vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am submitting this formal complaint against XXXX and Midland Credit Management , Inc. for their continued efforts to collect and report a fraudulent debt that I do not owe. Their actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and federal privacy protections under the Gramm-Leach-Bliley Act ( GLBA ). This alleged debt is the result of identity theft, and I have made that explicitly clear to both parties. On XX/XX/year>, I submitted an official Identity Theft Report to the Federal Trade Commission ( FTC ) and provided it to XXXX and Midland Credit Management XXXX Inc. as required under 15 U.S.C. 1681g and 1681s-2 of the FCRA. Despite receiving this documentation, they have knowingly continued to attempt collection on a fraudulent debt, in willful disregard of my rights under federal law. To date, neither XXXX nor Midland has provided any verification under oath and penalty of perjury proving that I owe this debt. They have failed to produce a signed contract, account records, or any legitimate evidence of a valid obligation. Instead, they are relying on the unauthorized use of my personal identifying information, including my name and Social Security number, to pursue a fabricated claim. Their conduct is not only unlawful but also clearly designed to extort and abuse. Continuing to demand payment on a debt that they know is fraudulent, after receiving an official identity theft report, shows malicious intent and a blatant disregard for federal protections meant to safeguard consumers from exactly this kind of abuse. To make matters worse, Midland Credit Management , Inc. and XXXX have continued to furnish this false debt to the credit reporting agencies, despite knowing it is fraudulent and in dispute. This is a clear violation of the FCRA, which requires the reporting of accurate and verified information only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: SC

Complaint narrative:
I discovered several accounts on my credit report that are inaccurate, unauthorized, or reported with incorrect information. On XX/XX/XXXX, I reviewed my Experian credit report and noticed the following : XXXX XXXX XXXX is reporting a charged-off auto loan with a balance of {$19000.00}, opened in XX/XX/XXXX. I do not recall authorizing this account and believe it was either opened fraudulently or reported in error. 

XXXX XXXX is reporting a collection account for {$1400.00}, opened in XX/XX/XXXX. I never opened this account and did not receive services from XXXX under these terms. 

XXXX XXXX XXXX XXXX is reporting XXXX charged-off accounts. XXXX was opened in XX/XX/XXXX with a balance of {$420.00}, and the other in XX/XX/XXXX for {$100.00}. Both accounts appear to be inaccurately attributed to me. 

Another account from XXXX XXXX XXXX XXXX shows a XXXX late payment in XX/XX/XXXX, but I believe all payments were made on time and request a correction. 

XXXXXXXX XXXX XXXX XXXX late payments on a secured loan opened in XX/XX/XXXX, which was paid off in XXXX. These late payments are inaccurate. 

I am requesting that these companies investigate these reports and either provide full verification or remove the accounts immediately if they can not be validated. I did not authorize these accounts or the reported activity, and they are negatively affecting my credit.

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 2025-08-05 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:
I discovered several accounts on my credit report that are inaccurate, unauthorized, or reported with incorrect information. On XX/XX/XXXX, I reviewed my Experian credit report and noticed the following : XXXX XXXX XXXX is reporting a charged-off auto loan with a balance of {$19000.00}, opened in XX/XX/XXXX. I do not recall authorizing this account and believe it was either opened fraudulently or reported in error. 

XXXX XXXX is reporting a collection account for {$1400.00}, opened in XX/XX/XXXX. I never opened this account and did not receive services from XXXX under these terms. 

XXXX XXXX XXXX XXXX is reporting XXXX charged-off accounts. XXXX was opened in XX/XX/XXXX with a balance of {$420.00}, and the other in XX/XX/XXXX for {$100.00}. Both accounts appear to be inaccurately attributed to me. 

Another account from XXXX XXXX XXXX XXXX shows a XXXX late payment in XX/XX/XXXX, but I believe all payments were made on time and request a correction. 

XXXXXXXX XXXX XXXX XXXX late payments on a secured loan opened in XX/XX/XXXX, which was paid off in XXXX. These late payments are inaccurate. 

I am requesting that these companies investigate these reports and either provide full verification or remove the accounts immediately if they can not be validated. I did not authorize these accounts or the reported activity, and they are negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
I am a victim of identity theft, and I have filed a report with the Federal Trade Commission ( FTC ), identified by report number XXXX. This has had a devastating impact on my life, causing me significant emotional distress and financial harm. As a resident of Florida, I have the right to an accurate credit report under the Fair Credit Reporting Act ( FCRA ). The failure to remove this inaccurate information is a violation of the law and continues to cause me harm. 

My Experian credit report contains several fraudulent items that I am now disputing : Accounts XXXX XXXX XXXX XXXX XXXX : Account number XXXX, opened on XX/XX/XXXX. 
XXXX XXXX : Account number XXXX, opened on XX/XX/XXXX. 
XXXX  : Account number XXXX, opened on XX/XX/XXXX. 
XXXXXXXX XXXX : Account number XXXX, opened on XX/XX/XXXX. 

Inquiries : XXXX XXXX : Inquiry dated XX/XX/XXXX. 
XXXX XXXX XXXX XXXX : Inquiry dated XX/XX/XXXX. 

I affirm that I did not consent to the use of my identity for these accounts or inquiries.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint because the credit reporting agencies and/or debt collectors have violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting and/or failing to delete inaccurate and unverifiable information. 

Jefferson Capital Systems/XXXX XXXX Acct # XXXX, {$390.00} ) Collection account ; no proof of assignment or validation Legal Basis : 15 USC 1681i ( a ) ( 1 ) Right to a reasonable investigation 15 USC 1681i ( a ) ( 5 ) ( B ) Duty to delete unverifiable information 15 USC 1681e ( b ) Duty to maintain maximum possible accuracy 15 USC 1681s-2 ( a ) Furnishers may not report inaccurate info

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CCM Finance LLC
State: TX

Complaint narrative:
Subject : Dispute of Repossession Reporting Dear CCM FINANCE LLC I am writing to formally dispute the reporting of a repossession on my credit report associated with my account [ XXXX ]. According to my records, this information is inaccurate and may violate the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to consumer reporting agencies be accurate and complete.

Under FCRA, I have the right to request verification of this information. The reporting of this repossession fails to meet the requirements set forth by the FCRA, as it does not accurately reflect my account status and is misleading to potential creditors. I also request that you investigate this matter in accordance with XXXX XXXX compliance guidelines, which mandate that all furnishers of information report accurate data. 
Please provide me with the following : 1. Verification of the debt, including the amount owed and the details of the repossession.

2. Any documentation showing that you have the right to report this account, including a copy of the original contract.

3. A full account history leading to the repossession.

I would like this matter resolved promptly, and I expect a response within 30 days. Failure to address this dispute will result in further action, which may include contacting the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-05 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: PA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I am a XXXX XXXX currently serving on XXXX XXXX under Title XXXX military orders, and I am writing to file a formal complaint regarding United Wholesale Mortgages ( UWM ) failure to honor my rights under the Servicemembers Civil Relief Act ( SCRA ). 

I submitted my official military orders to UWMs SCRA department through the process outlined on their website. These orders clearly establish my entitlement to SCRA mortgage protections, including the 6 % interest rate cap and other related benefits. Despite submitting complete documentation ( official military orders as is required by the law ) and following up multiple times via email over the past two months, I have received no meaningful response or action from UWM.

This prolonged delay appears to be in direct violation of SCRA provisions, and it raises serious concerns about UWMs practices and compliance with federal law. Notably, UWM has previously been the subject of SCRA-related enforcement actions and lawsuits for similar failures to process benefits in a timely manner.

I would greatly appreciate your agency assistance with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I disputed an inaccurate charge-off on my loan with Affirm. On the same day, an Affirm representative named XXXX XXXX responded, stating the company had investigated and concluded the reporting was accurate. Their investigation was unreasonable and failed to address the facts of my dispute.

The key facts are : 1 ) After a delinquency, I made four good-faith payments to cure the debt. The payments were : {$100.00} on XX/XX/year> ; {$100.00} on XX/XX/year> ; {$160.00} on XX/XX/year> ; and {$35.00} on XX/XX/year>. Affirm 's system accepted all four payments.

2 ) Affirm 's representative, in his response, completely ignored these four payments and my central claim : that Affirm 's platform is deceptively designed. It accepts payments, leading a consumer to believe they are fixing the problem, while still proceeding to a charge-off.

3 ) Because Affirm 's investigation failed to consider these crucial facts, it did not fix the error on my report. The charge-off is inaccurate and misleading because it does not reflect my significant, good-faith efforts to pay, which were induced by Affirm 's own system.

This constitutes a failure to conduct a reasonable investigation under the FCRA. I have attached the company 's inadequate response. I demand the charge-off be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: VA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and 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
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
In XX/XX/year>, I received a packet of documents from Jefferson Capital Systems attorney, XXXX XXXX. I believe this was part of their obligation to submit documentation in lieu of a live witness under VA Code 8.01-390.3.

However, the packet included legal documents from a completely unrelated consumers court case including a dismissal order and a confidentiality clause prohibiting disclosure for five years. I am not connected to that case, and it should never have been sent to me. 

When I raised the issue, XXXX XXXX responded dismissively, stating the materials were public record. He did not acknowledge the clear confidentiality clause, nor did he offer any clarification or reassurance about how this mistake happened or how future document handling would be corrected. 

As a result, I am now seriously concerned about Jefferson Capitals ability to maintain accurate and secure legal documentation including in my own case. If their counsel can not distinguish which documents belong to which consumers, I have no reason to trust the accuracy or reliability of the evidence theyre submitting.

Company response to consumer: Closed with explanation