vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing this complaint because my credit reports from XXXX XXXX, and XXXX  are inaccurately reporting duplicate and unverifiable collection accounts under Midland Credit Management. The accounts in question are MIDLANDCRE XXXX High Balance : {$970.00} Date Opened : XX/XX/2022 and MIDLAND CRED XXXX High Balance : {$970.00} Date Opened : XX/XX/2022, both listed as Collection accounts. I have no knowledge, records, or documentation of any account associated with Midland Credit Management for this balance or these dates. These entries appear to be duplicate, inaccurate, and unverified, and I have never received any original creditor documentation, billing statements, or validation letters that establish ownership or responsibility for this debt. 

I have disputed these accounts directly with the credit reporting agencies, but they continue to appear on my credit reports without any proper verification from Midland Credit or the original creditor. This failure to verify and correct violates the Fair Credit Reporting Act ( FCRA ) Sections 602, 607 ( b ), and 611, which require credit bureaus and data furnishers to maintain maximum possible accuracy and to delete any account that can not be verified. Reporting duplicate or unsubstantiated collections is misleading, damaging, and constitutes negligent and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: NJ

Complaint narrative:
I respectfully request that the information reported by TransUnion be reviewed for accuracy and corrected or removed as necessary. If any information can not be verified, I request that it be removed from my credit report under the Fair Credit Reporting Act ( FCRA ). 

INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-05 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:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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 2025-11-05 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: WV

Complaint narrative:
In reviewing my recent credit reports, I found that several accounts are still being reported inaccurately and remain unverified, even after I submitted multiple disputes directly to Experian, XXXX, and XXXX. Despite my repeated requests earlier this year to have these accounts properly validated, the credit bureaus continued to verify information that is inconsistent, incomplete, or unsupported by documentation from the original creditors. Several accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX are still showing charge-offs and collections that have not been properly validated under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These errors have damaged my credit standing, and the bureaus have not provided proof of verification or explained the method used to confirm these accounts, even though I have sent multiple written disputes and supporting evidence. I have followed every required procedure and given each bureau sufficient time to reinvestigate, yet the inaccurate information remains 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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Dear XXXX Department, I am writing to formally notify you that a credit card account has been opened in my name without my authorization. I did not apply for or consent to this account, and I believe it was opened as a result of identity theft. 

Account Information ( if known ) : Account Number ( or partial ) : [ Last XXXX digits if available ] Date Discovered : [ Date you found out about the account ] I request that this fraudulent account be closed immediately and that no charges or obligations be attributed to me. Please confirm in writing that : The fraudulent account has been closed. 

I am not responsible for any transactions or charges on the account. 

Any negative information related to this account will be removed from my credit report. 

Attached are copies of supporting documentation, including : A copy of my government-issued ID A copy of my FTC Identity Theft Report ( if available ) A police report ( if filed ) Any correspondence related to the fraudulent account Please investigate this matter and confirm receipt of this letter. You can reach me at [ phone number ] or [ email address ] if further information is needed. 

Thank you for your prompt attention to this serious 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 ofXX/XX/XXXXXXXX CXX/XX/XXXXe XXXXB 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 ( XXXX ) and the Truth in Lending Act ( XX/XX/XXXX ), 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I assert that the incorrect late payment notations on my accounts are in violation of 15 USC 1666. I have consistently made my payments on time, and any errors in reporting otherwise are inaccurate, unfair, and unlawful.

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 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX is handling a debt from Capital One credit card account. XXXX XXXX XXXX froze my checking account XX/XX/XXXX. I was told that I had to wait until they received information they were requesting from my bank and they would contact me a little after 20 days to discuss payment options once they got the requested information. I was not contacted and my bank was confused on what information they were actually looking for from them. In XX/XX/XXXX I chose to consolidate the debt through a debt cosolidation company. In XXXX an agreement was reached and the terms were that once I started making payments to them for the Capital One debt that my account would be unfrozen. They have since received XXXX payments and have not reported to the debt consolidation company that they received the payments and my account is still frozen. I have an app that is used to show payments were sent and on what dates as well. After waiting a while, I reached out to my consolidation company and was told that they did infact send the payments ( which is also reflected on my app ) and to wait a week or XXXX for XXXX XXXX XXXX to remove the freeze on my account. It is now XXXX and my account is still frozen and they still have not reported to my consolidation comany that they received XXXX payments already. I want them to report the payments received correctly and to remove the freeze on my checking account. I will NOT have my account frozen until XXXX when the last payment is to be made to satisfy the debt. They accepted the terms of payments to resolve the debt and have not upheld their end of the agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

