vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
Incorrect information on credit report Collection account reported inaccurately.

This account is reported as a collection without proper documentation. The reporting is inaccurate, incomplete, and unverifiable.

Legal Violations : 15 U.S.C. 1681e ( b ) : Credit bureaus must ensure maximum accuracy ; reporting unverifiable information violates this requirement.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not knowingly report inaccurate information.

15 U.S.C. 1681s-2 ( b ) : Once disputed, the furnisher must conduct a reasonable investigation and remove unverifiable accounts.

15 U.S.C. 1692j : Collection activity without proof of ownership, signed agreement, and itemized billing is unlawful.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was served papers at my previous home address a few years ago. I accepted papers and called phone numbers on provided documents to get more information on the papers served. I spoke with someone that stated I needed to pay full amount or set up payment plan and if I didnt I could serve jail time. He stated that if I felt like the debt wasnt mine then file a police report. Also stated that if I took this matter to court and they found me at fault for whatever reason, that I would serve jail time. I was pressured into setting up monthly payments, which I had started for about XXXX or XXXX months. I spoke with a few people they stated to not make anymore payments if I felt the debt wasnt mine and to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management Unverified Collection Reporting I dispute the Midland collection account. Midland has failed to provide proof of ownership or original creditor documentation, violating FCRA 623 ( a ) ( 3 ). Per 611 ( a ) and 1681i ( a ) ( 5 ) ( A ), unverifiable collections must be deleted from Equifax, Experian, and TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute XXXX or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-09-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing the inaccurately reported late payment on my credit report. My records confirm a consistent pattern of on-time payments, and this negative entry is clearly an error. Its presence unfairly harms my financial standing and misrepresents my payment behavior.

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 2025-09-16 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: TX

Complaint narrative:
I have been requesting information from XXXX XXXX XXXX in regards to an old account that is closed, that they partially charged-off but still continue to add fees to the balance. The only way I know about these new fees is when I check my credit report, I see the balance amount goes up. I do not receive any notification from the actually company about the fees. My recent credit report check was XX/XX/year>. As you will see, the account is mark as a charge off every month.

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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Heres a sample statement you could submit to the Consumer Financial Protection Bureau ( CFPB ) regarding your concerns with Santander Bank 's reporting of your account. Make sure to customize the details as necessary to reflect your specific situation accurately. 

-- - Consumer Financial Protection Bureau [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Email Address ] [ Your Phone Number ] Date : [ Insert Date ] Subject : Statement Regarding False Reporting by Santander Bank Dear CFPB, I am writing to formally report an issue I have experienced with Santander Bank regarding the reporting of my account, specifically concerning the accuracy of the information being submitted to TransUnion credit reporting agency. My account with Santander Bank was charged off, and there should have been no further payment activity reported. However, it has come to my attention that Santander Bank is erroneously reporting this account as open with a history of missed payments, including a statement that I have missed XXXX payments since XX/XX/year> This inaccurate reporting has adversely affected my credit score and overall creditworthiness. 

As of XX/XX/year>, there should be no payment history for this account displayed on my consumer report, as the account should reflect its status accurately as charged off. The inaccurate information compromises my ability to obtain credit and negatively impacts my financial opportunities.

I have disputed this information with Santander Bank directly but have not received a satisfactory resolution. Therefore, I am reaching out to the CFPB for assistance in rectifying this issue. I kindly request that you investigate this matter and take appropriate action to ensure that Santander Bank corrects the inaccurate reporting on my account.

Please let me know if further information or documentation is needed to assist in this investigation. I appreciate your attention to this matter and look forward to your prompt response.

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I am formally disputing the Santander Consumer USA account # XXXX. This account is being reported with conflicting balances and inconsistent delinquency dates across credit bureaus, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) requiring maximum possible accuracy.

In accordance with FCRA 611 ( a ), I am requesting that you provide signed contracts and complete payment records to validate the accuracy of this account. If such documentation can not be produced, the account must be deleted from my credit reports. 

