vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
To Whom It May Concern, XX/XX/2023 I am submitting this complaint to dispute a debt being reported to me by XXXX XXXX XXXX, as shown on my credit report. I believe this debt is not mine, and I am requesting a full investigation by the Consumer Financial Protection Bureau due to the following issues : XXXX. The amounts and information reported are inaccurate, and do not correspond with any financial obligations I have incurred. 
XXXX. I am requesting : Full validation of the alleged debt, including a breakdown of the total amount, the original creditor, and itemized charges. 
A copy of the purchase agreement or assignment of the debt, proving the collectors legal authority to collect. 
Securitization information, including the identity of the original creditor and the full chain of title for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: NV

Complaint narrative:
On XX/XX/year> I received an alert from XXXX XXXX. 
I noticed that there was a collection amount due of {$1800.00} from a company called XXXX, XXXX out of XXXX, NV. 
No details about what the {$1800.00} was for. 
Read reviews about this company and nothing good about them. 
Most of reviews were bad, same thing I had experienced. 
No phone call, USPS mail, or email about what the collection debt. was about, the amount and who the company was seeking the debt. 
I never had a chance to negotiate the debt or had a chance to appeal if needed. 
What can I do about this sneaky and shady debt collector company PlusFour , Inc. 
Please help me.. I take a lot of pride in keeping my credit in good standing.

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
under the FCRA 15 U.S.C. 1681. maintaining accurate and up to date information is required.

please remove and block these wrong names and addresses from my credit report immediately. 


TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 2025-05-11 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am disputing a debt listed by Credit Collection Services on my credit report. The account was opened on XX/XX/year>, with an open balance of {$370.00}. I disputed the account more than 30 days ago, and under the Fair Credit Reporting Act ( FCRA ), the furnisher is required to verify the accuracy of the information within 30 days. 

As of today, there has been no proper validation or update. The account is still marked as open and placed for collection, which is negatively impacting my credit. Since the information has not been verified in a timely manner, I am requesting that this account be removed from all of my credit reports immediately. 

I have attached a screenshot showing the disputed status and the dates for your review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-05-11 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: AL

Complaint narrative:
Sent letters to midland in XXXX of 2025 30 days later followed up with another letter. After no response I called several times speaking with several different reps letting them know I was recording the calls each time. Each rep gave me a social sec number and date of birth that was not mine. How can this be my account? They also did not have the correct spelling of my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year> Cash app took my money from me {$1300.00} bucks. They are unable to investigate this correctly. They gave me XXXX business days and still denied. I never gotten proof of investigation. Why was it denied? Was my question they hung up on me over the phone. I went through the chat messages for support online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am including my federal student loans in this complaint due to misreporting and potential violations of the Fair Credit Reporting Act ( FCRA ). Despite the national pause on federal student loan payments ( as part of COVID-19 relief and subsequent extensions ), some servicers have continued to report my student loan accounts as past due, delinquent, or with late payments.This reporting is inaccurate and misleading. During the federally mandated forbearance and pause periods, these accounts should not reflect any missed payments or negative activity. Any adverse reporting during that time is not only incorrect, but also in violation of federal guidance and the XXXX Act protections. 

I have attempted to dispute this with the credit bureaus and my loan servicer but have not received a resolution or proper correction. I am requesting the CFPB to investigate the servicers failure to accurately report the account status and to help ensure this information is corrected or removed from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PREVIOUS CFPB COMPLAINT # XXXX XXXX XXXX This complaint serves as a FCRA VIOLATION NOTICE & Formal rebuttal to your inadequate response dated XXXX2025 regarding my dispute of fraudulent accounts resulting from identity theft. Your refusal to remove these accountsdespite receiving my FTC Identity Theft Report and police report numberconstitutes willful violations of the Fair Credit Reporting Act ( FCRA ) and demands immediate corrective action.

* * Transunion 's Violations of Federal Law * * Your failure to block fraudulent information violates the following MANDATORY FCRA provisions : - * * 605B Blocking Information Resulting from Identity Theft * * - Once a consumer submits an Identity Theft Report ( FTC Identity Theft Report ), you are legally REQUIRED to block the fraudulent accounts within 4 BUSINESS DAYS and notify the furnisher. Your inaction is a DIRECT VIOLATION.

- * * 1681e ( b ) Failure to Maintain Reasonable Procedures to Ensure Accuracy - By accepting unverified confirmation from furnishers without investigating my identity theft claim, you failed your duty to ensure MAXIMUM POSSIBLE ACCURACY.

- * * 623 ( a ) ( 6 ) ( B ) Failure to Notify Furnisher of Identity Theft - You did NOT inform the furnisher of the identity theft claim, as required, forcing me to dispute directly.

2. Data Furnishers Violations * * The furnisher violated : - * * 623 ( a ) ( 6 ) ( A ) Duty to Cease Reporting Upon Identity Theft Notice - After receiving my dispute, they MUST stop reporting the account. Their refusal violates federal law.

- * * 623 ( b ) ( 1 ) Failure to Conduct a Proper Investigation- The furnisher DID NOT review my FTC/police reports, as their verification is impossibleI DID NOT OPEN THIS ACCOUNT.

* * CFPBs Obligation to Enforce * * If the CFPB fails to intervene, it risks enabling violations of : - * * 12 U.S.C. 5531 UDAAP ( Unfair, Deceptive, or Abusive Acts ) - Allowing Transunion and the furnisher to ignore identity theft protections is ABUSIVE AND UNFAIR PRACTICE.

- * * FCRA 621 Regulatory Enforcement Failure - The CFPB MUST penalize willful noncompliance.

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 2025-05-11 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: DC

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

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 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC
State: NM

Complaint narrative:
Milestone Mastercard there has been a problem since XXXX and now XXXX. Payments made on this account have been paid on time and every month this credit card is reported to credit bureaus over its credit limit. No payment has been made for XXXX because the amount due is over what can be paid. Over the credit limit is not fair since the ability to use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am disputing the collection account reported by XXXX CAINE & WEINER under reference number XXXX. This account does not belong to me, and I have no knowledge of any valid debt related to this account. The reported balance of {$640.00} past due as of XX/XX/year> is inaccurate and unsupported. A notice was sent on XX/XX/year>. I have attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of America Ltd.
State: GA

Complaint narrative:
I am submitting this formal complaint against Collection Bureau of America and the XXXX major credit bureaus ( Equifax, Experian, and TransUnion ) regarding an unverified and inaccurate collection account that has been added to my credit report. 

This account XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a balance of {$360.00} on behalf of XXXX XXXX XXXX XXXX, and was assigned on XX/XX/XXXX, but I was never notified, contacted, or provided any debt validation as required by law. This is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Violations Cited : 1. FDCPA 809 ( 15 USC 1692g ) I never received a written notice of the debt within five ( 5 ) days of the alleged initial communication. I was not contacted by any meansmail, email, or phoneregarding this debt. The collection agency failed to validate or verify this debt before reporting it to the credit bureaus.

2. FCRA 1681i ( a ) Disputed Accuracy Upon dispute, the credit reporting agencies are obligated to conduct a reasonable reinvestigation. If verification can not be completed within 30 days, the information must be removed from my file.

3. FCRA 1681e ( b ) Maximum Possible Accuracy The credit bureaus and furnisher failed to ensure maximum possible accuracy before reporting this negative item. Reporting unverifiable and inaccurate information is unlawful.

4. FCRA 1681s-2 ( a ) Furnisher Responsibilities The furnisher, Collection Bureau of America , did not validate the debt before furnishing the information to consumer reporting agencies. This is a violation of their duty under the FCRA. 

XXXX. XXXX XXXX XXXX XXXX TransUnion XXXX, 115 F.3d 220 ( 3rd Cir. 1997 ) This ruling confirms that a credit bureau can not rely solely on the data furnished by creditors without conducting an independent investigation once a dispute has been filed. If the furnisher believes it sent a proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, it must delete account as soon as possible from my report, or I will have to take legal action. 

Requested Action : I am requesting that the CFPB initiate a formal investigation and compel the immediate deletion of this unvalidated and unverified collection account. If the furnisher and bureaus can not produce full documentation proving the debt and demonstrating that proper notice was given, the information must be deleted under the law. 

I am also requesting that this complaint be shared with Collection Bureau of America and the relevant credit bureaus, and that any findings be returned to me in writing. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Been paying on time thru XX/XX/year>. Report on credit report is not accurate. When I called the credit card company Capital One they gave me no help with any information about my account, why they reported it as a late payment now that turns into a negative on my report. Capital One is illegally charging their customers fees, when I brought that up I got hung up on. Very unprofessional and Im reaching out so you guys can look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-11 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: MI

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am requesting the immediate removal of the following fraudulent and unauthorized ( XXXX ) hard inquiries from my Equifax credit report : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not give consent or authorization for these inquiries, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Under this law, any information that is inaccurate, unauthorized, or unverifiable must be removed from my credit file. I have attached all necessary documents to this CFPB report, including : Utility bill, Drivers license, Government-issued ID, Passport, Social Security card , & a copy of this CFPB report. 

I have also mailed the full documentation to Equifax via certified USPS and XXXX to ensure delivery. I am requesting these inquiries be removed immediately & expeditiously.Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MO

Complaint narrative:
XXXX XXXX has falsely claimed a collection on me. Here is their information : Name XXXX XXXX Address XXXX, FL XXXX Phone number ( XXXX ) XXXX The amount is for {$240.00}. It is a completely illegitimate charge that they never contacted me about, nor did the original lender. I do not owe this money, I have no explanation for why it's owed, and it's affecting my credit. When I moved out of the apartment complex, I paid all my dues, and they even sent me a check for my original deposit, less some money that they took out. If anything was owed, they wouldn't have refunded any of my deposit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XX/XX/year> Please remove these unauthorized 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 non-monetary relief
Consumer complaint received 2025-05-11 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XX/XX/year> Please remove these unauthorized 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