vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint because Southwest Recovery Services has failed to provide any verification or documentation supporting their claim of a debt allegedly owed by me. I sent them a formal validation request in XXXX and again on XX/XX/XXXX. Both letters were sent to dispute the alleged debt and to request all supporting documentation, including proof of assignment and compliance with state and federal laws. 

Despite my clear and lawful requests, Southwest Recovery has failed to provide any verification of this alleged debt. Instead, they falsely claimed in a previous CFPB response that documentation had been sent to me, when in fact, I have received nothing. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, the debt collector must cease collection efforts until they provide proper validation of the debt. Furthermore, failure to properly respond to a lawful dispute and continued collection activities, including reporting to credit bureaus without validation, is a violation of federal law.

Additionally, the Texas Finance Code 392 requires a debt collector to validate debts and maintain compliance with consumer protections in this state. This companys lack of response is a violation of both federal and Texas state law. If this matter is not resolved promptly, I intend to file a lawsuit under the FDCPA and Texas Debt Collection Act for : Failure to validate the debt ( 15 U.S.C. 1692g ( b ) ) Continued collection efforts without proper validation False or misleading statements ( XXXX5 U.S.C. 1692e ) Violations of Texas Finance Code 392 I am seeking not only correction of my records but damages, attorneys fees, and court costs as allowed by law. 

Ive attached final letter that was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
b'I am disputing incorrect late payment marks that were reported on my credit report for the following accounts. While I was out of the country, I was unable to make payments on these accounts on time, but I have since brought all accounts current. I believe the reporting does not accurately reflect my situation and is damaging my credit history.\n\nHere are the details of the accounts with reported late payments:\n\n1. CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payment reported: XXXX XXXXDuring the period when these late payments occurred, I was traveling internationally and was unable to access my accounts to make timely payments. I can provide supporting documentation, including travel tickets, passport with boarding stamps, and proof of my presence abroad, to confirm this.  \n\nI respectfully request that you review this information, consider the circumstances, and remove the inaccurate late payment marks from my credit reports to reflect an accurate payment history.\n\nThank you for your attention to this matter.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( XXXX XXXX XXXX ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XXXX, XXXX, I utilized the CashApp ( XXXX feature ) and the funds were deposited on XX/XX/year>. The amount was deposited once but they have double charged me for the same loan. It appeared that maybe there was a glitch in their system. I contacted them almost XXXX weeks ago to began the process once I noticed it and no one is assisting me. I just keep getting tossed around and getting people that barely speak English. I went through the app and have sent several documents showing the transactions. I have XXXX open cases and no one is attempting to resolve this issue. Now they have gone into my personal account and began taking money out. The loan in question has already been paid and I presented proof of that as well. This is very disturbing and I don't have money to give away. I have utilized this service several times and have made all of my payments on time and in some cases have paid it off before the due date. I have submitted documents showing the initial payment I made to XXXX for XXXX that was added to my cashapp balance, then where I paid it off and then where they start taking the same amount out again beginning XXXX. It was broken down into XXXX amounts of XXXX ( final payment was paid on XXXX for loan id XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 the victim of identity theft and discovered that numerous fraudulent hard inquiries and accounts were reported to my credit file without my knowledge or authorization. 

Between XX/XX/XXXX and XX/XX/XXXX, over 25 hard inquiries were made by auto dealerships and financial institutions with whom I have never applied for credit. In addition, multiple fraudulent accountsincluding from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and othershave appeared on my report, seriously damaging my credit profile. 

I have not authorized any of these applications or accounts, and they clearly indicate unauthorized use of my personal information. I immediately filed an FTC Identity Theft Report and submitted it with proof of identity ( government ID, Social Security card, and utility bill ). 

Despite submitting all required documents, these fraudulent items remain on my credit report, violating my rights under the Fair Credit Reporting Act, specifically : 15 USC 1681c2 ( requires blocking of fraudulent info within 4 business days ) 15 USC 1681b ( c ) ( prohibits reporting unauthorized inquiries ) I have already taken all reasonable steps to notify the agencies and expect full compliance. 

Fraudulent Accounts to be Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in XXXXXXXX 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 2025-07-17 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: LA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX CARD - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2100.00} INQUIRIES : XXXX Date : 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 2025-07-17 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
I was making payments on time for one year and they said I still owe the whole loan now it has so much interest added that they are making it impossible to pay the loan and everyday it is getting worst for me and I am suffering froXXXX XXXX trying to live off my XXXX check and I believe that the company targeted me for my XXXX knowing I would eventually not be able to pay the loan because of the high payments added on and the high interest and fees added on and now they have me in collections at XXXX XXXX and they are threatening me with charge off and they call me and email me every day from all different numbers and I try to talk to them and explain my hardship and they are still demanding the full loan like I never made any payments after a full year of me paying {$82.00} per month

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
I found two unauthorized hard inquiries on my Experian credit report from XXXXXXXX XXXX  dated XX/XX/year> and XX/XX/year>. I never applied for credit on or around those dates and never gave permission for these inquiries. There is no resulting account or tradeline tied to either pull, which means these inquiries were made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ) 604.

I sent a written dispute directly to Experian demanding verification under FCRA 609 ( a ) ( 1 ). I specifically asked for proof of authorization signed application or any documentation showing I initiated credit requests. Experian failed to provide this documentation or conduct a proper reinvestigation as required by FCRA 611.

Furthermore, these inquiries appear to be reporting beyond the reasonable retention period under FCRA 605 ( a ) ( 5 ). Experians continued reporting of unverifiable and unauthorized inquiries exposes me to further harm and constitutes willful noncompliance, for which they are liable under FCRA 1681n.

Experian also appears to be discriminating against my dispute because I had assistance preparing my letter. This is a violation of FCRA 1681i. Consumers are allowed to dispute with help, and nowhere in the law does it state that a dispute must be handwritten or self-drafted.

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 2025-07-17 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: MD

Complaint narrative:
I am requesting the immediate and permanent deletion of the following fraudulent accounts and hard inquiries from my credit report, as they were not authorized by me and resulted from identity theft : Fraudulent Inquiries : 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  Account # : XXXX These items were not authorized by me and are the result of identity theft. I have submitted the required documentation, including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address, as required under 15 USC 1681c2 .

Under the Fair Credit Reporting Act ( FCRA ), you are legally obligated to block and delete this fraudulent information within XXXX business days of receiving valid documentation. 

Additionally, I request : An updated copy of my credit report reflecting the removals Written confirmation that these items have been permanently deleted Failure to remove these fraudulent entries will result in further action, including complaints to the CFPB, FTC, State Attorney General, and potential legal remedies. 

This resolution is fair and consistent with my rights as a consumer under FCRA and federal identity theft protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-17 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: WI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau, I am submitting this formal complaint regarding a fraudulent debt being reported and collected by Midland Credit Management XXXX Inc. ( MCM ) on behalf of XXXX, XXXX, related to a XXXX XXXX credit account ending in XXXX. 

On XX/XX/2025, I received a notice from MCM claiming I owe {$2200.00} on this account. However, I want to clearly state that : I never opened this account, I already informed XXXX this account was opened fraudulently, I submitted a formal identity theft report with the Federal Trade Commission ( FTC ), And I have also filed a police report regarding this matter. 

Despite all this, XXXX allowed Midland Credit Management to acquire and attempt to collect on this debt, which is completely inappropriate and in violation of my consumer rights. 

Additionally, the address associated with the account XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is not, and has never been, my address. 

My correct address is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 

This situation is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Continuing to pursue this debt and report it as valid after being informed of fraud is unacceptable. 

I am requesting the following : XXXX. That Midland Credit Management immediately cease all collection efforts. 
XXXX. That this fraudulent account be permanently removed from my credit reports ( XXXX, XXXX, and XXXX  ). 
XXXX. That XXXX and MCM be investigated for their failure to prevent the continued reporting and sale of a known fraudulent account. 

I have attached my FTC Identity Theft Report to this complaint. 

Thank you for your attention. I request written confirmation once this complaint has been accepted and is being reviewed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief