vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Central Portfolio Control XXXX XXXX  XXXX XXXX XXXX, MN XXXX Subject : Request for Debt Validation under the FDCPA To Whom It May Concern : I am writing in regard to an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( Section 809 ), I dispute the validity of this debt in its entirety and hereby request full validation of the same. 
Because this matter directly impacts my credit history, I am requesting the following documentation : Proof of responsibility for the debt A copy of the original signed agreement or any document that confirms my legal obligation with the original creditor. 
Details of the amount owed A detailed breakdown of all charges, including interest, additional fees, and payments made. 
A copy of the last billing statement issued by the original creditor. 
The exact balance owed at the time of transfer and any subsequent charges applied. 
Information about the original creditor Full name and address of the original creditor. 
Original account number. 
The date the debt was transferred and the entity that acquired it. 
Proof of authority to collect this debt Documentation proving your agency is legally authorized to collect this debt. 
A copy of your debt collection license in my state, including license number and issuing regulatory authority. 
Additional requested information The original due date of the debt and the date it was first considered delinquent. 
Confirmation that the debt remains within the applicable statute of limitations. 
Under the Fair Credit Reporting Act ( FCRA ), if you can not provide proper validation, I request that this debt be removed from my credit report. Reporting inaccurate or unvalidated information may constitute a violation of the FCRA, and I reserve the right to pursue all appropriate legal remedies. 
If adequate validation is not provided within the legally required timeframe, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant state and federal authorities. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: NY

Complaint narrative:
This is not a minor dispute. Multiple accounts on my credit report are being reported without the maximum possible accuracy required by 15 U.S.C. 1681e ( b ). These inaccurate tradelines have persisted despite my attempts to correct them and are causing real, measurable harm to my credit score, financial opportunities, and peace of mind. I review my file regularly and will not tolerate continued reporting of information that can not be verified to the statutory accuracy standard.

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was at a casino in XXXX  and lost my wallet with debit card after withdrawing money. I checked my account and saw that my card was used in XXXX for {$310.00} that I did not authorize. I am not able to even go to XXXX and when I called the bank to tell them about my card being used they said they were gon na do an investigation and return the money in 10 days. They have not returned the money.

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 2025-11-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX -- -- Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX -- -- XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) # XXXX -- -- OpenedXXXX XXXX XXXX XXXX # XXXX XXXX- -- OpenedXXXX XXXX  # XXXX -- -- XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) # XXXX -- -- Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX -- -- XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) # XXXX -- -- OpenedXXXX XXXX XXXX XXXX # XXXX XXXX- -- OpenedXXXX XXXX  # XXXX -- -- XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Data Breach XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Data Breach XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: HI

Complaint narrative:
TSYS, Direct Payment Consultants, aka XXXX Payments Simplified, aka XXXX, aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX XXXX, XXXX processed credit card payments for our company, they regularly added fees when calls were made regarding fees charged. When called they said there would be a refund but Never refunded any amount. There are XXXX statements showing these fees I could send more. 
Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
My mortgage servicer, Citizens ( XXXX # XXXX ), is reporting a false 90-day delinquency despite my payments being made on time and processed successfully for the past 12 months. 
I request the CFPB compel Citizens Bank to : I have attached : Bank payment history showing consistent monthly electronic payments Their own delinquency notice, which contradicts itself County tax records proving proper handling of escrowed taxes ( I paid on the XX/XX/XXXX XXXX it shows as online echeck ) PLUS loan denial letter directly caused by their false reporting I have suffered measurable harm, including denial of federal student aid due to this false reporting. 
Servicing Errors : Misapplication of XXXX XXXX  payments False delinquency reporting to credit bureaus Failure to respond to multiple requests for escrow breakdowns Failure to provide a mortgage payment increase justification Failure to provide an escrow analysis Foreclosure threats during an unresolved dispute Refusal to investigate errors Major credit harm ( student loan denial, rental denials, interest increases ) I mailed a RESPA Notice of Error requesting a full payment history, escrow accounting, and correction of the false delinquency. They have not responded. The evidence shows I paid on time, yet they continue to report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-28 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: TX

Complaint narrative:
I asked XXXX to please provide me we with account verification that I never received including not limited to a XXXX tax document and statements from the account. This account was used to pay medical bills for my employees for my business as this was a business credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
Im writing because I discovered a credit inquiry on my report that I did not authorize or consent to in any way. This inquiry was done online and is completely fraudulentI had no knowledge of it until I reviewed my credit report.

Let me be absolutely clear : I did not apply for any credit, service, or product that would have required this inquiry. I never gave anyone permission to access my credit file, and I certainly did not authorize it through any online platform. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires any credit inquiry to be made only with my explicit consent and for a legitimate, permissible purpose. 

This is identity misuseplain and simple. And I should not have to suffer the consequences of a fraudulent action I had no part in. A hard inquiry, especially one that I did not authorize, affects my credit score and puts my financial reputation at risk.

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 2025-11-28 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: OR

Complaint narrative:
Category : Charged-Off Accounts AA XXXX XXXX XXXX Account XXXX : XXXX Date Reported : XX/XX/XXXX Balance Reported : {$0.00} Statement : I am disputing this charged-off account. The information is inaccurate and unverifiable. Please provide all documentation showing how this debt was verified, including the full payment history, charge-off details, and creditor validation. If verification can not be provided, please remove this entry from my Experian credit report. 

XXXX XXXX Account # : XXXX Date Reported : XX/XX/XXXX Balance Reported : {$0.00} Statement : I am disputing this charged-off account as inaccurate. I request full validation and investigation under FCRA 611. The account reports as charged off with a {$0.00} balance, which suggests it may have been settled or recalled. If the furnisher can not verify the accuracy of this data, please delete it from my Experian 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 2025-11-28 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: SC

Complaint narrative:
I am disputing the following inquiry on my credit report with Experian. This inquiry appears to be inaccurate and was not authorized by me. I request that it be investigated and removed from my credit report. 

XXXXXXXX XXXX XXXXXXXX, 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 2025-11-28 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: FL

Complaint narrative:
I have no record of approving these inquiries and suspect unauthorized access. Please investigate and take necessary steps. Documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: MD

Complaint narrative:
I am writing to dispute certain information on my credit reports that I believe to be inaccurate or incomplete. Below are the details of the disputed accounts, separated by each credit bureau : EXPERIAN ( XXXX ) CHARGED OFF XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$4000.00} XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} INQUIRIES XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX LATE PAYMENT XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2025-11-28 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: LA

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX. Identity Theft XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: SC

Complaint narrative:
I am disputing the following accounts due to inaccuracies and incomplete reporting on my credit report. 

Charged Off XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX - Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$6100.00} Inquiries XXXX XXXX - Date : XX/XX/XXXX Positive [ No positive items listed for TU ] Late Payment XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  - Account Number : XXXX XXXX - Account Number : 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