vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Re : Request for Original Purchase Agreement & Full Validation of Alleged Debt To Whom It May Concern, I am writing as a consumer disputing and requesting full validation of several alleged accounts you have reported and/or attempted to collect. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting the following for each alleged account you claim : XXXX XXXX. XXXX Claimed Balance : {$880.00} Open Date : XX/XX/XXXX XXXX No. XXXX Claimed Balance : {$660.00} Open Date : XX/XX/XXXX XXXX No. XXXX Claimed Balance : {$530.00} Open Date : XX/XX/XXXX I hereby demand the following documentation for each alleged account : The original purchase agreement between XXXX XXXX XXXX and the original creditor showing proof of ownership of the alleged debt. 
The bill of sale or transfer agreement documenting that the above-referenced accounts were legally sold, transferred, or assigned to XXXX XXXX XXXX XXXX 
A complete copy of the terms and conditions of the original agreement under which the alleged debt was incurred. 
A full and complete accounting of the alleged amount claimed, including itemized statements from the original creditor. 
The name and address of the original creditor, as well as proof that the alleged debt is valid, enforceable, and collectible. 

Be advised that mere statements, screenshots, or computer printouts generated by XXXX XXXX do not constitute proof of ownership or legal validation. Until this documentation is provided, you must cease all collection activity, reporting, and verification of these accounts with any consumer reporting agencies, as doing so without validation is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

If you are unable or unwilling to provide the original purchase agreement, bill of sale, and full terms and conditions of the alleged accounts, you are required to immediately delete and remove these accounts from all consumer credit reporting agencies. 

This letter serves as notice of my good-faith attempt to exercise my federal rights as a consumer. Please respond within the timeframe required by law. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I dont know what debt they are trying to collect never signed anything with the or authorized anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal , has violated my rights.

I looked at my credit bureau EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

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 2025-08-27 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 letter serves as official notice that the folowing entries on my credit report are the direct result of identity theft and were NOT authorized by me in any way. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and relevant case law to demand the immediate and permanent removal of the fraudulent data listed below. 
FRAUDULENT ACCOUNT REMOVE IMMEDIATELY XXXX XXXX XXXXXXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  Balance : {$1800.00} Date Opened : XX/XX/XXXX Status : Fraudulent Colection FRAUDULENT INQUIRIES REMOVE IMMEDIATELY XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Not Authorized XXXX Inquiry Date : XX/XX/XXXX Not Authorized XXXX XXXXnquiry Date : XX/XX/XXXX Not Authorized LEGAL FOUNDATION YOU MUST COMPLY Under 15 U.S.C. 1681c-2 ( FCRA ), I have the legal right to have any information resulting from identity theft blocked within 4 business days of your receipt of the folowing :

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 2025-08-27 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: TX

Complaint narrative:
TransUnion is reporting an account from XXXX XXXX XXXX that is inaccurate, incomplete, and unverifiable. The account originated with XXXX, but XXXX has already been deleted from my credit file after investigation. With the original creditor deleted, there is no continuity or verifiable ownership chain to support XXXX XXXX tradeline. 

By continuing to report this item, TransUnion is furnishing misleading and materially deceptive information in violation of FCRA 607 ( b ) ( maximum possible accuracy ) and FCRA 611 ( a ) ( duty to investigate and delete unverifiable data ). This conduct also constitutes willful noncompliance under FCRA 623 ( a ) ( 1 ) ( A ) and subjects TransUnion to liability under FCRA 616 & 617. 

This is not an isolated error. It is part of a broader pattern where TransUnion has failed to properly investigate and delete inaccurate tradelines from multiple furnishers, despite being provided with disputes and clear evidence of inaccuracy. 

I request immediate and permanent deletion of the XXXX XXXX XXXX XXXX and written confirmation that it will not be reinserted without full certification and notice as required under FCRA 611 ( a ) ( 5 ) ( B ). 

Conns Deletion Credit report excerpt showing XXXX has been removed. 

XXXX XXXX XXXX XXXX TransUnion report still showing XXXX XXXX XXXX ( collection ). 

Dispute Letters Copies of disputes sent to TransUnion regarding 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 non-monetary relief
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
Im filing this complaint because my consumer report contains inaccurate information that the credit reporting agency refused to delete. My personal information been compromised in multiple nationwide data breaches. Including the XX/XX/year> XXXX bread breach with a XXXX XXXX settlement. U see the fair credit reporting act section 611, 15 U.S.C. 1681 i, the bureaus must perform a reasonable reinvestigation and provide verifiable proof from the original creditor. Under section 607 ( b ) 15 U.S.C. 1681 e ( b ) the bureaus must follow reasonable procedures to assure maximum possible accuracy. Reporting potentially compromised or inaccurate data after a nationwide breach vilates these duties.

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 2025-08-27 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: LA

Complaint narrative:
Im filing this complaint because my consumer report contains inaccurate information that the credit reporting agency refused to delete. My personal information been compromised in multiple nationwide data breaches. Including the XX/XX/year> XXXX bread breach with a XXXX XXXX settlement. U see the fair credit reporting act section 611, 15 U.S.C. 1681 i, the bureaus must perform a reasonable reinvestigation and provide verifiable proof from the original creditor. Under section 607 ( b ) 15 U.S.C. 1681 e ( b ) the bureaus must follow reasonable procedures to assure maximum possible accuracy. Reporting potentially compromised or inaccurate data after a nationwide breach vilates these duties.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Im disputing a late payment on my mortgage that was done in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email notification from Capital One stating that my account was closed. I have already filed a CFPB complaint regarding this matter. In their response, Capital One claimed that my account had been closed on XX/XX/XXXX, which is inconsistent with the email notification I received on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
I am a victim of identity theft. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of all unauthorized accounts and inquiries from my credit file, with written confirmation once the corrections are complete.

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 2025-08-27 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:
These entries were fraudulently opened and do not belong to me. Ive already provided the FTC Identity Theft Report and proper supporting documentation. Under FCRA Section 605B, these accounts must be blocked and deleted. The continued reporting of this fraudulent information is unlawful. Please act immediately to remove these items from my credit file. 
Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference 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 non-monetary relief
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Fraudulent Sale Regarding my inherited home XXXX XXXX XXXX, XXXX XXXX, CA by Escrow and Title I, XXXX XXXX submit this complaint regarding the fraudulent and unlawful sale of my late fathers residence located at XXXX XXXX XXXX, XXXX XXXX, California XXXX. XXXX # XXXX. The property was my fathers sole and separate property ( per deed attached ) which required probate by law. Despite this, it was improperly sold ( no probate-no legal proceeding ) orchestrated the transaction with my brother XXXX XXXX XXXX XXXX contingency for sale " XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX and First American Title, represented by XXXXXXXX XXXX XXXX XXXX ( Although I filed a claim to First american title and my handler was XXXX, and I did that again ) but no caring. Both companies failed to do their legal duties as a proper sale, denied my claims without meaningful review, and closed the transaction despite clear legal defects, effectively enabling XXXX fraudulent actions. The attorney involved, XXXX XXXX, also acted as the broker, creating a conflict of interest which I filed a complain at California State Bar. As a result, I lost my inheritance, the property, and personal belongings; including rugs, a piano, and my fathers safe ; as documented in the XXXX listing. Due to documented circumstances beyond my control, including XXXX XXXX abduction of me, which displaced me abroad, I was unable to act in time to protect my legal rights, greatly increasing my financial loss as per my university to return to XXXX and finish my degree at XXXX XXXX XXXX as my last years. This is part of a pattern of fraudulent and abusive activity, demonstrating repeated manipulation of property and financial transactions for personal gain. Heres whats concerning XXXX XXXX XXXX : They dont list a legal department or General Counsel, which is unusual for an escrow company handling high-value property transactions. If XXXX XXXX, as Operations Manager, was responsible for overseeing compliance, the failure to verify ownership or review claims in your fathers property sale could be considered gross negligence or enabling fraudulent activity. 
First American Title : Even with a General Counsel in place ( XXXX XXXX XXXX ), the failure to detect or stop the falsified trust and unauthorized sale is serious. Title companies have a fiduciary duty to ensure that ownership is legitimate; ignoring defects or denying your claims without meaningful review raises strong concerns about accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: NC

Complaint narrative:
I did not consent to authorize nor benefit from any of the following inquiries. I want them blocked and removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) 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. 

Please remove the following items from my credit report, immediately : Experian : Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
I am really frustrated because the inaccurate late payments are still showing up on my credit report, even as of this morning. This makes no sense to me. I refreshed my browser thinking it might just be a glitch, but the problem is still there. I need my documents to be reviewed immediately so that this matter is fully resolved and I can stop worrying about it.

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