vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
I got a collection on my credit report a few days ago in the amount of {$2600.00}. The creditor seems to be " XXXX XXXX ''. I do not have an XXXX. This is not my debt. I used to work as a receptionist for an auto body shop over XXXX years ago. 
If this collection is in reference to anything that this shop did, I in no way gave a personal guarantee for anything under my name. If I am wrong SHOW ME THE DOCUMENTS. 

Show me any bill or invoice with my name and a personal guarantee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-28 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: MI

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding XXXX XXXX XXXX XXXX and XXXX XXXX, which are reporting or attempting to collect on alleged credit card accounts in my name. 
These companies have violated federal laws by accessing and reporting my information without a permissible purpose or my consent. 

Violations Identified : FCRA 604 ( 15 U.S.C. 1681b ) : No permissible purpose.

FDCPA 807 : Deceptive practices.

FDCPA 809 : Failure to validate debt.

Privacy Violations : Unauthorized use of my data.

Requested Action by CFPB : Investigate the agencies.

Require proof of right to report/collect.

Remove unauthorized entries.

Take enforcement action.

I have enclosed supporting documentation. Please confirm receipt and provide updates regarding your investigation. 

Creditor/Collection Agency : XXXX Account Number : XXXX Original Creditor : XXXX Purchased by : XXXX XXXX XXXX XXXX Account Type XXXX Credit Card Date Opened : XX/XX/XXXX Status : Closed. {$460.00} written off. 

Balance : {$0.00} ( as of XX/XX/XXXX ) Credit Limit : {$300.00} Last Payment Date : XX/XX/XXXX Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Purchased by : XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged off. {$370.00} written off. 

Balance : {$0.00} ( as of XX/XX/XXXX ) Credit Limit : {$200.00} Last Payment Date : XX/XX/XXXX Thank you for your prompt attention to this matter.

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 2025-07-28 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: MI

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding XXXX XXXX XXXX XXXX and XXXX XXXX, which are reporting or attempting to collect on alleged credit card accounts in my name. 
These companies have violated federal laws by accessing and reporting my information without a permissible purpose or my consent. 

Violations Identified : FCRA 604 ( 15 U.S.C. 1681b ) : No permissible purpose.

FDCPA 807 : Deceptive practices.

FDCPA 809 : Failure to validate debt.

Privacy Violations : Unauthorized use of my data.

Requested Action by CFPB : Investigate the agencies.

Require proof of right to report/collect.

Remove unauthorized entries.

Take enforcement action.

I have enclosed supporting documentation. Please confirm receipt and provide updates regarding your investigation. 

Creditor/Collection Agency : XXXX Account Number : XXXX Original Creditor : XXXX Purchased by : XXXX XXXX XXXX XXXX Account Type XXXX Credit Card Date Opened : XX/XX/XXXX Status : Closed. {$460.00} written off. 

Balance : {$0.00} ( as of XX/XX/XXXX ) Credit Limit : {$300.00} Last Payment Date : XX/XX/XXXX Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Purchased by : XXXX XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged off. {$370.00} written off. 

Balance : {$0.00} ( as of XX/XX/XXXX ) Credit Limit : {$200.00} Last Payment Date : XX/XX/XXXX Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXXXXXX

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 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
Company says I owe a debt that is time barred under Texas code XXXX. Theyre illegally trying to collect zombie debt from XXXX. This is time barred debt which is illegal to sue for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION, ACCOUNTS AND UNKNOWN/UNAUTHORIZED INQUIRIES 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 2025-07-28 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$840.00} XXXX  Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX  Took my visa gift card balance when i was trying to check my balance this was very hateful act and I need a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Subject : Identity Theft Victim Statement and Request for Fraudulent Account Removal To Whom It XXXX Concern, I am writing to notify you that I am a victim of identity theft and that my personal information was compromised as a result of the Equifax XXXX breach ( XXXX ) and a more recent Experian data breach. Due to these incidents, unauthorized accounts XXXX have been fraudulently opened or reported in my name without my consent or knowledge. 



Under the Fair Credit Reporting Act ( FCRA ) XXXX, I am requesting that all fraudulent accounts and inquiries resulting from this identity theft be blocked and permanently removed from my credit report. This includes any accounts or collections that were not initiated or authorized by me. 



Please consider this letter a formal Identity Theft Report. I am in the process of providing supporting documentation, including a police report or FTC XXXX Theft Affidavit, to confirm the fraudulent nature of the activity. 



Personal Information for Identification : Full Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX In accordance with FCRA, please : Block and remove all fraudulent items related to identity theft from my credit file. 
Refrain from re-reporting these items unless you receive verified documentation that the information is accurate. 
Provide me with written confirmation that the requested blocks and removals have been completed. 
Send an updated copy of my credit report for my records. 




Please consider this matter urgent and process my request in a timely manner. I appreciate your attention to protecting consumer credit profiles and preventing further harm from identity theft. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: C/C Financial
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute information reported on my XXXXn credit file relating to an account listed by Preferred Lease FKA MP ( Account Number ending in XXXX ). This account reflects a charge-off with a reported high balance of {$1700.00}, a past due amount of {$1000.00}, and a closed date of XX/XX/XXXX, with a removal date estimated as XX/XX/XXXX. 

Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a reasonable investigation into this account. If the information can not be verified as accurate, complete, and legally reportable, it must be deleted from my credit file within XXXX  days of receipt of this dispute.

Additionally, per 15 U.S.C. 1681s-2, data furnishers are required to report only accurate and verifiable information. If XXXX is unable to obtain documentation from the original furnisher proving the legitimacy and accuracy of this account, it must be removed.

This dispute is being submitted with no admission of liability or acknowledgment of the accuracy of the account as reported. I am requesting that XXXX : 1. Verify all information reported by Preferred Lease FKA MP ; 2. Delete the account entirely if it can not be verified with supporting documentation ; 3. Provide me with written confirmation of the results of your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am insisting on the prompt deletion of the disputed item and immediate escalation of this matter to an Equifax compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the Office of the Inspector General ( OIG ) and a request for intervention from congressional authorities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Whenever I set up a payment plan, they never tried to pull the funds from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/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 2025-07-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-28 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: MS

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-07-28 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: NC

Complaint narrative:
I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED UNKNOWN/UNAUTHORZED INQUIRIES AND INCCUARATE/UNKNOWN ACCOUNTS 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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America is reporting an account that should have been removed from my credit report years ago. In their own response to my XXXX  dispute, they confirmed the account was closed on XX/XX/XXXX. I originally disputed this account back in XXXX, yet it remains on my credit report. According to the Fair Credit Reporting Act ( FCRA ), negative information can not be reported more than 7 years from the Date of First Delinquency ( DOFD ) which is the date the account first became late and was never brought current. Since the DOFD was prior to the XX/XX/XXXX closure, this account is now well beyond the 7-year reporting limit and should have been removed. Im requesting that the CFPB ensure Bank of America removes this obsolete account from all credit bureaus and complies with federal law.

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