vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removeddisputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-03 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:
I submitted a full identity theft dispute to Equifax on XX/XX/year>, including an FTC Identity Theft Report ( # XXXX ) and a sworn affidavit regarding a fraudulent account allegedly opened by XXXX XXXX ( last XXXX digits : XXXX ). 

Despite compliance with all FCRA requirements, Equifax failed to remove this fraudulent account. I never authorized the use, sharing, or reporting of this account, and Equifax never had my informed consent. 

This is a violation of multiple FCRA provisions : 15 U.S.C. 1681b ( 2 ) : No valid permissible purpose existed for reporting this account 15 U.S.C. 1681a ( 4 ) : Equifax failed to ensure fairness, confidentiality, and lawful handling of my personal data 15 U.S.C. 1681c-2 ( Section 605B ) : Equifax did not block and remove the fraudulent item within four business days of receipt of identity theft evidence This negligence has caused substantial credit harm and emotional distress. 

I was denied pre-approval for a mortgage loan due to this unresolved fraudulent account. I lost a housing opportunity and faced further financial exclusion as a result of Equifaxs non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TN

Complaint narrative:
I am writing to formally dispute a late payment reported on my credit file foXXXX XXXX XXXX  - XXXX, which is inaccurate due to unauthorized access and tampering involving my account. 
During the time leading up to this late payment, I was in a relationship with an individual who had access to my personal laptop and account logins. After the relationship ended, I discovered that this person had deliberately tampered with my account disabling autopay, removing saved payment methods, and altering my email and notification settings without my knowledge or consent. 
This individual later admitted to me directly over the phone that they accessed my account maliciously and interfered with my financial information. These actions were taken without my authorization and directly caused the missed payment on an account that had otherwise maintained a positive payment history. 
Since uncovering this, I have : Secured all of my financial accounts, including this one. 
Implemented stronger security measures to prevent future incidents. 
Under federal law, these facts constitute unauthorized use of my personal information and account takeover, qualifying as identity theft under the XXXX XXXX XXXX definition of account takeover fraud. Accordingly, I have the right to file an Identity Theft Report with the Federal Trade Commission and XXXX enforcement. 
In exercising my rights under the Fair Credit Reporting Act and related statutes, I am demanding the immediate removal of this late payment from my credit report : 15 U.S. Code 1681s2 : Requires furnishers to report only accurate, verifiable information and correct inaccuracies upon notice.

15 U.S. Code 1681i : Requires consumer reporting agencies to investigate disputes and delete unverifiable or inaccurate information within 30 days.

15 U.S. Code 1681c-2 : Provides for blocking information resulting from identity theft or fraudulent use of personal identifying information.

15 U.S. Code 45 ( FTC Act ) : Prohibits unfair or deceptive acts or practices, which includes the reporting of inaccurate consumer data.

E-SIGN Act ( 15 U.S. Code Chapter 96 ) : Requires proper consent and authentication for any electronic authorizations or changes to account settings.

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 2025-08-03 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 am writing to formally dispute a late payment reported on my credit file foXXXX XXXX XXXX  - XXXX, which is inaccurate due to unauthorized access and tampering involving my account. 
During the time leading up to this late payment, I was in a relationship with an individual who had access to my personal laptop and account logins. After the relationship ended, I discovered that this person had deliberately tampered with my account disabling autopay, removing saved payment methods, and altering my email and notification settings without my knowledge or consent. 
This individual later admitted to me directly over the phone that they accessed my account maliciously and interfered with my financial information. These actions were taken without my authorization and directly caused the missed payment on an account that had otherwise maintained a positive payment history. 
Since uncovering this, I have : Secured all of my financial accounts, including this one. 
Implemented stronger security measures to prevent future incidents. 
Under federal law, these facts constitute unauthorized use of my personal information and account takeover, qualifying as identity theft under the XXXX XXXX XXXX definition of account takeover fraud. Accordingly, I have the right to file an Identity Theft Report with the Federal Trade Commission and XXXX enforcement. 
In exercising my rights under the Fair Credit Reporting Act and related statutes, I am demanding the immediate removal of this late payment from my credit report : 15 U.S. Code 1681s2 : Requires furnishers to report only accurate, verifiable information and correct inaccuracies upon notice.

15 U.S. Code 1681i : Requires consumer reporting agencies to investigate disputes and delete unverifiable or inaccurate information within 30 days.

15 U.S. Code 1681c-2 : Provides for blocking information resulting from identity theft or fraudulent use of personal identifying information.

15 U.S. Code 45 ( FTC Act ) : Prohibits unfair or deceptive acts or practices, which includes the reporting of inaccurate consumer data.

E-SIGN Act ( 15 U.S. Code Chapter 96 ) : Requires proper consent and authentication for any electronic authorizations or changes to account settings.

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 2025-08-03 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
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  You said : Cease and deceased letter for credit report XXXX said : It sounds like you're looking for a " cease and desist '' letter to stop a company from contacting you about a debt, especially if it's appearing on your credit report. Below is a sample Cease and Desist Letter tailored for that purpose : [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] [ Debt Collector or Creditor Name ] [ Company Address ] [ City, State, ZIP Code ] Re : Cease and Desist Account # [ Your Account Number ] To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me immediately regarding the alleged debt associated with the above-referenced account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that you stop contacting me. This letter serves as written notice that I am exercising that right. 

