vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX  XXXX XXXX XXXX Balance : {$0.00}

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 2025-07-15 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: NY

Complaint narrative:
As part of my regular habit, I checked my credit report today and found some surprising inaccuracies. I refreshed my browser to see if it would correct itself, but the incorrect accounts remained visible. Therefore, I am requesting a careful review of the documents I have sent so I can stop worrying about this matter.

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 2025-07-15 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Complaint is fraudulent inaccurate, and false information consists of a checking account open at XXXX XXXX with an account number ending in XXXX and original charge off amount of XXXX in a closure status of unpaid. Attached a copy of the consumer report maintained by you which shows the aforementioned fraudulent item. I do not recognize the affirmation checking account as reported the affirm checking account appearing on consumer report maintained by you was not opened, made or initiated by me the aforementioned check account or other item is the result of identity, theft and fraud. I have attached a copy of a photo ID card, Social Security card and a utility bill as proof of my identity. I have attached a copy of FTC XXXXdentity, theft criminal complaint number, XXXX and XXXX Police Department police report number XXXX as proof from the US federal trade commission and XXXX Police Department thats the aforementioned checking account is result of identity theft, and fraud.

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 2025-07-15 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: FL

Complaint narrative:
It has been brought to my attention that my personal information has been exposed in several data breaches, resulting in accounts being reported that I do not recognize. Due to this, I have prepared an FTC reports that details all of the accounts I am referring to. Under FCRA laws, these accounts must be validated and not just verified. If they can not successfully and thoroughly be validated I am requesting that they be removed within 10 days of submitting this complaint. 

Please see attached files.

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 2025-07-15 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: MO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : Bankruptcy Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have made multiple requests to Early Warning Services for a copy of my consumer file via their online secure portal and through phone attempts as allowed under the Fair Credit Reporting Act ( FCRA, 609 ). Despite these attempts, they have failed to provide my file or respond within the legally required timeframe ( for California residents ) I believe this is a direct violation of my rights under the FCRA.

I am requesting that Early Warning Services comply with federal and state laws by promptly providing a full copy of my consumer file immediately. Their failure to respond or deliver the report after repeated requests is obstructing my ability to review and dispute any inaccurate or outdated information.

My next complaint will be with the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: CA

Complaint narrative:
Hello, I am writing to request the removal of a debt owed to XXXX by TekCollect. 

XXXX declared XXXX in XXXX, and I did not receive the full treatment promised. As a result, I am unable to pay the debt. 

TekCollect provided me with debt information and the amount owed, but these figures do not match the XXXX ( XXXX XXXX XXXX ) debt. I have attached a screenshot comparing TekCollect debt to XXXX debt for your reference. 

Since former XXXX customers can not access their accounts, as the company was closed in XX/XX/year>, this situation is further complicated. Additionally, I have ceased making payments to XXXX, as the products no longer exist. 

I believe that XXXX is a fraudulent organization and that this debt should be removed as soon as possible. Failure to do so will compel me to take legal action. 

Thank you for your attention to this matter. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Legal Basis for Dispute : Under 15 U.S. Code 1681b ( a ) ( 2 ), the permissible purposes for accessing a consumers credit report exclude reporting or collection activities without proper validation. If this debt is not verified, substantiated, or legally enforceable, it must be removed promptly.

Demand for Validation : I request that you provide comprehensive validation of this debt, including but not limited to : The original creditors name and contact information Documentation proving I am obligated to pay this debt Evidence that you have been legally assigned or authorized to report or collect this debt Failure to Validate : If you can not provide such validation within the timeframe mandated by law, I demand the immediate and permanent removal of this collection account from my credit report. Failure to comply is a violation of my rights under the FCRA, and I will not hesitate to escalate this matter by filing complaints with the Federal Trade Commission, the Consumer Financial Protection Bureau, and pursuing legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: SD

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00} XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00}

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 2025-07-15 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: SD

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$480.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$24000.00} XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Recovery One, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX RE : Request for Debt Validation under the FDCPA Amount : {$400.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : This letter is a formal notice to validate the alleged debt listed under Recovery One LLC . I request that you supply the following details as required by law : The full breakdown of the balance was owed.

Name and address of the original creditor. 
A copy of any signed documentation.

Evidence of your right to collect this debt in Michigan.

Any and all records relating to this account.

Please note, while this matter is under review, you must stop reporting and collection activity per the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NY

Complaint narrative:
There are errors in the personal information appearing on my credit report. I respectfully ask that you investigate and update these details within 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Unauthorized/Inaccurate Inquiries To Whom It May Concern, I am writing to formally dispute several inquiries listed on my Experian credit report. Upon reviewing my credit file, I noticed that certain inquiries were made without my authorization or knowledge. I request that these inquiries be investigated and removed as appropriate under the Fair Credit Reporting Act ( FCRA ). 
The following inquiries are in question : XXXX XXXX - Inquiry date XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX  - Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX  - Inquiry date XX/XX/XXXX XXXX  - Inquiry date XX/XX/XXXX XXXXXXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX  - Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX  - Inquiry date XX/XX/XXXXXXXX XXXX  - Inquiry date XX/XX/XXXX These hard inquiries were not initiated or approved by me. According to FCRA guidelines, only authorized inquiries related to a permissible purpose ( such as a credit application I submitted ) may appear on my credit report. If these inquiries were made without my consent, they constitute a violation of my consumer rights.

I request that Experian : Investigate the above-listed inquiries.

Remove any inquiry that can not be verified as authorized by me.

Provide a written confirmation of the results of your investigation. 
Enclosed are copies of my government-issued ID and proof of address to assist with your investigation. 
Thank you for your prompt attention to this matter. Please confirm receipt of this letter and keep me updated throughout your investigation process. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 


XXXX  # XXXX XX/XX/year> -- {$10000.00}

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 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is reporting a collection account on my credit reports for an alleged debt from XXXX XXXX XXXX XXXX This debt was placed into collections without XXXX XXXX XXXX XXXX  ever contacting me directly to ask why payments had stopped or to offer help. During this time, I was under medical care and dealing with severe physical and emotional stress. 

Instead of following proper procedures or giving me an opportunity to explain my situation, XXXX XXXX XXXX XXXX passed my personal and financial information to Midland Credit without my knowledge or consent. I never signed any agreement allowing my private data to be shared with third parties. This is a clear violation of the Gramm Leach Bliley Act 15 USC section 6801 which protects nonpublic personal information.

Midland Credit began calling and sending me letters that threatened legal action, including language suggesting I would be sued if I did not respond or pay immediately. These threats caused serious emotional distress and fear, especially while I was already in a vulnerable state due to my medical condition. Under the Fair Debt Collection Practices Act FDCPA 15 USC section 1692d and 1692e, debt collectors are prohibited from using harassment or making false or misleading threats, including threats of legal action that are not actually intended or authorized.

They never validated the debt before trying to collect and failed to provide accurate documentation or a chance for me to dispute the debt. I have since prepared and sent a cease and desist letter instructing Midland Credit to stop all contact with me immediately in accordance with FDCPA section 805 subsection c.

Their collection activity has caused emotional harm, worsened my health, and damaged my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/XXXX there were 3 transactions for a restaurant in XXXX. The amount charged was supposed to be in the XXXX currency. However, the restaurant charge the transaction in US dollars over charging me by XXXX USD. The original transaction transaction were XXXX, XXXX and XXXX in USD and should have been in XXXX ( XXXX currency ). I used my credit card to purchase water and tea and the total was XXXX XXXX. The restaurant ran the transaction charging me in dollars and also running 2 additional transactions. I submitted the dispute and the bank reverse the dispute and did not provide me with any information as to why.

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 monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX is reporting a collection account for a Synchrony Bank Walmart Consumer credit card on my credit reports. This debt was sold or transferred without my knowledge or consent, and I was never contacted by Synchrony Bank to discuss my financial situation before they forwarded my personal information to a third party. 

At the time this account was sent to collections, I was under active medical care and going through extreme physical and emotional stress. I was not in a position to manage every financial obligation and would have appreciated the opportunity to speak with someone before the matter escalated. Instead, my private financial information was handed over to XXXX XXXX without my authorization. This is a direct violation of the Gramm Leach Bliley Act 15 USC section 6801 which prohibits financial institutions from sharing nonpublic personal information without consent. 

XXXX XXXX then began sending intimidating collection letters and making phone calls that included threats of legal action. These communications were overwhelming and caused serious emotional distress while I was already struggling with health issues. I was never given proper validation of the debt as required under the Fair Debt Collection Practices Act FDCPA section 1692g. Their tactics also violate FDCPA sections 1692d and 1692e which prohibit harassment and the use of false or misleading threats. 

I have now sent a cease and desist letter to XXXX Funding in accordance with FDCPA section 805 subsection c requesting that all communication and collection activity stop 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 2025-07-15 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: MI

Complaint narrative:
I am filing a formal complaint regarding numerous inaccuracies on my credit report which are severely impacting my creditworthiness. These include an inaccurate address, multiple accounts showing erroneous late payments, one collection not belonging to me, and unauthorized hard inquiries. I have attempted to resolve these issues directly with the credit reporting agency, but they failed to properly reinvestigate. I request that the Consumer Financial Protection Bureau intervene and ensure these errors are removed under applicable laws. 
XXXX XXXX XXXX XXXX, CA XXXX Address Law : FCRA Section 609 ( c ), 611 ( a ), and 602 Issue : Duplicate or misformatted version of another incorrect address Story : This address is either a duplication or variation of an already disputed address, and was never mine ; its presence leads to misleading records and false associations XXXX XXXX XXXX XXXX, CA XXXX Address Law : FCRA Section 609 ( a ), Section 602 ( b ), Section 611 Issue : This location is unfamiliar and unrelated to my residence history Story : I request a thorough reinvestigation of this address, as Ive never lived there nor had any connection to financial activities tied to this location STATE OF MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$63000.00} Chargeoff Law : FCRA Section 609 ( a ) ( 1 ), Section 611 ( a ), and FDCPA 807 ( 8 ) Issue : This account is outdated, possibly misattributed, and reported with insufficient verification Story : I dispute this account because the charge-off listed is not mine or is being reported inaccurately ; I have no contract or agreement tied to this alleged debt and no recollection of any such balance, and I demand validation and documentation showing it belongs to me under my full legal name and Social Security number I request immediate investigation into all the items listed above. Please ensure the credit bureaus comply with all applicable provisions under the Fair Credit Reporting Act and remove any and all inaccurate, unverified, or unauthorized items. I am attaching my ID and proof of address with this complaint for verification.

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