vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AR

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: PA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: PA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-22 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:
This is a formal affidavit and legal notice disputing inaccurate late-payment reporting appearing on my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ), and 623 ( a ) ( 1 ) ( A ) ) and the Fair Credit Billing Act ( 15 U.S.C.

1666b ), you are hereby notified that the following accounts are reporting late payments without verifiable evidence or compliance with federal billing standards : XXXX XXXX XXXX XXXX  XXXX 30-day late ( XX/XX/XXXX ) XXXX. XXXX 30-day and 60-day late ( XX/XX/XXXX & XX/XX/XXXX ) XXXX. XXXX XXXX XXXX  XXXX XXXX 30-day late ( XXXX XXXX, closed account ) These entries are damaging and unverified. I demand immediate reinvestigation and deletion within 30 days, as required by 1681i ( a ) ( 1 ) ( A ). If your investigation can not produce full documentation proving that each alleged late payment was both accurate and lawfully reported, you must delete the item in full compliance with 1681i ( a ) ( 5 ) ( A ).

Final Statement : I am asserting my full rights as a consumer under federal law. The inaccurate late-payment reporting reflected in my file is a direct violation of the Fair Credit Reporting Act and the Fair Credit Billing Act. These errors are not minor clerical issues they are acts that have caused measurable harm to my credit reputation, my ability to obtain financing, and my standing as a responsible citizen.

No consumer should be subjected to false or misleading data, especially when such information fails to meet the requirements of maximum possible accuracy under 15 U.S.C.

1681e ( b ). This affidavit serves as both notice and demand : either provide verifiable documentation supporting each late-payment mark, including complete payment histories and original creditor records, or delete the information from my file in full compliance with 1681i ( a ) ( 5 ) ( A ).

I am not requesting a courtesy correction I am demanding compliance with federal law.

Continued misreporting will be documented as willful noncompliance and forwarded to the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Texas Attorney General for immediate review.

Additional Dispute Personal Information : It has come to my attention that my file includes inaccurate personal identifiers. Please correct the following : XXXX. Remove the misspelled former name XXXX XXXX. My legal name is XXXX XXXX. 
XXXX. Delete all outdated or former addresses. Retain only my current address : XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX. 
These inaccuracies violate FCRA 1681e ( b ) and 1681i ( a ) ( 5 ) ( A ) as they fail to meet the requirement of maximum possible accuracy.

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 2025-10-22 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: IL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Portfolio Recovery Associates is reporting a {$500.00} collection account that I do not believe is mine. The account was opened on or around XX/XX/XXXX, and as of XX/XX/XXXX, it still shows as an active collection with a {$500.00} balance. 
I previously disputed this account with both Portfolio Recovery Associates and the credit bureaus. The company marked the dispute as Completed investigation consumer disagrees, but they have not provided any documentation proving this debt is valid. 
I requested validation of the debt, including proof of the original creditor, signed agreement, and a breakdown of the amount owed, but Portfolio Recovery Associates failed to provide that information. 
Under the Fair Credit Reporting Act ( FCRA 611 ) and Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), the company must validate the debt before continuing to report it. Because they have not done so, I am requesting that this account be fully validated or permanently deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

2. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

3. Identity Theft XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

4. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 

5. Identity Theft XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove 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 2025-10-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
This letter is a formal demand for you to cease and desist all communications with me regarding the above-referenced alleged debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that your office immediately terminate all direct and indirect communication with me, including but not limited to : Phone calls Letters or electronic correspondence Contact with my family, employer, or any third party Furthermore, pursuant to 15 U.S.C. 1692g ( b ), I refuse to pay the alleged debt and hereby dispute its validity in full. I do not owe this alleged debt. If you have not already done so, you are required to cease all collection efforts until you provide the following : 1. Verification of the debt, including the name of the original creditor, a breakdown of the amount claimed, and the legal basis for your collection.

2. A copy of the original signed contract or application, establishing that I have a legal obligation to pay the alleged debt.

3. Chain of assignment or sale proving your legal standing to collect on this debt, if applicable.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), if you are furnishing this account to any consumer reporting agency, you are required to : Mark the account as " disputed by consumer '' ; and Refrain from reporting inaccurate or unverifiable information ; and Promptly investigate and delete any information that can not be properly verified. 

Unverified accounts reporting below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Untimely response
Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
Somehow I was reported as deceased. The cc account was closed without prior inquiry and I received a letter inquiring to my estate handling. This has been addressed but somehow is still negatively affecting my credit background, as I no longer have a 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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is 31984 is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Between XXXX and XXXX, I submitted multiple written disputes to Capital XXXX, XXXX Bank, XXXX XXXX XXXX, and Experian regarding inaccurate and unverified information appearing on my credit reports. 

I first disputed a XXXX XXXX credit card account that was charged off for approximately {$8000.00}, even though I made XXXX large payments totaling {$4500.00} in XXXX and XX/XX/XXXX. XXXX XXXX acknowledged that the account was opened online and admitted that no signed application exists, yet they continue to report a balance and charge-off status without providing any wet-ink contract or full accounting of payments. 

I also disputed a Comenity/Victorias Secret account that Comenity confirmed XXXX sold to XXXX XXXX XXXX XXXX XX/XX/XXXX. Despite that sale, XXXX continues to report a charged-off balance instead of showing a XXXX balance marked transferred/sold. XXXX XXXX XXXX began reporting the same account as a new collection but has not provided any lawful debt validation, original contract, or documentation showing ownership or chain of title of the account. 

Experian has received multiple rounds of certified dispute letters from me providing new evidence, including the Comenity sale confirmation and payment proof to XXXX XXXX. However, on XX/XX/XXXX, Experian closed the reinvestigation as verified/updated or remains, without showing any verification documents or evidence of a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

The pattern of conduct by these companiescontinuing to report inaccurate information and refusing to produce lawful proof of claim after repeated written requestshas caused ongoing financial and emotional harm, denial of credit opportunities, and damage to my credit reputation. 

I am requesting that the credit bureaus delete the disputed tradelines from my report, that XXXX XXXX and XXXX correct or remove their inaccurate reporting, and that XXXX cease all collection and reporting until proper validation is provided. 

Multiple creditors and a credit bureau have continued to report inaccurate and unverified information despite certified disputes and affidavits I submitted between XXXX and XXXX. The creditors failed to validate or provide signed contracts, and the credit bureau ignored clear evidence. These actions have caused financial and emotional harm and violate the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: NY

Complaint narrative:
Between XXXX and XXXX, I submitted multiple written disputes to Capital XXXX, XXXX Bank, XXXX XXXX XXXX, and Experian regarding inaccurate and unverified information appearing on my credit reports. 

I first disputed a XXXX XXXX credit card account that was charged off for approximately {$8000.00}, even though I made XXXX large payments totaling {$4500.00} in XXXX and XX/XX/XXXX. XXXX XXXX acknowledged that the account was opened online and admitted that no signed application exists, yet they continue to report a balance and charge-off status without providing any wet-ink contract or full accounting of payments. 

I also disputed a Comenity/Victorias Secret account that Comenity confirmed XXXX sold to XXXX XXXX XXXX XXXX XX/XX/XXXX. Despite that sale, XXXX continues to report a charged-off balance instead of showing a XXXX balance marked transferred/sold. XXXX XXXX XXXX began reporting the same account as a new collection but has not provided any lawful debt validation, original contract, or documentation showing ownership or chain of title of the account. 

Experian has received multiple rounds of certified dispute letters from me providing new evidence, including the Comenity sale confirmation and payment proof to XXXX XXXX. However, on XX/XX/XXXX, Experian closed the reinvestigation as verified/updated or remains, without showing any verification documents or evidence of a reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). 

The pattern of conduct by these companiescontinuing to report inaccurate information and refusing to produce lawful proof of claim after repeated written requestshas caused ongoing financial and emotional harm, denial of credit opportunities, and damage to my credit reputation. 

I am requesting that the credit bureaus delete the disputed tradelines from my report, that XXXX XXXX and XXXX correct or remove their inaccurate reporting, and that XXXX cease all collection and reporting until proper validation is provided. 

Multiple creditors and a credit bureau have continued to report inaccurate and unverified information despite certified disputes and affidavits I submitted between XXXX and XXXX. The creditors failed to validate or provide signed contracts, and the credit bureau ignored clear evidence. These actions have caused financial and emotional harm and violate the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year> i called Navy Federal Credit Union to inquire about XXXX check that was previously sent to me by them to make sure it was safe for me to submit the checks. The Checks stated " this is a legal copy of the original check and can be used the same as the original check. The original check had been declined due to NSF. I was told over the phone and via message on the app and in person by a branch rep that it was ok to redeposit the checks if funds were no available. On XXXX was notified that my account had been frozen due to fraud. I called in immediately and answered all question. They stated XXXX business days and here I am day XXXX no resolution as to why my account is still frozen. They claim it is to protect me but when i have called have failed to follow there own policy and procedure when it comes to securing my account. Stating my name when I have not given it and even though my account states my code is to be asked at all time they have not and i have called over XXXX to get this issue resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to Zions Debt Holdings. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Zions Debt Holdings to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Zions Debt Holdings.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: PA

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by Equifax. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away. 
Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for Equifax to maintain a credit report on my behalf. 
Equifax has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The absence of such permissible purpose makes the presence of this information a violation of my privacy rights. 
Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I am expecting Equifax to take all necessary action to correct and block this information as ordered by law.

l from now on request a formal investigation into my dispute and the removal of any incorrect information from Equifax 's records if it is determined that no permissible purpose exists for maintaining this information. I expect Equifax to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft. 
Please provide me with a written response to this dispute within 30 days, with detail on any action taken to correct the inaccuracies on my credit report, along with the results of your investigation, If my report is not corrected or removed in accordance with the law, I will take legal action.

Company response to consumer: Closed with non-monetary relief