vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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 formally submitting a complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I am formally submitting a complaint regarding inaccurate and unauthorized items listed on my credit report. To date, I have not received adequate validation of the alleged debt, and I have reason to believe that the reported amount is incorrect. I am requesting a thorough investigation, and if the debt can not be verified with complete documentation and proof of ownership, I respectfully ask that it be removed from my credit file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress to this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I DID NOT AUTHORIZED XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX A derogatory condition such as " I owe {$500.00} '' I DID NOT AUTHORIZED PEASE SHOW PROOF OF VALIDATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A derogatory condition such as " I owe {$480.00} '' PEASE SHOW PROOF OF VALIDATION I DID NOT AUTHORIZED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A derogatory condition such as " I owe {$590.00} ' PEASE SHOW PROOF OF VALIDATION

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: ResidentCollect, Inc.
State: FL

Complaint narrative:
I DID NOT AUTHORIZED INNOVATIVE RECOVERY IN Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX A derogatory condition such as " I owe {$500.00} '' I DID NOT AUTHORIZED PEASE SHOW PROOF OF VALIDATION XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A derogatory condition such as " I owe {$480.00} '' PEASE SHOW PROOF OF VALIDATION I DID NOT AUTHORIZED XXXXXXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A derogatory condition such as " I owe {$590.00} ' PEASE SHOW PROOF OF VALIDATION

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
After receiving up to ten calls a day from unknown number, I finally picked it up and it was MCM, Midland Credit Mgmt representative who claimed I owed them immediately but on the phone the rep who refused to answer any debt validation questions. 

I sent them a Debt Validation letter request through email and mail on XX/XX/year>. 

They did not send any validation and continued to call and sent vague mailings that only included the debt balance that I have no way to verify, that they repeat I owe MCM after they bought my account from XXXX XXXX. This is not listed on any of my credit reports. 

Now I received a letter entitled " Pre-Legal Notification '', MCM Account # XXXX and saying I must pay MCM by XX/XX/year> or they will file a lawsuit against me. 

It does not have anything on it as did anything else I received from them except a balance of {$2700.00} which I have no way to verify is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-18 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: NC

Complaint narrative:
I am filing a formal complaint against XXXX XXXX and the credit reporting agencies ( Experian and TransUnion ) for reporting a collection account that is inaccurate, incomplete, and inconsistent across bureaus. 

This account does not appear on my XXXX  credit file at all but is showing on both Experian and TransUnion with different information and errors, including conflicting open/closed statuses, missing payment history, and inconsistent balance reporting. 

This violates the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must report accurate information 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : Inaccurate or unverifiable data must be deleted I have previously disputed this account directly, and it remains unresolved. I am not requesting another reinvestigation because the information can not be verified accurately.

I am requesting immediate deletion of this account from all credit bureaus as a fair and lawful resolution.

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 2025-07-18 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Second Notice Failure to Resolve Inaccurate Late Payment Reporting ( Complaint Filed with CFPB ) Dear Equifax XXXX Department, Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( XXXX ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account Details in Dispute : XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate Why Youre in Violation : Let me be direct : I was never notified about the upcoming due date or about a late payment from this creditor. They never gave me a chance to correct or resolve the issue before reporting it to the credit bureaus. Thats not just unethical its illegal under the Fair Credit Reporting Act ( FCRA ). 
Youre now in violation of multiple sections of federal law : FCRA XXXX ( b ) You're legally required to maintain accurate and complete credit data. 
Reporting a late payment that I had no fair chance to address is neither accurate nor complete. 
FCRA XXXX ( a ) ( XXXX ) ( A ) The furnisher ( creditor ) is required to report responsibly and fairly. If they didnt notify me prior to reporting me late, then they violated this duty. 
FCRA XXXX ( a ) I exercised my right to dispute this error. If the creditor can not verify that notice was provided, then you are legally obligated to delete this entry. 
Despite raising this concern already, you failed to properly investigate or fix it. Ive now taken the step to report this mishandling to the CFPB, and I will not hesitate to escalate this through further regulatory or legal channels. 
Heres What Im Demanding : Immediately reinvestigate this late payment. 
Require the creditor to prove they sent proper notice dated reminders, letters, or email communications before the late mark was reported. 
If they can not prove it, delete this late payment permanently from my report. 
Send me written confirmation of the deletion and an updated copy of my credit file within XXXX business days. 
If this isnt resolved, I will move forward with additional complaints to the FTC, state Attorney General, and if necessary, file legal claims under FCRA XXXX, which provides for up to {$1000.00} per violation, plus any actual damages and legal costs. 
Im not asking for anything unreasonable Im demanding fair treatment under the law and an accurate credit report, nothing less.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: Nelnet, Inc.
State: GA

