vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Dear CFPB, I am filing a formal FCRA reinsertion dispute regarding the above account. This item was previously deleted from my credit file and has been reinserted under a new furnisher name ( XXXX XXXX XXXX ) without proper notice as required by 15 U.S.C. {$1600.00} ( a ) ( 5 ) ( B ).

The bureaus are legally required to notify me in writing within XXXX business days of any reinsertion and provide certification that the furnisher verified the account 's accuracy. 

I have never received any such notice, making this a direct FCRA violation. 

Additionally, XXXX XXXX has failed to properly validate this debt under 15 U.S.C. 1692g ( b ) of the FDCPA. Each time I've disputed this account, the only " verification '' provided has been a copy of the same XXXX final bill - a billing statement that does not : Prove XXXX XXXX legally owns or has collection rights ; Show any transfer of assignment or authorization to collect ; Satisfy verification requirements under federal law. 

This reused document does not meet the standard of verification under FCRA S611 ( a ) ( 1 ) ( A ) nor FDCPA S809 ( b ). It is not new evidence, nor does it justify reinsertion of previously deleted information. 

I demand : XXXX. Immediate deletion of this reinserted collection account : XXXX. Full documentation showing XXXX XXXX ' legal right to report or collect ; XXXX. Copies of any certification or verification that allowed this reinsertion. 

If XXXX XXXX doesnt comply, I will file complaints with the FTC XXXX and my State Attorney General, and consider further civil action for willful FCRA violations under XXXX. 

This is your final notice before escalation. 
Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
The account, reported on XX/XX/XXXX, shows a {$16000.00} balance and lists a last payment date of XX/XX/XXXX XXXX years before the stated opening date of XX/XX/XXXX. This timeline is impossible and violates the Fair Credit Reporting Acts accuracy provisions under 15 U.S.C. 1681e ( b ). 

I have disputed the item with all three credit bureaus, but XXXX XXXX has not corrected or validated the information. 

I am requesting that the OCC investigate XXXX XXXX credit reporting and require the company to provide documented proof of this alleged account ( including the signed agreement, payment ledger, and charge-off accounting record ). If the information can not be verified, I request that it be deleted from all consumer reports. 

Citations : FCRA 1681e ( b ) duty to ensure maximum possible accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) duty of furnishers not to report inaccurate information FDCPA 809 ( 15 U.S.C. 1692g ( b ) ) validation of debts upon request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$20000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Balance {$9200.00} - Date Opened : XX/XX/XXXX XXXX # XXXXXXXX XXXX XXXX - Balance {$190.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance {$370.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX  - Balance {$20000.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  - Balance {$9200.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX XXXX  - Balance {$190.00} - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX - Balance {$370.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX  - Balance {$440.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-11-12 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported collection account by MIDLAND CREDIT MANAGEMENT ( Account ending in XXXX XXXX XXXX XXXX  ), showing a high balance of {$630.00} and a date opened of XX/XX/year>. 

I have no knowledge of this account and have never opened, authorized, or received any notice, validation, or correspondence from MIDLAND CREDIT MANAGEMENT regarding this alleged debt. The reporting of this collection account is false, misleading, and unverifiable, resulting in damage to my credit file and reputation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, debt collectors and furnishers are required to report only accurate and verifiable information. They must also provide full validation of any alleged debt upon request. MIDLAND CREDIT MANAGEMENT has failed to provide any verifiable documentation establishing that I am responsible for this account. 

I have previously disputed this matter with the credit bureaus, yet the account remains on my report without verification. Therefore, I am escalating this complaint to the Consumer Financial Protection Bureau ( CFPB ) for investigation and enforcement to ensure compliance with federal law. 

Requested Action : I respectfully request that MIDLAND CREDIT MANAGEMENT provide complete and verifiable documentation confirming the validity of this alleged debt, including the name of the original creditor, signed agreements, and payment records. If such documentation can not be produced, I request immediate and permanent deletion of this collection account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
b'On XXXX XXXX XXXX, I sent a formal letter to Carrington Mortgage Services LLC requesting proof of compliance with notification requirements regarding payments reported as late on my account. The letter was sent via USPS Certified Mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX, and according to USPS tracking, it was delivered.\n\nIn the letter, I disputed the late payments for the years XXXX XXXX XXXX, and XXXX, and requested:\n\nCopies of all billing statements sent related to the alleged late payments.\n\nDocumentary proof that such billing statements included all information required by law.\n\nProof of delivery or mailing at least 21 days prior to the payment due date.\n\nProof that the notification to the credit reporting agency was made in writing within 30 days, as required by law.\n\nAs of now, the company has not provided the requested documentation. I request that no collection activity be taken and that my credit report not be updated until full validation is provided.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX, XXXX days XX/XX/XXXX, XX/XX/XXXX XXXX days, XX/XX/XXXX lates XXXX days XX/XX/XXXX, XX/XX/XXXX lates XXXX days, XXXX  days XX/XX/XXXX, XX/XX/XXXX XXXX days XX/XX/XXXX XXXX  days, XX/XX/XXXX XXXX  days, XX/XX/XXXX XXXX  days and XX/XX/XXXX lates XXXX  days XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX  days XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX  days XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX  days XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX  days XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX lates XXXX  days XX/XX/XXXX, XX/XX/XXXX lates XXXX and XX/XX/XXXX lates XXXX days

