vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: CL Holdings LLC
State: CA

Complaint narrative:
I did not authorize this transaction. I believe my information was sold from one Collection Agency to the next. I would like this remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: AZ

Complaint narrative:
ou have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
ou have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: NY

Complaint narrative:
Im involved with debt management company named XXXX XXXXXXXX After Pay XXXX is one of the last 2 debts left to clear and on XX/XX/XXXX they reached out to them to request a statement to negotiate the payoff of my debt. After Pay refused to cooperate and my finance company asked me on XX/XX/XXXX to reach out to them to get the document. I called After Pay and was told my account was frozen, and that I would have to make a payment in order to receive a statement. I informed XXXX XXXX of the development and filed a complaint with the XXXX XXXX XXXX. After some correspondence with After Pay and the XXXX XXXX XXXX, After Pay stated they wanted to know the debt management company I was involved with and, any written correspondence involved with such, even though XXXX  contacted them on XX/XX/XXXX. On XX/XX/XXXX, XXXX informed me that After Pay stated that they couldnt find my account, prompting XXXX to threaten to drop them from my debt management program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
Im writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act.

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Improper Collection Phone Call I received a call from a debt collection law firm attempting to collect on an alleged debt that I was not previously notified about in writing.

During the call, I explicitly stated that I do not consent to verbal communications and requested all communications in writing. 
2. Failure to Provide Debt Validation I requested written validation of the alleged debt, including : A copy of the original signed agreement.

Full payment history.

Chain of custody/assignment of the debt.

I also instructed the firm to cease all collection efforts until proper validation was provided.

Despite this lawful request, I have never received the written notice or validation required under the FDCPA. 
3. Credit Reporting Issues Midland Funding continues to report this alleged debt as a derogatory collection account across XXXX XXXX XXXX XXXX XXXX XXXX 
This account is flagged as REMOVE in my credit reporting records but remains active and damaging to my consumer credit profile.

Violations Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692g ( Validation of Debts ) : Requires collectors to provide written validation within 5 days of initial communication.

15 U.S.C. 1692c : Prohibits communication with consumers once written notice to cease verbal communication is given.

15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations in debt collection.

15 U.S.C. 1692f : Prohibits unfair or unconscionable collection practices.

Fair Credit Reporting Act ( FCRA ) : 1681e ( b ) : Obligation to ensure maximum possible accuracy of consumer reports. 
1681i ( a ) ( 1 ) ( A ) : Duty to reinvestigate disputed items within 30 days.

1681i ( a ) ( 5 ) : Duty to delete inaccurate or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own.

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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 writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-08-26 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: DE

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: WA

Complaint narrative:
Consumer Information Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Last Four of SSN : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, WA XXXX Government-Issued ID : XXXX Statement of Dispute Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b and 1681c-2, I formally dispute the following hard inquiries appearing on my Experian credit report. These inquiries were made without my knowledge, consent, or authorization and therefore lack a permissible purpose as required under 1681b. 
Fraudulent Hard Inquiries ( Experian Report ) : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Seen XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These inquiries do not reflect transactions or applications I made or authorized. As such, Experian is obligated to block them under 15 U.S.C. 1681c-2 once provided with proper identification and an identity theft report.

Supporting Authority & Notice of Legal Obligations Experian has a documented reputation for acting in bad faith and is subject to ongoing litigation over repeated violations of the FCRA. Courts have consistently recognized that : XXXX XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) : Credit denials and XXXX XXXX caused by failure to block fraudulent information constitute compensable damages. 
XXXX v. Experian  XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX Mich. XXXX ) : A CRAs failure to reasonably investigate and remove disputed items after notice gives rise to liability under the FCRA. 
XXXX v. Experian XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Reinsertions and continued reporting of unauthorized accounts after dispute constitute willful violations. 
These cases illustrate the very counts Experian would violate if it fails to comply with this dispute in good faith.

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 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center.

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-08-26 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Certegy Holdings, LLC
State: SC

Complaint narrative:
I have attached a time line in the download section. We are a small business. We are a victim of fraud. Someone created check ( s ) and cashed them at XXXX starting on XX/XX/XXXX for $ XXXX for {$480.00} and $ XX/XX/year> for $ XXXX.Certegy Payment solutions is the processing company used by XXXX. Certegy Approved the fraudulent checks. We have fraud protection on our account, so the checks were rejected by our bank ( XXXX XXXX ). We were contacted by two different debt collectors at the time working on behalf of Certegy around XX/XX/year>. We provided ample enough information at the time including correspondence with a police report to inform the collectors it was fraud. Certegy Payment Solutions continued to vigorously pursue debt collection. On XX/XX/year> we received notices from XXXX, XXXX XXXX XXXX attempting to collect debt .. We sent letters informing them of the situation as well as made corresponded by phone. XXXX informed us that they were a 3rd party collection company and this debt would go on our credit if we did not pay the fraudulent checks. Our small company is a victim of fraud and are unfairly being harassed by XXXX and there partners. Documents have been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I have a Best Buy credit card through Citi Bank. Recently, Ive fallen behind on payments because my boyfriend is currently XXXX and we have a XXXX XXXX to care for. Despite being late, I have always managed to make the payments. 

Over the past couple of weeks, I have been receiving two to three collection calls each day. On XX/XX/XXXX, I received two calls in the morning and four consecutive calls in the XXXX. After the fourth call, my boyfriendwho is also listed on the accountanswered the phone. The representative spoke in a rude and condescending manner. When we mentioned the excessive number of calls, the representative dismissively stated that it did not matter. Frustrated, my boyfriend informed them that we would be making the payment on Friday.

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 2025-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
Contacted XXXX XXXX XXXX XX/XX/year> requesting MPN was told they did not have that informationand was directed to my loan servicing provider ( Nelnet ) on XX/XX/year> and was told they did not have that information and to reach out to XXXX XXXX XXXX  I contacted the University XXXX Tennessee XX/XX/year> and was told they didnt have that information and to contact XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am requesting an investigation of the inaccurate reporting of a bankruptcy on my credit reports. These entries are incorrect with all bureaus. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ), remove or correct inaccurate/incomplete information upon dispute ( 15 U.S.C. 1681i ), and may not report bankruptcies beyond 10 years ( 15 U.S.C. 1681c ). I have a right to accurate and fair credit reporting.

I have disputed this matter directly with the credit bureaus, but they have failed to provide proper verification or remove the entry. This violation is causing harm to my credit and financial opportunities.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting an investigation of the inaccurate reporting of a bankruptcy on my credit reports. These entries are incorrect with all bureaus. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ), remove or correct inaccurate/incomplete information upon dispute ( 15 U.S.C. 1681i ), and may not report bankruptcies beyond 10 years ( 15 U.S.C. 1681c ). I have a right to accurate and fair credit reporting.

I have disputed this matter directly with the credit bureaus, but they have failed to provide proper verification or remove the entry. This violation is causing harm to my credit and financial opportunities.

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