vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MY INFORMATION WAS USED TO TRY TO OBTAIN CREDIT THAT RESULTED INNEGATIVE REMARKS ON MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Subject : Request for Debt Validation Pursuant to 15 U.S.C. 1692g To Whom It May Concern : I am writing in response to your recent attempt to collect a debt, referenced as Account #, which you allege I owe. This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ).

I hereby request that you validate this debt as required by 15 U.S.C. 1692g ( b ). Specifically, I am requesting the following : The name and address of the original creditor ; The original amount of the alleged debt, and an itemized breakdown of any interest, fees, or charges added ; A copy of the original signed agreement or contract that gives you the right to collect this debt ; Proof that you are licensed to collect debts in my state ( if required ) ; Documentation showing the chain of title ( proof of assignment or sale ) if the debt was purchased or transferred from another entity.

Until this information is provided, I request that you cease all collection activities, including reporting this debt to the credit bureaus or pursuing legal action. 
Please note that any attempt to validate this debt using only screenshots, spreadsheets, or unverifiable records is not acceptable. I expect clear and complete documentation proving that the debt is valid and that your agency has the legal right to collect it. 
If you can not validate this debt within 30 days, you must cease collection efforts and delete any reference to this debt from my credit reports in accordance with the FDCPA. 
This is a formal notice, and I am documenting all communications for record-keeping purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: LEXISNEXIS
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX Date : XXXX XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject : Unauthorized Reporting & Violation of Rights Under 15 U.S. Code 1681 et seq. 

To Whom It May Concern, I am writing to formally dispute and demand immediate removal of any and all consumer data or negative information that LexisNexis has reported or is currently reporting about me without my express consent, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, which limits permissible purposes for furnishing consumer reports.

I have not granted LexisNexis authorization to collect, disseminate, or report any personal, financial, or credit-related information about me. Furthermore, if LexisNexis has distributed this information to third parties, it constitutes a willful violation of 15 U.S. Code 1681e ( b ) for failure to ensure maximum possible accuracy, and 15 U.S. Code 1681n entitles me to actual, statutory, and punitive damages.

Page 1 Formal Dispute Letter to LexisNexis In light of these violations, I am demanding : 1. Immediate removal of any and all negative or unauthorized entries from my consumer file within 5 business days of receipt of this letter.
2. A detailed disclosure of all entities to whom my data has been shared.

3. A monetary settlement in accordance with 15 U.S. Code 1681n for willful noncompliance, and 15 U.S. Code 1681o for negligent noncompliance. 
Failure to comply will result in me pursuing legal action for all damages afforded under federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Prior to the issuance of my prepaid card, I updated my mailing address with California XXXX, which is the only authorized source for address information on file for my claim. XXXX confirmed my address change was successful and assured me that my XXXX XXXX  card would be mailed to my new, current address. 

Despite this, XXXX XXXX mailed my card to my old address. That card was intercepted and activated by my former landlordwithout my knowledge or consentand used to make multiple unauthorized purchases and bank transfers. 

I did not receive this card. I was unaware it had even been activated or used until I followed up weeks later due to not receiving funds. I contacted XXXX XXXX and learned that the card had been activated using my personal information and credentials, and that my entire balance had been spent and partially transferred into external bank accounts belonging to unknown individualsone male, one female. 

I filed a fraud claim immediately and submitted a detailed written statement, including all documentation available to me. The claim was denied, citing that the card had been activated using valid credentials and sent to the correct addresswhich was factually incorrect. The address was outdated and had already been updated in the system before the card was issued. 

I then filed a second claim with additional documents and updated information. However, after repeated follow-up calls, I was told that no second investigation had even taken place, and that they were waiting for new informationdespite having received everything again. 

KEY FACTS XXXX XXXX  mailed the card to my old address, despite XXXX confirming that my current address was on file at the time of issuance. 
My former landlord intercepted, activated, and used the card to pay a third party for services, confirmed by the individual who received the payment. 
Money was transferred to two external bank accounts, clearly not belonging to me.

The email, phone number, and address associated with the account were changed and did not belong to me.

