vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
In XX/XX/year>, I received a bankruptcy discharge which included the account held by Caine & Weiner for XXXX XXXX XXXX. Despite this, the company continued to pursue collection efforts by text, phone, and mail for a debt that was legally discharged. 

When I called the company to inquire about their records, the representative asked for my attorneys name but did not confirm when or if they received notice of the bankruptcy, which they were legally obligated to respect under federal law. 

Most concerning is that Caine & Weiner placed a new collection tradeline on my credit report in XX/XX/year>, several months after the discharge was issued. This account had never previously appeared on my credit report, and its sudden reporting constitutes both : A false representation of debt status An illegal attempt to collect on a discharged debt Their actions have caused damage to my credit, emotional distress, and violate both the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. 

I am requesting : Immediate deletion of the false credit entry A written statement confirming the account will no longer be pursued And compensation for the unlawful post-discharge collection activity, harassment and credit damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Complaint Subject : Charge-Off Reporting VyStar Credit Union Account Disputed and Unverified Company Information : Creditor Name : VyStar Credit Union Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : ( XXXX ) XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date Updated : XX/XX/XXXX Balance Charged Off : {$630.00} Pay Status : XXXX Last Payment Made : XX/XX/XXXX Estimated Removal Date : XX/XX/XXXX Remarks : UNPAID BALANCE CHARGED OFF Collection Company That Contacted You About the Debt : If no third-party collector contacted you and the charge-off is being reported by VyStar directly : Company Name : VyStar Credit Union Additional Info : This account is appearing as a charge-off on my credit report. No external collection agency has contacted me directly.

Social Security Number ( last 4 digits ) XXXX Nature of the Complaint : I am filing this complaint to dispute the charge-off reporting from VyStar Credit Union . I am requesting that this account be removed from my credit report due to the following : No Validation or Documentation Provided : I have not received any formal documentation or validation supporting this charged-off balance. Without full verification, continued reporting may be in violation of the Fair Credit Reporting Act ( FCRA ). 

Disputed but Still Reporting as Unpaid : Although the charge-off is marked as unpaid, I have previously disputed this item through the credit bureaus and have not been provided sufficient evidence of its accuracy or completeness.

Lack of Communication and Due Process : I was not notified of a charge-off process or given an opportunity to resolve this balance prior to it being reported negatively. This lack of due process has unfairly impacted my credit.

Stale Reporting : The account has not been updated since 2020 but continues to affect my report. I am requesting a formal review to determine if it qualifies for earlier removal due to inaccurate reporting or failure to update per FCRA guidelines.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Addresses to Be Deleted : XXXX XXXX XXXX XXXX, TN XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Address ID # XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Address ID # XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX Address ID # XXXX Social Security Number Variations XXXX Phone Numbers ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular

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 2025-05-27 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: V and H Portfolio
State: CA

Complaint narrative:
VANCE & HUFFMAN LLC has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
On XX/XX/year>, I sent a debt validation request via Certified Mail to Midland Credit Management ( MCM ) regarding XXXX collection accounts they are reporting on my credit reports. I also sent a cease-and-desist letter on XX/XX/year>, and a follow-up validation request on XX/XX/year>. I sent a final legal notice on XX/XX/year>, demanding deletion of the accounts due to lack of proper validation. 

MCM responded with documents but failed to provide adequate validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Their response lacked a signed agreement or itemized breakdown that would legally establish that I owe the alleged debts. 

Despite receiving my disputes and demands, MCM continues to report these accounts to all three credit bureaus. XXXX  confirmed this on XX/XX/year>, stating the accounts remain verified. MCMs ongoing credit reporting is a direct violation of the FDCPA. 

Additionally, a license search with the XXXX  Department of Financial and Professional Regulation ( IDFPR ) confirms that MCM is not licensed to collect debts in XXXX, which violates 225 ILCS 425/4.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MARINER FINANCE, LLC
State: IN

Complaint narrative:
I am filing this complaint against Mariner Finance regarding deceptive practices related to a personal loan I obtained through them, which included XXXX  insurance coverage. 

I took out a personal loan with a cosigner and was told by a Mariner Finance representative that if I XXXX XXXX XXXX, the XXXX  insurance I paid for monthly would pay off the loan in full. This coverage was presented as part of the loan package and was automatically included in my monthly payments. I XXXX XXXX XXXX in XX/XX/XXXX due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was beyond my control. The State of XXXX  approved me for XXXX  benefits, affirming that I XXXX XXXX XXXX through no fault of my own. 

I informed Mariner Finance of my XXXX XXXX and submitted all required documentation for an insurance claim. I was later toldwithout any formal denial letter or explanationthat the insurance would not cover my loan because I XXXX XXXX XXXX due to " XXXX XXXX '' Nowhere in my loan or insurance documentation does it state that certain reasons for XXXX XXXX would disqualify a claim. I was not provided with an official claim denial, an appeal process, or any transparency in the decision. 