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 1681e ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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 writing to dispute the following items on my credit report. I have been the victim of several data breaches, which have resulted in the exposure of my personal information to the public. As a result, I respectfully request that these items be reviewed and corrected to ensure they are accurately reflected on my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Equifax XXXXo whom it may concern, I am writing to dispute the following items on my credit report. As a victim of multiple data breaches, my personal information has been exposed. I respectfully request that the following items be reviewed and corrected in compliance with the Fair Credit Reporting Act. If the items can not be verified, I ask that they be removed. 

CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1000.00} XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
15 U.S.C XXXX section XXXX A. States I have the right to privacy. 15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation I AM PREPARED FOR LITIGATION It also states a consumer reporting agency can not furnish a account without my written instructions the accounts do not belong to me and I did not authorize anyone to furnish such accounts I HAVE DISPUTED THESE ACCOUNTS AND HAVE NOT RECEIVED AN UPDATE REGARDING THESE UNAUTHORIZED ACCOUNTS. I DID NOT AUTHORIZE THESE ACCOUNTS. REMOVE THEM IMMEDIATELY FROM MY CREDIT REPORT 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 explanation
Consumer complaint received 2025-11-05 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Sunbit, Inc.
State: TX

Complaint narrative:
XXXX XXXX, With great honor I like to complaint against Sunbit credit card company about their confusing update of my all payment, specially from XXXX I started watching this confusion. In XXXX, XXXX I made several payment like {$400.00}, {$300.00} etc but when I called in their automated phone system to know my ballance on card- I hear the same amount, what I heard before making payment. Then I called to their representatives but they also could not explained it to me. Then I stopped using 99 % of purchase by this card to understand their statement except few number of auto payment, but still I am surprised - at the last week of XXXX, after stopping all purchase, then after XXXX days I called in Automated system to hear my ballance- it said me - " your last ballance is {$3100.00}, then I made payment {$190.00}, but still it said me- " your ballance is {$3100.00}!! 
But how it possible XXXX XXXX? I called the representative- her name is XXXX XXXX XXXX XXXX XXXX - that I was charged XXXX XXXX {$61.00}, but how its my last ballance again {$3100.00}? What it goes my last payment {$190.00}? 
Same thing happened in XXXX, XXXX also- if you see their statment- I made {$400.00} and these type of payment multiple times, but it showed same amount before making payment. 
Dear XXXX, my life is so hard! My wife is very much sick, she had almost 5 times XXXX, my only son XXXX XXXX, I had a car accident and I was in XXXX XXXX XXXX for XXXX XXXX- in this time this type of confusion and I strongly believe - they dont update my made payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have no knowledge of this account and would like them removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2025-11-05 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: PA

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 1681e ( 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 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have no knowledge of this account and didnt give permission to run my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
The investigation did not fix an error on my credit 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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
i have reviewed my credit report and found these unverified items. 
please remove, update or correct these items.

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 2025-11-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Legal Group, P.C.
State: VA

Complaint narrative:
I opened a contract with consumer Legal PC on XX/XX/XXXX to have several debts taken care of. I was informed to stop paying these debts and that I would not hear from these debts again. I am now being sued by these accounts XXXX and XXXX after I finished paying Consumer Legal PC these companies sent me a warrant in the mail sueing me. I finished my contract with them on XX/XX/XXXX. Consumer legal kept my account open I had to close that account because Consumer Legal PC, was adding other accounts in which I did not ask them to handle. The accounts I had Consumer Legal handle were all finished according to my contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: LA

Complaint narrative:
I am disputing the following accounts listed under my Equifax report. I respectfully request a thorough investigation of these accounts in line with the FCRA. If any information can not be verified, I request removal of the disputed items. 

CHARGED OFF XXXX XXXX, Account No. XXXX, Date Opened : XX/XX/year>, Balance : {$650.00} INQUIRIES No inquiries found for this bureau. 

POSITIVE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX XXXX, Account No. XXXX

Company response to consumer: Closed with non-monetary relief