vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In accordance with the Fair credit reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX account 1 # : XXXX reported on XXXX, XXXX, and XXXX on the last bureau XXXX  account 2 # : XXXXXXXX XXXX XXXX  reported on XXXX and on XXXX on another bereuo, 15 U.S.C. 1681 section 602 A : states i have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) : a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reason to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: TX

Complaint narrative:
Provide incorrect and threatening information, including that they were sending a sherif to my place of work and home. They contacted my family members on XX/XX/year> and made XXXX explicit comments to my sister after stating I frequent a strip club ( I do not ). Using threatening and illegal tactics. 

Reached debt that is not owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Based off the report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX on my XXXX XXXX XXXX XXXX XXXXXXXX, Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Based off the report to this complaint on the following dates XX/XX/XXXX and XX/XX/XXXX on my XXXX XXXX XXXX XXXX XXXXXXXX, Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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:
Dear TransUnion This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( # XXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
XXXX XXXX XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. - I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
XXXX XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. - I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
XXXX XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. - I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
XXXX XXXX  - XX/XX/year> - This inquiry was not authorized - I formally request the immediate removal of these transactions from my report, as they violate my rights as a federally protected consumer under Title 15, Chapter 41, specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ).

1 of 2 Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

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 2025-12-19 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OR

Complaint narrative:
I change insurance company ( Auto ) Called XXXX and communicate that I will change to a different company with an specific date Later on they send XXXX XXXX for extra days after the date when I finished my relation I called and discussed this multiple times They said have no record of my call communicating that I was changing companies They send me to Collection who has been threatening me and harassing me for XXXX  year I refuse to pay for a debt that is no mine. I never had a debt before The collection agency keep calling and now is affectuing my credit score I dispute the debt but did not made any difference Collection company refuse to identify themselves and only could find his data in XXXX : Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MA XXXX I would like the harassment to finish and the debt to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I am a XXXX veteran with XXXX. During a documented XXXX flare-up, I experienced difficulty managing communications and timely payments in XXXX of 2025. I submitted a hardship request to ConCora Credit requesting review and accommodation related to my XXXX. 

ConCora Credit failed to review or respond to my hardship request and instead reported a late payment. When I contacted the company by phone, I was told they do not perform goodwill adjustments under any circumstances. I was then encouraged to enroll in a credit protection plan, which I was told would not address or remove the reported late payment and provided no meaningful assistance related to my hardship. 

Notably, nothing in ConCora Credits cardholder agreement or hardship materials states that goodwill or hardship adjustments are categorically unavailable. This creates a misleading and inconsistent process where consumers are denied review while being steered toward paid products that do not resolve the issue. 

The reported late payment is materially harming my ability to qualify for a mortgage to purchase a home that meets my disability-related accessibility needs. I am requesting that the CFPB require ConCora Credit to review my hardship request in good faith, provide a written response, and address the credit reporting impact caused by their failure to engage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint against Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act. 

After reviewing my credit reports through XXXX, I discovered multiple inaccurate and unverifiable accounts and personal information that require immediate correction. I formally disputed these items and requested a lawful reinvestigation pursuant to 15 U.S.C. 1681i ( a ). This complaint also serves as a request for the method of verification and a full consumer file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

This is not a vague or frivolous dispute. I provided sufficient identifying documentation and lawfully authorized a third-party service to submit my dispute. Despite this, the credit bureaus failed to perform a reasonable and good-faith reinvestigation into all disputed information, including every associated data field, code, and reporting element, as required by federal law. 

The disputed tradelines are reporting inaccurate or unverifiable information. If any portion of an account, including balance, status, payment history, remarks, or date opened, can not be verified as accurate, the bureaus are legally required to delete the tradeline entirely under 15 U.S.C. 1681i ( a ) ( 5 ).

The credit bureaus are also required to follow reasonable procedures to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ), conduct a proper reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ), and provide a clear method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). These obligations have not been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: Self Financial Inc.
State: NY

Complaint narrative:
I received a credit alert from a credit monitoring site a few days ago that a new account was opened under my name. After checking I saw that this account was opened on Self Inc, a prepaid credit card service. ( Self.inc ) Upon further investigation I saw that someone had also compromised my checking account info and actually used an ACH debit to pay money to this account. This was NOT done by me and i also looked into my emails and saw that I was receiving multiple emails from this company since XX/XX/XXXX. I called the company on XX/XX/XXXX and informed them about all of this and asked them to immediately close the account, which they did. I also told them that I wanted an investigation done to figure out how this happened and how someone was able to compromise my information and commit fraud in this way. I told them I wanted them to immediately remove this account from all of my credit reports. Today, XX/XX/XXXX I receive an email from them stating that they completed their investigation and found this account to be valid. I am infuriated that they are claiming they reviewed calls, logins and other information to come to this decision. I am going to file a police report as I want a full investigation launched into this company and whoever used my information fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: NY

Complaint narrative:
XXXX  is reporting multiple derogatory tradelines with internally inconsistent and/or facially inaccurate key Metro 2 fields ( dates, balances, and activity ), indicating the information is not being reported with maximum possible accuracy. 
Disputed tradelines currently appearing on my XXXX  file include ( as shown on my 3-bureau report ) : XXXX ) XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$530.00} Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$530.00}. 
The reported Date of Last Activity ( XX/XX/XXXX ) predates the reported Date Opened ( XX/XX/XXXX ), which is facially inconsistent and materially misleading. 
XXXX ) XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$0.00} Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$510.00} Payment Status Late 120 Days.