No red flags were acknowledged, despite : Rapid spending of full balance High-dollar transfers Account credential changes I never received any documentation referenced in the denial. 
My second submission was completely ignored, with no investigation or resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
In XXXX, XXXX  I contacted XXXX to purchase not one but ( 2 ) cars. The first car purchased was a XXXX XXXX XXXX and less than a week later a XXXX  XXXX XXXX. I was given one set of documents, that I signed in-house, but upon delivering the XXXX  XXXX the XXXX  XXXX XXXX XXXX to have issues with the key not engaging out the ignition. I called the dealership to speak with the General Manager ( very rude individual to his employee ) and he was always unavailable and everyone else seemed lost. Then the XXXX XXXX started puttering and the smell of gas would come and a " Service Engine soon, Low Engine Pressure '' came across the message board. 
I called the very limited warranty that was on the XXXX and was scheduled to bring it in to XXXX ( when I got to the dealership 's service dept. I was told that they were no appointments for the car under my name and it would be ( 2 ) weeks or more before they could tend to the issue. I reached out to XXXX XXXX XXXX in XXXX, LA and they accepted an attemted to fix the car on XX/XX/XXXX. Approximately two weeks later the XXXX XXXX broke down out of town and my daughter had the car towed to her home. I contacted XXXX XXXX and the warranty company about the car doing the same thing and same warning issue. Now this time the car would not start and would filled with the smell of gas and the ingnition would grind before cutting off. I asked the dealership to please correct this I do not want this car due to the issues it has with rust underneath ( that was seen once the car was loaded on the wrecker. I trusted the car company to find me good cars, and they failed and will not honor the two lemons they pawned off on me. That equinox was priced at XXXX but when FourSight XXXX and XXXX XXXX XXXX owe {$51000.00} on a used car. mind you I never signed these documents. I am angry and I feel cheated by the salesman, the general manager, the service manager, and owner for turning out lemon cars with high charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) : See attachments. Under federal law, you are required to block fraudulent information from my file within 4 business days of receiving a valid identity theft report. You have failed to do so, which constitutes a willful violation of federal law. Furthermore, I have issued a written revocation of authorization to each furnisher. Continued reporting of these accounts without a permissible purpose is now considered unauthorized data furnishing under FCRA 604.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: IL

Complaint narrative:
I received a Cash App card in the mail that I did not request. The card has my full name on it. However the account user name is slightly different from mine in that there's a one digit number at the end of it. 

I contacted Cash App to let them know and they asked me for some information. I didn't feel comfortable sharing the information and wanted to know how this could even happen, and the couldn't tell me that because the account is not mine.... But again, this person is using my name and my address to order a Cash App card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
The following accounts do not belong to me. I am a victim of identity theft. I have already filed an ftc report, which I will also upload to support my request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My deceased husband, XXXX XXXX XXXX, passed away in XX/XX/XXXX. His death was reported and confirmed by XXXX immediately after. There was record of death and obituary by the funeral home, and publicly published. Despite this, almost two years later Experian and XXXX XXXX accessed his credit report on XX/XX/XXXX, and Experian began pulling his credit weekly from XX/XX/XXXX through XX/XX/XXXX, XXXXdirectly from their headquarters in XXXX XXXX XXXX CA. 
These repeated inquiries occurred despite no open tradelines, no mortgage, no applications, and a confirmed death, and coincided exactly with the recording and re-recording of fraudulent foreclosure documents under his name. There was never a second mortgage, and our original FHA HAMP loan was discharged in XXXX and paid in full by XX/XX/XXXX. No mortgage exists on either of our credit reports period then Experian and Equifax blocks me from my own credit report immediately after retaining XXXX report. 
Only TransUnion allowed me access only to find on XX/XX/XXXX, a fake foreclosure sale was suddenly added to my credit reporteven though no such entry appeared just weeks earlier. There was no mortgage tradeline, no named lender, no servicer, and no associated court case number. This proves that the synthetic manipulation of my deceased husband 's credit profile was used to inject false data into mine, constituting identity theft multiplied through system failure and coordinated record laundering.

These events are not isolated. They represent a breakdown of the credit infrastructure and the failure to safeguard consumer data across profiles. These actions also violate several active federal executive orders currently governing national oversight under Continuity of Government ( COG ) operations. 
I specifically cite : Executive Order 13961 National Continuity Policy Executive Order 13994 Ensuring a Data-Driven Response and Modern Infrastructure Executive Order 13848 Addressing Foreign and Domestic Interference in U.S. Infrastructure These executive orders are active and provide jurisdiction for federal review of systemic identity manipulation, cyber-fraud involving synthetic accounts, and the misuse of deceased identities across regulated industries. I believe these records, the institutions that responded named as the supposed ( banks ) disavowed any ownership. Yet the debt was still able to be reported to the credit reporting systems enabled this breach now fall within the scope of that authority.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My deceased husband, XXXX XXXX XXXX, passed away in XX/XX/XXXX. His death was reported and confirmed by XXXX immediately after. There was record of death and obituary by the funeral home, and publicly published. Despite this, almost two years later Experian and XXXX XXXX accessed his credit report on XX/XX/XXXX, and Experian began pulling his credit weekly from XX/XX/XXXX through XX/XX/XXXX, XXXXdirectly from their headquarters in XXXX XXXX XXXX CA. 
These repeated inquiries occurred despite no open tradelines, no mortgage, no applications, and a confirmed death, and coincided exactly with the recording and re-recording of fraudulent foreclosure documents under his name. There was never a second mortgage, and our original FHA HAMP loan was discharged in XXXX and paid in full by XX/XX/XXXX. No mortgage exists on either of our credit reports period then Experian and Equifax blocks me from my own credit report immediately after retaining XXXX report. 
Only TransUnion allowed me access only to find on XX/XX/XXXX, a fake foreclosure sale was suddenly added to my credit reporteven though no such entry appeared just weeks earlier. There was no mortgage tradeline, no named lender, no servicer, and no associated court case number. This proves that the synthetic manipulation of my deceased husband 's credit profile was used to inject false data into mine, constituting identity theft multiplied through system failure and coordinated record laundering.

