vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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:
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 non-monetary relief
Consumer complaint received 2025-09-15 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:
On XX/XX/year>, I confirmed through the official Equifax Data Breach Settlement portal ( Engagement No. XXXX ) that my personal information was impacted by the Equifax data breach. Because my sensitive consumer data was compromised, I am experiencing negative credit reporting and inaccurate information on my Equifax credit file. Derogatory accounts such as charge-offs and collections were reported after my data was exposed. These items are the result of compromised information, not legitimate transactions. I am requesting protection under the Fair Credit Reporting Act, including blocking of adverse information under 15 U.S.C. 1681c-2 and correction of all unverifiable or inaccurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: PLANET HOME LENDING, LLC
State: OK

Complaint narrative:
Planet home lending is saying we owe over XXXX  for attorney fees but the supervisor said back in XXXX they would take thar off because we had a payment plan setup 2 day before they filed foreclosure but they still haven't. And now I keep getting the rum around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
What happened was I don't know this company I never did dealings with this company I don't know why do I owe them XXXX and I would like that to be removed as quick as possible please off of my credit report

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
The date of XXXXXXXX XXXX is when my car was repossessed. i set up a payment arrange to pay the balance.They told me that would be good and then the next day my car was taken away. No worrying or anything. 

I am writing to dispute the accuracy of the above-referenced account being reported by Credit Acceptance . The information is inaccurate, misleading, and incomplete for the following reasons : 1. Electronic Signature Concerns I dispute the validit

y of the electronic signature and never received proper disclosures under the E-Sign Act. 2. Inflated Balance The account includes charges for add-ons such as extended warranty, GAP, and service contracts that were not voluntarily agreed to.

3. Dealer Kickback Arrangement The lender paid the dealership a discount/kickback, which was not properly disclosed at signing, making the terms unfair and misleading.

4. Repossession Reporting I was not given the opportunity to voluntarily surrender the vehicle before repossession, making the account status reported inaccurate and incomplete.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT INC OPENED XX/XX/year> AMOUNT {$7000.00} I have tried to resolved this issue many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM

Complaint narrative:
Chex systems I tried talking to them about they did fraud on me they send me some checks supposedly for a painting job and I tried to put it in my bank and it was fraud I have the txt messages from were they send the checks and the checks pictures now I cant open any checking 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 2025-09-15 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: NC

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 XXXX  Account number : XXXX Date Opened : XX/XX/year> Balance : {$630.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Summer of XXXX, I've returned ( 1 ) old XXXX cable box, obsoleted equipment that was out dated, And no longer working .... amount N/A to the XXXX customer service center location ... and the account was paided in full & closed... But i got a copy of my credit report and TRANSWORLD SYSTEMS INC. keeps reporting a inaccurate information since 2019 keep dispute item won't remove from reoport

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
XXXX XXXX OPENED XXXX XXXX XXXX  AMOUNT {$210.00} I made several attempts to resolved this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
A company that i have never entered into contract with is on my credit report stating that I am deliquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On Friday, I escalated my Apple Card application issue to a supervisor responsible for Apple Credit Card applications. She informed me she had created case XXXX and assured me I would receive follow-up. 

Today, while speaking with another supervisor from the same Apple Credit Card line, she told me this case had been closed andshockinglythat it was not even connected to Apple Credit Card. She then suggested creating a new case ( XXXX ) and provided her name as XXXX. An audio recording proving this conversation is attached. 

I have repeatedly requested that all communication be conducted in writing to preserve evidence, but they refuse. My inquiries are ignored, I am misled, and I am forced to waste enormous amounts of timeabout half a day today alone ( XXXX XXXX XXXX ) repeating the same process day after day. This is outrageous and unacceptable. They repeatedly evade the issue, create cases, then close them without providing feedback or resolving the problem. Today I was again told to re-escalate my request, trapping me in an endless loop. 

The core problem is that Apple/Goldman Sachs claim they can not verify my residential address, yet they outright refuse to review or accept any valid proof of my residency ( drivers license, utility bills, or other legal documents ). This behavior appears highly improper and potentially unlawful under consumer protection and credit laws, including the Equal Credit Opportunity Act ( ECOA ), which requires a clear, written explanation of adverse action within 30 days.

Their refusal to verify my address, refusal to review valid documentation, and pattern of closing cases without feedback is misleading, wastes consumer time, and undermines fair credit practices. I urge CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-09-15 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:
This is my second dispute, and the continued presence of inaccurate, unverifiable, or misleading information on my credit report is unacceptable. Under the FCRA 1681i and 1681s-2, furnishers and credit reporting agencies are required to fully verify the accuracy of all reported information. Additionally, under the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531, any deceptive or unfair reporting is prohibited. I demand that all unverifiable items be deleted immediately.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against BARCLAYS BANK DELAWARE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. 
Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

BRCLYSBANKDE XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: KY

Complaint narrative:
This company contacted me supposedly for XXXX XXXX XXXX and stated that I owed them money because it was a debt that needed to be collected. I asked them to send a validation letter so I can see the debt the account number and the school that was coming from they stated that the letter had been sent out on XXXX XXXX. It is now XX/XX/XXXX. I still havent received a letter yet. They continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: CA

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-09-15 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: CA

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

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 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I previously held an auto insurance policy with XXXX XXXX while residing in XXXX  XXXX. After relocating to XXXX, I was informed by XXXX that their branch does not provide insurance coverage in XXXX  and that I needed to seek new coverage. I did exactly that, securing a XXXX  auto insurance policy on the same day. From that point forward, I had no further business with XXXX. 

To my surprise, I recently discovered that XXXX has reported a collection account in the amount of {$370.00} against me. I never received any prior notice of this alleged debt, either in writing or electronically, before it appeared on my credit report. This raises serious concerns of compliance with the law. 

Specifically : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, debt collectors are required to provide written notice of the debt within 5 days of initial communication, giving the consumer an opportunity to dispute the debt.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies must investigate disputed information and delete any item that can not be verified as accurate.

Under XXXX  Debt Collection Regulations, 940 CMR 7.04 ( 1 ), debt collectors must send written notice of the debt to the consumer before taking action that affects the consumers credit.

Further, XXXX  General Laws Chapter 93, Sections 2428 regulates debt collectors and prohibits unfair or deceptive acts in the collection of debts. 

XXXX ( or any third-party collector they used ) failed to provide me with required notice, violating both federal and state laws designed to protect consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Valuation and Account History Dear Cavalry Portfolio Services, I am writing to formally request a detailed valuation of the alleged debt referenced under the following information : To accurately assess and validate this debt, please provide the following account history details : Date of First Delinquency Date of Last Payment Date of Charge-Off ( if applicable ) The amount of the debt, including a breakdown of fees, interest, and principal. 
The name of the original creditor. 
A signed agreement or contract. 
Billing statements. 
Detailed account history. 

This information is necessary for me to fully understand the nature and status of the alleged obligation and to ensure the debt is reported and collected accurately, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) specifically 15 U.S. Code 1692g and Fair Credit Reporting Act ( FCRA ) and request that the debt collector proves the debt is valid and legally collectible. 

Please respond in writing to the address listed above within 30 days of receipt of this request. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation