vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: KY

Complaint narrative:
This debt was transferred to XXXX XXXX XXXX from one of their affiliates Caine & Weiner. The two companies have different balances for my debt. Since the debt is currently with XXXX XXXX XXXX, I emailed them on XX/XX/2025 asking for confirmation of the numbers. I was emailed in response, but sent no supporting documentation to confirm the accuracy of the numbers. I then sent a certified letter requesting debt validation to XXXX XXXX XXXX on XX/XX/2025. I got the return confirmation back from USPS. However, to date, no response from XXXX XXXX XXXX has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am providing supporting documentation for my dispute. I called in today and spoke with a rep she gave me this site to submit my information to get this removed. Please consider this as my final dispute for the removal of this fraudulent activity on my profile.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am not familiar with this debt and would like proof of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
I received a letter from Bonneville Collections. My dad died last year but these geniuses keep sending out stuff. 
I called them and spoke to some XXXX-babbling trash named XXXX ( XXXX XXXX ). I tried to tell her my father had died. You know what she had the gall to say? " I don't care about that. '' What a trash person. I hung up on her. 
I called back and talked to a chap named XXXX XXXX. He was much more professional, but couldn't promise me the letters would stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact EQUIFAX to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
My personal and financial data was accessed unlawfully, in the data breach involving TransUnion.The data breach involving TransUnion. TransUnion was sued and held liable for negligent handling of consumer data. I hereby demand the immediate deletion of all personal and compromised data in accordance with federal law. 
Federal Violations : FCRA 1681e ( b ), 1681i ( a ), 1681c-2 Failure to ensure accuracy and protect against identity theft post-breach.

Metro 2 Reporting protocols violated, with outdated, unverifiable, and reinserted data.

E-Oscar Failure to investigate my disputes with proper verification.

FDCPA 1692e ( 8 ), 1692f Supporting third parties in reporting false or fraudulent tradelines based on compromised data. 
Legal Precedent : Current XXXX XXXX TransUnion LLC XXXX XXXX, XXXX XXXX ___ ( XXXX ) XXXX XXXX TransUnion Corp, XXXX XXXX XXXX ( XXXX XXXX ( Although the Supreme Court XXXX class action standing, it did not absolve TransUnion of FCRA violations. You were found to have disseminated incorrect credit files to third parties without verifying accuracy, a direct parallel to my situation.

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 2025-09-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate collection account that appears on my credit report and to request your assistance in investigating and resolving this matter. 

The account in question is listed by : Creditor/Collection Agency Name : Portfolio Recovery Associates Reported Amount Owed : {$580.00} This amount is incorrect. I believe this is either a case of mistaken balance calculation, misapplied payments, or entirely erroneous reporting. I have contacted the collection agency regarding this discrepancy but have not received a resolution. I am now requesting the CFPBs assistance in investigating this matter and ensuring that any inaccurate or unverifiable information is removed or corrected on my credit report. 

This inaccurate reporting is negatively affecting my credit profile and causing undue hardship. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete, and I request a thorough investigation into this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FC HoldCo LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To : Experian Subject : Request for Investigation and Removal of Repossession Entry Dear Experian, I am writing to formally dispute the accuracy of a repossession entry that appears on my credit report. The entry in question is listed as : XXXXXXXX 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 This entry is inaccurate and incomplete for the following reasons : 1. I never received a letter of redemption ( Uniform Commercial Code ( UCC ) Article 9, Section 9-623 ( Right to Redeem Collateral ) proper notice, therefore I didnt have the chance to redeem my vehicle because i didnt receive a right to redeem my vehicle letter. The balance is incorrect also the account has inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ), Section 609 & 611, I have the right to dispute information that I believe to be inaccurate or unverifiable. I request that your agency conduct a thorough investigation of this account and either : Provide documented proof from the original creditor that substantiates the accuracy of this repossession, OR Remove this repossession entry from my credit file if it can not be verified in full.

Enclosed are copies of supporting documents to assist with your investigation ( e.g., payment records, settlement agreement, correspondence with lender ). 

Please complete your reinvestigation within the required XXXX time frame and provide me with the results in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts appearing on my credit report. These accounts are not mine, were never authorized, and constitute inaccurate and damaging information. Their continued presence misrepresents my creditworthiness, negatively impacts my financial opportunities, and violates my right to accurate 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 non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
I was charged a {$30.00} late fee on my XXXX XXXX credit card because I forgot to make a payment that was due on XX/XX/XXXX. This happened because I had used my card a couple of months ago and simply forgot about the transaction. I have an excellent payment history and have never missed a payment before, so I called the credit card company to request a waiver of the late fee. 
They informed me that they could only credit half of the fee {$15.00}. I was surprised by this, as I didnt realize partial credits were even allowed. To better understand my rights, I searched online using the query : Is it legal for credit card companies to only give you half of your late fee credit? That search led me to your website. 
According to the information I found, under the Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ), late fees must be reasonable and proportional to the violation. While card issuers are not required to waive late fees, if they choose to issue a credit, they must refund the full amount of the fee and any associated interest charges. [ XXXX ... XXXX XXXX ] Key points from the CARD Act include : Full Credit Required : If a late fee is credited, it must be for the full amount. 
Reasonable and Proportional Fees : Fees must reflect actual costs incurred, not serve as excessive penalties. 
No Half-Price Credits : There is no legal provision allowing partial refunds of late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: Avant Holding Company, Inc.
State: MD

Complaint narrative:
Company is illegally reporting late payments on my credit report even though I filed for bankruptcy months ago. They need to delete all late payments as this is against the law.

As you are aware, the Fair Credit Reporting Act ( FCRA ) and the U.S. Bankruptcy Code prohibit continued reporting of inaccurate or misleading credit information. Since this debt is part of an active bankruptcy case, you are required to stop reporting late payments, charge-offs, or other derogatory activity that occurred after the bankruptcy filing date. 
If the account was included in my bankruptcy, it must be reported as such to the credit bureaus. Continued reporting of missed or late payments after the date of bankruptcy filing may constitute a violation of the FCRA and the automatic stay provision of 11 U.S.C. 362.

I respectfully request the following : That you immediately cease reporting any late payments or delinquencies that occurred after the date of my bankruptcy filing ; That the account be updated to reflect its correct status ( e.g., Included in Bankruptcy, Discharged in Bankruptcy, or Closed as appropriate ) ; That you notify all credit reporting agencies to which you report of these corrections.

Please confirm in writing that the requested changes have been made. If you fail to comply, I will consider filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and may pursue legal action for damages. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-09-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent accounts have been reported under my name without my consent or authorization. I did not open or maintain these accounts, and their inclusion is entirely false. These accounts misrepresent my financial responsibility, harm my creditworthiness, and undermine the integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation