vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: GA

Complaint narrative:
I am submitting this complaint regarding multiple accounts that are being reported inaccurately on my credit report. These accounts are causing significant harm to my credit profile, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Below are the accounts in question : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collection My concerns are as follows : Several of these accounts are being inaccurately reported.

Some accounts reflect inconsistent dates, balances, or statuses that do not align with my records. 

Certain accounts appear to be reported as charge offs or collections without proper validation or notification. 

The account from XXXX XXXX XXXX shows a future date ( XX/XX/XXXX ), which is factually impossible and demonstrates erroneous reporting. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit reporting agencies are required to ensure maximum possible accuracy of consumer credit information. The inaccuracies listed above are damaging my creditworthiness and preventing me from accessing fair credit opportunities. 

I am requesting the following actions : A full investigation into each of the above accounts. 

Removal or correction of any inaccurate, unverifiable, or outdated information. 

Written confirmation of the actions taken and an updated copy of 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 explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: MI

Complaint narrative:
CENTRALPORTF is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTF is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AL

Complaint narrative:
I am contacting you regarding an unauthorized account listed on my credit report. I did not open or acknowledge this account. Attached are documents substantiating my position. Kindly review and delete this erroneous entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am submitting this follow-up dispute regarding Midland Credit Managements ( MCM ) response dated XX/XX/XXXX, which fails to establish lawful ownership of, or accurate reporting on, the above-referenced account. I respectfully request that this tradeline be permanently deleted from all of my consumer credit reports pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Grounds for Deletion 1. Insufficient Validation ( FDCPA 809 ( b ) ) MCM provided only two billing statements. They failed to produce : The original signed credit agreement ; A complete payment history ; A bill of sale or assignment proving legal transfer of the account from Synchrony to MCM. Without these, MCM has not met the statutory burden of providing adequate validation. 2. Inaccurate & Incomplete Reporting ( FCRA 1681i, 1681s-2 ( b ) ) XXXX XXXX  XX/XX/XXXX billing statement clearly reflects the account as charged off and closed, with the balance written off. Despite this, MCM continues to report the balance as currently due and owing, which is materially false and misleading. Credit reporting must be accurate, complete, and verifiable. MCMs submission demonstrates otherwise. 3. Risk of Duplicate/Double Reporting Synchrony Bank charged off and closed the account. Any parallel reporting by MCM of a balance still due constitutes unlawful duplicate reporting, artificially harming my credit standing. Requested Remedy Because Midland Credit has failed to provide full validation and is reporting inaccurate, incomplete, and misleading information, I request the CFPB enforce the following : Immediate and permanent deletion of this Midland Credit Management tradeline from all consumer credit reports ( Equifax, Experian, TransUnion ). Written confirmation that the account has been removed and will not reappear. Conclusion MCM has not substantiated its claim or met its statutory obligations under the FDCPA and FCRA. Continued reporting of this account constitutes an unfair and unlawful practice. I respectfully request that the CFPB intervene to ensure this account is permanently deleted. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> Caine & Weiner Debt Collectors XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Request for Debt Validation Alleged Debt of {$330.00} To Whom It May Concern, I am contacting you regarding your claim that I owe a debt of {$330.00}. I dispute this debt and request full validation as provided under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Please provide the following : 1. Documentation showing that I am legally obligated to pay this debt, including a copy of any signed agreement.

2. The name, address, and account number of the original creditor.

3. A detailed accounting of how the amount of {$330.00} was calculated.

4. A copy of any judgment ( if applicable ).

5. Proof that your company is licensed/authorized to collect debts in my state. 

Until you provide the requested documentation, you must cease all collection activities and stop reporting this account to any credit bureau. 

Please communicate with me only in writing at the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On Wednesday, XX/XX/XXXX at approximately XXXX I tried to access the website for Comenity Bank, the holder of the credit cards from the XXXX XXXX store. When I went to the website, I had to make a username and a password I had a username. They said it was invalid as I could not use my email. I changed the username and password. They said it was accepted when I tried to get into the website, they kept refusing my username that happened four times. The fifth time after requesting my username, I copied and pasted it into the portal three times they said it was invalid. I tried to make a payment on their website. They would not let me. I then call the number on the bill and they told me to go through the prompts of artificial intelligence, which I did. I had difficulties making a payment. They told me if I wished to speak to a customer service representative I would be charged {$9.00}. The last payment I made was XX/XX/XXXX, XXXX {$100.00}. I received a text message for XXXX XXXX on XX/XX/year> saying I had a payment due. I did not receive the statement until today which is Wednesday, XX/XX/XXXX the statement said I owed them $ XXXX {$3.00} for interest. My account was due and up-to-date. It said payments must be received by XXXX XXXX XXXX. I also received a fee for XXXX for a paper statement when I asked to speak to a customer service representative they told me that would be {$9.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Collection Bureau of Fort Walton Beach, Inc
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX. I was a tennant of XXXX XXXX XXXX  from XXXX of XXXX until XXXX of XXXX. At that time, I was XXXX  in XXXX XXXX XXXX. I was a tenant of the apartment complex with my former fiance XXXX XXXX XXXX. When I was arrested in XXXX of XXXX, I was XXXX  for XXXX  months. During that time, there was a no contact order placed between XXXX and I by the XXXX, AL XXXX judge. My lease expired while I was in XXXX. I personally paid all monthly rental payments. 

In XXXX of XXXX, apparently a new rental lease was signed by XXXX XXXX. She forged my name. This is a case of fraud. I was in XXXX  at that time. I have all of the proof necessary to show the apartment complex and debt collection agency this. I never signed a lease extension. And she has admitted to forging my name on the new, second lease. Now this debt is on my credit report. I am going to file a report with the police department as well as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 {$63.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-10 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: GA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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  : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-10 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-10 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-10 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I have ask Experian several times to update my credit report and they refuse, amount that have been deleted or 7 years or more old still showing up on my credit report. 
Experian is reporting to company that my score is XXXX, XXXX, XXXX below because they have not updated my account since XXXX of year XXXX. I will not ask anymore after this time. I will sued them because this neglect of me and my credit report. They don't care at all. This is a professional company not doing what is ask of the customers and their credit. Everything on my credit report with Experian is incorrect.... Debt is wrong needs to be removed, amounts are wrong, everything is wrong but they are blaming this problem with their website on XXXX  and XXXX  but everything with XXXX  and XXXX  is correct on their website.... Experian is incorrect 100 % XXXX needs to be updated and remove all debt that was removed a year ago from the other credit bureaus. My score is above XXXX not below

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 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I reached out to this company, CREDENCE RESOURCE MANAGEMENT, to let them know that I was a victim of identity theft.I sent them a certified letter in the mail with a statement, copy of the police report, copy of the FTC report, identification documents and address verification ( bank statements redacted ) letting them know I was a victim of identity theft. They have falsely gained this account and have purchased the debt from another company .They have reported this information to multiple credit bureaus even after I provided them this information and need them to remove this information as soon as possible as it has been deemed fraudulent as a result of identity theft. I have sent them certified mail that was received XX/XX/25. They have 4 business days to block this information from all credit agencies that they are currently reporting to. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief