vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: IL

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am requesting that account be removed as a result of identity theft. This account is inaccurate and I am unaware of this account. 

Creditor : Caine & Weiner Account Number : XXXX Reported Balance : {$590.00} Date Opened : XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C SYSTEMS ALLEGE I OWE THEM FOR XXXXXXXX XXXX XXXX  ACCOUNT BUT I NEVER DID BUSINESS WITH XXXX XXXX XXXX, IVE DISPUTED THIS ACCOUNT XXXX, MY NEXT STEP IS TO SUE!!!!!! 

I OWE NO DEBIT TO I.C SYSTEMS OR XXXX XXXX XXXX NOR DO I WISH TO CONTRACT WITH THEM, I WILL NOT PAY A DEBT I DONT OWE,

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 2025-06-07 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: GA

Complaint narrative:
What happened? ( Complaint narrative ) : I am a victim of identity theft and have submitted disputes and identity theft reports multiple times to Experian, Equifax, and TransUnion under FCRA 605B. I also submitted an FTC Identity Theft Report and a police report, requesting an immediate block and removal of fraudulent accounts as required by law. 
Despite this, the credit bureaus have continued reporting these unauthorized accounts and failed to block the disputed information. Additionally, they failed to update my personal identifying information, such as removing incorrect names, addresses, and employment entries, even after multiple requests. 
I also requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), but I have not received any documentation or response. The reinvestigation processes were clearly automated ( via e-OSCAR ), not manual, and relied on frozen XXXX files, which makes the verification invalid. 
This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 605B, 611, 607, 616, and 617. These errors have caused damage to my credit, stress, and hardship. I am seeking an immediate block of the fraudulent data, correction of my personal file, and confirmation in writing of the actions taken. 
________________________________________

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 2025-06-07 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:
What happened? ( Complaint narrative ) : I am a victim of identity theft and have submitted disputes and identity theft reports multiple times to Experian, Equifax, and TransUnion under FCRA 605B. I also submitted an FTC Identity Theft Report and a police report, requesting an immediate block and removal of fraudulent accounts as required by law. 
Despite this, the credit bureaus have continued reporting these unauthorized accounts and failed to block the disputed information. Additionally, they failed to update my personal identifying information, such as removing incorrect names, addresses, and employment entries, even after multiple requests. 
I also requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), but I have not received any documentation or response. The reinvestigation processes were clearly automated ( via e-OSCAR ), not manual, and relied on frozen XXXX files, which makes the verification invalid. 
This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 605B, 611, 607, 616, and 617. These errors have caused damage to my credit, stress, and hardship. I am seeking an immediate block of the fraudulent data, correction of my personal file, and confirmation in writing of the actions taken. 
________________________________________

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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-06-07 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-07 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/year>, I submitted a formal direct dispute and verification demand to JPMorgan Chase Bank ( JPMCB ) regarding a JPMCB CARD account that is being reported on my Equifax credit report. My letter clearly identified the disputed account and requested verification of the debt, including a signed agreement, billing statements, and proof of identity verification, as required under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( b ).

Prior to sending my direct dispute, I also submitted disputes regarding this account through multiple credit bureaus. The bureaus responded stating that JPMCB had verified the account, but no supporting documentation was provided to me in any response. JPMCB did not produce a signed agreement, billing statements, or proof of identity verification during the credit bureau investigations. 
JPMCB subsequently responded to my direct dispute with a letter acknowledging the correct account ( referencing the last 4 digits ), but again failed to provide any of the requested verification or documentation. Instead, they sent a generic form letter requesting documents they already possess or can obtain from Equifax. I consider this a delaying tactic and not a valid response under the FCRA.

I have followed up in writing to JPMCB stating that my original 15-day response window remains active and that this matter is now being escalated through the CFPB. To date, JPMCB has failed to conduct a proper investigation or provide verification of the disputed account while continuing to report it to Equifax. This violates FCRA 1681s-2 ( b ), and the credit bureaus verification of the account without proper supporting documentation further violates FCRA 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: IN

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 non-monetary relief
Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-07 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: 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, CHALLENGEDORNOT.

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 2025-06-06 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute to Midland Funding regarding the collection account XXXX. To date, I have not received any response or validation of the alleged debt, despite the fact that this complaint remains open in the CFPB system. The cfpb complaint id for reference is XXXX. At the time of my initial dispute, Midland was reporting two different balances across the credit bureaus : XXXX : {$3900.00} XXXX XXXX XXXX XXXX {$3900.00} This balance discrepancy clearly violates 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to maintain the maximum possible accuracy of consumer data. Since then, Midland has unilaterally lowered the balance to {$890.00} across all three bureauswithout sending any supporting documentation or explanation to me, the consumer. This nearly {$3000.00} reduction raises serious questions about the original validity of the debt and whether the previously reported amount was inflated or erroneous. 

In my initial efforts, I also contacted the original creditor allegedly associated with this account, and they were unable to confirm either balance Midland has reported, further undermining the legitimacy of the debt. 

Midland Funding has a well-documented history of purchasing aged debts and pursuing collection actionsoften without adequate documentation, and in many cases, against the wrong individuals. Numerous cases have involved false affidavits, unverifiable data, and missing chain-of-title documentation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), once a consumer disputes a debt, the collector is required to cease collection activity until the debt is verified. This includes correcting or halting negative credit reporting and refraining from reselling or reassigning the debt. Midland has not provided any validation yet continues to report this account and has modified the balance without explanation, which implies no proper investigation has been conducted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> I used my PayPal Debit card to check in to a hotel. The card was to be used for incidentals only since I used points to pay for the stay. When I checked out the next day I had not purchased any incidentals and was told by the hotel manager that the hold was released and funds would be returned to my account with 3-5 business days. It is now 15 business days or 3 full weeks later and PayPal still has my funds held. When contacting support Im told that the inquiry has to be made to the entity that issued the card. Apparently that isnt PayPal but the banking partner XXXX XXXX. My debit card has PayPals name on it, I the consumer should. It have to go deal with the banking partner but first and foremost it shouldnt take 15+ days to release a hold for a one night hotel stay. This is absurd!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CarMax, Inc.
State: NC

Complaint narrative:
Around XX/XX/XXXXXXXX  a company called XXXX XXXX XXXXXXXX sent me a civil suit on behalf of Car Max for a vehicle I voluntarily surrendered around XX/XX/XXXX. I responded to them and later I spoke with a representative and was offered a settlement offer on XX/XX/XXXX and also made a payment. I was told that I would receive paperwork in mail. Unfortunately, I didnt receive that letter til XX/XX/XXXX with a threat of litigation because I didnt respond to the Motion of Summary Judgment that I never got. They didnt send it certified and I have voice recordings from the representative making the offer. The debt collector filed a lawsuit while taking payments/ Taking legal action while accepting payments under an agreed plan ( unfair or deceptive ). I held up my end of the verbal agreement. Its only fair that they honor theirs, especially since they accepted my money. 
I feel misled and harassed. Any assistance with this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: OK

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX BANK XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX & XXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} Inquiries XXXX XXXX Date : XXXXXX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: OK

Complaint narrative:
I have been the victim of a data breach resulting in fraudulent accounts on my credit report. In accordance with Section XXXX of the FCRA ( XXXX XXXX. XXXX ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX BANK XXXX Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX & XXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} Inquiries XXXX XXXX Date : XXXXXX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief