vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
CONCORA HAS CREATED AN UNFAIR, CONFUSING, AND HOSTILE SERVICING ENVIRONMENT ACROSS ALL THREE OF MY ACCOUNTS ( INDIGO, DESTINY, AND MILESTONE ). Despite multiple documented hardship notices and formal regulatory filings, Concora refuses to provide anything in writing. They continue to push call us scripts, which violate my request for written communication only. 

This is now MONTH TWO of being unable to pay due to job loss. Instead of working with me, Concora increased my minimum payments, added fees. They are fully aware of this request, yet continue to ignore it. 

Their response on a prior CFPB complaint was generic, delayed by WEEKS, and did not address anything I actually said. They falsely claimed options can not be offered in writing, which is unacceptable and appears designed to avoid regulatory documentation. Meanwhile they continue to pressure me to call, even though they claim my account is under cease-and-desistanother contradictory and confusing representation. 

Concora also stated in writing that they can assist with hardship, yet provide no written explanation of what those hardship options are. They continue to raise minimum payments, add new fees, and send physical mail, while offering no actual support or clarity. 

This servicing behavior is abusive, unprofessional, and shows complete disregard for my documented hardship, my privacy rights, and my repeated written communication requests. I need these accounts handled * * fairly, consistently, and in WRITING * *, not through hostile call-center scripts and contradictory statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-02 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: NC

Complaint narrative:
Please see supporting documents pertaining to XXXX data breach

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 2025-12-02 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: SC

Complaint narrative:
I am filing this complaint because all three major credit bureaus Equifax, Experian, and TransUnion have reported multiple inaccurate, obsolete, and unverified items on my credit file despite my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. My reports contain false personal information, including an incorrect name variation for XXXX XXXX XXXX, multiple inaccurate employers ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ), and a series of old or incorrect addresses ( 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 ) that violate FCRA 607 ( b ) and FCRA 605 regarding outdated and inaccurate data. In addition, several accounts appear on my credit file without validation or proof of ownership, including a Professional Finance charge-off ( ending XXXX, balance {$8800.00} ), which lacks a verified DOFD required under FCRA 623 ( a ) ( 5 ) and was reported without proper validation in violation of FDCPA 809, 807, and 808. Multiple collection accounts XXXX XXXX XXXX  ( XXXX  XXXX  {$25.00} & {$33.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} ), XXXX XXXX XXXX XXXX XXXX {$730.00} ), and XXXX XXXX  XXXX XXXX XXXX {$7500.00} ) also appear inaccurate or unverifiable, particularly because they are linked to the incorrect addresses listed above, making their reporting noncompliant with FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611. Furthermore, my credit file contains a long list of unauthorized or unverified hard inquiries from companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and others across dates spanning XXXX, many of which have no permissible purpose under FCRA 604 ( a ) and continue to harm my credit profile in violation of FCRA 605 ( a ). Despite my disputes, the credit bureaus have failed to conduct reasonable investigations or provide documentation proving the accuracy, ownership, or permissibility of these items, violating my rights under FCRA 611 and FCRA 609 ( a ) ( 1 ). I am requesting CFPB intervention as these continued inaccuracies and unverified entries are causing material financial harm, inaccurate creditworthiness representation, and emotional and economic distress.

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 2025-12-02 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: SC

Complaint narrative:
I am filing this complaint because all three major credit bureaus Equifax, Experian, and TransUnion have reported multiple inaccurate, obsolete, and unverified items on my credit file despite my rights under the Fair Credit Reporting Act and Fair Debt Collection Practices Act. My reports contain false personal information, including an incorrect name variation for XXXX XXXX XXXX, multiple inaccurate employers ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ), and a series of old or incorrect addresses ( 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 ) that violate FCRA 607 ( b ) and FCRA 605 regarding outdated and inaccurate data. In addition, several accounts appear on my credit file without validation or proof of ownership, including a Professional Finance charge-off ( ending XXXX, balance {$8800.00} ), which lacks a verified DOFD required under FCRA 623 ( a ) ( 5 ) and was reported without proper validation in violation of FDCPA 809, 807, and 808. Multiple collection accounts XXXX XXXX XXXX  ( XXXX  XXXX  {$25.00} & {$33.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} ), XXXX XXXX XXXX XXXX XXXX {$730.00} ), and XXXX XXXX  XXXX XXXX XXXX {$7500.00} ) also appear inaccurate or unverifiable, particularly because they are linked to the incorrect addresses listed above, making their reporting noncompliant with FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 611. Furthermore, my credit file contains a long list of unauthorized or unverified hard inquiries from companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and others across dates spanning XXXX, many of which have no permissible purpose under FCRA 604 ( a ) and continue to harm my credit profile in violation of FCRA 605 ( a ). Despite my disputes, the credit bureaus have failed to conduct reasonable investigations or provide documentation proving the accuracy, ownership, or permissibility of these items, violating my rights under FCRA 611 and FCRA 609 ( a ) ( 1 ). I am requesting CFPB intervention as these continued inaccuracies and unverified entries are causing material financial harm, inaccurate creditworthiness representation, and emotional and economic distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Access Receivables of NC Inc.
State: MO

