vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 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: CA

Complaint narrative:
I am disputing a charged-off account with XXXX XXXX that was sold to XXXX XXXX XXXX XXXX According to my credit report : The account shows Account charged off. {$510.00} written off, with a {$0.00} balance, which is correct. 
However, the account status was updated in XX/XX/year>, even though the debt was sold. 
The tradeline also lists Highest Balance : {$510.00}, which appears inaccurate. 
The account shows Purchased by another lender, yet XXXX XXXX continues reporting updates after the sale. 

Under the Fair Credit Reporting Act ( FCRA ) : Original creditors may not continue updating sold debts. 
Re-aging a debt or furnishing negative updates after it has been sold is illegal. 
Only one entity may report the balance owed ; the original creditor can not continue to report it after sale. 

This continued reporting appears to violate the FCRA and may be harming my credit score. I request that XXXX XXXX and the credit bureau investigate, stop updating the account, and correct any inaccurate information. Please provide written confirmation once corrected. 

Attachments : Screenshot of credit report showing account updates and sale Any documentation regarding the sale of the debt

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 2025-11-22 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: IL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. CXX/XX/XXXXe XXXXb outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. CXX/XX/XXXXe XX/XX/XXXXXXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. CXX/XX/XXXXe XXXX Section XX/XX/XXXX ( XX/XX/XXXX ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section (XX/XX/XXXX), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: IL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. CXX/XX/XXXXe XXXXb outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. CXX/XX/XXXXe XX/XX/XXXXXXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. CXX/XX/XXXXe XXXX Section XX/XX/XXXX ( XX/XX/XXXX ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section (XX/XX/XXXX), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-22 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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Collection I am filing a complaint against XXXX XXXX XXXX XXXX for reporting an inaccurate, unverifiable apartment collection on behalf of XXXX XXXX XXXX. 

Problems with the tradeline include : Originally reported with an impossible future open date No lease provided No move-out statement No itemized ledger of charges No validation of the alleged {$3100.00} balance No accounting logs, damages list, or proof of debt No proof of assignment Furnisher has changed dates multiple times but still can not validate I have never been provided the legally required validation under FDCPA 809 ( b ).

This reporting violates : FCRA 623 ( a ) ( 1 ) reporting information known or should be known inaccurate FCRA 607 ( b ) failure to ensure maximum accuracy FDCPA 809 ( b ) no validation provided FDCPA 807 misrepresentation of the amount and legal status Requested Resolution : I request full deletion of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection for inability to validate the debt and reporting contradictory dates.

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 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
was attempting to settle this debt that they have on me, i myself tried to get a copy the payoff letter, rocket mortgage tried to get a payoff letter this has been going on since XXXX. I contacted XXXX credit management and was told they tried to send an email and fax to rocket mortgage, but there was error on their system. This is the same excuse they said to the rocket mortgage employee. when i was done talking to them, I filed a complaint with texas attorney office, better business bureau. Today i am filling with cfpb for the reason that i have tried to resolve this matter with them< and it has become impossible, when talking to them they theatened to add another 25 % on top of the amount already owed if i didnt pay in a certain time. mind you, XXXX XXXX XXXX has a lien on my homestead home in the state of texas. XXXX XXXX  and myself along with a XXXX XXXX XXXX employee were on trying to resolve this. I was informed that nothing could be done with my account because I filed a complaint. They said i have to remove the complaint before i can resolve this issue. I do have a recording of the conversation to verify the truth and behavior of XXXX credit management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: FL

Complaint narrative:
On XX/XX/year>, Experian sent me an email refusing to block identity-theft information under FCRA 605B, even though I submitted a valid FTC Identity Theft Report, a Supplemental Addendum listing the fraudulent accounts, a copy of my ID, and proof of address. Instead of fulfilling its federal obligation to block the fraudulent information within 4 business days, Experian issued a denial claiming that my request was made in error, involved material misrepresentation, or that I knowingly obtained goods or services from the fraudulent accounts. These statements are false, defamatory, and completely unsupported. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX ( collection I did NOT open ; I do not currently have Progressive insurance nor do I own a vehicle ). 
XXXX XXXX XXXX  XXXX, which has already been deleted multiple times and reinserted without the required 5-day written notice under FCRA 611 ( a ) ( 5 ) ( B ) ( ii ).

Any other identity-theft accounts listed in my FTC Supplemental Identity Theft Addendum. 

Experian also repeatedly asked for identity documents I already provided, ignored legally-required timelines, and allowed a new fraudulent collection to report during an active 605B identity-theft process. Other credit bureaus ( XXXX  and XXXX ) have already deleted XXXX XXXX based on the same documentation, proving that this information is in fact the result of identity theft. 

Experians refusal to block the fraudulent information, its false accusations of misrepresentation, and its pattern of reinserting deleted accounts without notice constitute clear violations of FCRA 605B, 611, 623, and 616617 for willful and negligent non-compliance. 

This has caused significant credit harm and has prevented me from securing necessary transportation and financial stability. 

