vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XX/XX/2025 MIDLAND CREDIT MANAGEMENT XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Re : Debt Validation and Verification Request XXXX XXXX / FDCPA-809 ( b ) & FCRA Sections 602A, 607B, 611A-1 Account NumberXXXX To Whom It May Concern, I am writing regarding the above-referenced account. Under FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) and FCRA 602A, 607B, 611A-1, I am requesting full and complete validation and verification of these alleged debts.

Specifically, I am requesting the following documentation : 1. The original signed contract or agreement evidencing my obligation to the original creditor.

2. The complete chain of title, including all transfers, assignments, or sales of this debt, any proof of securitization from the original creditor to your agency.

3. Proof of ownership and authority to collect, including any agreements or instruments showing your legal right to collect this debt.

4. Itemized accounting of the alleged debt, including principal, fees, interest, and any other charges applied.

Additionally, I request that you verify all information being reported to any credit reporting agency is accurate and substantiated. If you can not provide complete verification and documentation within 30 days of receipt of this letter, you are required under FCRA 611 ( a ) ( 1 ) and 607 ( b ) to delete any negative reporting related to this account from all credit bureaus immediately.

Please provide, copies of all requested documentation ; originals are not required. Until such verification is provided, you must cease all collection activity and refrain from further reporting of this account.

Failure to comply with this request may result in a formal dispute with the credit reporting agencies and any other legal remedies available to me under federal law. 

Thank you for your prompt attention. I expect your response within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CA

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$21000.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} Original Creditor XXXX  XXXX  XX/XX/year>

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 2025-11-14 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: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this statement to formally report Experians continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XXXX, XXXX  and XX/XX/year>, Experian has failed to remove or block the fraudulent XXXX  XXXX  XXXX. that were opened as a result of identity theft. This inaction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c-2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided Experian with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report No. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit 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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-14 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MA

Complaint narrative:
I am submitting this complaint to formally dispute several inaccuracies I have identified on my credit report. Upon reviewing my recent credit report, I noticed that certain personal information and account details do not accurately reflect my identity or my financial obligations. These inaccuracies have caused confusion and could unjustly harm my creditworthiness. 
My credit report lists variations of my name, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have never used these names in any official capacity, nor are they associated with my financial accounts. Under FCRA 609 ( a ) ( 15 U.S.C. 1681g ), I am entitled to request a complete disclosure of the information in my file, and any inaccuracies must be removed promptly. 
My report lists addresses that are not valid for me, including,XXXX GREW XXXX XXXX & XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX and XXXX XXXX, XXXX XXXX MA XXXX. I have only resided at my current address : XXXX XXXX XXXX XXXX XXXX, MA XXXX. The presence of these incorrect addresses violates FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ), which obligates furnishers to ensure that the information they report is complete and accurate. 
There is a reported charge-off account with XXXXXXXX XXXX XXXX  Balance Owed : {$1000.00}, for which I believe a Form 1099-C ( Cancellation of Debt ) may have been issued. I dispute the accuracy of this reporting because the issuance of a 1099-C may indicate that the debt was forgiven, discharged, or incorrectly reported. According to FCRA 611 ( a ) ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. The credit bureau must conduct a reasonable investigation and remove any unverifiable. 
I am deeply concerned that these inaccuracies both in personal identifiers and financial accounts may negatively affect my credit opportunities, including loans, employment verifications, and housing applications. These errors are not reflective of my true financial history, and I request that all inaccurate names, addresses, and account information be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MA

Complaint narrative:
I am submitting this complaint to formally dispute several inaccuracies I have identified on my credit report. Upon reviewing my recent credit report, I noticed that certain personal information and account details do not accurately reflect my identity or my financial obligations. These inaccuracies have caused confusion and could unjustly harm my creditworthiness. 
My credit report lists variations of my name, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I have never used these names in any official capacity, nor are they associated with my financial accounts. Under FCRA 609 ( a ) ( 15 U.S.C. 1681g ), I am entitled to request a complete disclosure of the information in my file, and any inaccuracies must be removed promptly. 
My report lists addresses that are not valid for me, including,XXXX GREW XXXX XXXX & XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX and XXXX XXXX, XXXX XXXX MA XXXX. I have only resided at my current address : XXXX XXXX XXXX XXXX XXXX, MA XXXX. The presence of these incorrect addresses violates FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ), which obligates furnishers to ensure that the information they report is complete and accurate. 
There is a reported charge-off account with XXXXXXXX XXXX XXXX  Balance Owed : {$1000.00}, for which I believe a Form 1099-C ( Cancellation of Debt ) may have been issued. I dispute the accuracy of this reporting because the issuance of a 1099-C may indicate that the debt was forgiven, discharged, or incorrectly reported. According to FCRA 611 ( a ) ( 15 U.S.C. 1681i ), I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. The credit bureau must conduct a reasonable investigation and remove any unverifiable. 
I am deeply concerned that these inaccuracies both in personal identifiers and financial accounts may negatively affect my credit opportunities, including loans, employment verifications, and housing applications. These errors are not reflective of my true financial history, and I request that all inaccurate names, addresses, and account information be removed from my credit report.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
XXXX closed my account with them and I have accumulated XXXX rewards points on my credit card that at their standard redemption rate of 1 cent per point is worth {$150.00}. 

I reached out to them to have them send me the cash value of the points I accumulated as per New York XXXX ( New York XXXX ( XXXX XXXX XXXX XXXX ) obligates credit card companies to give a XXXX grace period to New York residents to use their accumulated points after a rewards program is modified, canceled, or closed ). 

They refused to send me the funds despite me informing them it was required by law and this is a gross violation of the law of the state I am a resident of and i would like to have my funds paid out to me as is legally mandated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AR

Complaint narrative:
I previously submitted a dispute regarding inaccurate account information and an unauthorized inquiry appearing on my credit report. Under the Fair Credit Reporting Act, I have the right to accurate reporting, the right to review my file under Section 609 ( a ) ( 1 ), and the right to a proper reinvestigation under Section 611 ( a ) ( 1 ) ( A ), which requires the deletion of inaccurate or unverifiable information within the required timeframe. Section 607 ( b ) further mandates maximum possible accuracy when furnishing consumer data. The items in dispute include XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3100.00}, XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$350.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, as well as the inquiries from XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXXXXXX XXXX dated XX/XX/XXXX, and XXXX XXXX dated XX/XX/XXXX. I am also disputing these accounts and inquiries under FDCPA 807 and 808, which prohibit false, misleading, or unfair reporting, and under FCRA Sections 605 ( a ) and 605B, which require the deletion of obsolete, inaccurate, or unverifiable information, including inquiries. Despite my dispute, I have not received any verification, correction, or confirmation of a completed reinvestigation, and the inaccurate information remains on my credit report without proper explanation. This failure to respond and failure to ensure accuracy constitutes a violation of the reinvestigation and accuracy requirements under the FCRA and the prohibitions against unfair or misleading reporting 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 explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
I am submitting this correspondence once again to express my deep concern over information that remains inaccurately reported on my credit file. This marks my fifth formal attempt to have these matters fully investigated and resolved. Despite my previous correspondence and submission of supporting documentation, certain accounts continue to reflect incomplete, inaccurate, or unverifiable data. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$43000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} It is disheartening to see these same inaccuracies persist, as they continue to distort the accuracy and integrity of my credit profile. These ongoing errors negatively impact my creditworthiness and misrepresent my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MA

Complaint narrative:
I am submitting this complaint to bring to your attention several inaccuracies in my credit report that misrepresent my true payment history and request that they be corrected to reflect accurate information. Upon reviewing my credit file, I noticed that several accounts are reflected with late payments and balances that do not match my records. 
For example, my account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX shows a XXXX late status with a balance of {$370.00} as of XX/XX/XXXXXXXX XXXX XXXX  and my XXXX XXXXXXXX XXXX XXXX XXXX XXXX is reported as 60 days late with balances of {$1400.00}, with reported late days of XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, and XX/XX/XXXX 30 days late. My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX is reported as 90 days late with a balance of {$800.00}, and late activity on XX/XX/XXXX 30 days late and XX/XX/XXXX 60 days late. Similarly, XXXX XXXXXXXX XXXX XXXX XXXX XXXX reflects 60 days late with a balance of {$360.00}, with late days on XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, and XX/XX/XXXX 30 days late. My XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account shows multiple late days, including XX/XX/XXXX 30 days late, XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, and XX/XX/XXXX 90 days late, with a balance of {$1200.00}. Lastly, XXXX XXXX is reported with a balance of {$37000.00} and late days of XXXX 30 days late, XXXX 60 days late, XX/XX/XXXX 60 days late, and XX/XX/XXXX 30 days late. 
These reported late days and balances do not accurately reflect my true payment history, and I am concerned that these inaccuracies are adversely affecting my creditworthiness. Under FCRA 607 ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. FCRA 609 ( a ) ( 1 ) grants me the right to request all information in my file, and FCRA 611 ( a ) ( 1 ) provides that I can dispute incomplete or inaccurate information and have it reinvestigated. Additionally, FCRA 623 ( a ) ( 2 ) and 623 ( b ) impose a duty on furnishers to promptly correct and update inaccurate information after a reasonable investigation. FCRA 602 ( a ) emphasizes Congress purpose to promote fairness, accuracy, and integrity in credit reporting, and FCRA 615 ( a ) prohibits adverse actions based on inaccurate information. 
I have included copies of statements and supporting documentation for your review to assist in verifying the correct payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MA

Complaint narrative:
I am submitting this complaint to bring to your attention several inaccuracies in my credit report that misrepresent my true payment history and request that they be corrected to reflect accurate information. Upon reviewing my credit file, I noticed that several accounts are reflected with late payments and balances that do not match my records. 
For example, my account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX shows a XXXX late status with a balance of {$370.00} as of XX/XX/XXXXXXXX XXXX XXXX  and my XXXX XXXXXXXX XXXX XXXX XXXX XXXX is reported as 60 days late with balances of {$1400.00}, with reported late days of XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, and XX/XX/XXXX 30 days late. My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX is reported as 90 days late with a balance of {$800.00}, and late activity on XX/XX/XXXX 30 days late and XX/XX/XXXX 60 days late. Similarly, XXXX XXXXXXXX XXXX XXXX XXXX XXXX reflects 60 days late with a balance of {$360.00}, with late days on XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, and XX/XX/XXXX 30 days late. My XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account shows multiple late days, including XX/XX/XXXX 30 days late, XX/XX/XXXX 30 days late, XX/XX/XXXX 60 days late, and XX/XX/XXXX 90 days late, with a balance of {$1200.00}. Lastly, XXXX XXXX is reported with a balance of {$37000.00} and late days of XXXX 30 days late, XXXX 60 days late, XX/XX/XXXX 60 days late, and XX/XX/XXXX 30 days late. 
These reported late days and balances do not accurately reflect my true payment history, and I am concerned that these inaccuracies are adversely affecting my creditworthiness. Under FCRA 607 ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information reported. FCRA 609 ( a ) ( 1 ) grants me the right to request all information in my file, and FCRA 611 ( a ) ( 1 ) provides that I can dispute incomplete or inaccurate information and have it reinvestigated. Additionally, FCRA 623 ( a ) ( 2 ) and 623 ( b ) impose a duty on furnishers to promptly correct and update inaccurate information after a reasonable investigation. FCRA 602 ( a ) emphasizes Congress purpose to promote fairness, accuracy, and integrity in credit reporting, and FCRA 615 ( a ) prohibits adverse actions based on inaccurate information. 
I have included copies of statements and supporting documentation for your review to assist in verifying the correct payment history.

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