vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under USC 1681 section 6 O states that I have the right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ). It also states a consumer reporting agency can not furnish an account wipeout my written instructions under 15 uses 1666b a credit may not a treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under USC 1681 section 6.2 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2, also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Through my rights in accordance with 15 USC code 1681b I did not give written consent to any collection agency to report anything to credit bureau.

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: WV

Complaint narrative:
Caine & Weiner has been reporting a {$900.00} debt to my credit file that they claim came from XXXX XXXX. I have never had an insurance policy with XXXX, never signed any contract with them, and never authorized any charges or accounts related to this company. 

Despite this, Caine & Weiner has been reporting this alleged debt to my credit since XX/XX/year>, and they have continued to report it monthly and sometimes daily for over 4 years and 8 months. I have filed multiple disputes with the credit bureaus and directly with Caine & Weiner, but the company continues to verify the debt as valid without providing any documentation. 

I requested validation of the debt as required under the FDCPA, but they have not provided proof, a signed contract, an insurance policy, account statements, or any legitimate documentation. Instead, they continue to report the debt and have refused to remove it. 

I also contacted XXXX, and I do not have any record of a policy, account, or charges with them. I believe this debt was either incorrectly assigned, misreported, or fraudulently created.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kikoff Inc.
State: MO

Complaint narrative:
I was noticing that my name was spelt incorrectly on a lot of of my items on my report when I did my research

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under USC 1681 section 6.2 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2, also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Through my rights in accordance with 15 USC code 1681b I did not give written consent to any collection agency to report anything to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under USC 1681 section 6.2 states that I have the right to privacy ( 15 USC 1681 ( section 604 a section 2, also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Through my rights in accordance with 15 USC code 1681b I did not give written consent to any collection agency to report anything to credit bureau.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is reporting multiple public-record bankruptcies and federal student loan accounts that are factually inaccurate, improperly verified, and sourced through unlawful or unverified third-party vendors. I submitted an FTC Identity Theft Report ( # XXXX ) and formally requested the required FCRA 609 ( e ) documentation and the full FCRA 611 ( a ) ( 7 ) method of verification, including : ( 1 ) certified court documents used to verify the bankruptcies, ( 2 ) chain-of-custody and source-validation data from any third-party such as XXXX XXXX XXXX, ( XXXX ) the exact date and manner the data was obtained, ( 4 ) the permissible purpose for obtaining and publishing my data, and ( 5 ) any documents bearing my signature authorizing reporting. They did not provide ANY of this information. 

Per CFPB guidance, public records must be verified using actual, certified court records and must include matching full identifying information. The bankruptcy data being published is incomplete, mismatched, and was not obtained from the court. The student loan information also includes inaccurate balances, statuses, and identifiers that do not belong to me and were not validated. 

Because the company could not produce the legally required verification, court documents, authorization, or source documentation, these entries are unverifiable under FCRA 611, inaccurate under FCRA 602, and obtained without permissible purpose in violation of FCRA 604. The continued furnishing of unverifiable or identity-theft-related information after receiving my FTC affidavit constitutes further violations under FCRA 623 ( a ), 623 ( b ), and 609 ( e ). I am requesting CFPB assistance because the company continues to publish unverified, inaccurate, and identity-theft-related information despite my lawful dispute and documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I mean this boy XXXX between XXXX and XXXX cause I have his baby XXXX round that time. Some how my check book got out my gloved apartment. I used to have credit cards now I have debit it seem strange and I think some one liening. Wells Fargo never notified me, but they notified me to not never bank with them. I never knew the reason why. That destroyed me really bad when all I wanted to do is make it with my son and now I have XXXX  daughters with it. If u need more information call me please.

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 2025-11-24 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: CA

Complaint narrative:
This debt collector has engaged in unjustifiable practices prohibited under the FDCPA. They furnished this account without any agreement from me, and I did not sign any contract with them. A valid legal contract requires signatures from both parties, and I never participated in any agreement whatsoever. In addition, they failed to follow the proper 5-step validation procedure.

According to the FDCPA, Im entitled to compensation for these violations. My rights were clearly violated and abused. I am demanding that this account be removed immediately. 

On a personal note, this entire situation has taken a real toll on me. Ive been struggling to get my finances stable, and every time I see an account that doesnt belong to me, it sends me into a panic. Ive lost sleep, Ive dealt with XXXX, and it feels like no matter how hard I try to move forward, things like this keep pulling me back. Im just trying to rebuild my life, and the stress from this inaccurate account has made everything so much harder than it should be

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
These accounts are unauthorized and are not mine. I would like these accounts to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4600.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record.

2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data.

3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy.

4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
XXXX. XXXX XXXX XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4600.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record.

2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data.

3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy.

4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 
XXXX. XXXX XXXX XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. 1997 ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Greetings, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I XXXX XXXX XXXX am formally disputing the accuracy and legality of several hard inquiries appearing on my consumer report. After reviewing my file, I identified inquiries that were placed without my knowledge, authorization, or any valid permissible purpose, as required under FCRA 15 U.S.C. 1681b. 

For an inquiry to be lawful, the user must have a certified permissible purpose, such as a credit transaction initiated BY ME. I have not applied for credit, authorized, or initiated any transaction with the companies listed below on the dates reported : Unauthorized Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Because these inquiries were not initiated or authorized by me, they constitute : A violation of 15 U.S.C. 1681b ( f ) obtaining a credit report without permissible purpose A violation of 15 U.S.C. 1681e ( b ) failure to maintain maximum possible accuracy A violation of 15 U.S.C. 1681c-2 ( a ) my right to block information resulting from fraud or unauthorized access

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: WA

Complaint narrative:
I paid off my XXXX bill with the XXXX XXXX XXXX  program back in XX/XX/XXXX. On XX/XX/XXXX Ive received a letter requesting payment in {$1300.00} for the remaining balance that shouldve been charged off as part of the settlement offer. This is not owed as accepted and paid off the XXXX bill as was negotiated with the XXXX XXXX XXXX program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I previously submitted a written dispute to SYNCB/PPC dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), SYNCB/PPCE has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since SYNCB/PPC did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure SYNCB/PPCs immediate compliance with FCRA requirements. 

SYNCB/PPC 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