vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX ] [ XXXX NC XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Midland Credit Management [ 3XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX ] RE : Cease and Desist Contact & Request for Hardship Review Alleged Debt To Whom It May Concern : I am writing regarding the account you claim is owed by me. Due to a significant slowdown in my business, my financial situation has been severely impacted, and I have not been able to keep up with payment obligations.

At this time, I am formally requesting the following : 1. That you cease and desist from all non-essential collection communications, except those allowed by law ( such as required notices ).

2. A full hardship review of my account based on my current financial circumstances.

3. A review for possible balance reduction, settlement options, or other relief available for individuals experiencing financial hardship.

My financial setback has put me in a position where I can not reasonably manage this debt as originally structured. I am requesting that your office evaluate any programs or options for account relief.

Please provide a written response within 510 days acknowledging receipt of this letter and outlining any available hardship, settlement, or resolution options.

This letter is not an admission of liability and does not waive any of my rights under federal or state law, including my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am disputing the reporting of a late payment on my Discover card. The payment was incorrectly reported as late to the credit bureaus. I have requested that Discover Bank provide copies of the statements, proof that the statements included all required information, and evidence that they were delivered at least 21 days prior to the payment due date.

Additionally, under 15 U.S.C. 1681s-2 ( 7 ), any financial institution reporting negative information to a credit reporting agency must notify the consumer in writing within 30 days. I have requested evidence that such notification was provided to me as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-21 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: EGL US, LLC
State: FL

Complaint narrative:
The nature of my complaint is that these companies are engaged in practices that abuse consumers, including myself : violating my rights under the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1640 ( f ) ( 2 ), which limits consumer liability for unauthorized use of a credit card including driver license. Debt Collectors are attempting to collect on debts that are old, inaccurate, or that have been previously written off and sold by the original creditor, a practice that can be deceptive. These practices violate Section 5 of the FTC Act, which prohibits unfair or deceptive acts or practices. I am providing this information to urge the FTC to investigate this entire ecosystem that profits from inaccurate data and causes significant harm to consumers. 1. Inaccurate Information : My credit file contains information about debts that are inaccurate. These debts were allegedly charged off and sold by the original creditor, yet they continue to be reported as collectible obligations by third party debt buyers. 2. Failure to Investigate : I have disputed these inaccurate items with the credit bureaus, yet they have failed to conduct a reasonable investigation and have continued to report this erroneous information. 3. Data Sale Without Consent : The credit reporting agencies facilitate the sale of my financial data to third-party debt buyers without my explicit consent. I am never informed of these transactions before they appear on my credit profile, violating my right to privacy and accuracy. 4. Collection Attempts on Invalid Debt : Debt collectors are attempting to collect on debts that have likely been written off and for which the statute of limitations may have expired. This activity violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Alleged Violations Include : FCRA 605B ( 15 U.S. Code 1681c-2 ) : Failure to block fraudulent information upon request. 15 U.S. Code 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum possible accuracy. 15 U.S. Code 1681 ( a ) ( 2 ) : Improper use and dissemination of consumer credit information. 15 U.S. Code 1666b and 12 CFR 1026.13 : Violations related to billing error resolution procedures. 15 U.S. Code 1692c and 1692g : Violations under the Fair Debt Collection Practices Act ( FDCPA ) regarding communication and validation of debt. 15 U.S. Code 1681 ( 2 ) ( xi ) : Improper reporting of charged-off accounts without proper documentation. Florida Statutes Chapter 679, Article 9 of the Uniform Commercial Code : Violations concerning secured transactions and consumer protections under Florida law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00}

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 2025-11-21 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-11-21 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: SC

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$46.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-11-21 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: FL

Complaint narrative:
I submitted a written request for validation to XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/2025, asking them to verify that I am the correct person responsible for the alleged debt and to provide a statement showing how the alleged balance was calculated. XXXX responded in a letter dated XX/XX/2025 requesting a copy of my photo ID and my signature, which I provided in a mailed letter on XX/XX/2025. 

As of XX/XX/2025, I have received no documentation, no copy of any contract bearing my signature, and no statement verifying how the reported balance was calculated. Despite failing to provide verification, XXXX continues to furnish this account to the credit bureaus. 

Because XXXX has not validated the debt or provided any documentation supporting the accuracy of the information they are reporting, I am requesting a full investigation and removal of any information that XXXX can not properly verify. 

This account appears on all three of my credit reports ( XXXX, Experian, and XXXX  ). I have filed a dispute with XXXX. I attempted to file disputes with Experian and TransUnion as well, but their systems indicated that a previous dispute must be completed before a new one can be submitted. 

If XXXX can not validate that this debt belongs to me and can not provide a statement showing how the alleged balance was calculated, I request that this account be deleted from my credit reports.

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 2025-11-21 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: FL

Complaint narrative:
I submitted a written request for validation to XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/year>, asking them to verify that I am the correct person responsible for the alleged debt and to provide a statement showing how the alleged balance was calculated. XXXX responded in a letter dated XX/XX/year> requesting a copy of my photo ID and my signature, which I provided in a mailed letter on XX/XX/year>. 

As of XX/XX/year>, I have received no documentation, no copy of any contract bearing my signature, and no statement verifying how the reported balance was calculated. Despite failing to provide verification, XXXX continues to furnish this account to the credit bureaus. 

Because XXXX has not validated the debt or provided any documentation supporting the accuracy of the information they are reporting, I am requesting a full investigation and removal of any information that XXXX can not properly verify. 

This account appears on all three of my credit reports ( XXXX, XXXX, and Equifax ). I have filed a dispute with Equifax. I attempted to file disputes witXXXX XXXX XXXX XXXX  as well, but their systems indicated that a previous dispute must be completed before a new one can be submitted. 

If XXXX can not validate that this debt belongs to me and can not provide a statement showing how the alleged balance was calculated, I request that this account be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
I am writing to follow up on my previous disputes regarding the inaccurate and unverified negative items currently appearing on my credit report. Despite prior investigations, the following accounts continue to be reported incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
I am writing to follow up on my previous disputes regarding the inaccurate and unverified negative items currently appearing on my credit report. Despite prior investigations, the following accounts continue to be reported incorrectly : 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 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TekCollect Inc.
State: CA

Complaint narrative:
I opened a XXXX account around 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 However, before receiving the next shipment, XXXX filed for XXXX  XXXX bankruptcy and shut down operations in XX/XX/year>. Because of the shutdown, they discontinued XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs. 

XXXX never delivered the second set of aligners that I paid for, which means the service agreement was not fulfilled. Even though the company ceased operations and canceled undelivered orders, I am being contacted by XXXX to collect the remaining balance. They are attempting to collect on a debt for services that were never provided and have been repeatedly contacting me, including pressuring me to settle for XXXX XXXX 

I requested verification of the debt, but I have not received any proof of product delivery, proof of service completion, or proof that TekCollect legally owns the debt. I do not believe I should be held responsible for a debt relating to undelivered services due to corporate bankruptcy closure, and I am concerned that this may negatively affect my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase is refusing to investigate a dispute for a fraudulent merchant impersonating XXXX XXXX XXXX, even though the transaction is authorized but fraudulent under merchant misrepresentation rules. Chase claims they have no authority, which contradicts XXXX XXXX XXXX.

Company response to consumer: Closed with explanation