CFPB Complaint : 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 2025-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
CFPB FOR EACH BUREAU AND CREDITOR : I am a victim of identity theft, credit file contamination, and/or fraudulent activity affecting my consumer report AND I did NOT authorize, open, initiate, or otherwise enter into any agreement for the following disputed accounts : - XXXX XXXX XXXX Account No. : XXXX - XXXX  XXXX Account No. : XXXX ( duplicate ) - XXXX XXXX ( XXXX Account ) Account No. : XXXX -XXXX XXXX Account No. : XXXX XXXX Account unknown Certain accounts appear to have been created, assigned, or reported without my consent, without my signature, and without lawful verification. 
I did NOT sign any contract, electronic application, credit authorization, service agreement, or assignment connected to these disputed accounts. 
I have been impacted financially, emotionally, and personally due to fraudulent and inaccurate reporting.

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 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: NC

Complaint narrative:
I was scammed on XX/XX/year>. My cell phone finance apps were compromised. 
Cash app is linked to my XXXX XXXX  account. XX/XX/year> {$1100.00} was taken out of my bank and someone named : " XXXX '' received these funds through cash app. I told Cash app, I don't not know this merchant or person. Several other transactions were made by scammer using my cash app the same day. Cash app did not do a good job investigating. 
XXXX was also used by scammer in this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
Pedatory fee {$250.00} from indigo/ Cordoba Purchase from AZR for {$290.00} on XX/XX/XXXX not received. Purchase from XXXX point XXXX XX/XX/XXXX {$190.00} buyer hasnt sent claims it rerouted to him XXXX XXXX {$190.00} charged me nearly 4 $ for theft protection but denied my claim when my package was stolen. ( it was where the driver took a photo of. and XX/XX/XXXX XXXX {$150.00} not received XXXX asked for email from Cordova to provide Info and no luck yet. They just keep recking up fees and taking advantage of a terrible situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In XX/XX/year>, I explicitly informed Midland Credit Management through their online chat system that I did not want to be contacted by phone anymore. Midland acknowledged this request and stated they would stop phone communication. Despite this, they have continued to call me relentlessly, using multiple rotating phone numbers from different states, often multiple times per day. 

This complaint concerns a separate account originally belonging to XXXX XXXX. Although Midland has chosen to improperly combine this account with another debt in a lawsuit they filed against me, their decision to merge accounts does not entitle them to ignore federal law or my cease-contact request. Their phone calls have continued throughout 2025, including frequent and repeated calls made just this week, even after I filed my Answer in court.

These calls serve no legitimate purpose other than harassment. Midland is fully aware of the active litigation and has multiple official channels available to communicate with me and the court. Instead, they continue to flood my phone with unwanted calls - after being explicitly told to stop- which is a clear disregard of both the FDCPA and my consumer rights. 

I have documentation including screenshots of the numbers used, timestamps, voicemail transcripts, and copies of my original cease-contact request. The volume, frequency, and persistence of these calls demonstrate a pattern of harassment, not an attempt at legitimate communication.

Midland 's continued conduct violations show a blatant and intentional disregard for federal law, including 15 U.S.C 1692 ( c ) and 1692d ( 5 ). After acknowledging my cease-contact request, they chose to continue their unlawful calling practices, improperly merged unrelated debts, and failed to provide required validation. This is not an oversight- it is willful noncompliance. I am requesting immediate regulatory action. I expect this conduct to be investigated, corrected, and sanctioned as appropriate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: TX

Complaint narrative:
I am filing this formal complaint due to unauthorized inquiries on my credit report, made without my consent and in violation of the Fair Credit Reporting Act ( FCRA ). These inquiries negatively impact my credit score and do not fulfill any permissible purposes as defined by law. 
Details of Disputed Inquiries : The following disputed inquiries have been verified by the creditors as conducted without my knowledge or authorization : Creditor/Institution : XXXX  Date of Inquiry : XX/XX/XXXX Creditor/Institution : XXXX Date of Inquiry : XX/XX/XXXX Specific Violations of the FCRA and Legal Basis : 1. Permissible Purposes ( FCRA, 15 U.S.C. 1681b ) : Credit inquiries must be conducted only for permissible purposes under the FCRA. The inquiries listed do not meet these purposes. In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that accessing a credit report without a permissible purpose violates the FCRA. 
2. Obligation to Investigate and Correct ( FCRA, 15 U.S.C. 1681i ) : The FCRA requires credit bureaus to correct any inaccurate or unverifiable information. These unauthorized inquiries should be removed under this provision. 
3. Protection Against Identity Theft ( FCRA, 15 U.S.C. 1681c-1 ) : Since these inquiries were unauthorized, they may pose a potential risk of identity theft. The FCRA provides additional protections to prevent unauthorized inquiries that could indicate fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity and opened up these credit card accounts, car insurance etc. I have never gave anyone access to my social birthdate etc. I also never gave anyone permission or authorization to open these accounts without my consent

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 2025-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
These loans are in forbearance and a payment is not due till XX/XX/year>. They are reporting deliquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was a victim of a ring of id theft and told them and they would not delete

Company response to consumer: Closed with explanation