vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: MA

Complaint narrative:
Dear Credit Bureau Legal Team : XXXX Cfpb : I am disputing a 90-day late payment reported by XXXX XXXX on my student loan in XX/XX/year>2025. I was never sent written notice or warning of this delinquency, which is a direct violation of FCRA 623 ( a ) ( 7 ) ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ), requiring notice before reporting negative information. No mailed or electronic alert was provided. Since XXXX, Ive made every payment on time and enrolled in autopay. 

This report is inaccurate, misleading, and legally noncompliant. Under FCRA 611 ( 15 U.S.C. 1681i ), the bureaus must reinvestigate disputed data and delete it if its unverifiable. XXXX has failed to provide validation or documentation of this delinquency. They are required under FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) to investigate and correct or delete inaccurate information. 

Further, because this is a federal student loan, XXXX is also bound by XXXX and Higher Education Act obligations regarding communication and data privacy. Reporting without consumer-facing documentation or notice is a violation of both federal education and consumer protection law.

This derogatory mark is damaging, unsupported, and must be removed. As established in XXXX v. TransUnion and XXXX XXXX XXXX, failure to verify disputed data creates legal liability. I demand immediate deletion of this 90-day late entry and written confirmation that it has been corrected across all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MA

Complaint narrative:
Dear Credit Bureau Legal Team : XXXX Cfpb : I am disputing a 90-day late payment reported by XXXX XXXX on my student loan in XX/XX/year>2025. I was never sent written notice or warning of this delinquency, which is a direct violation of FCRA 623 ( a ) ( 7 ) ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ), requiring notice before reporting negative information. No mailed or electronic alert was provided. Since XXXX, Ive made every payment on time and enrolled in autopay. 

This report is inaccurate, misleading, and legally noncompliant. Under FCRA 611 ( 15 U.S.C. 1681i ), the bureaus must reinvestigate disputed data and delete it if its unverifiable. XXXX has failed to provide validation or documentation of this delinquency. They are required under FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) to investigate and correct or delete inaccurate information. 

Further, because this is a federal student loan, XXXX is also bound by XXXX and Higher Education Act obligations regarding communication and data privacy. Reporting without consumer-facing documentation or notice is a violation of both federal education and consumer protection law.

This derogatory mark is damaging, unsupported, and must be removed. As established in XXXX v. TransUnion and XXXX XXXX XXXX, failure to verify disputed data creates legal liability. I demand immediate deletion of this 90-day late entry and written confirmation that it has been corrected across all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: OR

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: OR

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to 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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
The original creditor, XXXXXXXX XXXX XXXX charged off a credit card account and sold it to Midland Credit Management ( MCM ) without ever notifying me of the sale. I was not provided any warning or documentation about the account transfer. The charge-off occurred in early XXXX, but the Midland collection account was opened in XX/XX/XXXX, nearly a year and a half later, and reported inaccurately on my credit file with a balance of {$2000.00}. 

Since the transfer, Midland Credit Management has repeatedly harassed me by sending numerous letters to my family home, where I do not live anymore and have not resided for some time. This has caused emotional distress and confusion for my family members. I never authorized communication to that address, and Midland has failed to update their contact information despite my efforts. 

They have also made repeated attempts to contact me directly, including phone calls and collection notices, without providing a proper debt validation notice, as required under the Fair Debt Collection Practices Act ( FDCPA ). They have not broken down the original debt, added fees, or explained how the balance went from a charge-off with partial payment to the full {$2000.00} showing in collections. The timeline and amounts reported between XXXX and Midland are inconsistent and confusing. 

This account has appeared on my credit report for years and has significantly damaged my credit score, impacting my ability to qualify for financial services, jobs, and housing. Despite disputing this entry, it remains unresolved and inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Moore Law Group
State: CO

Complaint narrative:
In XX/XX/year>, I received a letter from The XXXX XXXX offices stating : We will obtain verification of the debt or copy of the judgement against you. If any, and will mail such verification of the debt or a copy of the judgement against you. '' Implying a judgement against me without due process. I sent The XXXX XXXX XXXX a letter stating that they can not state I will be notified of a judgement already placed without due process. 

I received a letter back stating they needed XXXX  days to investigate and respond. 

However they continued illegal practices, I arrived home at XXXX, XXXX, XX/XX/XXXX, XXXX there was nothing in my entryway or on my property. 

Saturday, XX/XX/year>, XXXX, I was walking on the public sidewalk in front of my house and found a copy of court documents face up for public viewing that had been there for XXXX hours for anyone in the neighborhood walking on the public sidewalk to view. The sidewalk is the pathway to the HOA park having heavy foot traffic. The court order of appearance has not been court stamped or signed by a judge " fake court orders ''. There is a staple that shows a couple pages have been torn off. 

I looked at my ring camera video to discover, XXXX, XX/XX/year>, XXXX a large man was knocking on my door multiple times. He had papers in his hand that where stapled together. I know the front page was not a court order front page but something else. I believe he tore the pages viewable to the camera off and left the " fake '' court orders in view to the public on purpose. 

This is twice The XXXX XXXX firm has violated, The Fair Debt Collection Practices Act ( FDCPA ) makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
On XX/XX/scrub>, 2025, a total of {$2700.00} was fraudulently withdrawn from my account via XXXX XXXX without my authorization. Upon discovering this, I immediately took steps to recover the funds. SoFi Initiated a Chargeback ( Reversal ). 
After I reported the transaction as unauthorized, SoFi reversed the charge, meaning they pulled the funds back from XXXX XXXX as part of the dispute process. This is a standard chargeback process handled by the bankXXXX XXXX XXXX Confirmed the Fraud and Did Not Retain the Funds. XXXX XXXX investigated the matter and acknowledged the transaction was fraudulent. However, since SoFi had already pulled the funds back via chargeback, XXXX XXXX no longer had the funds in their possession. XXXX XXXX provided documentation confirming that they do not hold the funds. They explained that the refund appears to have happened on their end, and was debited back to the card on file. SoFi Still Holds the Funds and XXXX XXXX has confirmed in writing that the funds were returned to the original account holder ( me ). 

This means : XXXX XXXX refunded nothing out-of-pocket the refund only shows because SoFi pulled the money back.

SoFi still holds the {$2700.00}, and the money was never returned to my account. 
I am currently missing {$2700.00} because : The transaction was fraudulent. 
SoFi reversed the charge and took back the funds from XXXX XXXX. 
XXXX XXXX no longer has the funds, and SoFi has not returned them to me. 
Therefore, SoFi is still in possession of my funds and needs to complete the refund to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
XXXX XXXX XXXX is reporting an unverified account on my credit report dated XX/XX/year>, with a balance of {$370.00}, which I, XXXX XXXX, do not recognize or owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I sent a Cease and Desist letter on XX/XX/year>, requesting validation, including the original signed agreement and a full accounting of the debts origin ( see attached ). XXXX has failed to provide this documentation, yet continues to report the account to consumer reporting agencies, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

XXXX was also involved in the XXXX data breach, which may have compromised my personal information, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). I revoked consent for data sharing on XX/XX/year> ( see attached Privacy and Consent Revocation Letter ). This has caused financial and emotional distress, including possible credit harm. 

I attempted to resolve this with XXXX via the attached letters but received no satisfactory response. I request an investigation and corrective action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NY

Complaint narrative:
XXXX XXXX XXXX is reporting an unverified account on my credit report dated XX/XX/year>, with a balance of {$370.00}, which I, XXXX XXXX, do not recognize or owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I sent a Cease and Desist letter on XX/XX/year>, requesting validation, including the original signed agreement and a full accounting of the debts origin ( see attached ). XXXX has failed to provide this documentation, yet continues to report the account to consumer reporting agencies, violating the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

XXXX was also involved in the XXXX data breach, which may have compromised my personal information, violating the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ). I revoked consent for data sharing on XX/XX/year> ( see attached Privacy and Consent Revocation Letter ). This has caused financial and emotional distress, including possible credit harm. 

I attempted to resolve this with XXXX via the attached letters but received no satisfactory response. I request an investigation and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TX

Complaint narrative:
These unauthorized inquiries reflect inaccurately on my credit report. I request that they be promptly deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
Please review to remove the follow items as the items referenced are under The FTC Fraud Affidavit.

Employment History : Current and former employment for XXXX XXXX are incorrect. 


Formerly Known As XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: 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 explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am facing a very difficult time as a victim of identity theft. These accounts were opened without my knowledge or consent. This ongoing fraudulent activity is causing me significant distress and disrupting my daily life. I kindly urge you to BLOCK and REMOVE these items from my record immediately. 


The accounts include XXXX - credit card - opened in XX/XX/XXXX XXXX XXXX - credit card - opened in XX/XX/XXXX XXXX credit card - opened in XX/XX/XXXX XXXX  XXXX - collection - opened in XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX collection - opened in XX/XX/XXXX And the INQUIRIE - XXXX  Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
Western Shamrock Finance XXXX TX Has repeatedly called my job my phone my friends and also emails me repeatedly after I have sent them via email and certified mail to cease and desist letter. They will not comply. This is violating my rights! There is a law under FDCPA. I have asked them to cease and desist.

Company response to consumer: Closed with explanation