vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: TN

Complaint narrative:
I recentlyn wrote in to Equifax, Transunion and Exoperian regarding incorrect information that is listed on my credit report. There is conflcting and inaccurate information listed on the following accounts. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested documentation to confirm said debts as of XX/XX/year> none has been provided. I would like to create a formal complaint against the companies and request that this inaccurate information is removed as soon as possible.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened 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 2025-07-22 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: VA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
Subject : Dispute of Repossession Due to Identity Theft Request for Immediate Deletion Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the following account appearing on my credit report, which I believe is a result of identity theft and contains inaccurate and misleading information : Creditor Account Number : XXXX Account Type : Joint Auto Lease ( Installment ) Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Account Status : Closed Charge-Off Balance Owed : {$0.00} Payment Status : Current Term Length : 48 Months Remarks : Involuntary Repossession / Obligation Satisfied Account Rating : Repossession Redeemed Verified On : XX/XX/XXXX This account reflects contradictory and inaccurate data, including : {$0.00} balance with a Charge-Off remark, Current payment status with no delinquency history, and Repossession and obligation satisfied reported at the same time.

These inconsistencies are not only confusing but misleading, and violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires all consumer credit information to be complete, accurate, and not misleading in any manner.

Furthermore, I am asserting that I did not authorize or open this account, and it may have been established or manipulated as part of an identity theft event. Under 15 U.S. Code 1681c-2 ( Block of information resulting from identity theft ), I formally request the following : 1. Immediate investigation and removal of this account from my credit report.

2. Permanent deletion of any reference to a repossession or charge-off, since it can not be verified as accurate, authorized, or legally reportable.

3. A written notice confirming the outcome of your reinvestigation.

This item is damaging to my credit profile and was not opened or consented to by me.

Failure to respond within the required timeframe of 30 days will result in formal complaints being submitted to the Consumer Financial Protection Bureau ( CFPB ) and State Attorney Generals office, and may result in legal action.

Thank you for your immediate attention to this urgent and unlawful reporting matter. I expect a prompt and thorough resolution.

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 2025-07-22 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: NJ

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover Credit Card company has repeatedly reported and Identity theft account to the 3 major. Credit bureau in the amount of {$6600.00} I disputed this accounts 5 times and they removed it XX/XX/year> when I told them I am going to seek legal.counsel then reinstated it XX/XX/year> stating it was validated but never sent any proof of validation.This has hinder my credibility tremendously!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Reporting ads Charge Off not accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was a wells Fargo customer up to XXXX  they overflow charged me with fees and other costs and will not send me the information to see if k was robbed

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
this happened like a year or two years ago three years ago something like that all I know is my account has been flagged for fraudulent activity on it. I didnt do anything wrong. I already taken the cash off there like you guys have told me to do now Im trying to take off the bitcoin that I have in there and I cant do that because it doesnt recognize my email. If you could help me I would appreciate that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting that Equifax immediately conduct a full reinvestigation of the late payments reported on the following accounts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX FCU Account Number ending in XXXX XXXX FCU Account Number ending in XXXX The creditor failed to provide advance notice of the payment due date or of any missed payment, which denied me a fair opportunity to correct or avoid the delinquency. This failure to notify violates the Fair Credit Reporting Act ( FCRA ) under Sections 1681e ( b ), 1681s-2 ( a ), and 1681i. 

I am requesting the following resolution : That Equifax XXXX XXXX FCU to verify whether proper notice or billing statements were issued prior to reporting the late payment ( XXXX ). 

If the creditor can not provide documented proof that notification was provided, including payment reminders or default warnings, I am requesting that the late marks be permanently deleted from my credit file. 

That I receive written confirmation of the results of this investigation within XXXX days, as required under FCRA 1681i. 

My goal is to ensure that only accurate and legally compliant information remains on my report, and I request that these late payments be removed if they can not be verified according to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
per fcra 15 usc 1681c2 i am a victim of identity theft i am requesting that all fraudulent information from identity theft be blocked from my credit report the credit bureau is required by law to remove this information once proper notice and documentation are provided These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-22 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 need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

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 2025-07-22 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute the reappearance of the XXXX account ( Account Number : [ last four digits of account ], previously XXXX XXXX ) on my credit report. This account was previously removed from my credit report, and I was under the impression that it was resolved and no longer appearing. However, I have recently noticed that this account has been re-reported by Equifax on my credit file as of [ date of reappearance ]. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violation of FCRA and FDCPA Under Section 609 of the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. Furthermore, under Section 611 of the FCRA, if an item is disputed, the credit reporting agency is required to conduct a thorough investigation and either verify or delete the information in a timely manner. In this case, Equifax has failed to verify the accuracy of this account and has wrongly allowed this account to reappear on my report without proper verification, despite the fact that it was previously removed. 

Additionally, under the FDCPA, creditors and credit reporting agencies are prohibited from reporting inaccurate information that is not verified. Equifaxs failure to adhere to these legal standards is damaging to my financial well-being and has caused severe harm. The presence of this inaccurate account has the potential to negatively affect my credit score, limit my ability to obtain new credit, and increase my financial costsdamaging my financial stability. 
Impact on Financial Well-being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX : XX/XX/XXXX Date : [ XX/XX/XXXXXXXX  ] To : Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Entry Due to Identity Theft Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute an inaccurate and fraudulent entry on my Equifax credit report. The entry in question is associated with XXXX XXXX XXXX, which is reporting a debt that is not mine and is the result of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be investigated and permanently removed from my credit report. This debt is fraudulent, and I have no contractual or financial relationship with XXXX XXXX XXXX. I was never notified of this alleged debt, and I did not authorize any such account. 

In accordance with FCRA Section 605B, I am exercising my right to dispute this information and request its removal on the grounds of identity theft. I am also asserting that this entry violates the FCRA as it was reported and verified without proper validation or my consent. 

Please find enclosed : A copy of my government-issued ID A copy of a recent utility bill showing my current address A copy of my FTC Identity Theft Report ( if applicable ) or police report A copy of my credit report highlighting the disputed entry Please conduct a prompt and thorough investigation of this matter and provide me with written confirmation that this fraudulent account has been removed. If you find that XXXX XXXX XXXX can not provide verifiable evidence that I authorized this debt, the account must be deleted immediately in compliance with federal law. 

I expect a response within the 30-day time frame mandated by the FCRA. Please confirm receipt of this dispute and keep me informed of any updates. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
Collection agency name : AMSHER COLLECTION SERVICES Address : XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Account number : Unknown Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX GA, XXXX Dear AMSHER COLLECTION SERVICES, I recently reviewed my credit reports, and noticed your company on my reports. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. My wet signature of a contract with you company.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
inaccurate & inconsistent reporting for the last 6 years. 
Reporting a charge off as late then taking over 30 days to right their 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 explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I submitted a written debt validation request to Midland Credit Management on XX/XX/year>. In that letter, I requested full validation of the alleged debt ( XXXX $ ), including a breakdown of charges, original creditor info, proof of assignment, and confirmation that the debt is within the statute of limitations in Maryland. 

It has been over 50 days, and Midland has not provided any documentation. I contacted a live agent, who confirmed the account is marked as Cease and Desist in their system, meaning they acknowledged they should not continue communication or collection without proper validation.

Despite this, they are still reporting the account to the credit bureaus. I requested removal of the tradeline due to their failure to validate the debt, and they refused to act unless I lifted the cease and desist which violates the FDCPA and FCRA.

This is an unvalidated debt being reported, damaging my credit, and I am requesting that the CFPB require them to remove the account from all credit bureaus immediately.

Company response to consumer: Closed with non-monetary relief