Complaint narrative:
No Knowledge of account ; opened without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$3700.00} DEPT OF XXXX XXXX Balance {$1800.00} DEPT OF EDUCATIONXXXX XXXX Balance {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$3700.00} DEPT OF XXXX XXXX Balance {$1800.00} DEPT OF EDUCATIONXXXX XXXX Balance {$2400.00}

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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1.Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2.A full itemization of the alleged debt, including principal, interest, fees, and all charges.

3.Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt.

4.Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). 

Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ), which supports the principle that the note and security instrument can not be separated. 

Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity. 

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

UNITED COLLECTION BUREAU INC Reference # : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: VA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-18 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: MD

Complaint narrative:
i recently reviewed my credit report and noticed fraudulent accounts on my report.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
1.

AMERICAN CREDIT ACCEPTANCE Issue : Monthly charge-off reporting post-closure is misleading and duplicative. 
Math Violation : Fixed balance, no interest, no amortizationno accounting consistency.

Action Requested : Deletion or legal validation with full transactional history and accounting logic.

XXXX. 
XXXX XXXX Issue : Listed as included in XXXX  XXXX bankruptcy, but still shows derogatory status. 
Legal Violation : Post-discharge derogatory codes misrepresent discharged debt.

Action Requested : Update or remove per XXXX and XXXX precedent. 



XXXX. 
XXXX XXXX XXXX Issue : Marked as disputed but no record of reinvestigation or resolution. 
Legal Violation : 1681i ( a ) requires reinvestigation and timely resolution.

Action Requested : Provide investigation file or delete.

4. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Issue : Bankruptcy inclusion not properly reflected in payment history or remarks. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAction Requested : Provide complete discharge documentation and furnish verification method.

XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Issue : Reported without contact details or debt validation ; no original agreement listed. 
FDCPA 809 ( b ) : Validation required before furnishing.

Action Requested : Provide full validation or remove immediately.

6. 
XXXX XXXX XXXX : Closed account continues to show inconsistent statuses with no explanation. 
XXXX XXXX Violation : Possible misclassification in payment code and XXXX designator. 
Action Requested : Clarify status and data code used or remove.

XXXX. 
XXXXXXXX XXXX XXXXXXXX : Reflects multiple 30-day late codes despite no reported payments due during those months. 
Math Violation : Impossible delinquency pattern.

Action Requested : Correct or remove based on 1681e ( b ).

8. 
XXXX XXXX Issue : Payment history reports C/O for months after charge-off. 
Legal Violation : Repetitive derogatory status violates XXXX. 
Action Requested : Delete or amend to reflect accurate closure. 



XXXX. 
XXXX XXXX XXXX : Inconsistent status changes without payment record ; no contact information. 
Action Requested : Verify or remove ; provide XXXX XXXX reporting details. 



XXXX. 
XXXX XXXX XXXX : Irregular updates ; status remains static over time despite reported activity. 
Action Requested : Provide verification method used to maintain current reporting status.

XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Payment timeline inconsistent with balance and interest shown. 
XXXX Violation : Incoherent payment trajectory. 
XXXX Requested : Recalculate and resubmit per FCRA accuracy mandate or delete.

Company response to consumer: Closed with explanation