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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00}

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00}

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 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely 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 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I had acquired alone was paying it like I supposed to I got sick with XXXX was out of work for XXXX XXXX had the insurance attached to the loan so if anything happened to me because of where I work at that it was going to be covered until I was able to work again and start paying someone at the company ring my account that month XXXX times which made me have overdrafts on my rent and other bills they did not honor my insurance on the account when I went to get a buyout they did not want to offer me one they used to call me everyday send me emails and letters until I blocked them it is past the XXXX date and they keep updating the account with different account numbers dates and amounts and last payments XXXX XXXX  is the company I'm dealing with and having this problem.

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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the Experian XXXX XXXX, 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 XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$180.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00}

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute of a late payment reporting on my credit file. I have reviewed my payment history and have found no record to support that the payment was late.

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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to dispute several serious inaccuracies appearing on my credit report regarding an account listed under the name XXXX XXXX XXXX. Upon a careful review of the information you have reported, I have identified multiple inconsistencies, reporting conflicts, and incorrect data entries that warrant immediate investigation, correction, or complete deletion from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
Organization : XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Misleading practices as to recurrent billing : No mention was made as to recurrent billing ( purchase was presented as a one-time order ). 
I paid for all goods and supplies received, and requested a stop to shipping XX/XX/year> Requested bill stoppage XX/XX/year> No goods were sent as of XX/XX/year> New bills continued to be sent in XXXX, XXXX ( with no equipment sent XXXX Bill sent out to collection through despite verbal commitment from XXXX XXXX this was an administration error and assurances were made to communicate this in writing. 
No confirmation of cancellation was provided in writing. 
Bill sent for collection XX/XX/year> collection notice received XX/XX/year> : Hello <Name>, This is a communication from a debt collector. Nationwide Credit & Collection , Inc. a debt collector has been assigned your XXXX XXXX XXXX XXXX account, ending in XXXX for collection. This is an attempt to collect a debt. Any information obtained will be used for that purpose. To view your account visit <DebtLink> If you have any questions and would like to speak to a representative please call ( XXXX ) XXXX. Reply STOP to opt out or call ( XXXX ) XXXX. Msg & Data Rates May Apply.

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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am disputing the reporting of a repossession by XXXX XXXX XXXX. I requested full validation of the alleged debt, including the signed contract, notice of default, right to cure, sale documents, and deficiency balance breakdown. To date, I have not received proper validation. 

They are reporting a charge-off and balance of {$7400.00} as of XX/XX/XXXX, but the last payment was in XXXX. This violates the Fair Credit Reporting Act ( 15 USC 1681i and 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 USC 1692g ). Unverified and outdated information must be corrected or removed. 

I am asking for this account to be deleted from my credit report until properly validated. 
Specifically, I am requesting : XXXX. Full validation of the debt, including the original signed agreement and complete payment history. 
XXXX. Proof of lawful repossession procedures, including the Notice of Default, Right to Cure, and Notice of Sale. 
XXXX. Evidence of sale proceeds, including the final Bill of Sale, and details of how those proceeds were applied to the balance. 
XXXX. A breakdown of the deficiency balance, showing how the remaining balance was calculated. 
XXXX. A copy of the Notice of Deficiency, per UCC 9-611 and state repossession laws, including proper notice of intent to collect the deficiency. 

Failure to furnish these documents renders this tradeline inaccurate and incomplete, and therefore a violation of : 15 U.S. Code 1681s-2 ( a ) Duty to ensure accuracy when reporting to consumer reporting agencies 15 U.S. Code 1681i ( a ) Requirement to reinvestigate and delete unverifiable information 15 U.S. Code 1692g ( b ) Failure to validate a disputed debt is a violation of the FDCPA FTC vs. XXXX XXXX. , which affirms that unverifiable or incomplete reporting must be removed Until you can provide documented, verifiable evidence that this debt is accurate and legally enforceable, I am requesting that this account be deleted from all credit reporting agencies 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 2025-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE AUTO FINANCE Account number XXXX I have never had an account with this company, I have never signed anything with this company.

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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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: LA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted. 

- A copy of my Identity Theft Report and proof of my identity. 

- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely,

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX  XXXX, XXXX  XXXX Subject : Credit Report Dispute Request for Investigation To Whom It May Concern : I am writing to formally dispute the following information that appears on my credit report. This information is inaccurate and/or incomplete, and I request that it be investigated and removed or corrected as soon as possible under the Fair Credit Reporting Act ( FCRA ). 

The item I am disputing is : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason : This account does not belong to me. 
I am requesting that the item be removed or corrected to reflect accurate information. I have included copies of supporting documentation to assist with your investigation ( such as payment records, account statements, letters from the creditor, etc. ). 

Please conduct a reinvestigation of this matter and remove or update the inaccurate information as required by the FCRA. I also request that you send me written confirmation of the results of your investigation and a copy of my updated credit report.

Company response to consumer: Closed with explanation
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX ) I needed to order XXXX XXXX XXXX XXXX, and XXXX search brought up XXXX XXXX XXXXXXXX as official manufacturer website. 

XXXX ) I placed order, the order was delivered, BUT it was not shipped correctly. XXXX XXXX XXXX  product is temperature sensitive. 

XXXX ) When clicked on email link in confirmation order, I noticed that the store doesn't exist XXXX XXXX XXXX  XXXX ) I thought it was just a glitch, and searched for the store online again, and I found https : XXXX the real one! 

XXXX ) I emailed the real store, and they told me that " Unfortunately, there are copycat websites impersonating our brand by using our imagery and branding without permission. These sites are not affiliated with us and may be selling non-authentic products. We take this very seriouslyyour trust means everything to us, and were actively working to protect our customers and our brand from these bad actors. We take these matters very seriously to ensure our customers receive genuine products After our initial investigation, we've confirmed that your order was not purchased through our official site, XXXX. Your XXXX XXXX XXXX order was indeed been mishandled by these impersonators, as our standard shipment of XXXX XXXX XXXX products would contain ice packs and insulating materials XXXX ) So they confirmed that my order was NOT with them, even through first website looked exactly like them. 

XXXX ) I submitted dispute with the bank, and the bank did not investigate issue properly and resolved my dispute in favor of the scam website.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX account XXXX, XXXXresurgent/ LVNV funding. To whom it may concern : this letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. By provisions of 15 US section1681i of the fair credit reporting act, these items need to be investigated. Please provide me with proof of these items, Specifically the contract bearing my signature .Failing that, please update the record to show as Paid in Full/As Agreed or Remove this from my credit as soon as possible. this is a very serious matte affecting my everyday life. The out lined item as a very serious error in reporting. please update this information. This account is listed as charged off account on my credit report but i have never received a 1099c for this charged off/ closed debit. can you please provide me with a 1099c to accurately reflect this charge off for tax purposes and please update my credit report and delete immediately. Pursuant to 15 US section 1681i { 6 } { a } of the fair credit reporting act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be providedwithinXXXX days of completion of your investigation

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: IL

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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: IL

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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: TX

Complaint narrative:
These accounts on my consumer report are fraudulent and do not belong to me. 

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 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 non-monetary relief