vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: CL Holdings LLC
State: VA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX Date : XX/XX/year> To : [ Subject : Formal Dispute and Request for Removal of Fraudulent Accounts and Inaccurate information Dear [ Credit Bureau ], cfpb XXXX, XXXX, XXXX  I am writing to formally dispute and demand immediate removal of inaccurate and fraudulent information that has been reported on my credit file.I, XXXX XXXX, am a victim of identity theft stemming from the XXXX  data breach. As a result, certain accounts, charges, and even addresses appearing on my credit report do not belong to me and are the product of fraudulent activity. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related consumer protection laws, I request the following : 1. Immediate removal of all fraudulent accounts, inquiries, and addresses that do not belong to me. These items are inaccurate, unverifiable, and are the direct result of identity theft. 
2. A full reinvestigation and deletion of any information that can not be 100 % verified as accurate and truly belonging to me.

3. Assurance that once these fraudulent items are removed, they will not be reinserted into my credit file, in compliance with FCRA 611 ( a ) ( 5 ) ( B ).

4. Written confirmation that my credit file has been corrected and that the disputed items have been permanently deleted.

Under the FCRA, you are required to complete your reinvestigation within 30 days of receiving this dispute. If the disputed items can not be verified as accurate, they must be deleted immediately. Re-reporting these accounts without proper verification would constitute a violation of federal law. 

Enclosed are copies of documents supporting my identity and dispute : A copy of my drivers license or government-issued ID A recent utility bill or proof of residence and the names of the collections The documents that was submitted in their entirety is only to be used as verification to the account that need to be removed only This letter serves as a formal legal notice. Failure to comply with your obligations under the FCRA and related statutes will leave me no choice but to pursue further remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

I expect your prompt attention to this matter and a full written response within the timeframe required by law Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: QUALITY ACCEPTANCE LLC
State: NV

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of an account on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ). 

The same account ( Account # XXXX ) is being reported differently across the credit bureaus : On XXXX, it is reported as Quality Acceptance LLC. 

On XXXX, it is reported as Quality Financial. 

This is clearly the same account ( identical balance, open date, payment history, and charge-off status ), but it is being reported under two different creditor names. This is inaccurate, misleading, and violates the FCRA requirements that consumer reporting agencies must report information that is accurate, consistent, and not misleading ( 15 USC 1681i and 1681s-2 ).

I have already disputed this directly with the credit bureaus and with the furnisher. Despite this, the inaccurate reporting remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 non-monetary relief
Consumer complaint received 2025-08-21 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: OH

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$670.00} - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX- $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX- $ XXXXXXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NH

Complaint narrative:
Hello, I am writing again to inform you that IQ Data International did not comply with my original complaint submitted back in XXXX. They went back on their word and reported the collection as derogatory and added XXXX dings on my credit. First of all, I have been trying to resolve this debt associated with XXXX XXXX XXXX  and I am ready to take legal action because they are THE ABSOLUTE WORST property management company to deal with. I'm not sure how and why they are still in business with the complaints against them. 

After contacting multiple agencies to resolve this situation with XXXX XXXX, I decided to contact IQ Data International to see if there was some communication on their end. Long story short, they never hanged, not only did they try and charge interest on the original debt ( which was not on the original agreement ) but the representative was rude and hung up on me when I said I didn't have the lump sump to pay. I only contacted them because I hadn't heard from them or XXXX XXXX XXXX on how to mediate the issue. XXXX XXXX wrongfully submitted my account to their collections indicating that I had defaulted on my payment when I did not. 
When I originally filed my complaint, IQ Data International was to remove this from my credit report because I had not defaulted on payment and I was suppose to be on a payment plan. This company after months of no communication and indicating on their original report that the account was closed on their end, they reported my account as late and then added another ding on my credit report a few days ago as a ding. I AM FED UP WITH THIS COMPANY!!!! They lied when I called and confronted them about the issue. The representative told me that they did in fact comply. They complied in order to submit a fluffy response, but then went behind my back with no communication and added XXXX dings on my report. Why is this company still in business? I have not read a positive review on them about their debt practices. 
They are abusing their rights and are going after those that can not represent themselves well. Their unprofessionalism has caused me to lose job offers and have created a great roadblock for me to rent again. They are deceptive, they lie and do not keep their word. I've attached their original response from the original complaint. You can see that this company are liars and should no longer be in business with their deceptive and predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I sent Midland a certified dispute letter requesting validation of this {$1100.00} account, including original creditor contract and account history. Midland has not validated the debt yet continues to report it.

This violates FDCPA 809 ( b ) ( failure to cease collection without validation ) and FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ). Their continued reporting of an unverifiable account is unlawful and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

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 2025-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: BQ & Associates, P.C., L.L.O.
State: IA

Complaint narrative:
I believe that they are trying to collect on a loan that should not be being collected on It is a loan with national colligate student loan I'm not able to contact the company who owned the debt and I can't even remember the school where I took the loan out. I did file bankruptcy but it was not XXXX since it was a student loan. BQ and associates is trying to collect they said the loan was charged off in 2011 but I asked where the loan was taken they just say national collegiate student loan. see on you page that all debts on this lender should not be collected is that true for this loan Even m cos signer was dead and when I remember trying to get help with this lender they sad no and just charged it off what should I do? BQ and associates are terrible to deal with and they are in my bank account and garnished a XXXX dollars what can I do. Where should I start.

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 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Harley Davidson Financial Services Inc
State: AL

Complaint narrative:
I bought a motorcycle from Harley-Davidson in XXXX. The experience with the dealership wasn't bad by any means. In XXXX I fell behind on payments due to losing my job at the time, but was still making payments as best I could. This is when I was first contacted first by Harley Davidson Financial services. They are a nightmare to deal with. They relentlessly call 4 to 6 times daily until you pay your bill, and if you dont answer They send someone to your house to hand deliver you a letter to call them. Today XX/XX/XXXX after several months of not hearing from them, I noticed a man walking around on my property taking pictures of my vehicles, home, and garage. When confronted as to who he was and what he was doing he simply stated he had a letter for me then took more pictures, got in his black Ford truck and left. Never identified himself or who he works for. Upon opening the letter I found it to be from Harley Davidson Financial services. So not only did this man trepass but he also took pictures of everything I own. So I dont know what kind of harassment tatic they are trying to use, but what right does the employee of a motorcycle sales company have to tresspass and photograph my home, cars, and trucks?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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 : XXXXXXXX XXXX XXXX  Date : XX/XX/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 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, XXXX as proof from the XXXX 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 non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Nelnet has reported delinquent payments to my credit report. They did not communicate with me in any way except electronic. I asked them why they didn't communicate via mail or any other form. They said I opted for paper billing. I did not opt for my credit to be trashed over a small payment, that a single letter would have resolved. As soon as I stumbled upon it on my credit report, I paid the balance. I could have paid it from the beginning, had Nelnet chosen to communicate like a bank instead of whatever they are doing now.

I now have several months of over 120 day reports on my account. I am a Veteran, I haven't used loans exclusively for some time because I was using my benefits. I have been a student off and on for several years. I didn't realize they had come due.

It's unfortunate that laws, company policies, and our national demeanor allows companies to operate like this. How is a company that is guaranteed profit from Congress able to be predatory to its customers?

Why can that loan that is treated as a single installment give me nine late fees because I accessed them " different years? '' Absolutely asinine and absolutely an attack on the working class trying to gain an education.

I made my account right. Now I want the disproportionate damage removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} 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, 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 2025-08-21 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Collector : Midland Credit Management , Inc .

Amount : {$660.00} On [ date ], I disputed this account by certified mail. I requested validation including contract, itemization, and proof Midland has legal standing to collect. Midland has not provided validation yet continues to report this account.

This constitutes a violation of FDCPA 807 ( false/misleading representation ) and FCRA 623 ( reporting inaccurate or unverifiable information ). They are knowingly updating a disputed account without proof, which is unlawful.

Company response to consumer: Closed with explanation