vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing this complaint regarding an account reported by Midland Credit Management ( MCM ) on my credit report. I initially disputed this account a few years ago for the following reason : Around the same time, I received XXXX separate lettersone from XXXX attempting to collect on a past-due account and another from Midland Credit Management for the same debt, with no explanation of the account transfer or assignment. I had never received prior notice from XXXX that the account had been sold or transferred. The simultaneous collection attempts and lack of transparency made me believe the MCM letter might be a scam or fraudulent, prompting my dispute. 

Recently, I contacted Midland Credit to inform them that I no longer wish to dispute the account. I was advised to use their company portal to remove the dispute comment from my XXXX  credit report. I did as instructed and was told the remark would be removed within 48 hours. However, the comment has never been removed, and it continues to affect my credit report and my ability to secure new accounts. 

Additionally, I discovered that Midland Credit Management obtained a legal judgment against me without properly notifying me of any pending court action. I was never served or made aware of a lawsuit, which violates my right to due process. This judgment has added further harm to my creditworthiness. 

Because of this negative information, I am being advised not to pay the collection right now, as doing so would convert it to a paid collection statusstill harmful under most lending criteria. I need to secure stable housing for my family, and this unresolved dispute remark and hidden judgment are serious barriers to doing so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: GLOBAL CREDIT UNION
State: WA

Complaint narrative:
I already paid global credit union XXXX on a XXXX loan and after a recent wreck hitting a deer I found out they added 18 additional payments to my loan for intrest on llate fees that I already paid XXXX dollars each on when making my payments so thats very excessive to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-27 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
I sent a letter to TransUnion notifying them of the reinsertion of XXXX XXXX  account number XXXXXXXX XXXX XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion 's actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-07-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report, please remove these accounts from my report they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
I am filing this complaint due to the willful and unlawful reinsertion of a previously deleted XXXX account on my credit report without proper notice or certification, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This account was removed after dispute and has now reappeared with a false late payment, negatively impacting my credit standing. I was never notified in writing of the reinsertion, and no investigation notes, verification records, or signed contractual evidence has been provided. I believe this is a direct violation of the Fair Credit Reporting Act and may rise to the level of willful misconduct under 15 U.S.C. 1611. I am demanding immediate deletion of the account and full compliance with 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 non-monetary relief
Consumer complaint received 2025-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital tole and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account Account Name : XXXX XXXX XXXX Account Number : XXXX The 3 Bureau that these payments were late on different days. I spoke with the bank and fixing but fallowing reporting that I was late. I demand these payments be updated to on time as they should be as I was NEVER late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to remove a fraud alert on my credit for a few weeks. With no response or change. 
I did not put this on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: IL

Complaint narrative:
I'm filing a formal complaint against XXXX XXXX XXXX XXXX regarding collections that are listed in my credit bureaus without my consent and proper validation. This agencies, LJ Ross Associates, no account number, amount is {$430.00} ; L J Ross Assoc XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, no account information, this was charged off, and was listed on my credit reports, amount is {$480.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$360.00} no account information. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$720.00}. This account was charged off and then removed from my credit bureau ; no account information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX last XXXX same company : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The following company did not receive my permission to report this information on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
Background : there was fraudulent activity on my credit card twice in the last several months. The second time was about 2 weeks ago, and my credit card closed my card and is sending me a new one. 

Current situation : I flew out to XXXX, California on Thursday XX/XX/year>. When I landed, I received a text from what I thought was my bank, SoFi, notifying me that there was unusual activity on my account and they asked me to text back to confirm whether or not it was me. I responded NO and then I received a phone call from the SoFi number ( which now we realize must have been spoofed ) as I was still on and deboarding the plane. 

They proceeded to tell me that someone had gotten access to my account and was taking money or something of this sort. ( Now that Im recalling it in writing, Im shaking my head ). They told me that theres a flag on my name for fraudulent activity and that they decided to open up a secure account for me. They said there are 2 types of accounts and for certain people they open up secure accountswhen the person is flagged. They said SoFi partners with XXXX for the secure accounts, so that I would see XXXX XXXX as I was inputting the account info. And I proceeded to wire the money to my new account. All {$34000.00} of it. 

