vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$450.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$200.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$140.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXXXXXX XXXX Date : 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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
This complaint is about a debt that was disputed, never validated, deleted from my credit reports, and then unlawfully transferred to XXXX, who is now attempting to collect in violation of multiple federal laws. 

I disputed the debt with XXXX XXXX XXXX on XX/XX/2025. They failed to validate under FDCPA 809 ( b ). The account was subsequently removed from all three major credit bureaus in XX/XX/2025. Despite that, the debt was sold or transferred to XXXX, who then began contacting me for payment. 

On XX/XX/2025, XXXX emailed me and acknowledged that : " If you write to us by XX/XX/2025, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' The email also said : " Go to XXXX to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. '' I responded on XX/XX/2025, with a formal dispute and Notice of Intent to Sue. I explained the account had already been deleted and demanded they cease communication unless they could provide full legal validation. 

On XX/XX/2025, XXXX mailed me a packet containing only billing statements and a generic cardholder agreement not a signed contract, not a chain of assignment, and not legal proof they had any right to collect. 

This does not meet FDCPA requirements. I am no longer requesting any documents. They had the opportunity and failed. I now demand all collection activity and communication stop, with the sole exception of XXXX final letter confirming closure. 

Laws Violated FDCPA 809 ( b ) Continued collection without validation.

FDCPA 807 ( 15 USC 1692e ) Misrepresentation of debt status.

FCRA 611 ( 15 USC 1681i ) Failure to reasonably investigate.

FCRA 607 ( b ) Inaccurate or unverifiable collection attempts.

FCRA 1681s-2 ( a ) ( 3 ) Collection or furnishing of unresolved disputed data.

FDCPA 805 ( c ) Failure to cease communication upon written request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Transworld Systems Inc. has willfully reported an inaccurate, invalid tradeline with no legal foundation. The alleged debt arises from a dispossessory case ( XXXX XXXX. XXXX ) that : Was never adjudicated Resulted in a Writ of Possession that was later vacated Involved no final judgment, assignment, or court order Despite this, XXXX reported the debt as valid and continued to verify it after more than a year of disputes. This conduct constitutes : FDCPA 1692e ( 2 ) ( A ) : False representation of legal status of the debt FDCPA 1692f ( 1 ) : Attempting to collect an unauthorized debt FTC Act / Georgia FBPA : Deceptive practices and harm to consumer dignity and livelihood XXXX XXXX XXXX XXXX XXXX : This false tradeline weaponized my name and distorted my financial reputation without due process. 
There is no court in America that ruled I owed this debt yet Transworld acted as if it had power of judgment. 
I suffered mental, emotional, and financial harm not from poor choices, but from corporate negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The reported information on my report is in accurate

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 2025-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX  Acct # XXXX Im unaware of this dept and did not have the oppurtunity to dispute this account. If you believe you sent proper notifications please provide " certified mail '' with receipt displaying my signature. If not, please delete account # as soon as possible from report or I will have to take legal Action.

I am writing to formally dispute and request the immediate deletion of fraudulent auto loans that have been reported on my credit file. these accounts were not authorized by me and im a victim of identity theft. despite prior disputes, these accounts have been inaccurately verified and continued to appear on my credit report, in directions of violation of the FCRA, The FACTA and relevant provisions of the U.S. Code. Acct # XXXX DATE OPENED XX/XX/year>, These account are not mine, and I did not authorized these transactions in any form. I have filed a police report and an identity theft affidavit, and I have enclosed copies of both documents of government id and proof of address. I am formally requesting that these fraudulent items to be blocked from my credit immediately. 
The continue reporting of these fraudulent accounts. is causing undue harm and distress and you are obligated by law to ensure the accuracy and integrity of the information you furnish to the creditor and third parties. please investigate and permanently delete these accounts from my credit file. I also request a new updated copy of my credit report reflecting these deletion be sent to me at the address listed. I expect a response within 30 days as required under FCRA. Should you fail to comply, I am prepared to file complaints with CFPB. The FTC and my sate attorney general office, and I will consider seeking legal action for damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: WA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-07-16 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/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 2025-07-16 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 reaching out because Transunion is helping XXXX XXXX put incorrect information on my credit report related to the account below : Account Name : XXXX XXXX # ( XXXXXXXX XXXX XXXX XXXX XXXX  ) As defined by the IRS : The IRS considers a Charge off to be income, either as gross or ordinary income. Income like this does not belong on a credit report, so this information on my report is not accurate!

By IRS rules, any canceled debt or Charge off is classified as income, reporting this a s a debt is incorrect.

According to 15 USC 1681s-2 Account name, as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. I'm requesting that you delete this inaccurate information from my report right away.

* * 15 USC s-2 ( a ) ( 1 ) ( A ) : a person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and, the information is, in fact inaccurate. 

This in summary I've shown you that this information is wrong, and you have been notified, keeping inaccurate inform on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 



Please delete the incorrect information 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 non-monetary relief
Consumer complaint received 2025-07-17 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: IA

Complaint narrative:
I took my XXXX XXXX to XXXX for brakes, they charged me almost XXXX which I paid with my XXXX credit card. I had a lot of squealing and grabbing in my brakes when I left their shop. I called and spoke to them, they said I could bring it back and they would correct the issue. I took it back, waited over an hour and they insisted they gave me a better set of brake pads at no additional cost. The person I was working with assured me that this would resolve the issue because they're the same brake pads he put on his wife 's car. I left and noticed the same sound was occurring. I called again and told them I am starting a new job which won't allow me to keep bringing my car back and sitting for an hour at a time. I did go back after my orientation the next day and was told that the original technician broke some screw/bolt and they had to grind off the rest and that's what had been causing the squeeling. To try and make it right, they were going to refund my account for the entire job since they shouldn't give me back my original brakes and let me take it somewhere else. I agreed to the refund but also took it to a friend who confirmed that the new brakes were okay, but the squeeling was going to continue until I replaced another part. I am trying to purchase a home and I was told I had XXXX on my credit report, it was closed but they are reporting non payment which obviously affects my credit. It however has not shown up on my credit karma for years otherwise I would have dealt with it before now. I asked for this to be removed and just received the response that it will continue to show negatively on my credit report until 2027. Please help.

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 2025-07-16 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: FL

Complaint narrative:
Ive been trying for months to correct errors on my credit report because maintaining my creditworthiness is extremely important to me. These inaccuracies have had a serious impact on my financial opportunities and emotional well-being. Despite my repeated efforts, my concerns continue to be ignored or dismissed, which only worsens the harm caused.

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 2025-07-16 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: FL

Complaint narrative:
There are applications showing up on my credit report that I did not initiate or authorize. These fraudulent inquiries were made without my consent, and as a result, my credit report was accessed by companies I have no association withcausing harm to my credit score. I previously contacted the bureau, and a representative assured me these inquiries would be removed, yet they are still present.

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 2025-07-17 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: TX

Complaint narrative:
I do not recognize the address and the names listed, please remove the incorrect information. Thank you. 
Address : 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

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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
" I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: OK

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I disputed a Cherry technologies payment with XXXX XXXX XXXX on XX/XX/XXXX and realized I made a mistake so I contacted XXXX XXXX XXXX and dispute was reversed on XX/XX/XXXX and cherry technologies was paid. Cherry technologies states they never received the {$410.00} payment for XXXX so I made another payment and now XXXX XXXX XXXX is requesting evidence that Cherry technologies was never paid on XX/XX/XXXX so I can be reimbursed for the double charge in the month of XXXX. Ive been contacting cherry technologies every month since then to attempt to get evidence to provide to my bank but no one at Cherry technologies is willing to help me. I spoke with the dispute department at XXXX XXXX XXXX and they stated cherry technologies was paid and they need the evidence from cherry technologies in order to reimburse me because on their end cherry received the money but its not reflecting that on cherry technologies end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Alliance CAS, LLC
State: GA

Complaint narrative:
In XXXX, I began disputing inaccurate charges from my HOAs management company and their collections partner, XXXX. Despite numerous emails and phone calls, they have repeatedly refused to send corrected, itemized account statements reflecting accurate balances. Instead, theyve sent misleading or inflated invoices and have continued adding unjustified legal fees, interest, and lien filing charges even after I provided proof that the original violation was resolved. 
I have over XXXX email threads, including proof of a XXXX settlement offer for {$1400.00} and a XXXX settlement offer for {$1700.00}. Both were discussed and partially acknowledged but not honored, and suddenly a lien was filed for {$5100.00} a number that has no supporting documentation. When I asked for the correct invoice tied to that {$5100.00} lien, I was ignored. 

I also spoke with a representative named XXXX XXXX on XX/XX/XXXX, who falsely claimed she had no prior communication with me even though I had a past email from her on file. She reported incorrect information to the board and collections agency, escalating the issue further. I have a recording of that phone call as proof. 

The HOAs pattern of misconduct appears targeted I am being aggressively pursued while nearby properties with poor maintenance receive no such treatment. I am now forced to seek legal action to remove this wrongful lien and protect my property.

I am requesting that CFPB intervene and require Alliance and the HOA to provide : A corrected account history A written withdrawal of the inaccurate lien An acknowledgment of the agreed-upon settlement offers Removal of all legal and interest fees added due to their own delays

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