vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-22 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate, misleading, and unverified credit reporting that continues to appear on my consumer credit report despite my prior disputes. The furnishers and credit reporting agencies have failed to comply with their obligations under the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. The continued reporting of these items reflects a lack of reasonable investigation and a failure to ensure maximum possible accuracy as required by law. 
XXXX OF XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$450.00} Chargeoff This charge-off is being reported without proper verification of the debts accuracy, balance calculation, and charge-off decision. Under FCRA XXXX ( XXXX ) and XXXX ( b ), any reported charge-off must be fully verifiable, accurate, and complete. If XXXX  XXXX XXXX can not provide original account documentation, payment history, and lawful basis for the charge-off amount, this tradeline must be deleted or corrected accordingly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$11000.00} Chargeoff This charge-off is inaccurate and unverified. No documentation has been provided showing how the balance was calculated, whether the account was lawfully charged off, or whether all payments were properly credited. Reporting a charge-off without complete substantiation violates FCRA XXXX ( b ). If XXXX XXXX can not fully verify this account with competent evidence, it must be removed from my credit report. 
Under FCRA XXXX, credit reporting agencies are required to conduct a reasonable investigation of disputed information. The failure to correct or delete these items indicates noncompliance. I am requesting CFPB assistance to ensure that these furnishers and credit reporting agencies comply with federal law by correcting or deleting all inaccurate, misleading, and unverifiable information listed above. Continued noncompliance may constitute negligent or willful violations under FCRA XXXX and 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 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received a call from XXXX several times starting XX/XX/XXXX. There have been XXXX calls since then. 

Rhey say they're sending a summons for a lawsuit. They refuse to identify the debt, but it all seems to stem from an approx. $ XXXX drecit card debt from XXXX that was paid off in XXXX. 

A number of companies keep calling me at all hours, some before XXXX or after XXXX, threatening to issue a summons or informing me that I am being suited and claiming to be from a legal office. 

I requested their name address and contact information and they refused to provide it. I requested that they remove me their from call list and they talked over me and threatened me.

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 2025-12-22 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: AL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : TransUnion ( XXXX ) Inquiries XXXX Date : XX/XX/year> XXXX Date : XX/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 2025-12-22 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: KY

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. The specific information I am disputing is as follows : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$3000.00} XXXX XXXXL, XXXX, XX/XX/XXXX, Balance : {$850.00} XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$220.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1900.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$4300.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$590.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX SERVICE, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX CARD, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Late Payments : XXXX, XXXX XXXX FCU, XXXX XXXX FEDERAL 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 2025-12-22 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: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF XXXX U.S.C. XXXX ( B ) AND XXXX ( D ) ( XXXX ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS XXXX ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: DC

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-12-22 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: DC

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-22 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: CA

Complaint narrative:
I have reviewed my Equifax credit report and have found information that appears to be either incomplete or inaccurate. I kindly request that these items be investigated and corrected as necessary. 

Inquiries : XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
J J Marshall & Associates Cease and Desist Communication Demand Account Number : XXXX To Whom It May Concern, This letter serves as formal notice pursuant to 15 U.S.C. 1692c ( c ) that I am requesting you cease and desist from all further communication with me regarding the above-referenced account. 

Under the Fair Debt Collection Practices Act, once a consumer notifies a debt collector in writing that they wish the collector to cease further communication, the collector must comply except as permitted by law. Accordingly, you are hereby directed to immediately stop all forms of communication with me, including but not limited to telephone calls, letters, emails, text messages, and any other contact. 

Additionally, I dispute the validity of this alleged debt and do not consent to any continued collection activity or credit reporting related to this account unless and until it is properly validated as required by law. 

Any further communication from your company, other than confirmation that you will comply with this request or notice of specific legal action as permitted under 15 U.S.C. 1692c,

may constitute a violation of federal law and will be documented accordingly. Nothing in this letter shall be construed as an acknowledgm
ent of liability or a refusal to pay. All rights and remedies available to me under federal and state law are expressly reserved. 

The amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My AMEX credit card limit was {$5000.00}. 
Every month I paid the full amount of credit. On XX/XX/year> appeared a balance of {$63000.00}. 
I asked and was told payments were declined. This payments were made by a client from a XXXX account. I am XXXX XXXX XXXX. 
I am a XXXX  at an XXXX XXXX and have XXXX XXXX XXXX XXXXXXXX. 
I am in no condition to pay the credit card amount and at the same time pay my medical expenses not covered by my insurance Co. 
AMEX started a lawsuit and on XX/XX/XXXX we have a hearing. 
Tried to negotiate the debt but AMEX were not reasonable and probably I will have to declare myself in Bankruptcy. 
The negligence of AMEX delaying advising problems to payments to the credit card has created me extreme prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: U.S. BANCORP
State: SC

Complaint narrative:
I am filing a complaint about how my credit card issuer, Elan Financial Services, handled an unauthorized recurring billing dispute. 

My American XXXX card issued by Elan was charged {$49.00} per month by XXXX starting in XXXX for a membership I never knowingly authorized and never used. I never booked or received any services. 

I disputed the charges and Elan issued provisional credits. While I was away, Elan sent emails requesting follow-up and then closed the dispute due to no response. After closing the dispute on this technicality, Elan allowed XXXX to charge my card again and re-post the disputed charges, even though the merchant had been canceled and my authorization was revoked. 

Despite my prior dispute, Elan did not block the merchant and allowed further unauthorized charges to occur.

I am requesting that Elan properly handle this matter under the Fair Credit Billing Act by : Reversing all disputed charges, Permanently blocking Homeaglow from charging my account again, and Issuing a new card number to prevent further unauthorized billing. 

I never received any services, did not knowingly authorize recurring billing, and revoked authorization as soon as I discovered the charges.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I been getting calls from Spring Oaks Cap every morning at XXXX XXXX  about someone debt. I already advised them not to be calling me. I do not know the person that they are looking for I do not owe anyone any money. If I do owe, I was already filed for XXXX  XXXX in XXXX, Any questions they need to contact my lawyer. I had run my credit report for any discrepancy, and I did not find anything out of place nor do i owe anyone any money. I want them to stop calling me for someone else 's debt I do not know of. This is an ongoing problem. they been calling on different numbers trying collect on someone else 's debt. I told them not to call me, but they keep calling me.

Company response to consumer: Closed with explanation