Additionally, I was sued by Mariner Finance for the unpaid loan balance ( {$1200.00} plus court fees ), and a court judgment was entered against mewithout my receiving a summons for the initial hearing. I now face another court date in XX/XX/XXXX. 

I believe Mariner Finance engaged in unfair, deceptive, and abusive acts or practices ( UDAAP ) by misrepresenting the terms of the XXXX  insurance, failing to disclose material limitations of coverage, and denying me a fair claims process. I also question whether the insurance claim was ever properly submitted by Mariner Finance. 

I am requesting an investigation into Mariner Finances insurance practices, loan disclosures, and litigation conduct. I am also seeking confirmation of the name of the third-party insurance provider involved and a full explanation of why my claim was denied without proper documentation or an appeal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
i am filing a complaint against cashapp ( block , inc . ) due to inadequate customer service and unfair pratices, which violate the consumer financial protection act ( CFPA ). specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AR

Complaint narrative:
LexisNexis is reporting a bankruptcy ( that I did not file and have no connection to. The bankruptcy is tied to an address that I have never lived at, used, or been associated with in any way. 

In response to my previous dispute, LexisNexis claims the bankruptcy was verified using information from PACER, citing a partial Social Security number match and a so-called " historical address '' in their records. However, they refuse to provide any actual documentation or proof showing how this address is connected to me. They have not attached any evidence that I filed this bankruptcy. 

I strongly believe this is a case of identity confusion, clerical error, or potential identity theft. Despite my clear and repeated explanations that this address is not mine, LexisNexis continues to report this false bankruptcy. This is damaging my credit, reputation, and ability to move forward financially. I am a single mother trying to buy a home and improve my life, and this false information is standing in the way. 

What steps have you taken to resolve the issue? 
I previously filed a dispute through the CFPB. LexisNexis responded on XX/XX/year>, restating the same claims without offering any actual proof. They refuse to remove the bankruptcy or acknowledge that the address is inaccurate. Most importantly, they will not provide supporting documents to justify the connection between this case and my identity only vague statements and general references to public databases. 

I also asked LexisNexis to supply the documentation linking me to the XXXX XXXX XXXX address. They have not provided any, and continue to cite unverifiable data. I am now filing another complaint because they are refusing to attach proof of their claims and are continuing to report harmful, inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute certain fraudulent accounts and unauthorized inquiries that have been reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am demanding the immediate removal of these inaccuracies. 
XXXX XXXX Date fraud began : XX/XX/year> Amount : {$6000.00} XXXX XXXX Date fraud began : XX/XX/year> Amount : {$2400.00} XXXX ( XXXX XXXX ) Date fraud began : XX/XX/year> Amount : {$3700.00} XXXX ( XXXX XXXX ) Date fraud began : XX/XX/year> Amount : {$880.00}

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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I received a letter from Ally indicating that my lien was released. I contacted the state of XXXX  and they indicated that as of XX/XX/year> this is no longer accepted to release liens and they must do so electronically. Ally continues to try and send me documentation to be provided to the state of XXXX  but XXXX  will only accept an electronic lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian report number XXXX XXXX XXXX XXXX XXXX XXXX- XXXX Each one of these account I have submitted to Experian and XXXX XXXX neither have done a proper investigation I have requested. these XXXX items are listed inaccurate. I have tried, and tried over again about these to collection accounts. the original creditors forgave me and charged it off and without out my permission Experian and XXXX  keep submitting derogatory reporting on my credit report messing me up from getting my home. I have has items removed and my credit score is reading inaccurate. 
I feel like Experian is not doing proper investigations and likes to hold inaccurate finding on my report that's effect my journey going forward Can you please have these XXXX items removed after submitting numerous amount of disputes. 
Thank you

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-05-27 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:
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 168b permissible purposes of consumer reports. 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. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX XXXX  XXXX ACCOUNT NUMBER:XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than XXXX years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
I did not authorize each of these individual inquiries, The following inquiries were not specifically approved by me : - Inquiry Name : XXXX XXXX, Date of Inquiry : XX/XX/XXXX - Inquiry Name XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX - Inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date of Inquiry : XX/XX/XXXX - Inquiry Name : XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX - Inquiry Name : XXXX XXXX, Date of Inquiry : XX/XX/XXXX - Inquiry Name : XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX - Inquiry Name : XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX - Inquiry Name : XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX - Inquiry Name : XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX - Inquiry Name : XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX - Inquiry Name : XXXX XXXXXXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX - Inquiry Name : XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX - Inquiry Name : XXXX XXXX XXXX XXXX, Date of Inquiry : 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 explanation
Consumer complaint received 2025-05-27 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX XXXX ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  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 XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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