Additionally, I request that you refrain from reporting any inaccurate, unverified, or outdated information to the credit reporting agencies. If you have already done so, I demand that you immediately remove any such information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt you claim I owe. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This is a formal request that the debt be validated. Please provide me with the following information : 1.The amount of the debt ; 2.The name of the original creditor ; 3.A copy of the original contract or agreement bearing my signature ; 4.A complete payment history, starting with the original creditor ; 5. Proof that you are licensed to collect debts in my state ( Florida ), and the license number. 

Please be advised that I am requesting this information so I can make an informed decision about this matter. Until you provide proper validation, you must cease collection efforts, as required by the FDCPA. 

Also, be advised that I am keeping record of all correspondence, including this letter sent via Certified Mail with Return Receipt Requested.

Thank you for your cooperation. I expect a response within 30 days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: World Acceptance Corporation
State: IL

Complaint narrative:
b'World finance I paid my loan back but Im still getting mailed saying I owe'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
I received a notice on XX/XX/XXXX saying I owe XXXX {$390.00} but they banned me XXXX XXXX from using their services in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
XX/XX/XXXX I vacated a property managed by XXXX management under distress and requested a reasonable accommodation to do so. XXXX did not respond to this request and instead sent my account to collections with IQ DATA INTERNATIONAL. On XX/XX/XXXX I called IQ Data International, I was told by the representative that I earned XXXX per month and worked for MAXIM. I call IQ DATA International back and asked how they knew my salary information, the IQ DATA representative on a recorded line stated " don't worry about it just pay your bill '' his tone was intimidating and abusive. XXXX XXXX shared my private salary information with this third party debt collector without my knowldege or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I asked the company to provide me with 1099 form within 15 days or remove collection from my credit report. This was not done and I have reported many times

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 2025-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal ( blocking ) of certain information from my credit file in accordance with 15 U.S.C. 1681c-2, which states that a consumer reporting agency must block the reporting of any information that can not be verified after a consumer notifies the agency. 

The following items on my credit report are being disputed and must be blocked unless verified with proper documentation : XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX  Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Credit Unions and Finance Companies Other Than Personal Finance Companies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX  XXXX XXXX XXXX : XXXX. XXXX, XXXX + Banks XXXX XXXX XXXX XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX and Finance Companies Other Than Personal Finance Companies XXXX XXXX : XX/XX/XXXX + Finance/Personal XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX  XXXX Inquiry : XX/XX/XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Credit Unions and Finance XXXX XXXX Than Personal Finance Companies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous XXXX  Inquiry : XX/XX/XXXX + Banks XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal TXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Banks XXXX/XXXX  Inquiry : XXXX XXXX, XXXX + Banks XXXX XXXX XXXX XXXXnquiry : 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  I have previously disputed this information, and no verification has been provided within the timeframe required by the Fair Credit Reporting Act. Since the information remains unverified, it must be removed from my credit 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 2025-08-03 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: IL

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am formally disputing several unauthorized accounts and inquiries currently listed on my credit report. I am requesting the immediate blocking and removal of these items in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), as they are the result of identity theft.

Unfortunately, I have become a victim of identity theft. I did not open or authorize the following accounts or inquiries, nor did I approve any transactions associated with them. These fraudulent entries are negatively impacting my credit profile and financial integrity. 


Fraudulent Accounts to Be Blocked Creditor Name Account Number Date Opened Amount Owed Status 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 XXXXXXXX XXXX XXXX XX/XX/XXXX. Current Unauthorized Inquiries to Be Removed Creditor Name Type of Business Date of Inquiry Credit Bureau XXXX XXXX Credit Card. XX/XX/XXXX Experian Supporting Documentation Included : 1. A copy of my government-issued ID ( drivers license ).

2. A signed copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ).

3. A copy of the police report documenting the identity theft incident.

Relevant Background on Data Breaches My personally identifiable information ( PII ) may have been compromised during one or more of the following data breaches, which have affected millions of consumers : XXXX XXXX  XXXX ) : Exposed SSNs, birthdates, and credit information of XXXX XXXX individuals. 
XXXX / Experian ( XXXX ) : Compromised drivers license and SSNs of over XXXX XXXX applicants. 
XXXX XXXXXXXX ( XXXX ) : Included personal and financial data of XXXX XXXX individuals. 

These breaches likely contributed to the unauthorized use of my identity and the fraudulent activity on my credit file. 


Request for Immediate Action Under FCRA Section 605B, you are required to block these fraudulent accounts and inquiries from my credit report within four ( 4 ) business days of receiving this request and the supporting documentation. Additionally, please notify the creditors listed above that the disputed items were the result of identity theft and should no longer be pursued or reported.

Please send written confirmation once the removal and blocking have been completed. If you need additional information, I am reachable at the contact information provided above. 

Thank you for your time and immediate attention to this matter. 

Sincerely, 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 2025-08-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I have been contacted by someone claiming to be from XXXX XXXX XXXXXXXX XXXX XXXX XXXX. They are claiming that I owed money on my old gym membership account and are trying to collect the debt. I do not owe any money to this gym, when I closed the account I paid my balance off in full. These people have both called me and sent me a letter to my home claiming that I owe {$270.00} and that is false. They have threatened to report this debt to the credit bureaus if I do not pay. They use a XXXX  XXXX instead of even having an actual location! Its a total scam! 

The companys info is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On my credit report are two incorrect phone numbers. These phone numbers are XXXX and XXXX. Kindly delete these phone numbers from my account as they don't belong to 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 non-monetary relief