Please investigate this matter promptly and provide me with the results of your findings in writing. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB MANAGMENT SERVICES Last reported XX/XX/XXXX {$8700.00} Open balance Opened XX/XX/XXXX After reviewing my credit report I found this item and are unaware of this debt or the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
b'Destin Jackson\n477 Lindbergh Pl NE ,Apt 111\nAtlanta GA 30324\nDate of Birth 05/03/1999\nLast 4 SSN XXX-XX-8485\n09/02/2025\nDate: To: MEDICAL DATA SYSTEMS\n2001 9th Ave, Suite 312, Vero Beach, FL 32960-6413\nSubject: Request for Debt Validation under 15 U.S.C.  1692g(b)\nDear MEDICAL DATA SYSTEMS\nI am writing in response to a [letter/phone call] received from your office\nregarding an alleged debt you claim I owe. This letter is being sent pursuant to\nmy rights under the Fair Debt Collection Practices Act (FDCPA), specifically 15\nU.S.C.  1692g.\nAccount # 20003414354\nPlease note that I am not acknowledging or accepting any liability for this debt. I\nam requesting that you provide the following documentation to validate the debt\nyou claim:\n1. 2. 3. 4. 5. The name and address of the original creditor\nA full itemization of the alleged debt, including interest, fees,\npayments, and principal balance\nA copy of the original signed contract or promissory note bearing my\nsignature\nProof that you are legally authorized to collect this debt in my state\nProof of the chain of assignment or ownership if the debt was\npurchased or transferred\nyou must cease all collection activity,\nUntil you provide all of the above, including reporting to credit bureaus. Reporting unverified debt violates the Fair\nCredit Reporting Act (15 U.S.C.  1681s-2).\nBe advised: failure to properly validate this debt or continued reporting/collection\nactivity may result in legal action and a formal complaint filed with the Consumer\nFinancial Protection Bureau (CFPB), the FTC, and my state attorney general.\nPlease respond within 30 days of receipt of this letter.\nSincerely,\nDestin Jackson'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
Someone stole my identity & stole trillions ima decillionaire

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX, that are inaccurate and not properly verified. I have disputed this with the credit bureaus, but the late payments remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-16 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: SC

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

1681c2 ) that you, the Equifax credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB Complaint Letter Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX  XXXX Subject : Complaint Against XXXX XXXX, and XXXX for Reporting Paid and Obsolete First XXXXXXXX XXXX Accounts What Happened I am filing this complaint because XXXX XXXX and XXXX continue to report XXXX XXXX XXXX Bank accounts that are : More than XXXX XXXX XXXX ( opened in XXXX and XXXX ). 

Paid in full to {$0.00} balances. 

Despite being paid to {$0.00}, these accounts are still reporting with balances and derogatory charge-off statuses. This is factually inaccurate reporting and violates the Fair Credit Reporting Act ( FCRA ). 

Additionally, all three bureaus have failed to list the Date of First Delinquency ( DOFD ), which is required to determine the XXXX reporting period. 

Violations of Law FCRA 605 ( a ) ( 4 ) [ 15 U.S.C. 1681c ( a ) ( 4 ) ] Negative accounts can not be reported more than XXXX  years from XXXX. Both accounts exceed this timeframe. 

FCRA 623 ( a ) ( 5 ) ( A ) Furnishers must report the DOFD on charged-off accounts. XXXX XXXX did not provide this. 

FCRA 607 ( b ) Bureaus must ensure maximum possible accuracy. Reporting balances on accounts already paid to {$0.00} violates this duty.

FCRA 611 ( a ) ( 1 ) ( A ) Bureaus must conduct a reasonable reinvestigation. These accounts were verified without proof.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) After reinvestigation, bureaus must disclose their verification method. This was not provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NC

Complaint narrative:
I am disputing the fraudulent accounts that have been reported under my name. I did not authorize these accounts, nor have I ever had any connection to them. Their presence is entirely inaccurate and misrepresents my financial history, causing unjustified harm to my credit standing and credibility.

Company response to consumer: Closed with explanation