vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: KY

Complaint narrative:
To Whom It May Concern, Recently, I conducted an investigation into my credit report and discovered several items that are inaccurate and must be removed.

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information in my credit report. Additionally, under 15 U.S. Code 1681i ( 5 ), if an item of information is found to be inaccurate, incomplete, or can not be verified after reinvestigation, the agency must promptly delete or modify that item and notify the furnisher of such action. 

The following items are disputed and must be removed from my credit report : XXXX XXXX XXXX inaccurate reporting, unverifiable account. 
As required by law, please reinvestigate these accounts. If you can not verify them with proper documentation from the furnishers, they must be permanently deleted from my credit file. 

I respectfully request that you provide me with written confirmation of the deletion or modification of these items once your reinvestigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax is reporting a closed child support account opened in 2010. This account is over XXXX XXXX XXXX, making it obsolete under FCRA Section 605 ( a ). Equifax has blocked the ability to dispute this account in their online portal. I request immediate deletion or suppression.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: AL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my XXXX XXXX  credit dispute. 

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days. 

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( XXXX ) are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as LatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inaccurately as Late XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inaccurately as Collection

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 2025-08-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MO

Complaint narrative:
I moved into my apartment in XX/XX/XXXX and signed a lease that clearly ended in XX/XX/XXXX. During my time there, the property management company changed. Since the transition, the new management company has acted in dishonest and unprofessional ways. 

After my lease ended and I moved out on time, the new management attempted to charge me for breaking a lease which I did not do and for damages that did not exist. Anticipating issues, I documented the condition of the apartment with a detailed video on my move-out day, which clearly shows that the unit was clean and damage-free. My lease also stated that a cleaning fee would only be applied if the apartment was left unclean, which was not the case. 

Despite this, they placed fraudulent charges on my account and submitted them to collections. The collections report includes late fees for months after my lease had already expired, which should not be possible. 

In addition to these false charges, the management has harassed me repeatedly via phone and text, including using inappropriate and racially charged language. When I attempted to speak with them in person, I experienced multiple microaggressions and felt I was being retaliated against for raising concerns about discriminatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Date : XX/XX/2025 To : Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Re : Final Notice of FCRA Violations Improper Bankruptcy Reporting & Inaccurate Account Status This is a Final Notice. 

I am writing to formally notify you that the following accounts are being improperly reported on my credit file : XXXX XXXXXXXX Account No. XXXX XXXX XXXX Account No. XXXX XXXX XXXX XXXX XXXX Account No. XXXX These accounts are currently being reported as XXXX in Bankruptcy. However, I do not have a bankruptcy reporting on my Experian credit file. This reporting is false, misleading, and materially inaccurate. 

I have kept records of my previous disputes and note that you have repeatedly changed the status of these accounts to reflect negative information. This constitutes willful and negligent violations of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) : Failing to follow reasonable procedures to assure maximum possible accuracy of information.

15 U.S.C. 1681i ( a ) : Failing to conduct a reasonable reinvestigation after being notified of disputes.

15 U.S.C. 1681s-2 ( a ) : Reporting information with actual knowledge of errors.

15 U.S.C. 1681n & 1681o : Liabilities for willful and negligent noncompliance.

Because you have already been made aware of these errors and failed to correct them, this letter serves as your Final Notice before litigation. If these accounts are not corrected and deleted immediately, I will have no choice but to file a lawsuit against Experian in Federal Court for statutory damages, actual damages, court costs, and attorneys fees. 

Demand for Relief : XXXX. Delete the above-listed accounts from my Experian credit report. 
XXXX. Provide me with an updated copy of my credit report reflecting these deletions. 

Failure to comply within XXXX days of receipt of this letter will result in legal action. 

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 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
Dear CFPB, ASSOC CREDIT SERVICES : I am filing a complaint regarding a debt collection account that appears on my credit report without my knowledge or consent. I have no relationship with the company reporting this debt and was never notified or contracted with the original creditor. I dispute the validity of the alleged debt and formally request an investigation. 
Under my rights granted by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have demanded full validation of the debt, including : - [ x ] Original Credit Agreement proves the contract I signed - [ x ] Full Itemized Statement shows how the balance was calculated - [ x ] Forward Flow Agreement proves debt was legitimately transferred to collector - [ x ] Chain of Title / Assignment Documents shows proper legal transfer of debt ownership - [ x ] Payment History Records verifies payments made or missed - [ x ] Validation Notice per FDCPA 15 USC 1692g proof they sent me proper notice - [ x ] Notice of Default or Intent to Collect proof of communication as required by law - [ x ] Proof of Statute of Limitations confirms the debt is still legally collectible - [ x ] Credit Reporting Agreement agreement allowing them to report to bureaus - [ x ] Documentation of Dispute Investigations proof they investigated my previous dispute under FCRA 15 USC 1681i If these can not be provided, the debt is unverifiable and must be deleted. Continuing to report an unverified, disputed debt violates FCRA 1681e ( b ), 1681s-2 ( b ) and may result in liability under FCRA 1681n and FDCPA 1692k.

Furthermore, I submitted a cease and desist notice under FDCPA 805 ( c ) / 15 U.S. Code 1692c ( c ). Any continued contact without proper validation is considered harassment and a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
We have been unable to access loan information online for months. The site doesn't work. After XXXX halt and then a drop in payment to {$0.00} temporarily due to earning no income, it has been impossible to find out what the monthly payment is and when it is due. We have not paid anything because we can not figure out what is due nor when.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-23 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
I called in XXXX for a charge off and one main financial failed to send the required paperwork I requested which I am obligated to get when account is charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-23 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, MIDLAND CREDIT MANAGEMEN, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: CA

Complaint narrative:
My name is XXXX XXXX, I got a {$200.00} dollar loan from Minto Money and now im being charged {$1000.00} i didn't think I would be charged {$870.00} interest. I can not afford to pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
To Whom It May Concern, I am reaching out to dispute inaccurate personal information that is being reported under my consumer credit report. Specifically, there are mailing addresses listed that are not and have never been associated with me. These inaccurate addresses are harming the accuracy and integrity of my consumer report.

The following addresses are incorrect and should be removed immediately : XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX WI, XXXX My correct and current mailing address is : XXXX XXXX XXXX, XXXX XXXX WI XXXX I have enclosed supporting documentation verifying my correct address, including : A copy of my drivers license ( showing current address ) A recent utility bill/bank statement ( showing my name and address ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute information I believe to be inaccurate or incomplete. The CFPB, in coordination with the credit reporting agencies, is required to investigate my dispute and remove or correct the inaccurate information promptly.

Please provide me with written confirmation once these addresses have been removed or corrected.

Thanks so much for your assistance with removal of the incorrect information.

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 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Information leaked in a data breach. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: AL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my XXXX XXXX  credit dispute. 

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days. 

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( XXXX ) are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as LatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inaccurately as Late XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inaccurately as Collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: AL

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Experian, Equifax, or TransUnion regarding their handling of my XXXX XXXX  credit dispute. 

I submitted a dispute regarding inaccurate information being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), the bureau is required to conduct a reasonable investigation and either verify, delete, or correct the information within 30 days. 

Instead of providing proof of validation or documentation from the furnisher, the bureau responded that the account was verified but did not supply evidence supporting this conclusion. This constitutes a failure to comply with FCRA 611 ( 15 U.S.C. 1681i ). 

The disputed item ( XXXX ) are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as LatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inaccurately as Late XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Reporting inaccurately as Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inaccurately as Collection

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 2025-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
On XX/XX/year>, I sent XXXX a written debt validation request under the Fair Debt Collection Practices Act ( FDCPA 809 ). I specifically requested a copy of the signed contract, treatment/payment history, proof of assignment, and identification of the current creditor. XXXX has not responded or provided any of the required validation, yet continues to attempt collection. This is a direct violation of FDCPA 809 ( b ), which requires all collection activity to cease until proper validation is provided.

Prior to this, I filed a complaint with the XXXX XXXX XXXX  against Healthcare Finance Direct ( HFD ), the original financer. In response, HFD stated that they could not take any action and referred me to XXXX, despite never providing the requested documentation. I rejected their response because they failed to validate the debt, but the XXXX  closed the case as Answered consumer dissatisfied.

This demonstrates a pattern : both HFD and XXXX are refusing to provide legally required documentation while still pursuing collection. The alleged debt is tied to XXXX, which ceased operations and failed to provide the contracted services. This represents a frustration of contract and impossibility of performance, raising substantial questions about whether the debt is valid or enforceable at all.

I am requesting that CFPB review this matter, require validation of the alleged debt, and investigate whether HFD and XXXX are in violation of FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
zelle payment was canceled, but money was sent,, and bank will not refund me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX is showing on account as bridgecrest that isnt mine. An auto loan in the amount of {$10000.00} is being reported on my credit file under Bridgecrest, but this account does not belong to me. 

I am disputing this debt as inaccurate. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute information on my credit report and require the furnisher and the credit bureaus to conduct a reasonable investigation. If the account can not be verified with proper documentation, it must be removed from my credit file.

Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ), it is unlawful to report or attempt to collect a debt using false, misleading, or unfair practices. Reporting a debt that does not belong to me violates these protections.

I request that this account be investigated immediately and permanently removed from my credit report if the company can not provide clear proof that I am legally responsible for this loan.

Company response to consumer: Closed with explanation