vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: CT

Complaint narrative:
Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX XXXX DATE OPENED XX/XX/year> BALANCE {$10.00}, XXXX This account is the result of identity theft and all the information reported in here are all erroneous and fraudulent. Please block this account in my credit reports. 

In accordance with the Fair Credit Reporting Act, I hereby request that a thorough investigation be conducted to rectify and eliminate these items from my credit report. I understand that you are required to reevaluate these items by contacting the respective creditor. Any information that the creditor is unable to verify should be promptly removed. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days from the date of receiving this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report as I work to improve my credit standing. Below, I have outlined the details of the disputed accounts for each bureau. I request that you investigate and correct these discrepancies as soon as possible. 

INQUIRIES : XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. Below are the details of the disputed accounts, separated by credit bureau. 

Charged Off Accounts : XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Motors Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I've tried doing a paid to delete on all collection accounts for less the what was owed was denied by the collection agency to accept the lower about and they call me every day multiple times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A collection account is being reported on my credit report without proper validation or proof that I owe the alleged debt. I never received documentation or a notice of validation from the collection agency. Despite disputing the account, it remains on my file in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-12-04 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:
Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate. Below are the details of the disputed accounts, separated by credit bureau. 

Charged Off 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

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 2025-12-04 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: MS

Complaint narrative:
I am filing a complaint for inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ). XXXX is reporting a collection account for {$160.00}, but the reporting is conflicting, incomplete, and unverifiable. 

The tradeline is marked as In Collections / Derogatory but shows XXXX late payments ( XXXX ) and no last payment information. A debt can not be placed in collections without a documented delinquency timeline. The absence of payment history makes this reporting inaccurate and misleading. 

This violates FCRA 623, which prohibits furnishers from supplying incomplete or misleading information, and FCRA 611, which requires that reported information be verifiable.

I previously disputed this information with the credit bureaus and was not provided any billing statements, payment history, or documents verifying delinquency as required under FCRA 609.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am filing a complaint for inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ). XXXX is reporting a collection account for {$160.00}, but the reporting is conflicting, incomplete, and unverifiable. 

The tradeline is marked as In Collections / Derogatory but shows XXXX late payments ( XXXX ) and no last payment information. A debt can not be placed in collections without a documented delinquency timeline. The absence of payment history makes this reporting inaccurate and misleading. 

This violates FCRA 623, which prohibits furnishers from supplying incomplete or misleading information, and FCRA 611, which requires that reported information be verifiable.

I previously disputed this information with the credit bureaus and was not provided any billing statements, payment history, or documents verifying delinquency as required under FCRA 609.

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 2025-12-04 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: GA

Complaint narrative:
I am writing to dispute the following items on my credit report, which I believe are inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Please investigate the following disputed accounts and provide a resolution : CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-04 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: MS

Complaint narrative:
I am filing this complaint because XXXX is inaccurately reporting a closed child-support account with late payments and derogatory marks, even though : I do not owe a balance ( reported balance : {$0.00} ). 

The account is closed, yet TransUnion is still reporting payment history and derogatory information. 
The furnishers are required under the Fair Credit Reporting Act ( FCRA ) to ensure all information reported is accurate, complete, and not misleading. 

The account contains missing information, such as no monthly payment amount, no term, and incomplete remarks, yet still shows months of late payments dating back years which is inaccurate and unverifiable. 

Child support reporting must comply with FCRA 602, 607 ( b ), and 623 ( a ) ( 1 ) ( A ). 

Reporting a closed account with a {$0.00} balance while simultaneously showing years of late payments is misleading and damaging to my credit profile. 

This reporting does not reflect my actual payment history and does not match the status communicated by the agency.

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 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: TX

Complaint narrative:
Pay account in full it will not allow me to unsubscribe from subscription

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
IDENTITY THEFT DISPUTE DEMAND FOR IMMEDIATE BLOCK AND PERMANENT DELETION XXXX  XXXX XXXX  Account Number : XXXX XXXX  XXXX account number that appears on your report, e.g., ending in XXXX. 
I am a victim of identity theft. The XXXX XXXX XXXX account listed above was opened and used fraudulently without my knowledge, permission, or consent. 
Pursuant to 15 U.S.C. 1681c-2 ( FCRA Section 605B ), you are required to permanently block this fraudulent tradeline from my credit files within 4 business days of receiving this dispute and the attached valid identity theft report. 
Attached are : XXXX Police Department Identity Theft Report # XXXX Copy of my drivers license / ID for identity verification Recent credit report showing the fraudulent XXXX XXXX XXXX account XXXX You must immediately : Block and permanently delete the XXXX XXXX XXXX  tradeline ( account number listed above ) from my credit files at all four bureaus. 
Notify XXXX XXXX XXXX  that this is fraudulent and instruct them to cease all reporting. 
Send me written confirmation of the block/deletion and provide an updated copy of my credit report showing the account is gone. 
This account was already removed from some of my reports in the past and has been reinserted without notice or validation a separate violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Failure to comply within the statutory 4-business-day period will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau , the California Attorney General, and pursue all available remedies, including statutory damages under FCRA 1681n and 1681o . 
Contact me only to confirm deletion at XXXX. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
IDENTITY THEFT DISPUTE DEMAND FOR IMMEDIATE BLOCK AND PERMANENT DELETION XXXX  XXXX XXXX  Account Number : XXXX XXXX  XXXX account number that appears on your report, e.g., ending in XXXX. 
I am a victim of identity theft. The XXXX XXXX XXXX account listed above was opened and used fraudulently without my knowledge, permission, or consent. 
Pursuant to 15 U.S.C. 1681c-2 ( FCRA Section 605B ), you are required to permanently block this fraudulent tradeline from my credit files within 4 business days of receiving this dispute and the attached valid identity theft report. 
Attached are : XXXX Police Department Identity Theft Report # XXXX Copy of my drivers license / ID for identity verification Recent credit report showing the fraudulent XXXX XXXX XXXX account XXXX You must immediately : Block and permanently delete the XXXX XXXX XXXX  tradeline ( account number listed above ) from my credit files at all four bureaus. 
Notify XXXX XXXX XXXX  that this is fraudulent and instruct them to cease all reporting. 
Send me written confirmation of the block/deletion and provide an updated copy of my credit report showing the account is gone. 
This account was already removed from some of my reports in the past and has been reinserted without notice or validation a separate violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Failure to comply within the statutory 4-business-day period will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau , the California Attorney General, and pursue all available remedies, including statutory damages under FCRA 1681n and 1681o . 
Contact me only to confirm deletion at XXXX. 
Sincerely, 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 2025-12-04 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: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts reported inaccurately on my credit report. The details are as follows : CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

These fraudulent accounts consist of a credit card opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXX XXXX, and an installment account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 

All accounts above, collections, late payments, and charge offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: GA

Complaint narrative:
Lead Bank is furnishing a fraudulent account associated

with Self Inc. on my credit report that I did not open, authorize, or benefit from. I notified Lead Bank and all three credit bureaus that I am a victim of identity theft and submitted an affidavit, supporting documents, and a dispute under FCRA 609 ( a ) ( 1 ) and 605B. Despite receiving my identity theft report, Lead Bank has continued to report the account as valid. Lead Bank has not provided any documentation proving that I opened or
authorized this account. They have not produced an application, contract, signature, IP address, device information, payment history, or any evidence linking me to this alleged account. They have also failed to provide the source or method of verification they claim to rely on, as required under the Fair Credit Reporting Act. 

Their continued reporting of an unverified, identity-theft-related account is causing harm to my creditworthiness, financial opportunities, and overall credit profile. Lead Banks failure to conduct a reasonable investigation or validate the account is a violation of the FCRA and has resulted in inaccurate information remaining on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: SC

Complaint narrative:
I purchased my home solely in my name in XX/XX/XXXX. My mortgage is with XXXXXXXX XXXX. I recently moved out of my home in XX/XX/XXXX, and have been in a divorce settlement. On XX/XX/XXXX the judge in the temporary order granted my ex wife the marital home. Ex wife has not made no monthly mortgage payments on the home since Judge granted it to her. In XXXX I sent my copy of the temporary order to XXXXXXXX XXXX letting them know the missed payments was on my ex wife, again my name is the only name on this mortgage and has been since XXXX. In XX/XX/XXXX, I received a notice in the mail in XX/XX/XXXX stating my ex-wife was now a successor in interest to this loan. XX/XX/XXXX I called into XXXX XXXX and emailed them requesting her be removed from successor and XXXXXXXX XXXX ignored it and did not remove her after she let the home go into foreclosure. Now XXXX XXXX has allowed my ex wife to verbally acknowledge on my behalf that the loan could be modify. I have not consented to anything and I am not going to. I have called XXXX XXXX XXXXeveral times discussing this and each time they are ignoring me and have now let my ex wife fraudently consent to a loan modification on my behalf. XXXX XXXX has on a recorded line speaking to my ex wife about this loan modification and allowing her to consent to something on my behalf which is illegal.

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 2025-12-04 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 filing this complaint because several items appearing on my credit reports are inaccurate or unverifiable. I am requesting a full reinvestigation from each credit bureau. Below is a detailed breakdown by bureau. 
XXXX Accounts in Dispute XXXX. XXXX XXXX Account XXXX : XXXX Reported Since : XX/XX/XXXX Balance : {$14000.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Reported Since : XX/XX/XXXX Balance : {$0.00} Reason for dispute : The XXXX account appears inconsistent with other bureaus, and TransUnion is reporting a different format and account number. I request verification of the correct account, dates, and balance. 
XXXX XXXXXXXX XXXX account shows a {$0.00} balance and may be inaccurately reported or outdated. Please verify its accuracy or remove it if the furnisher can not validate. 

Inquiries in Dispute ( None listed for TransUnion ) Please ensure that only authorized inquiries are present. 

Late Payment Reporting XXXX XXXX Reason for dispute : I am requesting verification of the reported late payment. If the furnisher can not provide proof of accuracy, the information must be corrected or deleted.

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