vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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:
Dear TransUnion 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 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 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 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ZWICKER & ASSOCIATES
State: FL

Complaint narrative:
I am disputing a debt claimed by XXXX XXXX, being collected by Zwicker & Associates P.C., with a court hearing scheduled for XX/XX/year>, XXXX Florida at XXXX XXXX XXXX XXXX XXXX house. I do not live in Florida, and the summons was delivered to my aunt, who can not read, write, or speaker Understand English. This is invalid service, and the court does not have jurisdiction over me. 

Key issues : Debt Validation : XXXX has admitted no signed agreement exists ; the account was opened online. I requested a signed contract, complete payment history, and verification of the balance. Attempting to collect this unverified debt violates FDCPA 807, 809 ( b ) and Florida FDUTPA 501.201.

Improper Service & Jurisdiction : The summons was delivered to someone other than me, who can not understand it, and I do not reside in Florida. Under Florida Rules 1.070, this service is invalid and the lawsuit can not proceed. 

Credit Reporting Violations : XXXX has reported conflicting balances and dates across credit bureaus, impossible delinquencies, and inconsistent payment histories without proper notice. This violates FCRA 607, 611, 623.

Law Firm Misconduct : Zwicker & Associates attempted to collect without validation, misrepresented their authority, hung up on calls, and accepted improper service. 

I have attached all correspondence and supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian 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 : DEPTEDXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXX 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 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 2025-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Village Capital & Investment LLC
State: ID

Complaint narrative:
I inquired about steps needed to remove the PMI from my mortgage with my loan servicer, Village Capital. I received misleading information from customer service ( XXXX XXXX and her supervisor ( unnamed ). I wanted to get the steps needed to qualify to remove the PMI, and I keep getting information about a certain future date ( XXXX ), and a certain balance in order to qualify, without getting any information on XXXX amounts. Despite trying to educate XXXX about XXXX, she kept telling me about a " chart '' that she was looking at, and completely disregarded the XXXX rule. And I, after pressing the issue, finally was offered to be transferred to a loan officer. I spent an inordinate amount of time with XXXX being placed on hold, and getting inaccurate information, and was inconvenienced further by needing to speak with a loan officer. I was at least able to get some helpful information about who I need to speak with to remove my PMI. Can't help but think that people have been discouraged about removing PMI after getting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NJ

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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit report contains multiple inaccuracies, including an incorrect address, name, and date of birth, as well as inaccurate inquiries that should be removed. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and credit bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

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 2025-10-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: CT

Complaint narrative:
MRS BPO , LLC sent a text message to my father stating that I owe a debt. This is a violation of my privacy under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( b ) ), which prohibits debt collectors from disclosing debt information to third parties. 

Immediately after receiving the text, I contacted MRS BPO to request that the number be removed from their records. A representative confirmed that the number would be removed ; however, the text had already been sent, constituting an unauthorized disclosure of my personal information. This breach caused unnecessary stress and concern. 

I am requesting that the CFPB investigate this violation and ensure that MRS BPO : 1. Permanently removes the unauthorized contact information from its records ; 2. Ceases all third-party communications ; and 3. Removes the debt from their records and from any credit reporting agencies, as the privacy breach has compromised the legitimacy and confidentiality of my account information.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
I am filing this complaint because there are collection accounts being reported on my credit report that are inaccurate and/or do not belong to me. The accounts are XXXX XXXX XXXX - ( {$11000.00} ) ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX XXXX XXXX {$10000.00} ) ( XX/XX/XXXX ), XXXX XXXX XXXX - XXXX {$7400.00} ) ( XX/XX/XXXX ), XXXX XXXX XXXX  - ( {$6400.00} XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX - ( {$430.00} ) XXXX XX/XX/XXXX XXXX, and XXXX XXXX - ( XX/XX/XXXX ). These accounts are negatively impacting my credit profile and have not been properly verified by the reporting collection agencies or the credit bureaus. I have previously attempted to dispute these collection accounts and requested validation, but the companies have failed to provide sufficient documentation proving that the debts are valid or that I am legally responsible for them. Despite my requests, these accounts continue to be reported, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB assist in investigating these matters and ensure that the companies involved either provide full validation of the alleged debts or remove the accounts from my credit report entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I submitted a timely Validation of Debt request to MIDLAND CREDIT MANAGEMENT INC regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX for the alleged balance of {$2500.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, MIDLAND CREDIT MANAGEMENT INC failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

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 INQUIRIES : XXXX - XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: TX

Complaint narrative:
I am disputing the account reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX for {$540.00}. 
This collection is inaccurate. The amount reported refers to an auto insurance policy that was fully paid through its expiration date in XXXX. The policy was clearly labeled as non-renewable, and I did not authorize or agree to any renewal. 
The insurance company stopped billing me after the policy expired, which confirms there was no outstanding balance. 
Therefore, this debt is invalid, and I request that Experian remove this collection account from my credit report under the Fair Credit Reporting Act ( FCRA ). 
Please contact the original creditor for verification and provide written proof if any balance truly exists. Otherwise, delete this item 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 2025-10-23 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:
Dear TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reporting a fraudulent XXXX XXXX account opened using only my middle and last name ( not my legal name ), without my consent or knowledge a violation of the Fair Credit Reporting Act ( FCRA ) 1681b and 1681s-2 ( a ).

I suspect this originated from the Equifax data breach, which compromised my personal information. I did not authorize this account under FCRA 1681b ( a ) ( 2 ), and I never signed any agreement permitting this reporting. 

