vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I XXXX XXXX XXXX, had negative and false and misleading information and harassing and multiple phone calls at unconvient times all through the day from different numbers for an alleged debt which is not owed and I want them to cease and desist contact, threats and collections attempts immediately, The alleged debt stopped being a debt when the original creditor charged it off, sold it and took the tax deduction for the loss. It became an INVESTMENT when it was first sold and XXXX XXXX XXXX, the 3rd party debt collector, had knowledge it was A alleged BAD DEBT. No UCC XXXX liens to prove alleged debt. Request books of accounts of credit pursuant to IRS XXXX to verify and validate. I NEVER SIGNED AN AGREEMENT WITH THIS 3RD Party Debt collector. THIS IS NOT THE ORIGINAL CREDITOR. THESE OR DUPLICATE ACCOUNTS. US CODE 1692e False and Misleading Representations US code Notes/ A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 1. The false representation or implication that any individual is an attorney or that any communication is from an attorney. I demand they cease and desist any communication or collection attempts, immediately or I will sue you in a federal venue with trail by jury And I further cease and desist any attempts to reporting from them on my consumer report ucc 1-202 upon this notice you have been notified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX & XXXX ( Original Creditor : XXXX  ) # XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$8600.00} XXXX XXXX XXXX XXXX  IN ( Original Creditor : BG XXXX ) # XXXX XX/XX/XXXX -- {$430.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$290.00}

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this second-round complaint regarding unauthorized inquiries appearing on my Equifax credit report. I previously disputed these inquiries directly with Equifax, but their response simply stated that the information was verified as accurate without providing any documentation or method of verification as required by the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ). 

Disputed inquiries : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax failed to provide evidence showing that I granted written authorization or initiated these inquiries. I am requesting that Equifax conduct a full reinvestigation, provide the name of the party that verified each inquiry, and produce copies of any signed applications or authorization forms.

If Equifax can not produce verifiable documentation showing my consent, I request the permanent deletion of these inquiries from my credit file under FCRA 611 ( a ) ( 5 ).

Please have the CFPB ensure that Equifax follows federal law and provides a transparent and verifiable response, not just a generic verified status without supporting proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA.

Fraudulent Accounts : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-17 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: MD

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that XXXX  filed this by some other means than XXXX. This is done 100 % by 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 2025-10-17 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: PA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA.

Fraudulent 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

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 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
This company, Caine & Weiner Company , Inc., is attempting to collect or report a debt that I do not owe. I have never received any phone call, letter, or written communication from them before they began reporting this account to the credit bureaus. I have no knowledge of or connection to the alleged {$380.00} balance they claim is owed to XXXX XXXX. 
They have failed to provide any required validation documents under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Specifically, they have not provided : The original agreement with my wet signature A copy of the last billing statement from Progressive Proof they are authorized to collect or that the debt was sold to them The purchase/sale agreement ( " letter of sale '' ) from the original creditor Proof this debt has not been written off as a tax liability ( IRS 1099-C ) Proof of insurance claim tied to this alleged debt Proper notice of my rights to dispute within 30 days of first contact Without this information, the account is unverified, inaccurate, and unlawful to report or collect. The company has never provided any communication before placing this item on my credit report, which is a direct violation of the FDCPA and FCRA. 
I am requesting that the CFPB investigate and require this company to permanently delete the account from all three credit bureaus ( XXXX XXXX XXXX XXXX ) and provide a written confirmation of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: 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 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 2025-10-17 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: TN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-17 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: AZ

Complaint narrative:
A late payment was reported on a store account because we had moved and provided a new address for the bill and it was not updated and sent to the correct address. We have disputed the late payment and asked for copies of old statements and where they were mailed and disputed the late payment, but no information was provided other than it was accurate and they would not remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
XXXX student loan accounts ( # XXXX, XXXX, XXXX ) report XXXX, XXXX, and XXXX late codes with no supporting documents. Borrower was not notified XXXX or XXXX  days before delinquency status was applied. No validation or payment history was provided after request. This violates FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) and Metro-2 4.2 ( accuracy and timely updates ).

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 2025-10-17 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: NV

Complaint narrative:
As a federally protected consumer, I am reporting serious and ongoing violations by Experian, Equifax, TransUnion, and their furnishing entities. Despite submitting formal disputes and legal notices, the reporting agencies and furnishers have continued to inaccurately report, mishandle, and inconsistently process derogatory credit information. These actions have resulted in financial and emotional harm and constitute a pattern of systemic non-compliance with federal law. Detailed Account Violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge off/closed account ( {$21000.00} ) appears with no dispute indicators. Violations : FCRA 1681i, 1681g, CFPA 5531, GLBA, and the Privacy Act 552a. XXXX XXXX XXXX  {$5400.00} rental charge-off from XXXX XXXX XXXX appears on EQ and EX, not TU. Violates FCRA 1681e ( b ), 1681i, and GLBA XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ) Charge off/ Closed account ( {$13000.00} ) appears with no dispute indicators. Violations : FCRA 1681i, 1681g, CFPA 5531, GLBA, and the Privacy Act 552a.