High Balance of {$0.00} conflicts with a current Balance Owed of {$510.00}, and key fields are not consistent with other bureau reporting for the same account number. 
XXXX ) XXXX Account # XXXX XXXX XXXX High Balance {$120.00} Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$0.00} Payment Status Paid charge off, yet continues to be flagged Derogatory. 
I submitted ( or am submitting concurrently ) a written dispute with identity documentation and the specific disputed fields. XXXX  must conduct a lawful reinvestigation that reviews and considers all relevant information I submit, and must delete or modify items that are inaccurate, incomplete, or can not be verified.

WHY THIS IS WRONG ( LEGAL BASIS ) FCRA 611 ( a ) ( 4 ) requires XXXX, in conducting any reinvestigation, to review and consider all relevant information submitted by the consumer.

FCRA 611 ( a ) ( 5 ) ( A ) requires XXXX  to promptly delete or modify information found inaccurate/incomplete or that can not be verified, and to notify the furnisher of the modification/deletion

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 2025-12-19 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: SC

Complaint narrative:
Midland Credit Management is reporting unlawful and inaccurate information to all 3 credit bureaus that I opened an account with their company and owe them money. Ive been requesting debt validation from them XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and still requesting as of XX/XX/year>. Midland Credit Management has affected my credit report/score negatively and I have never signed any contract with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I am writing to bring to your immediate attention a concern regarding my bank account at UFB Direct. My debit card was canceled by my banks third-party fraud monitoring vendor without my authorization. A replacement card was reportedly shipped via XXXX on Thursday, XX/XX/XXXX ; however, I have yet to receive it as of today, Thursday, XX/XX/XXXX. 
Customer service has advised me to wait an additional five business days, although the delivery has already exceeded standard XXXX transit times. Given that both the bank and the Post Office will be closed for the upcoming holidays, this delay further complicates my access to funds. 
Additionally, I was explicitly informed that same-day replacement options are not available. The bank does not offer virtual cards or direct upload options to digital wallets, which could have provided an alternative method for accessing my funds in this situation. I do not maintain a secondary banking account, and I am currently unable to access my funds. 
I have also submitted a complaint through the banks online portal, but have not yet received a resolution. I would appreciate regulatory assistance to ensure that I regain access to my funds as quickly as possible. 
It should also be noted that on XX/XX/XXXX, the bank underwent a XXXX comprehensive system-wide maintenance outage, which prevented me from unfreezing my debit card. Customer service confirmed that they were also unable to unfreeze the card or grant access during this time. This incident was another instance where I was unable to access my funds due to bank system limitations, rather than any actions on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bounce AI, Inc.
State: NC

Complaint narrative:
Called numerous times impersonating a lawyer stating that I owed a debt to them. Threaten legal action and court, that police would come to the house

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: GA

Complaint narrative:
CFPB Complaint Explanation Issue Summary I am filing this complaint against multiple entities, including XXXX XXXX XXXX ( MCM ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, for the continued reporting of unverified debts and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Timeline and Actions Taken XX/XX/XXXX : An active Fraud Victim Alert was placed on my credit file, requiring creditors to verify my identity before extending credit. 

XX/XX/XXXX : Employment information was updated on my credit report, which led to unauthorized collection efforts directed toward my place of employment. 

XX/XX/XXXX : A legal case filed by XXXX XXXX XXXX XXXX XXXX ( as assignee of XXXX XXXX XXXX XXXX ) in the XXXX XXXX of XXXX XXXX, Georgia ( XXXX XXXX. XXXX ) was dismissed without prejudice by a Magistrate Court Judge for " Want of Prosecution '' after the plaintiff failed to answer the calendar call. 

XX/XX/XXXX : A formal Cease and Desist and dispute notice was issued to the CFPB and relevant creditors regarding multiple unverified accounts. 

Specific Account Issues and XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) : XXXX accounts are being reported as " Derogatory '' with approximate balances of {$6900.00} and {$12000.00}. Although I have communicated a proposed payment plan to a representative named XXXX and was awaiting a response from management, these accounts remain unverified and disputed on my report. 

XXXX XXXX XXXX XXXX XXXX : This account shows a balance ranging from {$9700.00} to {$10000.00} with a " Collection/Charge off '' status. Records indicate this debt is unverified and incorrectly reported. 

Bounce AI : An account balance of approximately {$8800.00} is reported as " Derogatory '' and " Late 120 Days. '' Despite the remark " Consumer disputes this account information, '' reporting continues. 

XXXX XXXX : An account with a balance of {$3300.00} is listed as " Charged off as bad debt. '' Previous disputes have resulted in a resolution that I do not agree with. 

Requested Resolution I am currently unemployed with no source of income. I request that the CFPB investigate these entities for failing to provide proper validation of these debts and for continued reporting of disputed information. Furthermore, I am formally requesting a Cease and Desist on all communications to my residence and place of employment, in accordance with my rights under the FDCPA.

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