vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and unauthorized information appearing on my credit report. Specifically, the account XXXX ( Acct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * * is being reported as Late/Closed with a balance of {$0.00}, and there is an unauthorized inquiry from XXXX dated XX/XX/year>. I did not open this account or authorize this inquiry. These items are the result of identity theft.The inquiry violates FCRA XXXX ( a ) ( 15 U.S.C. XXXX ( a ) ), which requires permissible purpose before a consumer report can be accessed. No such purpose existed. 
It further implicates FCRA XXXX ( 15 U.S.C. XXXX ), which prohibits obtaining a consumer report under false pretenses. 
The account reporting violates FCRA XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ), which requires that credit reporting agencies maintain maximum possible accuracy. Reporting a closed account with {$0.00} balance that I never authorized is inaccurate and misleading. 
Under FCRA XXXX ( a ) ( 15 U.S.C. XXXX ( a ) ), I have a right to dispute inaccurate information and request a reinvestigation.

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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I have been dealing with midland credit management for months trying to get them to remove their tradeline off my credit report. At first they said they were not on my report and then it did show up on my report. They have yet to be able to prove they actually bought the alleged debt. When I ask them to send legal verification and authenticate the alleged statements they are trying too send, they have yet been able too. Or have ignored my request. I believed the only purchased just a portfolio of alleged accounts. This is not the same thing as actually purchasing alleged debt. XXXX  XXXX the alleged lender, places the instruments of indebtedness usually in SPV or similar system. Meaning they no longer own the alleged debt. In order to legally sell the actual debt. XXXX XXXX  would have had to repurchase all alleged instruments of indebtedness and transfer ALL alleged promissory notes to them in an actual debt sell. So I believe midland credit management is fraudulently reporting false and misinformation to the credit reporting agencies. Which is also a form of credit defamation of character. Not only that, Midland has threatened me that they might send personal information to attorney to try to sue, when I have never even authorized them to have any personal information on me. I am trying to get their tradeline off my credit resolved here. Ill go to states attorney next if they can not get this resolved quickly and their fraudulent tradeline off my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate reporting of a charged-off account. The creditor is reporting the same account as a charge-off every month, instead of reflecting it as a one-time historical event. 
This practice is misleading, creates the false impression of new derogatory activity each month, and causes significant harm to my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit reporting agencies are required to report information that is accurate and not misleading. A charge-off can only be reported once ; it can not be re-aged or re-reported monthly as if it were a new delinquency.

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 2025-08-29 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: AZ

Complaint narrative:
I have been a victim of identity theft for over 3 years now someone one has been using my personal information to sucure goods and services using my personal information and profile, fraudulent accounts has been opened in my name without my knowledge, and I am willing to working with law enforcement to capture the people responsible for these actions.

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 2025-08-29 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: NY

Complaint narrative:
I am submitting this complaint against Equifax for their repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my ongoing identity theft dispute. Despite submitting my original dispute on XX/XX/2025, and two follow-up letters dated XX/XX/2025, and XX/XX/ 2025, Equifax has failed to remove fraudulent account from my credit report. The account in questionXXXX XXXX - XXXX XXXX XXXXXXXXremain on my file despite my providing multiple FTC Identity Theft Reports, government-issued ID, proof of address, and sworn statements under penalty of perjury. Under FCRA 605B, Equifax was required to block all fraudulent information within four business days of receiving proof of identity theft, and under FCRA 611 ( a ), they were obligated to complete a reinvestigation and provide results within thirty days. Their failure to comply with these obligations is a direct violation of federal law and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: OH

Complaint narrative:
I recently obtain a copy of my credit report, upon reviewing i notice a several inaccuracy on my account, which is hurting my ability to obtain credit.i will like to have this inaccuracy investigated on my behalf, to ensure accuracy.below are the requested account Company name - XXXX XXXX XXXX XXXX Account number- 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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I recently obtain a copy of my credit report, upon reviewing i notice a several inaccuracy on my account, which is hurting my ability to obtain credit.i will like to have this inaccuracy investigated on my behalf, to ensure accuracy.below are the requested account Company name - XXXX XXXX XXXX XXXX Account number- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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:
. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised.

Account name : XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} Account name : XXXX XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$20.00} Account name : BH/XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$99.00} Account name 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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: I.C. System, Inc.
State: TX

Complaint narrative:
I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor. 

Date of Last Activity. 

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 

Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 

The obligation between your company I.C. SYSTEM, INCXXXX XXXX XXXX XXXXXXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 

Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 

Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )

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 2025-08-29 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: TX

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXX ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from 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 2025-08-29 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: MO

Complaint narrative:
This account with XXXX XXXX should not be reporting on my consumer report as a cease and desist letter was sent to and received by them on XX/XX/year>. Therefore as of that date this account should have been deleted from my credit report. Continued credit reporting is considered violation of the cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 2025-08-29 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: CA

Complaint narrative:
I am filing this complaint against TransUnion for willfully and negligently failing to correct inaccurate personal information on my credit file despite my prior dispute and supporting documentation. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), the bureau is legally obligated to conduct a reasonable reinvestigation and ensure that all information reported is accurate and verifiable. Instead, they continue to publish incorrect and damaging personal information on my credit report, including XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, even after I submitted clear documentation to prove these errors. This conduct is a blatant violation of my consumer rights, causing harm to my reputation and financial standing. 

I am demanding that the CFPB order TransUnion to immediately delete all inaccurate and unverifiable personal information from my file, update my report with the correct information, and provide me with written confirmation and a corrected copy of my credit report. Their ongoing failure to comply with federal law demonstrates willful neglect, and I request that the CFPB hold them accountable for these violations.

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 2025-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Columbia debtXX/XX/XXXXXXXX During pandemic i moved out and XXXXXX/XX/XXXXcovered my remaining rent balance. Stated by management at the time the months they were waiting for payment from XXXXXX/XX/XXXX I was accountable because they couldn't rent the apartment. I was not present in apartment nor on property. I do not concent to verbal communication pertaining to this debt. Please validate this debt in writing including original agreement or cease all collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of my disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request the blocking of fraudulent account and inquiries that have been reported on my credit file. This request is being made under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( XXXX XXXX Code XXXX ), which requires credit reporting agencies to block such information upon proper notice and documentation. The following fraudulent account and inquiries were initiated without my knowledge or authorization. The fraudulent accounts are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.. The fraudulent inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by law, I am including the following documentation : 1. A valid Identity Theft Report filed with the Federal Trade Commission ( FTC ) 2. A copy of my government-issued ID and SSN. 3. Proof of my current address. All documentation has been included with this dispute to fully verify my identity and address. No further confirmation should be required. Please be advised that I am not working with any third party or credit repair agency. This dispute and all accompanying documents were prepared and submitted by me, the consumer, directly. This is not a mistake, and I am fully aware of the contents and purpose of this request. I am asserting my rights under FCRA 605B as a consumer and a victim of identity theft. I am requesting that these fraudulent accounts be blocked from my file in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
I am submitting this follow-up complaint regarding a previously filed concerning an erroneous XXXX late payment reported on my Dept. of EDXXXX account ( XXXX ) on my Experian credit report. 

Despite my original request for an investigation, I have not received a satisfactory explanation, validation, or correction of the reporting issue. I am once again asking the Consumer Financial Protection Bureau to step in and assist in ensuring that my rights under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ) are upheld.

The account in question is currently showing a 90-day delinquency for a specific reporting period. However, there is no preceding 30-day or 60-day late entry shown on the credit report for this account. This is not only inconsistent with how delinquencies are required to be reported sequentially, but it is also extremely damaging to my credit profile. 

As a responsible borrower, I was shocked to see this derogatory entry appear without proper warning, documentation, or escalation. 

Under FCBA ( 15 U.S. Code 1666a ), creditors are prohibited from taking adverse actions or reporting derogatory information on an account while a billing error is being disputed or when the information is not fully verified.

Additionally, FCRA 607 ( b ) requires furnishers and credit reporting agencies to ensure the maximum possible accuracy of information reported.

FCRA 611 provides consumers the right to dispute any incomplete or inaccurate information and compels credit bureaus and furnishers to conduct a reasonable reinvestigation.

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 2025-08-29 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: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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