They said that it would take 24 hours for everything show up the in app. They said I needed to delete and reinstall the app for the update.

I think I fell for it because of the recent activity on my credit card and the concern that it caused me. And they caught me during a hectic momentI was de-boarding the plane and wasnt paying attention as sharply as I should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX ( XXXX ) XXXX Request For Debt Validation Pursuant to XXXX XXXX XXXX Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collectior Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( Experian, Equifax, or TransUnion ) this action XXXX constitute fraud under both Federal and State Laws. 
Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per XXXX ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within XXXX calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: UT

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-07-27 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: Chime Financial Inc
State: OH

Complaint narrative:
I saw a transaction come across my phone for XXXX XXXX  I didn't make or authorize this transaction so I filed a dispute with chimes and they denied it so I filed XXXX more time and they still denied it I sent in screen shots if data used it the app where I was when the transaction took place I was driving. And a statement that I didn't authorize this transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: ID Analytics, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding repeated and unresolved violations by one or more consumer credit reporting agencies ( XXXX XXXX Equifax, XXXX, XXXX XXXX XXXX  ) under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( FACTA ).

On [ Insert Original Dispute Letter Date ], I submitted a comprehensive dispute to all major credit bureaus regarding numerous inaccurate, unverifiable, and outdated items appearing on my credit report. These included : Improper reporting of a XXXX  XXXX bankruptcy without court-verified sourcing Over XXXX unauthorized and unverifiable hard inquiries Accounts XXXX in bankruptcy that are still listed as charge-offs Inaccurate late payment history and unverifiable derogatory data To date, I have received little or no response and no documented method of verification, as required by FCRA 1681i ( a ) ( 6 ). The credit reporting agencies have either failed to investigate or continue to report inaccurate information in violation of federal law.

Key Violations Include : FCRA 1681i : Failure to reinvestigate within 30 days FCRA 1681e ( b ) : Failure to ensure accuracy FCRA 1681n and 1681o : Willful and negligent noncompliance FDCPA 809 ( b ) : Failure to validate debts and tradeline accuracy I have attached a copy of my dispute letter, identity documents, and relevant credit report pages showing the erroneous items.

I am requesting that the CFPB initiate a formal investigation into the practices of the agencies involved and require full correction or deletion of the disputed entries. I also request that the CFPB inform me of any response or resolution provided by the agencies. 
Sincerely, \ XXXX XXXX XXXX Signature : __________________________\ Phone : XXXX Email : [ Insert Your Email ] XXXX Enclosures : Original dispute letter ( dated [ Insert Date ] ) Proof of identity ( ID and utility bill ) Annotated credit report excerpts CC : Federal Trade Commission XXXX FTC XXXX Ohio Attorney XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: DE

Complaint narrative:
Today, I spoke with Equifax and was told to send in a legible copy of my passport, social security card, and driver 's license. I also need to provide the late payments that are being reported by XXXX XXXX and XXXX XXXX  to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
FCRA Section 605B ( 15 U.S.C. 1681c-2 ) provides a mechanism for identity theft victims to block fraudulent information from their credit reports. According to 15 USC 1681 c2 and 1681s2 you have broken the law by reporting this information on my report knowing its inaccurate. To cease and desist!! Remove and delete this fraudulent information from my credit report immediately. Or I am suing for damages fraudulently reporting and emotional distress and damages and defamation of character. You have 48hours to comply and follow orders! ACCOUNT : XXXXXXXX XXXX XXXX Last reported XXXXXXXX XXXX XXXX  ACCOUNT DETAILS Account status Closed Type Auto loan Responsibility Individual Remarks Paid repossesion Dispute resolved-subscriber disagrees Dispute resolved-subscriber disagrees Times 30/60/90+ days late XXXX Closed 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 non-monetary relief