vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-05 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: INDEPENDENT BANK CORP.
State: SC

Complaint narrative:
On XXXX  I sent a Notice to Independent Bank Corp. to get some clarity on exactly how the debt was owed and for a full accounting along with a wet signature copy of the contract. A complete ledger of all transactions, payments, interest charges, fees, etc. associated with the account and they sent back one letter from a totally different name address XXXX XXXX, saying that they don't have valid record of the customer signature on file and were unable to fulfill this request. Then wanted me to forward the request with a notarized signature. In my first notice they were advised that this was not a refusal to pay just simply requesting verification on exactly how the debt is owed, which is legally in my range to do. Also informed them that until all of the information was provided, all collections efforts, phone calls, billing notices are to cease, but instead the harassment began, and a repossession was reported on my credit from them, and they never sent any of the information I asked of them. The second notice was sent to them on XXXXXXXX XXXX XXXX  and as of today still no response or transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-05 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: MD

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I lost my phone XX/XX/XXXX and I got paid by my job XX/XX/XXXX but I two jobs snd I was using my other primary bank I forgot my other phone had my emails in it so they reset the password my bank locked me out and took all of my money and now the bank hasnt given me my money back yet they said they will look into it and if it solved by 10 business days theyll give me provisional credit to use but it has been 10 business days and I have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
They some how got my mothers number and revealed how much was owed. I called and they agreed to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX XXXX They never reported my payments for 5 months. I only asked that they correct this information. They reported it 6 months later never se t me a response. Then a months later reported that ai disputed my credit and this of course reduced my credit score by XXXX points. There was no reason to say this was disputed it needed to be corrected. They purposely tried to harm my credit by placing those remarks on 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 non-monetary relief
Consumer complaint received 2025-09-05 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX | XXXX : XX/XX/XXXX Date : XXXX XXXX XXXX To : Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account/Reference # : XXXX | Reported Balance : {$2500.00} FORMAL DISPUTE & DEMAND FOR VALIDATION / CEASE & DESIST To Whom It May Concern : This letter is to place you on notice that I am formally disputing the alleged debt referenced above. Additionally, this is a cease and desist order under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

1. Midlands Pattern of Non-Compliance Midland Credit Management, like many debt buyers, is known for attempting to satisfy consumer requests for validation by merely sending a bill or a statement. Be advised : A bill is NOT validation under federal law.

The law requires competent evidence that this alleged debt is valid, enforceable, and that you have legal standing to collect.

2. Full Documentation Required To properly validate this alleged debt, I demand that you provide : A complete copy of the original signed contract or agreement bearing my signature. 

Documentation of the full chain of title/assignment from the original creditor to Midland, showing you have legal right to collect.

A detailed accounting of the amount claimed, including all fees, interest, and charges, with proof of their legality.

The name and address of the original creditor, as well as any intermediary debt buyers or assignees.

Failure to produce all requested documentation will prove that Midland has no legal right to report or collect on this alleged debt. 

XXXX. Consequences of Non-Compliance If you fail to provide complete validation, any further reporting to the credit bureaus will constitute willful violations of the FCRA and FDCPA, defamation of character, and possible fraud. 

Any continued collection efforts without proper validation will be documented as harassment and reported to the CFPB, FTC, Arizona Attorney General, and my legal counsel for review. 

4. Cease & Desist Effective immediately, you are ordered to cease all collection activity, phone calls, and correspondence unless it is to provide full and proper validation as demanded above. 

You are on notice : this is your final opportunity to act lawfully. Provide all documents requested or remove this account from my profile immediately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
It looks like someone opened a credit card with victories secret under my name somehow and ran up like a {$410.00} debt .. that debt got charged off and sold to Comenity Bank ( aka : Bread financial ). It is very difficult to get someone on the phone there who can confirm that this debt is confirmed as fraud and taken care of. I need to get this off of my credit report. I disputed this comenity bank account with transunion and experian, and they both confirmed the information as accurate, so apparently they arent recognizing this as fraud either? Im very confused, and I just need some help here.. I have worked very hard to get my credit score up and I cant abide some thief messing it up for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
To : OneMain Financial XXXX XXXX XXXX XXXX XXXX, IN XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX XXXX XXXX XXXXXXXX Re : Account Number XXXX Debt Validation & Securitization Request Dear Sir/Madam, I am disputing the above-referenced account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I demand full validation of this alleged debt and request that all collection and credit reporting activities cease until validation is completed. 
Please provide the following documentation : 1. Original Promissory Note or Contract The original signed agreement creating the alleged obligation.

2. Securitization Audit Trail If the account has been securitized, provide the Pooling and Servicing Agreement ( PSA ), trust name, and CUSIP number showing ownership. 
XXXX. Chain of Title/Assignment All transfers, assignments, or sales of this debt, proving your legal standing. 
4. Itemized Accounting A complete breakdown of the balance of {$3500.00} charged off in XXXX XXXX  including payments, fees, interest, and charges.

5. Authority to Collect Proof of your license to collect in the State of Georgia and documentation showing your authorization to pursue this debt. 
Until these documents are produced, this debt remains unsubstantiated and unenforceable. Reporting unverifiable information to XXXX XXXX XXXX XXXX  constitutes a violation of the FCRA. 
Be advised : - Any continued reporting of this account without validation will be considered a willful violation of federal law. 
- I reserve the right to escalate complaints to the CFPB, FTC, and Georgia Attorney Generals Office for non-compliance. 
- This letter serves as a cease and desist notice until the requested documentation is provided. 
You are required to respond within 30 days of receipt. If you can not provide the requested proof, this account must be deleted in its entirety from all consumer reporting agencies. 
Sincerely, __________________________ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
I was receiving debt collection calls on things I do not owe from Portfolio Recovery. Threats of court and putting a lien on a car that I do not own. I pulled my credit reports and realized that they are trying to collect on accounts that I do not owe. These were reported to the original creditors as identity theft and false accounts. I sent a validation letter to Portfolio Recover. Also, a letter requesting proof of the Bill of Sale on the first of XXXX. After waiting 30 days, when I did not receive a response, I sent a final notice. There are 3 collection accounts with them that I do not owe. I sent validation letters for all 3 accounts to each one of them. These are still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
I am extremely frustrated to see that the inaccurate late payments are still showing on my credit report today. Even after refreshing my browser, nothing was corrected. I need this issue resolved immediately, and I demand that the documents I provided be reviewed carefully so I can finally stop stressing about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
I am filing this complaint against Experian for their continued reporting of inaccurate accounts on my credit report which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

I previously submitted a formal dispute regarding this inaccurate entry, yet Experian failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnishers nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Experian appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation.

Further, under FCRA 607 ( b ), Experian has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. 
I am also aware that in XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data .. My experience is consistent with those systemic issues and shows these practices are still ongoing. 
I am requesting the CFPB to require Experian to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. 
I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with 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 2025-09-05 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: FL

Complaint narrative:
I am filing a complaint to dispute several errors on my credit report that are inaccurate, misleading, and incomplete, and that are negatively affecting my credit. My account with XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX, showing a XXXX balance, has been incorrectly labeled as a XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  also shows a XXXX balance but is inaccurately reported as Late Close. My accounts with * XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX all with XXXX balances, are similarly misreported. These inaccuracies violate FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting, and FCRA 611 ( a ), 15 U.S.C. 1681i ( a ), which gives me the right to dispute and have incorrect information reinvestigated and corrected. 
I also have XXXX XXXX XXXXXXXX accounts listed as charge offs with balances of {$24000.00}, {$8800.00}, and {$1500.00}. These charge-offs are reported without any IRS Form 1099-C, making the information incomplete and unverifiable. These accounts violate FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) due to inaccurate reporting, and FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ) because the furnisher is obligated to correct or update information they know to be inaccurate. 
In addition, my credit report shows inquiries that I never authorized. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXwere all pulled without my consent. These inquiries violate FCRA 604 ( a ), 15 U.S.C. 1681b ( a ), which limits the purposes for which a consumer report can be accessed, and FCRA 619, 15 U.S.C. 1681q, which prohibits obtaining consumer information under false pretenses.

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 2025-09-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

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 2025-09-05 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: 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 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 2025-09-05 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: TN

Complaint narrative:
This is a formal dispute regarding fraudulent or mixed-file accounts that have been wrongfully attached to my credit file. These accounts belong to another individual with a similar name and/or address, not me.XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Late Days : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX )

Company response to consumer: Closed with explanation