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 2025-11-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I asked 3 of banks include Bank of America and XXXX  and XXXX XXXX to open investigations on transfer fraud but they refused and didnt take action. They insisted in closed my account when I ask for second chance. I am XXXX  and often used temporary card to receive social security income every month. I do really need my own bank account in order to receive SSI fund

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 2025-11-12 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: CT

Complaint narrative:
I must emphasize that unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries persist. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is deeply alarming and strongly indicates possible identity theft. This unresolved issue is causing ongoing emotional and financial 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 2025-11-12 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: NY

Complaint narrative:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer file.

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 2025-11-12 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: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - Acct # XXXX - Closed - BALANCE {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX  - Collection account - BALANCE {$1100.00} XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX - Collection account - BALANCE {$2400.00} XXXX Funding Collections - Acct # XXXXXXXX XXXX XXXX XXXX XXXX  - Collection account - BALANCE {$570.00} XXXX Funding Collections - Acct # XXXXXXXX XXXX XXXX XXXX XXXX - Collection account - BALANCE {$830.00} XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX - Collection account - BALANCE {$520.00} XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX - Collection account - BALANCE {$410.00} XXXX XXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX XXXX XXXX - Collection account - BALANCE {$730.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXX XXXX  Credit Card - Acct # XXXXXXXX XXXX XXXX XXXX XXXX - XXXX late payments - Balance {$300.00} XXXX  - Acct # XXXX - XXXX late payments - Balance {$0.00}

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 2025-11-12 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: PA

Complaint narrative:
I am writing this letter to you because I feel extremely upset and I need to block, delete, or dispute all incorrect information in my credit report obtained from Equifax. In order to exercise my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which states that it is your duty to provide me with all actions you took to verify the data in my credit report. If you can not verify the items I am requesting to block, delete, or dispute, it is your obligation to remove them from my credit report immediately. 
Furthermore, under the XXXX XXXX ( 15 USC 6802 ), I have an essential right to privacy regarding my financial information. Additionally, 15 USC 1681 ( 4 ) under the FCRA states the importance of maintaining my privacy as a consumer in credit reports. 
Without legal function, as shown in 15 USC 1681b ( 2 ), it has been established that Experian shouldn't have a credit report on my behalf. Equifax has neither my permission nor a valid purpose to disclose my credit report containing my personal information. The absence of such a purpose makes the presence of this information a violation of my privacy rights, which is very frustrating for me. 
I can also add, 18 USC 1028a which talks about identity theft and its associated penalties, emphasizing that identity theft is a serious crime. Furthermore, by using my personal information without my authorization, it is a criminal act against my privacy and they are violating my rights as a consumer.

According to the law 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I expect Equifax to take all necessary action to correct and block this information as ordered by law. 
Moreover, this means I request a formal investigation into my dispute and the removal of any incorrect information from Experian 's records if it is determined that no permissible purpose exists for maintaining this information. I expect Equifax to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft. 
I hope for a prompt response to this situation in the next 30 days, along with the results of your investigation. If my report is not corrected or removed in accordance with the law, I will take legal action. This is happening to me, causing my mental health to diminish and a constant turmoil of emotions

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 2025-11-12 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: FL

Complaint narrative:
I am demand a deletion regarding an incorrect address being reported on my credit file. The incorrect address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX which is not associated with me, and I have never lived at this location. This address has been reported to the credit bureaus, causing potential damage to my credit score and financial standing. The reporting of inaccurate personal information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy. The presence of this incorrect address is not only inaccurate but unauthorized, as I did not provide consent or any permissible purpose for it to be reported. Additionally, I am unable to submit an FTC Identity Theft Report at this time due to the FTC site being unavailable. As a result, I am unable to provide this as supporting documentation for my complaint. This erroneous information has negatively impacted my ability to obtain credit, housing, and other financial services. I am requesting immediate correction of this information to reflect my correct details. Please investigate and update my credit file to remove this. Furthermore, I want to emphasize that I do not want to repeat disputes for this issue. I expect Experian to fully comply and resolve this matter without further delay. If necessary, I am requesting assistance from the CFPB to ensure proper action is taken and that this issue is resolved in a timely manner.

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 2025-11-11 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: NY

Complaint narrative:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer file.

Company response to consumer: Closed with explanation