vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am formally disputing the Midland Credit Management collection account # XXXX  that is currently reporting on my credit file. Midland has failed to provide proof of ownership or original creditor documentation, which is required to verify accuracy under FCRA 623 ( a ) ( 3 ). 

Under FCRA 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable or inaccurate accounts must be deleted. I request immediate removal of this account from my credit reports with XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-19 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 accurate. 
XXXX Account Number : XXXX Please remove it from my credit report.

2. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

3. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2025, I discovered my Experian credit file shows an incorrect date of birth and a current address I do not recognize. I learned this while placing XXXX  with all XXXX  bureaus ; XXXX  and XXXX  are correct, but Experian is not. I did not create an Experian online account and XXXX concerned about unauthorized access. On XX/XX/2025, I called Experian to correct this, but the issue remains unresolved. I also recently lost my passport and Social Security card, and I am concerned that my information XXXX have been used to change my Experian file.

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 2025-09-19 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am requesting an immediate of adding of freeze on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX reported with a {$210.00} balance, opened on XX/XX/XXXX and last reported on XX/XX/XXXX. This reporting is inaccurate and negatively impacts my credit profile. Under FCRA 607 ( b ), furnishers must ensure maximum possible accuracy, and under 611 ( a ), I have the right to reinvestigation. If the account can not be fully verified with proper documentation, it must be corrected as required by law.

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 2025-09-19 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:
To Whom It May Concern, Subject : Final Demand for Removal of Fraudulent Accounts and Inquiries FCRA Dispute I am writing to formally dispute and demand the immediate removal of all fraudulent accounts and inquiries listed on my credit report. This letter serves as my final notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding the inaccurate and unauthorized information being reported. 

After reviewing my credit reports from TransUnion, Experian, and Equifax, I have identified multiple accounts and inquiries that are fraudulent and were not authorized by me. These entries are damaging my credit profile and misrepresent my financial history. 

The only valid account on my credit report is XXXX. All other accounts and inquiries are fraudulent and must be removed immediately. 

I have previously submitted supporting documentation, including a police report and a hospital letter, confirming that I was a victim of identity theft. These documents substantiate my claim and satisfy the requirements under FCRA 1681c-2 for blocking fraudulent information. 

Therefore, I demand the following : Immediate deletion of all fraudulent accounts from my credit report. 

Immediate removal of all unauthorized inquiries. 

Written confirmation that these deletions have been completed. 

Updated copies of my credit report reflecting these corrections. 

Failure to comply with this request within 30 days will leave me no choice but to escalate this matter through formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney Generals Office, and consider legal action for willful noncompliance under FCRA 1681n. 

Please treat this letter as a formal dispute and final demand. I expect your full cooperation and resolution without delay. 





XXXX  Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX XXXX Account XXXX ending in XXXX XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX From TransUnion Report XXXX Account # ending in XXXX XXXX XXXX Account XXXX ending in XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX XXXX  Account XXXX XXXX in XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account XXXX XXXX in XXXX XXXX XXXX  Account # ending in XXXX XXXX XXXX Account # ending in XXXX From Experian Report XXXX Account # ending in XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX Account # ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: NJ

Complaint narrative:
I am disputing the XXXX XXXX account account appearing on my XXXX, Experian, and XXXX XXXX reports. 
XXXX XXXX is reporting inconsistent dates of first delinquency and balances across the three bureaus, violating FCRA 607 ( b ). Under FCRA 611 ( a ), I have the right to verification. Capital One has failed to provide a signed agreement or complete payment history. Per 15 USC 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted. 
Please remove this account 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 2025-09-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX XXXX, TX XXXX Date : XX/XX/year> To : Caine & Weiner Company , Inc . 
XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Re : Alleged Balance : {$190.00} NOTICE OF DISPUTE & DEMAND FOR VALIDATION I am formally disputing the alleged debt listed above. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ( b ) ), I demand full validation and investigation of this account.

Validation Required Provide a legible copy of the original signed contract or obligation, the complete chain of assignment/ownership, and documentation proving your legal right to collect this debt.

A bill, invoice, or generic statement does not constitute validation under federal law.