These events are not isolated. They represent a breakdown of the credit infrastructure and the failure to safeguard consumer data across profiles. These actions also violate several active federal executive orders currently governing national oversight under Continuity of Government ( COG ) operations. 
I specifically cite : Executive Order 13961 National Continuity Policy Executive Order 13994 Ensuring a Data-Driven Response and Modern Infrastructure Executive Order 13848 Addressing Foreign and Domestic Interference in U.S. Infrastructure These executive orders are active and provide jurisdiction for federal review of systemic identity manipulation, cyber-fraud involving synthetic accounts, and the misuse of deceased identities across regulated industries. I believe these records, the institutions that responded named as the supposed ( banks ) disavowed any ownership. Yet the debt was still able to be reported to the credit reporting systems enabled this breach now fall within the scope of that authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
I am filing this formal complaint regarding an inaccurate and non-compliant collection account reported by XXXX XXXX XXXX on my Experian credit report. 

After submitting a dispute, Experian stated the item would remain and claimed the account meets Fair Credit Reporting standards. This is a false statement, as the account violates multiple provisions of the FCRA, FDCPA, and Metro 2 compliance guidelines, including : Re-Aging : The accounts Date Opened is listed as XX/XX/year>, despite the debt being originally charged off by XXXX  XXXX long before. This resets the aging clock, violating FCRA 605 ( a ) which limits reporting to 7 years from the original delinquencynot the date a debt buyer acquires it.

Incorrect Account Type/Terms : The tradeline lists Terms : 1 Month, which is an inaccurate classification for a XXXX  XXXX revolving credit card. This violates Metro 2 field reporting standards and is considered a false representation under FDCPA 807 ( 2 ) ( A ). 

No Original Contract Exists with XXXX XXXX : They are a third-party debt buyer, not the original lender. No legally binding contract exists between myself and XXXX. Therefore, they have no legal right to report : Past due balances Payment history Account status ( open/closed ) Inaccurate Payment History : A Collection entry was added as of XX/XX/year>XXXX  despite no payment activity, no consumer validation, and no new contractual agreement. 

Based on these facts, the account is ineligible to be reported at allnot due for correction, but for complete deletion. Experians reinvestigation failed to address these legal violations and relied solely on the furnishers unverifiable assertion of accuracy.

Once a Metro 2 or FCRA violation is confirmed, the law does not allow correctionit requires deletion. Experians continued reporting of this account violates FCRA 611, 607 ( b ), and Metro 2 compliance mandates.

I am demanding : 1. Immediate and permanent deletion of this tradeline from my Experian credit file.

2. An official correction to Experians claim that this account meets FCRA standards, as this is demonstrably false.

3. An investigation into Experians reinvestigation procedures, which appear to be automated and not compliant with FCRA requirements for dispute resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
Equifax is reporting multiple inaccurate, outdated, or unverifiable accounts on my credit report. Ive disputed these items several times, and they continue to verify them without providing any actual evidence or documentation. They're using automated systems like e-OSCAR instead of conducting real investigations, which violates federal law. 

Theyre also reporting public record informationlike a dismissed bankruptcysourced from third-party data brokers like XXXX and XXXX XXXX both of which have been sued for mishandling consumer data. Equifax is still showing that bankruptcy as active, even though the case was dismissed over a year ago. Thats not just lazy reportingits illegal. 

The CFPB has already sued Equifax before for failing to properly investigate disputes. This is more of the same. Theyre retaining outdated, derogatory information, failing to update statuses, and not providing the original documentation when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: MO

Complaint narrative:
I was in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I have no knowledge of this debt and did not start this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: OH

Complaint narrative:
I opened a dispute with EXPERIAN explaining to them that I am unaware of the account reporting from XXXX XXXX. EXPERIAN closed the investigation within a few hours claiming the company verified the debt. I do not believe EXPERIAN fully investigated this dispute. I have not received any contact from XXXX XXXX validating this debt. I am unaware of this debt and no communication has been given to me about said debt as explained to EXPERIAN.

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