vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-08-28 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-08-29 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: CA

Complaint narrative:
I am filing this formal complaint against TransUnion for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, TransUnion has failed to remove or block fraudulent accounts from my credit file as required by law. The accounts in question include XXXX XXXXXXXX, which XXXX  confirmed would be deleted but remains on my report,. It is the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. TransUnions refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting accounts without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NE

Complaint narrative:
They have been calling family members and my ex husband trying to get information on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: OH

Complaint narrative:
I am a victim of identity theft I recently review my credit report and seen i had fraudulent accounts this hurting my life and unable to sustain can you please remove all fraudulent accounts please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/year> CAINE & WEINER XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute & Validation Demand CAINE & WEINER ACCT XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C . 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : CAINE & WEINER Account # : XXXX Legal Demands : XXXX. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation 2. Immediate Suppression of the disputed item pending investigation 3. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA 616/617 regarding willful or negligent non-compliance Required Actions : 1. Conduct investigation within 30 days as mandated by law 2. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures 3. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 

Sincerely, BY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-28 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-29 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: CA

Complaint narrative:
I am filing this complaint against TransUnion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The following accounts in question are : BANK XXXX XXXX XXXX Late Dates XXXX. XXXX & XXXX XXXX XXXX Late Dates XXXX XXXX to XXXX XXXX ; XXXX. XXXX to XXXX. XXXX. These late payment notations are thedirect result of the furnishers internal reporting errors. I never failed to make timely payments on these account. The furnishers misreported my payment history to TransUnion, yet TransUnion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with TransUnion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable.

TransUnion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, XXXX reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my XXXX XXXX and ability to obtain favorable credit terms.

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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I opened a checking and savings account with XXXX. I deposited {$500.00} from my bank account which was the terms in order to mobile deposit a check. They did not accept my mobile deposit and then restricted my account. When I call they say they are closing the account but its been XXXX weeks and the account still isnt closed. I do not have access to my funds in the account because of this. When I call and ask for information they just say the account is being closed and give no time frame or what policy/rules I broke.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have several accounts that are not reporting to the credit bureaus ( Experian, TransUnion, and Equifax ). The accounts are : loan account # XXXX, # XXXX, and # XXXX. I also have XXXX credit cards not reporting. A cash rewards visa ending in XXXX and a go rewards ending in XXXX. All XXXX of these accounts are from XXXX XXXX XXXX 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 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Had several accounts opened by someone who stole my idenity and opened accounts credit cards and checking accounts. Person was caught and prosecuted and is in prison for XXXX counts I sent courts orders nd conviction of the person who plead guilty to, at my own expense to the original debtors and to collections agencys Ive disputed to the best of my ability with XXXX credit bureaus. Ive requested debt validation showing signature. I was even willing to pay and settle the debt whichs only about XXXX $ if they would provide a letter saying they would remove it they have not responded its always seems o be foreign call centers because the people XXXX phones dont speak XXXX very well. XXXX capital and capital one and credit XXXX all call XXXX to 4 times a day threatening me XXXX # for the person convicted of the identy theft on me XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
These accounts were opened without my consent and should be removed per USC 1681g. I expect resolution within XXXX  days. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this complaint against American Express National Bank for fraudulent debt collection, credit reporting, and failure to disclose securitization of my account. 
On or about XX/XX/XXXX and XX/XX/XXXX, I issued multiple written and validation requests to American Express. They failed to provide proper validation, producing only account statements and not the chain of title, assignment, or proof of lawful ownership.

I have asked American Express to confirm or deny 4 simple questions ( 1 ) Was my account securitized? ( 2 ) Was my account sold. If so, I do not you anything. ( XXXX ) Was my account transferred into an SPV ( Special Purpose Vehicle ) and traded on the secondary market? No response to my questions! However, I have been sent stacks of statements! 
As a results, American Express, my platinum card with a balance of {$8700.00}. However, my account was already securitized and sold into an asset-backed trust under ( XXXX XXXX. XXXX ). 
The securitized pool tied to this CUSIP has a net value exceeding {>= $1,000,000} XXXX, yet AmEx continues to pursue me personally for a debt they no longer own or control.

Despite securitization and payoff, AmEx continues to furnish inaccurate negative tradelines to XXXX XXXX XXXX XXXX causing severe damage to my credit score and ability to obtain housing, credit, or business financing. 
American Express has a copy of my XX/XX/XXXX statement for my XXXX credit card but the account number listed is not the same account number I have on my statement XX/XX/XXXX statement. This account has been closed nearly a year. Therefore, no new account should exist with my name or business on it that I did not open or authorize. 
In conjunction with securities fraud, I will be filing my complaint with the Attorney General and the SEC. 
I have disputed the account over the course of months. XXXX XXXX XXXX XXXXXXXX XXXX continue to come back stating the account was verified. This is false, they never provided their method of verification and because of the truth and proof, they will also be included in my lawsuit for violating the FCRA. 
Therefore, there is fraud, misrepresentation, breach of contract, omission of facts, failure to properly validate and possible securities fraud. I have 4 additional accounts with similar circumstances and very obvious fraud involved. I will be filing the next 4 complaints following this filing. I will be filing my lawsuit on American Express. I have attached responses stating how they only sent statements when it does not address the action questions or lawfully validation of an account. I have my statements showing multiple account numbers for my initial account that was closed and the account I did not open or authorize. Finally, I have the CUSIP to show the original account and the new account I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
I am formally requesting validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 809. Please provide documentation that verifies this debt, including but not limited to : The name and address of the original creditor. 

The original account number. 

The amount of the alleged debt, including a breakdown of fees, interest, and other charges. 

Proof that you are legally authorized to collect on this debt in my state. 

Copies of any judgments, contracts, or agreements that prove I am legally obligated to pay. 

Be advised that until proper validation is provided, you must cease all collection activity and reporting of this debt to credit bureaus, as continued reporting without validation violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

This request is not an acknowledgment of liability for the alleged debt. Please also note that all further communications must be in writing. 

I expect your full compliance with federal law and look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-28 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: GA

Complaint narrative:
Equifax is reporting incorrect late payments on my XXXX XXXX XXXX account ( Account # XXXX, opened XX/XX/XXXX ). Specifically, the report shows late payments for XX/XX/XXXX and XX/XX/XXXX, which never occurred. I formally requested a reinvestigation under the Fair Credit Reporting Act ( FCRA ), but Equifax has failed to provide verified documentation proving the accuracy of these late payments. 

This inaccurate reporting is harmful to my creditworthiness and violates the FCRA, including 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information, and 1681s-2 ( b ), which requires furnishers to ensure reported information is accurate and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: MO

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 XXXX 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 : 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 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 explanation
Consumer complaint received 2025-08-28 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: CO

Complaint narrative:
I am writing to dispute the presence of accounts being reported under my name without my knowledge, consent, or authorization. I have never opened, authorized, or managed these accounts. Their reporting is both inaccurate and misleading, and it misrepresents my financial history. 

This matter is extremely concerning to me, as I take my credit profile very seriously. I request immediate clarification as to why these accounts are appearing on my credit report and who is responsible for reporting them.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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