Despite filing a dispute with XXXX, they verified the account without providing any documentation proving authorization or identity match, which violates FCRA 1681i ( a ) ( reasonable reinvestigation ) and FACTA 112, which requires prompt handling of identity theft claims.

Per FCRA 1681c-2, I am demanding this fraudulent account be blocked and deleted. I am attaching evidence including screenshots showing it is not in my full legal name and that it was charged off despite no authorization. 

Additionally, XXXX XXXX XXXX has failed to comply with identity verification standards under the Gramm-Leach-Bliley Act ( GLBA ). This lack of due diligence has harmed my credit and violated my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Williams & Fudge, Inc
State: TN

Complaint narrative:
XX/XX/XXXX XXXX : Debt collector called job spoke to a patient service rep asking to speak with me. Was told I am unable to take personal calls at work. No direct line and patients call number they called. 
XX/XX/XXXX XXXX : Received call on personal number from debt collector while again at work. 
XX/XX/XXXX XXXX : Received personal call again while at work. 
XX/XX/XXXX XXXX : Debt collector reached out to patient service rep at job asking to speak again. Was on call with patient. Again told unable to take calls while at work. 
XX/XX/XXXX XXXX : Requested family member reach out to number to again request not calling while at work. No information was given to family member who had all information that would be needed to verify identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and Metro 2 compliance audit request for the account being reported under XXXX XXXX XXXX XXXX, account number ending in XXXX, on my consumer credit reports. After reviewing my credit file, I have found numerous inaccuracies, inconsistencies, and violations of both Metro 2 reporting standards and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This account is in dispute and requires immediate investigation and correction or deletion as required by federal law. Metro 2 Compliance Violations Identified : Conflicting Remarks Across Same Account One report shows Dispute Resolved Subscriber Disagrees. Another report shows Consumer Disputes Reinvestigation in Progress. A third shows This Is An Account In Good Standing. Under Metro 2 guidelines, only one accurate and current compliance code may be present. These contradictions violate Field 112 ( Compliance Condition Code ) integrity rules. Late Payment Inconsistencies One report shows 130-day late ; another also shows 160-day late, yet this is not reflected uniformly across all three versions. The FCRA prohibits furnishing inconsistent or unverifiable payment histories ( FCRA 1681s-2 ( b ) ). Incomplete and Missing Payment History Several months show N/A ( No Data Available ) in the payment history timeline. This violates Metro 2 Field 28 ( Payment History Profile ) which requires a complete 24-month cycle or explicit explanation for missing data. Inaccurate Performance Percentage One section claims 98 % on-time, another 96 %, without reconciling the actual number of lates over 48, 55, and 57 reviewed months. This contradicts FCRA 1681e ( b ) which mandates maximum possible accuracy. Duplicate/Triplicate Reporting The same account is reported three times under nearly identical parameters but with varying data fields ( month reviewed, remarks, compliance codes ). This is a clear case of duplicate tradeline reporting, which artificially suppresses credit scores and violates FCRA 1681i and Metro 2 duplicate file prevention standards. FCRA Violations : 1681s-2 ( b ) : Failure to report accurate and complete information. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy. 1681i ( a ) ( 5 ) : Failure to promptly delete unverifiable or inconsistent data. 1681c-2 : If the information is disputed and can not be verified, it must be suppressed or deleted. I have also added my bank statement were payment was deducted they deducted the payment late not a error on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MORGAN STANLEY & CO. LLC
State: DE

Complaint narrative:
I have a savings account with E * Trade. on XX/XX/year> I attempted to send a wire for {$10000.00} to a XXXX XXXX account through XXXX XXXX XXXX. The wire did not make it to my XXXX XXXX account and on XX/XX/year> I ask E * Trade to recall the wire. This was unsuccessful and after a week they tried again. This also was unsuccessful. I escalated it to senior customer service and they tried again. Also unsuccessful. XXXX XXXX will only communicate with e-trade and only through formal systems. 

Then tried to go back through XXXX but again XXXX XXXX refused to talk to them and said only the sending bank will respond. 

No one can tell me where the funds are or find a way to get them back to my eTrade account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
The following dispute sent to Bounce AI which I think is a collection was ignored : I did not make payments to XXXX  for XXXX treatment at XXXX XXXX because I know I was scammed. I went to your XXXX  XXXX location at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX on XX/XX/year>. I asked for consultation regarding XXXX pain and to learn about their XXXX  XXXX XXXX I was seeking relief from XXXX XXXX 

My experience there took place in approximately XXXX hours where I was coerced by a very aggressive employee into signing something I did not understand. I received a very XXXX XXXX XXXX XXXX XXXX XXXX before I left the office. They said I would see immediate improvement which was a lie. I discovered that they are frauds before I left their office on XX/XX/XXXX. Because I discovered the scam, I tried to cancel future treatments early on the next day, XX/XX/XXXX. I would have negotiated for XXXX treatment to be rid of these frauds. However, they are greedy, {$3200.00} for XXXX treatment that they know is not medically sound is unacceptable since XXXX treatments cost XXXX. They should be held accountable for taking advantage of and scamming a helpless XXXX. 

I received the appropriate medical care for my condition in XX/XX/year> where I had XXXX XXXX XXXX done by a reputable doctor. 

Ive filed disputes regarding this incident with XXXX, the Attorney Generals Office, and the credit bureaus.

Company response to consumer: Closed with explanation