Declaration of Harm : These violations have harmed me financially and emotionally. Ive been denied credit, charged higher interest, and suffered reputational damage. I affirm this under penalty of perjury.

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 2025-10-17 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: NV

Complaint narrative:
As a federally protected consumer, I am reporting serious and ongoing violations by Experian, Equifax, TransUnion, and their furnishing entities. Despite submitting formal disputes and legal notices, the reporting agencies and furnishers have continued to inaccurately report, mishandle, and inconsistently process derogatory credit information. These actions have resulted in financial and emotional harm and constitute a pattern of systemic non-compliance with federal law. Detailed Account Violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge off/closed account ( {$21000.00} ) appears with no dispute indicators. Violations : FCRA 1681i, 1681g, CFPA 5531, GLBA, and the Privacy Act 552a. XXXX XXXX XXXX  {$5400.00} rental charge-off from XXXX XXXX XXXX appears on EQ and EX, not TU. Violates FCRA 1681e ( b ), 1681i, and GLBA XXXX. XXXXXXXX XXXX XXXX XXXXXXXX ) Charge off/ Closed account ( {$13000.00} ) appears with no dispute indicators. Violations : FCRA 1681i, 1681g, CFPA 5531, GLBA, and the Privacy Act 552a.

Declaration of Harm : These violations have harmed me financially and emotionally. Ive been denied credit, charged higher interest, and suffered reputational damage. I affirm this under penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Bank Statement ( XX/XX/year> ) : o Checking : {$360000.00} o Savings : {$3000.00} o Brokerage : {$0.00} ( converted to cash ) Brokerage Snapshot ( XX/XX/year> ) : o IRA XXXX : {$120000.00} o IRA XXXX : {$64000.00} o Standard Brokerage : {$380000.00} o Total Brokerage Value : {$570000.00} o Qualification Balance : {$590000.00} ( possibly includes accrued interest or other assets ) o I then received {$520000.00}, presumably from the liquidation of brokerage assets. The total value of my account adding brokerage value and checking was {$950000.00} and I received {$520000.00}, where is the remaining {$430000.00}?

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 2025-10-17 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: CO

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my TransUnion and XXXX some information is inaccurate and incomplete. According to FCRA 15 USC 1681E ( b ) whenever a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy.

Additionally, according to 15 USC 1681 5 they are suppose to do this : ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( XXXX ) 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. 

Additionally, 15 USC 1681s-2 states that 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 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 2025-10-17 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( Last XXXX Digits ) : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Immediate Deletion Demand XXXX XXXX XXXX ( Not My Account ) Dear Credit Bureau, This letter serves as a formal and urgent dispute regarding the XXXX XXXX XXXX XXXX account appearing on my credit file. I have never had any financial relationship, contract, or account with XXXX XXXX XXXX or any company they claim to represent. This account is fraudulent, inaccurate, and not mine. 

Account in Dispute : XXXX XXXX XXXX XXXX Account ( Reporting a collection account that does not belong to me is a serious violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). 

I am demanding a full reinvestigation and deletion of this account within the required 30-day timeframe. You are legally obligated to verify the accuracy and ownership of this account directly with the furnisher. If verification can not be provided with original, signed documentation proving I opened or authorized this account, it must be deleted immediately. 

To verify this account, you must provide : 1. The original signed credit application or contract bearing my authentic signature ; 2. The complete account history, including the original creditor name, account opening date, payment records, and alleged balance ; 3. Proof of assignment or ownership showing XXXX XXXX XXXX legal right to report or collect this alleged debt ; 4. Evidence of identity matching including date of birth, address history, and SSN confirming that I am the responsible party. 

If you or the furnisher can not produce these items, you are required under federal law to delete the account entirely from all credit reporting systems.

Please be advised that continued reporting of inaccurate or unverifiable information constitutes willful noncompliance under 15 U.S.C. 1681n, and I am fully prepared to pursue my rights through : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), And potential civil legal action seeking damages for defamation and FCRA violations. 

This is an official demand for correction and removal not a mere request. You are hereby notified to delete this XXXX XXXX XXXX account immediately or provide full, documented proof of its legitimacy. 

Please mail me written confirmation of deletion or a copy of all documentation used to verify the account. 

Thank you for your prompt and lawful compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
Someone deposited money in a old account that I have the account # and oin # to and they won't give me the money. Says it's a security risk

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
Account # XXXX reports a {$2900.00} balance but no original creditor name or validation. Reporting unverifiable data violates FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ), and FDCPA 809 ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation