 609 ( a ) ( 1 ). 

Update of credit report within 30 days as required by law, or complete removal if verification is not possible.

Noncompliance will result in further legal escalation, including filing for damages as permitted under FCRA. I am requesting full resolution and written confirmation of account deletions. 

Sincerely, XXXX XXXX XXXX XXXX Date of Report : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IA

Complaint narrative:
The company has had received requests filed in XXXX, XXXX, and XXXX of 2025. They have not been compliant in sending itemized statements. The total amount prior to the collection agency getting involved was {$4000.00}. The collector states I still owed {$3200.00}. As this seems to high I requested the statements three times with no response after requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/scrub> 2025, I made a {$210.00} purchase using my Capital One card through a website called XXXX. The seller never shipped the items and later admitted to me via XXXX that they could not fulfill or refund the order because their bank blocked the transaction. I submitted clear evidence to Capital One, including the order confirmation and direct messages from the seller admitting they couldnt ship or refund. 

Capital One initially issued me a temporary credit but then denied the claim and reversed the {$210.00} back out of my account, even though I never received anything and provided full proof. 

I am now out of {$210.00}, and the bank has not protected me from a clear non-receipt of goods situation, which violates my rights under Regulation Z ( for credit cards ). I am asking for the CFPB to investigate and help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am opting out of any and all reporting of my information with Capital One. They have been reporting inaccurate information to XXXX  and XXXX. XXXX  and XXXX  did not complete a through and accurate investigation before putting this information on my report. I want this account removed completely from my report. I request a full and detailed report from each CRA. I would also like to be compensated from every party for each inaccurate report on my profile in accordance with the FCRA, for no less than {$1000.00} each. There are different verification dates, accounts ratings, payment statuses, closing dates, creditor remarks and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: Experian Information Solutions Inc.
State: PA

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 explanation
Consumer complaint received 2025-06-23 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: KY

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 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 non-monetary relief
Consumer complaint received 2025-06-23 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: KY

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: AZ

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-06-23 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: PA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX, Equifax, and XXXX  for continued reporting and collection of XXXX XXXX debt that is now legally void following the executive order to abolish the XXXX Department of Education. 

1. Illegal Credit Reporting The credit bureaus continue to report XXXX XXXX  that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX XXXX  and TransUnion for continued reporting and collection of XXXX XXXX  debt that is now legally void following the executive order to abolish the XXXX Department of Education. 

1. Illegal Credit Reporting The credit bureaus continue to report XXXX XXXX that are now unverified and legally questionable due to the dissolution of the Department of Education. 

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX, Experian, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the XXXX Department of Education. 

1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation