vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 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:
I am writing to formally dispute unauthorized and unverified hard inquiries that have appeared on my credit report without my knowledge or consent. These inquiries are negatively impacting my creditworthiness and were not initiated or approved by me. 

The following inquiries are in question and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), a hard inquiry can only be made with a permissible purpose and my explicit authorization. I am asserting that no such authorization was provided for the inquiries listed above. Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting an immediate investigation into these inquiries and demand that they be removed immediately. If the furnishers of the information can not verify my consent. If you can not provide documentation proving that I authorized these inquiries, they must be deleted immediately as required by law. I am also requesting the name and contact information of each entity that initiated the inquiry, along with proof of permissible purpose and authorization.

Failure to provide this information constitutes a violation of the FCRA and may result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general. Please consider this letter as a formal dispute. I request a response within the required 30-day period as mandated by federal 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 2025-10-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: AZ

Complaint narrative:
I am a victim of Identity theft and was affected by the Equifax data breach. My Equifax credit file contains fraudulent accounts and collection entries that I did not authorize or use. I submitted a written request to Equifax under 15 U.S.C. 1681C-2 ( A ) of the Fair Credit Reporting Act ( FCRA ), asking that the fraudulent accounts be blocked and deleted. Despite providing proof of identity and a sworn fraud affidavit, Equifax has not permanently blocked these items. The fraudulent accounts include : XXXX XXXX  ( XXXX ) ; XXXX XXXX  XXXX ( XXXX ) ; XXXX XXXX XXXX  XXXX XXXX ( XXXX ) ; XXXX XXXX  ( XXXX ) ; 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 2025-10-26 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I do not recognize several accounts and inquiries that Equifax is reporting. I requested that Equifax verify these items and provide the method of verification, including documentation or confirmation from the furnishers as required under 15 U.S.C. 1681i ( a ). Equifax did not provide the requested verification or proof validating the accuracy of the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I just saw that XXXX and XXXX claimed I owed them an amount that was wrongly charged by XXXX insurance and I already canceled my premium with them because of a claim on accident Loss account report which after a contest with them they deleted from the Loss account but decided to allow this company that I have no business with to put on my credit file negatively that I owed them and so I have filed a dispute with XXXX  with report number XXXX and XXXX  XXXX well. I dont owe this merchant any money at all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX ( VIN : XXXX ) through XXXX XXXX XXXX XXXX, later assigned to Ally Financial. I have discovered multiple defects in the loan and contract handling : XXXX. Altered Documents The version of the Retail Installment Sale Contract that Ally relies on contains different signatures and terms than the original signed copy in my possession. This raises serious questions of document tampering and fraud. 
XXXX. Payment Application Errors My down payment and other amounts have not been properly credited to the account. Statements do not reconcile with the signed Buyers Order and original disclosures. 
XXXX. XXXX XXXX Issues The XXXX was filed incorrectly and outside of my state of residence, leaving the ownership/title status in dispute. I have perfected my lien rights under the XXXX, but Ally and XXXX continue to ignore these filings. 
XXXX. Failure to Provide Information Despite repeated certified requests, Ally and XXXX have not provided a complete accounting or certified true copy of the original signed contract. Instead, I was sent altered copies that do not match.

Relief Requested : Zero out the account due to defective and altered contracts.

Correct all credit reporting to show the account as closed and paid in full. 
Release and transfer the vehicle title and XXXX into my name and my trust ( XXXX XXXX XXXX ). 
Any additional remedies deemed appropriate by CFPB to address contract fraud and improper handling of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Glasser and Glasser, PLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through its representation by the law firm Glasser and Glasser, P.L.C., filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The lawsuit relied on an affidavit from a XXXX XXXX employee and a summary of the alleged debt.\n\nThroughout the litigation, I formally requested that the bank provide validation of the debt, specifically the itemized account statements and the original credit agreement. XXXX XXXX failed to provide this fundamental documentation.\n\nJudgment and Key Evidence Discovered after Trial: Despite this lack of evidence, the court entered a judgment in the bank's favor. It was only after the trial that I obtained a statement from XXXX XXXX  dated XXXX XXXX XXXX that shows a zero balance on the account. This document directly contradicts the amount claimed in the lawsuit and confirms that the bank sued me for a debt it could not substantiate.\n\nPost-Judgment Validation Request: Following the judgment, I sent a formal demand for validation to XXXX XXXX Legal Department agent via XXXX Certified Mail on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The bank has ignored this request. XXXX XXXX actionssuing without verifiable proof, ignoring validation requests, and producing a document that contradicts its own claimsamount to a fraudulent and abusive use of the debt collection system."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Under 15 USC 1692XXXX. You violated my rights with an unlawful communication. Please remove this collection from my credit. Thank you.

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 2025-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
I obtained a XXXX loan ( alleged {$7200.00} ). The promissory note was unsigned, raising validity concerns. On XX/XX/XXXX, XXXX & XXXX XXXX began collection for Velocity Investments LLC. On XX/XX/XXXX ( certified mail, tracking : XXXX ), I sent a validation request ( Ref. No. XXXX ) per FDCPA 1692g. On XX/XX/XXXX, XXXX responded with an unsigned contract and partial payment history, failing to provide : proof of ownership ( bill of sale, schedule ), full XXXX accounting ( charge-off details from XX/XX/XXXX, {$5400.00} principal, {$1000.00} interest, {$740.00} fees ), or licensing proof. 

On XX/XX/XXXX ( certified mail, tracking : XXXX ), I sent a Notice of Incomplete Validation giving 10 days to cure. No adequate response. On XX/XX/XXXX ( certified mail, tracking : XXXX ), I sent a Final Cease and Desist ( Ref. No. XXXX ), citing FDCPA/TILA violations for non-validation. No response. On XX/XX/XXXX, attorney XXXX XXXX XXXX confirmed Velocitys lawsuit ( XXXX XXXX, XXXX ) without full validation ( letter attached ). This has caused stress, time loss, and potential credit harm. I request : ( 1 ) Complete validation of all demanded items ; ( 2 ) Lawsuit dismissal ; ( 3 ) Credit report correction ; ( 4 ) Cessation of all collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint to report multiple fraudulent accounts, addresses, and inquiries appearing on my consumer credit report that are the result of identity theft and inaccurate reporting. I previously submitted an FTC Identity Theft Affidavit to document this issue and will submit another report once the government shutdown ends and the FTC system becomes available again. In the meantime, I am requesting the CFPBs assistance in having these items removed from my credit report. The fraudulent accounts, addresses, and inquiries include the following : Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Accounts : XXXX XXXX ( # XXXX, # XXXX, # XXXX, # XXXX ) XXXX  ( # XXXX ) Fraudulent Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX In addition to the identitytheftrelated accounts and inquiries listed above, I am also disputing late payment reporting from XXXX XXXX XXXXXXXX. The account was not late, and I have already contacted XXXX  XXXX XXXX directly to request correction. However, the company advised me to contact the credit bureaus instead, while the credit bureaus directed me back to XXXX  XXXX XXXX. This has left me unable to resolve the issue despite multiple goodfaith attempts. I previously submitted an FTC Identity Theft Affidavit and intend to submit another as soon as the FTC system becomes available following the government shutdown. Despite multiple good-faith attempts to resolve the issue directly with XXXX XXXX XXXX and the credit reporting agencies, I have been referred in circles between them. The Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) provide consumers the right to dispute inaccurate and fraudulent information, and require both furnishers and credit reporting agencies to conduct a reasonable investigation and delete unverifiable or fraudulent data. However, despite these legal obligations, neither XXXX XXXX XXXX nor the credit bureaus have corrected the inaccurate late payment or removed the identity theft-related items. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint to report multiple fraudulent accounts, addresses, and inquiries appearing on my consumer credit report that are the result of identity theft and inaccurate reporting. I previously submitted an FTC Identity Theft Affidavit to document this issue and will submit another report once the government shutdown ends and the FTC system becomes available again. In the meantime, I am requesting the CFPBs assistance in having these items removed from my credit report. The fraudulent accounts, addresses, and inquiries include the following : Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Accounts : XXXX XXXX ( # XXXX, # XXXX, # XXXX, # XXXX ) XXXX  ( # XXXX ) Fraudulent Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX In addition to the identitytheftrelated accounts and inquiries listed above, I am also disputing late payment reporting from XXXX XXXX XXXXXXXX. The account was not late, and I have already contacted XXXX  XXXX XXXX directly to request correction. However, the company advised me to contact the credit bureaus instead, while the credit bureaus directed me back to XXXX  XXXX XXXX. This has left me unable to resolve the issue despite multiple goodfaith attempts. I previously submitted an FTC Identity Theft Affidavit and intend to submit another as soon as the FTC system becomes available following the government shutdown. Despite multiple good-faith attempts to resolve the issue directly with XXXX XXXX XXXX and the credit reporting agencies, I have been referred in circles between them. The Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) provide consumers the right to dispute inaccurate and fraudulent information, and require both furnishers and credit reporting agencies to conduct a reasonable investigation and delete unverifiable or fraudulent data. However, despite these legal obligations, neither XXXX XXXX XXXX nor the credit bureaus have corrected the inaccurate late payment or removed the identity theft-related items. Thank you for your attention to this matter.

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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XX/XX/year> Source Receivables Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern : I am writing in response to your [ letter/phone call ] dated [ date ], regarding the collection of an alleged debt. I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 



Please provide the following information : The name and address of the original creditor. 
The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges. 
Verification that you are licensed to collect debts in my state, including your license number and issuing authority. 
Copies of any documents bearing my signature that show I agreed to assume this debt. 
Proof that you have the legal right to collect this debt ( e.g., a copy of the assignment or purchase agreement ). 




Until you provide this documentation, you must cease all collection activities, including reporting this alleged debt to credit reporting agencies. If you have already reported it, please inform them that the debt is disputed. 



Please be advised that I am keeping records of all correspondence regarding this matter. Failure to comply with this request will be considered a violation of the FDCPA and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Attorney Generals office. 



I request that all future communications be in writing. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
The company Active Advantage, or as Ive read online by many others who have experienced this same thing, Active Network LLC. Has been signing people up for memberships at a {$99.00} charge that is not clearly stated or approved with consent. I participated in a race and my information mustve been shared and signed up for a membership however that is not what is wanted. I cancelled the membership they appeared to give me and disputed the charge with my bank. However, have been reading online that many others have experienced this same scam and are being taken advantage of by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The bankruptcy being reported on my credit file is inaccurate, incomplete, and unverifiable in violation of the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681. Each bureau reports conflicting data TransUnion lists a XX/XX/XXXXXXXX bankruptcy dismissed with referenceXX/XX/XXXXXXXX ; Experian lists Bankruptcy XX/XX/XXXX - dismissed under a different court code ; and Equifax lists Bankruptcy : Dismissed XXXX with no verifiable source. These discrepancies prove the data is not consistent with the original public record as required by FCRA 607 ( b ) ( maximum possible accuracy ).

The U.S. Bankruptcy Court does not furnish or verify consumer data to credit bureaus, meaning this reporting relies on unverified third-party sources ( e.g., XXXX, XXXX ) XXXX which violates FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ) ( A ). When a record can not be verified directly with the furnisher, it must be deleted immediately.

Additionally, the reporting exceeds the allowable timeframe under FCRA 605 ( a ) ( 1 ) and 605 ( a ) ( 2 ) and continues to cause harm in violation of FCRA 602 ( A ). I request deletion of this unverifiable and inaccurate bankruptcy from all credit files within 15 days under FCRA 611 ( a ) ( 1
). Continued reporting after this notice will constitute willful noncompliance under 616 and negligent noncompliance under 617.

The bankruptcy reported on my credit file violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), Metro 2 data reporting standards, and established case law. Each bureau ( TransUnion, Experian, Equifax ) lists inconsistent or incomplete information for a XX/XX/XXXXXXXX bankruptcy ( Ref.XX/XX/XXXXXXXX ) that can not be verified directly with the U.S. Bankruptcy Court. Courts do not furnish consumer data to credit bureaus or third parties, as confirmed in XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX ) and XXXX XXXX TransUnion XXXX, XXXX XXXX XXXXXX/XX/XXXX 
Reporting this unverifiable record violates FCRA 607 ( b ) ( maximum possible accuracy ) and 611 ( a ) ( 1 ) ( A ) ( reinvestigation duties ). Continuing to publish unverifiable or inconsistent public record data violates CFPB Bulletin XXXX and Metro 2 Compliance Condition Codes 012 and 039, which require deletion or correction when verification can not be confirmed.

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