Credit Reporting Obligations If you can not validate, you must immediately delete this tradeline from Experian, Equifax, and TransUnion.

Reporting unverifiable or inaccurate information is a violation of 15 U.S.C. 1681s-2 ( b ).

Collection Activity Until full validation is provided, you are required to cease all collection activity in accordance with FDCPA 809 ( b ).

Failure to provide proper validation within 30 days of receipt will result in a demand for deletion of this account from all credit files. Non-compliance will be escalated to the CFPB, FTC, and State Attorney General, as well as potential civil litigation for damages under both FDCPA and FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: AR

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested XXXX  months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX BANK SS # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$3000.00} XXXX  # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$12000.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX 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 2025-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: V and H Portfolio
State: CA

Complaint narrative:
Ive been contacted by Vance & Huffman XXXX XXXX about a debt, and honestly this has been XXXX of the most frustrating experiences Ive ever dealt with. Ive called their numbers multiple times during the day, during their supposed business hours, and I can never get through to a real person. Every time its just endless recordings, loops, or it hangs up. Ive never been able to speak with an actual human being. 

All Ive asked for is something very basic : validation of the debt in writing and the chance to talk to someone who can explain it to me. Thats my right, and yet they make it feel impossible. Its not just inconvenient ts exhausting. This has tested my patience and my emotions. It feels like they want to hide behind machines instead of actually dealing with people. 

At this point, I feel like its not even safe for people to get involved with a company that wont allow you to reach them. If theyre asking for money, the least they can do is answer the phone and give clear information. Instead, its nothing but stress, wasted time, and frustration. 

They need to make it easier to reach a live person and give people the information they ask for. Right now, it feels like they go out of their way to avoid accountability, and thats not okay. 

XXXX asking the CFPB to step in and make them fix this issue. They should be required to provide clear, reliable ways for consumers to reach a representative and to respond to requests for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am requesting an immediate of adding of XXXX  on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$950.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXXXXXX 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 2025-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I have numerous student loans with Mohela. I fell under the XXXX borrower 's defense forgiveness in XXXX. I have reached out numerous times to Mohela and they have still not updated the status of my loan to reflect it has been forgiven. I currently show a balance of {$50000.00} which is hard to continue to carry on my credit report. I feel I am also entitled to my refund of the {$20000.00} worth of payments made to XXXX at that time. Since I applied for XXXX, my loans were transferred to Mohela. This puts me in such a stressful situation and I'd like to have this all sorted and done with. Please help.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-19 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -Balance {$1100.00} -Date Opened XX/XX/XXXX XXXX XXXX # XXXX -Balance {$850.00} -Date Opened XX/XX/XXXX XXXX # XXXX -Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX # XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXXXXXX # XXXX -Balance {$2000.00} -Date Opened XX/XX/XXXX XXXX # XXXX -Balance {$2000.00} -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-19 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: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
negative accounts and private information exposed due to breaches by credit bureaus. They dont fully investigate disputes.

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 2025-09-19 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:
I am filing this dispute because my credit report contains inaccurate and unauthorized accounts. I never opened or authorized these accounts, nor was I notified when they were added. On top of that, the information reported across the three credit bureaus is inconsistent, which directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring agencies to ensure maximum possible accuracy.

This issue also violates 15 U.S.C. 1681i, which mandates that disputed information be investigated and corrected or deleted within 30 days, as well as 15 U.S.C. 1681g, which guarantees consumers the right to accurate and complete disclosure of their credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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 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. 

I am submitting this formal complaint against TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing TransUnion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX, which XXXX XXXX confirmed would be removed but remains on my report ; its is an identity theft-related and should have been blocked under 1681c-2 of the FCRA. TransUnions refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
bank of America froze both my business and personal account pending " XXXX hour security review '' over a wire transfer I already cleared up ( this was to my business account, my personal had nothing to do with it ) but still locked up both accounts. 

Both me and the sender are willing to provide whatever is needed, I was told by XXXX person the senders bank just needs to verify that the wire was authorized they've done this and still no answer and wire is on hold/accounts in limbo and I've done nothing wrong

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 monetary relief