Complaint narrative:
Unauthorized Business Collection Reporting Dispute of Unauthorized and Potentially Fraudulent Business Collection Reporting Business Name : XXXX XXXX XXXX XXXX Reporting Agency : Access Receivables Management I am filing a complaint regarding an unrecognized business collection account that Access Receivables Management is reporting under my company, XXXX XXXX XXXX XXXX. I do not recognize this account, nor do I have any record of any outstanding obligation, agreement, or contract that would justify a {$350.00} collection placement. 

The account appears as follows : Agency : Access Receivables Management Amount : {$350.00} Date placed : XX/XX/XXXX Date closed : XX/XX/XXXX Status : Closed by request of creditor This account is not familiar to me, and I have no documentation or knowledge of any debt owed to the original creditor. The reporting of this collection may be the result of identity theft, data error, or misattribution of another entitys debt to my business. 

Additionally, the status Closed by request of creditor indicates that the original creditor rescinded or terminated the placement. In that circumstance, Access Receivables Management should not continue reporting a closed or rescinded collection to any commercial credit bureau. 

This inaccurate reporting is harming my business credit profile and misrepresenting the financial status of my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Please see supporting documents pertaining to XXXX data breach

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was cleared in full, but the report still lists it as having late payments.

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 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: CO

Complaint narrative:
I am working to repair my house after an electrical fire. CMG XXXX XXXX is withholding funds. 

We have conducted XXXX inspections and scheduled XXXX others. We have been attempting to schedule the final inspection for XXXX months to get the final {$16000.00} released. The inspector did not show up to our first attempted final inspection. They said the video quality wasn't good enough for a subsequent virtual one and voided the results. When we tried a XXXX time, they also no-showed. When we escalated, we were casually told our inspection had been cancelled because our loan had been transferred. But that loan transfer was to a different CMG affiliate ( may have been CMG Financial before, now it's CMG XXXX XXXX ). CMG can not answer questions about the status of my funds and will not schedule a final inspection. CMG has toured me to their new " loss draft '' department which is really just XXXX XXXX. CMG 's loss draft department tells me they don't have any details on my claim and that I will need to provide new documents - when this has spanned a full year and CMG cancelled my final inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Creditor attempting to collect on a charged-off debt and didn't send a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

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 2025-12-02 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Company discharged the and I didn't receive a 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
On XX/XX/year> credit control llc put a collection on my credit report for T-Mobile I have no knowledge of this account i am not responsible for this debt with credit control llc do not have a contract with this agency also

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 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
I am filing a complaint regarding a rental debt that was sent to collections by my former landlord. This debt is inaccurate. The property manager, XXXX, admitted that I did notify them that I was moving, but the landlord reported to the debt collector that I did not give notice. Because of this false claim, the account was wrongfully sent to collections. 

I paid the collection agency {$300.00}, but this payment was made simply to stop further damage because the landlord reported incorrect information. The debt itself should never have been placed into collections in the first place. 

Under the FDCPA and FCRA, furnishers must report accurate information. Sending a debt to collections after admitting I gave proper notice is a violation because the debt is not valid and based on false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Sunbit, Inc.
State: IL

Complaint narrative:
I made multiple payments and charges just kept showing up and I told their parent company XXXX who works with my card company Sunbit to help me with my dispute in the charges keep coming in and my card is closed and they never sent me a new card. I dont know what is going on, but this feels like some kind of scam I shouldnt know anything at this point because I pay my balance. as well as reported all of the charges I dont know why it keeps going out of balance and why nobody is helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I tried opening up a new account at a credit union, and I was advised that I am in the check system due to fraudulent activity on an account that I did not commit any fraudulent activity on. I reached out to the bank where the fraudulent activity is located and they stated that there were several XXXX ATMs that money was pulled out of from a wire transfer. This was not me. I notified the bank to check the cameras and I have not heard anything back from them. This is preventing me from opening up a bank account.

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 2025-12-02 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: GA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief