vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Nothing happened. I asked for verification of these accounts when they were open and by whom, along with a copy of a police report showing that my personal information was taken, including my social security card and driver 's license. I just relocated to XXXX XXXX XXXX XXXX XXXX, and before there, i lived in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NV

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 2025-08-06 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing inaccurate information being reported by XXXX XXXX XXXX on my credit report. The account number ending in XXXX is showing as past due, which is incorrect and negatively affecting my credit standing.

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 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a fraudulent account being reported on my credit file that I did not open or approve. This account is not linked to me in any way and appears to be the result of identity theft or unauthorized use of my information. It is harming my credit and misrepresenting my financial history.

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 2025-08-06 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were
obtained fraudulently without my consent : ACCOUNTS : 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 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 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 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

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent a written debt validation request to Midland Credit Management XXXX. on XX/XX/year>, which was received on XX/XX/year>, at XXXXXXXX XXXX ( USPS Tracking # XXXX ). In the letter, I requested verification of an alleged debt for the amount of {$1500.00}, as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

As of today, I have not received any response from the company, and they have continued to report the account on my credit report. This is a violation of 15 U.S. Code 1692g ( b ), which prohibits continued collection efforts without validation. 

I respectfully request that this account be removed from my credit report, and that the company be held accountable for failure to comply with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

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 2025-08-06 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:
The CFPB complaint has beenfiled to requested pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud with in 4 business days of you receiving this complaint. The inquiries : 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. 
appearing on my consumer FICO report. I don't recognize the aforementioned account that were not made by me. I have attached FTC identity theft criminal complaint as proof from the US Federal Trade Commission that all of the aforementioned accounts are result of identity theft and fraud.

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 2025-08-06 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:
The CFPB complaint has beenfiled to requested pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud with in 4 business days of you receiving this complaint. The inquiries : 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 
appearing on my consumer FICO report. I don't recognize the aforementioned account that were not made by me. I have attached FTC identity theft criminal complaint as proof from the US Federal Trade Commission that all of the aforementioned accounts are result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
The CFPB complaint has beenfiled to requested pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud with in 4 business days of you receiving this complaint. The inquiries : 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. 
appearing on my consumer FICO report. I don't recognize the aforementioned account that were not made by me. I have attached FTC identity theft criminal complaint as proof from the US Federal Trade Commission that all of the aforementioned accounts are result of identity theft and fraud.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-08-06 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: CT

Complaint narrative:
I am exercising my rights under the FCRA to dispute unauthorized accounts and inaccurate information appearing on my credit report. The accounXXXX XXXX  I do not have a contract with them this is fraud, achieve financial I do not have an account with them this is fraud, tbomtotal is fraud I do not have an account with them. credit control for {$1100.00}, redit control for {$890.00} these are unauthorized accounts, I do not have a contract with them, credence resource, credit collection, XXXX XXXX these are all unauthorized accounts that I have not authorized to do business with. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all unknown and fraudulent accounts. I do not have accounts, nor contracts with these companies. I have been an victim of the XXXX data breach. I am demanding all these unauthorized accounts to be removed from my credit report due to illegal activities.

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 2025-08-06 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. Everything on FTC and PDF is fraud Remove immediately! 15 USC 1681c-2 I did not authorize. Block Remove immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/year>XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MA XXXX Subject : Formal Dispute and Debt Validation Request Account # XXXX To Whom It May Concern, I am writing to dispute the validity of the alleged debt you claim I owe under Account # XXXX. I do not acknowledge any obligation to pay this or any debt to XXXX XXXX XXXX ( XXXX  ). I am asserting my rights under federal law to request full and proper validation of this alleged debt and will not pay unless and until such documentation is legally provided. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureaus Regulation F, I am requesting complete verification of the alleged debt, in accordance with : 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 12 CFR 1006.34 ( d ) 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) Accordingly, I demand the following : Debt Validation Documentation : A full itemization of the alleged amount.

The name and address of the original creditor. 

A copy of the original agreement or contract bearing my signature ( if any ). 

Clear evidence that this debt is valid and that I am legally responsible for it.

Purchase or Assignment Agreement : A copy of the original purchase, sale, or assignment agreement between XXXX and the original creditor proving legal authority to collect this debt. 

Proof of Licensing and Bonding in Florida : Valid documentation demonstrating that XXXX is licensed and bonded to operate and collect debts in the State of Florida, as required by state law. 

Additionally, please be advised that I hereby revoke all forms of contact outside of written correspondence, including but not limited to phone calls, text messages, and emails. All future communication must be in writing only and limited to providing the documentation I have requested. 

If you can not or will not provide the above documentation within 30 days from the date of receipt of this letter, I will consider the debt unvalidated and demand the immediate removal of the collection account from any and all consumer reporting agencies where it has been reported. 

Failure to comply with these legal obligations constitutes a violation of the FDCPA and FCRA and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible 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
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MA XXXX Subject : Formal Dispute and Debt Validation Request Account # XXXX To Whom It May Concern, I am writing to dispute the validity of the alleged debt you claim I owe under Account # XXXX. I do not acknowledge any obligation to pay this or any debt to XXXX XXXX XXXX ( XXXX ). I am asserting my rights under federal law to request full and proper validation of this alleged debt and will not pay unless and until such documentation is legally provided. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureaus Regulation F, I am requesting complete verification of the alleged debt, in accordance with : 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 12 CFR 1006.34 ( d ) 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) Accordingly, I demand the following : Debt Validation Documentation : A full itemization of the alleged amount.

The name and address of the original creditor. 

A copy of the original agreement or contract bearing my signature ( if any ). 

Clear evidence that this debt is valid and that I am legally responsible for it. 

Purchase or Assignment Agreement : A copy of the original purchase, sale, or assignment agreement between XXXX and the original creditor proving legal authority to collect this debt. 

Proof of Licensing and Bonding in Florida : Valid documentation demonstrating that XXXX is licensed and bonded to operate and collect debts in the State of Florida, as required by state law. 

Additionally, please be advised that I hereby revoke all forms of contact outside of written correspondence, including but not limited to phone calls, text messages, and emails. All future communication must be in writing only and limited to providing the documentation I have requested. 

If you can not or will not provide the above documentation within 30 days from the date of receipt of this letter, I will consider the debt unvalidated and demand the immediate removal of the collection account from any and all consumer reporting agencies where it has been reported. 

Failure to comply with these legal obligations constitutes a violation of the FDCPA and FCRA and may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief