vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
XXXXThis is a follow-up complaint against Caine & Weiner (XXXX XXXX for continued violations of the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA)XXXX XXXX XXXX XXXX, I sent a Debt Validation Letter under FDCPA 809(b) requesting complete documentation proving the validity, balance, and ownership of the alleged debt that Caine & Weiner is reporting. The letter was sent via USPS Priority Mail, tXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and was delivered and signed for on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nDespite confirmed receipt, the company has never provided any validation documents (no contract, no itemization, no assignment proof). Instead, it has twice responded to CFPB complaints with identical, copy-and-paste statements claiming:\nWe have completed our investigation and believe we have accurate consumer and account information. We previously mailed the consumer verification on XXXX\nBoth responses are identical, lack any tracking number, postal proof, or supporting documentation, and contradict the facts. I never received any validation letter, and the company has failed to provide evidence that such mailing ever occurred.\nCaine & Weiners conduct violates multiple provisions of federal law:\nFDCPA 809(b): Failure to cease collection and provide validation after receiving a written request.\nFDCPA 807(10): False or misleading representation about compliance with validation requirements.\nFCRA 623(a)(1) and 623(a)(3): Continuing to furnish unverified and disputed information to credit bureaus XXXX XXXX XXXX).\nThe companys repeated use of a generic, unsupported response to federal complaints demonstrates a pattern of noncompliance and misrepresentation.'

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

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-11 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: NV

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: CA

Complaint narrative:
This is not only a complaint but also a formal request for debt validation submitted to I C System Inc through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that I C System Inc receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : 1. ) The Date of First Delinquency ; 2. ) The date the account was charged off ; and 3. ) The date the account was acquired by or assigned to I C System Inc.

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 2025-11-11 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-11 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: AL

Complaint narrative:
I am writing to dispute several items on my Equifax credit report that appear to be inaccurate. 
According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe is incorrect. Below are the entries in question : 1. XXXX XXXX The account is listed as Charge-Off, with an unpaid balance of {$2400.00}. 
2. XXXX XXXX XXXX Account marked as Charge-Off, balance of {$1500.00}. 
3. XXXX XXXX Reported as a Charge-Off with a balance of {$1300.00}. 
4. XXXX XXXX XXXX This account has an unpaid balance of {$1200.00} and is flagged as Charge-Off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
Equifax ( CFPB # XXXX ) Update ( XX/XX/year> ) : Certified 605B + 611 Data-Breach Block and Method of Verification packet mailed to Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX via USPS Certified Mail ( tracking attached ). 

Equifax has exceeded the 30-day reinvestigation period under 611 ( a ) ( 1 ) ( A ). Pursuant to 605B ( c ) ( 1 ), the bureau must block or delete all disputed data within four ( 4 ) business days of receiving this letter.

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

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the unlawful reinsertion of an account onto my credit report by Equifax. The account in question, XXXX XXXXXXXX XXXX - XXXX ( Account XXXX XXXXXXXX ), was successfully deleted from my credit report on XX/XX/XXXX. However, it was reinserted into my report a year later, on XX/XX/XXXX, without proper notice or certification, which is a clear violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Under this statute, any reinserted account must be accompanied by notice and certification, neither of which was provided. Additionally, there was no investigation, documentation, or permissible purpose under 15 U.S.C. 1681b ( 2 ) for this account to be reinserted into my credit file. The Fair Credit Reporting Act ( FCRA ) stipulates that consumer information can only be reported with the consumers consent or for a legitimate reason, neither of which applies in this case. Furthermore, the reinserted account also violates 15 U.S.C. 1681e ( b ), which requires that credit reporting agencies ensure the accuracy of the information they report. The failure to follow these legal requirements is causing unnecessary damage to my credit report. I have already filed a formal complaint with the XXXX XXXX  XXXX XXXX about this issue, but I have not received a satisfactory resolution. I am now seeking the assistance of the CFPB to ensure that this account is permanently deleted from my credit file and that Equifax is held accountable for its violations of the law. It has been a year since this account was unlawfully reinserted, and I am requesting immediate action to have it removed from my credit report.

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

Complaint narrative:
I am disputing the accuracy of the following charged-off account on my TransUnion credit report. I request verification under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), and ask that any information that can not be verified be corrected or removed. 

Account in Dispute : XXXX XXXX Account XXXXXXXX XXXXXXXX Date XXXX XXXXXX/XX/year> Reported Balance : {$500.00} Please confirm that this account information is accurate. If verification can not be provided, remove or correct this entry on my credit report. 

Thank you for your time and cooperation.

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 2025-11-11 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: TX

Complaint narrative:
I am requesting a dispute investigation regarding the negative items listed on my credit report that I believe to be inaccurate. These items do not reflect the accurate status of my accounts, and I ask for their verification. If these accounts can not be verified, I request they be removed in compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please perform an investigation as required by law, and inform me of the outcome.

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 2025-11-11 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 submitting this dispute to address inaccuracies reported on my credit file. Below are the items that I believe require correction : INQUIRIES : 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 2025-11-11 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion, I am writing to dispute certain items on my credit report that I believe are inaccurate. The following accounts require review and potential removal : 1. XXXX XXXX XXXX- The account reflects an unpaid balance of {$10000.00} and is reported as 150 days past due. I request that this account be verified for accuracy, and if it can not be substantiated, I ask for its removal from my credit file. 
2. XXXX - A 30-day late payment is listed for this account. Please verify the accuracy of this record and correct any inaccuracies or outdated information.

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 2025-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: LAND HOME FINANCIAL SERVICES
State: CA

Complaint narrative:
I was added to a refinance loan without my knowledge, consent, or disclosure a clear violation of federal lending laws ( TILA/Reg Z ). The refinance was executed using a falsified mailing address and without my signature, even though I remained on the mortgage note. 
This was done while the co-debtor ( borrower ) was approaching the end of an active XXXX XXXXXXXX bankruptcy and six weeks before filing for a restructuring. I have confirmed I was not under bankruptcy at the time. 
Additionally, the underlying deed that made the refinance possible was void ab initio due to a transfer executed in violation of my own bankruptcy stay XXXX. That forged deed was never valid and forms the foundation for a fraudulent chain of title. 
Ive submitted a partial indemnity claim to XXXX XXXX XXXX based on that void transfer. They denied it, citing forgery which is under criminal review and not a legal reason to deny indemnity in this context. They are using that as a stall tactic to avoid liability and interfere with my right to recover damages. 
Ive made multiple attempts to get answers and request corrections, including a request to address the falsified mailing address used in the transaction. The company has refused to provide answers or corrections. 
Im requesting regulatory review of both the refinance process and title insurance denial under RESPA and TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
To Whom It May Concern, I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : See attached

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Harley Davidson Financial Services Inc
State: ME

Complaint narrative:
I am submitting this complaint regarding an inaccurate late payment entry reported by XXXX XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), opened on XX/XX/2024, with a balance of {$12000.00}. 

This account is being inaccurately reported as having a late payment, which is false and misleading. I have never made a late payment on this account. All payments were made on time and in accordance with the terms of the agreement. Reporting a late payment where none occurred is a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, which requires furnishers to report only accurate and verifiable information. 

I have already disputed this information with the credit bureaus, but the inaccurate payment history continues to appear on my report. As a result, this incorrect reporting has negatively impacted my credit profile and score, causing unnecessary financial harm. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure XXXX XXXX corrects this error in compliance with federal law. 

I am requesting that XXXX XXXX conduct a full review of this accounts payment history and remove the inaccurate late payment notation. The account should be updated to show a perfect payment record, accurately reflecting that no late payments were ever made.

Company response to consumer: Closed with explanation