vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: OH

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2025

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Servicing Solutions, LLC
State: WV

Complaint narrative:
Identity Theft - Fraudulent Account Opened Without Authorization On XX/XX/year>, a company account was fraudulently opened in my name without my knowledge, consent, or authorization. I never applied for any services with this company and have no relationship with them whatsoever. 

I discovered this fraudulent account when I was contacted about payment obligations for services I never requested or received. Upon investigation, I learned that : An unauthorized autopay arrangement was established using my personal information The account was allegedly connected to XXXX services XXXX confirmed I have never used their platform to establish any account with this company I have no record of any communication, applications, or agreements with this company I immediately contacted the company to dispute this fraudulent account and report the identity theft. I explained that this account was opened without my authorization and requested immediate closure and removal from all credit reporting. 

I have also filed a police report for identity theft and am disputing this fraudulent account with credit bureaus. 

Despite providing clear evidence that this is identity theft, the company has not adequately resolved this matter. I need this fraudulent account permanently closed, all charges removed, and written confirmation that I am not liable for any associated debts or fees. 

This appears to be a case of identity theft where my personal information was used without authorization to establish services I never requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX  XXXX XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX 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 explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a late mortgage payment that XXXX XXXX reported to the credit bureaus as delinquent on my loan XXXX This reporting is inaccurate and misleading because the delinquency was caused by circumstances outside of my control : Bank Fraud : My XXXX XXXX  account was compromised by fraud, leaving me without access to funds during the time the mortgage payment was due. I filed the appropriate fraud reports and worked with XXXX XXXX  to resolve the issue. 

Medical Incapacity : At the same time, I underwent XXXX and experienced complications that rendered me medically incapacitated for XXXX weeks. I was physically unable to access or manage my financial accounts during this period. 

Despite providing documentation of both the fraud and my medical incapacity, XXXX XXXX  reported the account as late to the credit bureaus. This reporting fails to take into account material facts that make the late payment notation incomplete and misleading.

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 2025-09-24 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: FL

Complaint narrative:
I am disputing a late mortgage payment that XXXX XXXX  reported to the credit bureaus as delinquent on my loan XXXX This reporting is inaccurate and misleading because the delinquency was caused by circumstances outside of my control : Bank Fraud : My XXXX XXXX  account was compromised by fraud, leaving me without access to funds during the time the mortgage payment was due. I filed the appropriate fraud reports and worked with XXXX XXXX  to resolve the issue. 

Medical Incapacity : At the same time, I underwent XXXX and experienced complications that rendered me medically incapacitated for XXXX weeks. I was physically unable to access or manage my financial accounts during this period. 

Despite providing documentation of both the fraud and my medical incapacity, XXXX XXXX  reported the account as late to the credit bureaus. This reporting fails to take into account material facts that make the late payment notation incomplete and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Transunion and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I am filing this complaint against TRANSWORLD SYSTEMS INC. for attempting to collect on a fraudulent or unverified debt. The company has placed a collection account on my credit report with a balance of {$770.00}, but I have no record of ever having an account with this company or the alleged original creditor. 

The credit report ( TransUnion ) provided to me by XXXX XXXX lists TRANSWORLD SYSTEMS as the 'Original creditor '. This is a deliberate false and misleading representation. Under federal law, TRANSWORLD SYSTEMS is a third-party debt collector, not an original creditor. This practice violates 15 U.S. Code 1692e ( 2 ) ( A ), which prohibits a debt collector from making a 'false representation of the character, amount, or legal status of any debt '. It also violates 15 U.S. Code 1692e ( 10 ), which prohibits the use of 'any false representation or deceptive means to collect or attempt to collect any debt '.

Furthermore, by reporting this unverified and likely false information to the credit bureaus, TRANSWORLD SYSTEMS is violating 15 U.S. Code 1692e ( 8 ), which prohibits a debt collector from communicating credit information " which is known or which should be known to be false ''. 

I have never entered into a contract or agreement with TRANSWORLD SYSTEMS or any alleged original creditor they may be representing. The Michigan Statute of Limitations for most debts is XXXX years, and I am aware of my rights to demand validation. TRANSWORLD SYSTEMS has not provided me with the legally required validation, including a copy of the original contract or proof of ownership of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-24 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-24 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: TN

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX - The following personal information is incorrect- Please delete this from my credit report. 
EMPLOYER - XXXX XXXX XXXX - XXXX XXXX  Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I'm filing a complaint because Equifax, Experian, & Transunion has failed to properly investigate a disputed charge-off account as required under FCRA & 611. the furnisher, XXXX XXXX, continues to report inaccurate information in violation of FCRA & 623. I also requested verification under FCRA 609, but no documentation was provided. I'm requesting deletion of this unverifiable charge-off account as required by law.

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 2025-09-24 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: CA

Complaint narrative:
I am writing to formally dispute multiple inaccurate entries on my credit report. These are not clerical errors they are incorrect and are causing me ongoing financial and emotional harm.

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 2025-09-24 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: MI

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with this company and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
An unauthorized inquiry to be removed : [ XXXX  ] [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: CA

Complaint narrative:
I am filing this complaint against Zions Debt Holdings, a debt collector reporting a collection account to Equifax without having provided any of the legally required debt validation documentation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Despite furnishing this account to Equifax, Zions Debt Holdings has never sent me a written notice of the debt as required under 15 U.S.C. 1692g ( a ). They have also failed to provide any supporting documentation after the account was disputed. 

No Legally Required Validation Was Provided : Zions has failed to produce any of the following : Initial written notice within 5 days of reporting the debt ( required by 1692g ( a ) ) Bill of Sale or Purchase Agreement Forward Flow Agreement or Assignment Chain Original Contract or Signed Agreement Itemized Account Statement or Full Breakdown of Charges Proof of Authority to Collect and Report to Credit Bureaus I never received a debt validation letter, and their communication has been limited to credit reporting which constitutes collection activity under Daugherty v. Convergent Outsourcing, 836 F.3d 507 ( 5th Cir. 2016 ).

Violations Committed : 15 U.S.C. 1692g ( a ) : No initial written notice or validation within 5 days 12 CFR 1006.34 : Failure to provide required disclosures and debt information 15 U.S.C. 1692e ( 8 ) : Reporting disputed debt without proper validation FCRA 1681e ( b ) : Reporting to Equifax without maximum possible accuracy FCRA 1681s-2 ( b ) : No reasonable investigation following consumer dispute Account Impact : Zions Debt Holdings is furnishing a derogatory tradeline to Equifax, despite never having provided any proof of ownership or assignment. The reporting is harming my credit file without cause and violates multiple federal consumer protection statutes.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: LA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four 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 : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 US 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 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 2025-09-24 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: TX

Complaint narrative:
I dispute the accuracy of credit entries linked to accounts I never approved. Kindly perform an exhaustive review and remove the items. Evidence accompanies this submission.

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 2025-09-24 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: LA

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 four 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 : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, XXXX as proof from the US 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