vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
This Unauthorized account has reappeared on my credit report after removal due to my information being exposed in the Equifax data breach. Please remove this account immediately and block them from reporting according to the law FCRA 605B. I would like to resolve this issue before pursuing litigation with my attorney. I have provided account numbers and dates in this complaint. I will also attach my identity docs.

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 2025-07-22 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: NJ

Complaint narrative:
This Unauthorized account has reappeared on my credit report after removal due to my information being exposed in the Equifax data breach. Please remove this account immediately and block them from reporting according to the law FCRA 605B. I would like to resolve this issue before pursuing litigation with my attorney. I have provided account numbers and dates in this complaint. I will also attach my identity docs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
This Unauthorized account has reappeared on my credit report after removal due to my information being exposed in the Equifax data breach. Please remove this account immediately and block them from reporting according to the law FCRA 605B. I would like to resolve this issue before pursuing litigation with my attorney. I have provided account numbers and dates in this complaint. I will also attach my identity docs.

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 2025-07-22 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-22 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 submitted a written dispute to TransUnion concerning an unfamiliar account that is currently being reported on my credit file. I have no record of authorizing or opening this account, and I requested that TransUnion investigate and remove it unless it could be verified. Despite this, TransUnion has taken no meaningful action to resolve the dispute or provide any supporting documentation. The account remains on my credit report, which is a violation of my rights under the FCRA, particularly the right to a fair and timely dispute process and accurate credit 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am a service member and disputing a charged-off debt from Navy Federal Credit Union while I was on federally funded Title 32 orders under Executive Order 80044A ( COVID-19 ). This qualifies for protection under the Servicemembers Civil Relief Act ( SCRA ). Despite this, my account was charged off and is negatively affecting my credit. I have attached my military orders and am requesting the CFPB require removal of this tradeline or correction to reflect compliance with SCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This filing a complaint serves as my third and final formal dispute regarding the following items which continue to appear on my credit report without permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-22 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: Bilateral Credit Corp, LLC
State: NY

Complaint narrative:
XXXX initially provided my business ( XXXX of XXXX XXXX XXXX XXXX merchant services to process credit card payments. For the first XXXX years, operations were stable. However, as our sales began to decline due to market conditions, XXXX XXXX XXXX our merchant contract, despite my ongoing efforts to rebrand and sustain the business relationship. 

Following the termination, they began issuing threats and engaged in retaliatory conduct by improperly reporting the business account as a personal debt on my consumer credit report. I explicitly warned them of the legal ramifications of such actions and urged a lawful resolution. Nevertheless, they proceeded to report a fabricated balancean amount I do not oweas a personal collection item. 

I gave them formal notice with a XXXX deadline to remove this false entry from my credit report. Despite this, they have refused to comply. Their actions are not only unethical, but also potentially unlawful under the Fair Credit Reporting Act and other consumer protection statutes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Im sending this letter to dispute wrong and unauthorized information on my credit file. My info was shared without my permission, violating FCRA rules under 15 U.S. Code 1681b ( 2 ), and there are accounts listed that Ive never used. This might be identity theft under 15 U.S. Code 1681c-2. Im asking for these mistakes to be corrected quickly.

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 2025-07-22 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: TX

Complaint narrative:
Upon reviewing my credit file, I noticed that this installment loan account is not mine. The name is XXXX reported XXXX XXXX XXXX this account does not belong to me. According to the Fair Credit Reporting Act ( FCRA ), any information that can not be verified or is inaccurate must be deleted from the credit report. 

Please conduct an investigation regarding this account. If you can not provide verification of the accuracy and validity of this accountincluding documentation such as the original loan agreement, payment history, and balance detailsI respectfully request its immediate removal from my credit report.

Please update me with the results of your investigation in writing within the 30-day time frame as required by law. I have attached a copy of my government-issued ID, a utility bill for address verification, and a copy of my credit report with the account in question highlighted. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit file, I noticed that this installment loan account is not mine. The name is XXXX reported on XXXX XXXX this account does not belong to me. According to the Fair Credit Reporting Act ( FCRA ), any information that can not be verified or is inaccurate must be deleted from the credit report. 

Please conduct an investigation regarding this account. If you can not provide verification of the accuracy and validity of this accountincluding documentation such as the original loan agreement, payment history, and balance detailsI respectfully request its immediate removal from my credit report.

Please update me with the results of your investigation in writing within the 30-day time frame as required by law. I have attached a copy of my government-issued ID, a utility bill for address verification, and a copy of my credit report with the account in question highlighted. 

Thank you for your time and attention to 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 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Time-Barred Debt Reporting Account # XXXX To Whom It May Concern : I am submitting this formal complaint against Midland Credit Management , Inc. for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) in connection with their continued reporting of a time-barred, disputed debt associated with original creditor XXXX XXXX XXXX, account number XXXX . 

According to documentation and Midland 's own communication dated XX/XX/year>, this debt is time-barred under XXXX XXXX 3-year statute of limitations. Despite this, Midland Credit Management updated the account as Closed with a new reporting date of XX/XX/year>, and continues to report a full balance of {$1200.00}. This appears to be an illegal re-aging of the account in violation of FCRA 1681c ( a ) ( 4 ) and 1681s-2 ( a ), which prohibits the reporting of obsolete or misleading information.

Additionally, no clear disclosure was provided on the tradeline that the debt is time-barred or that I, the consumer, have formally disputed the validity of the debt. This omission may constitute a deceptive act under FDCPA 1692e and a violation of the consumer protections under XXXX XXXX XXXXXXXX. 

I have sent written disputes to all three credit reporting agencies as well as a cease-and-desist letter to Midland Credit Management, clearly informing them that I do not acknowledge this debt, that it is time-barred, and that I will not be making any payment now or in the future. Despite this, Midland continues to report the balance in a misleading and damaging manner.

I respectfully request the CFPB to investigate this matter and require the immediate deletion of the
Midland tradeline from my credit reports, or at minimum, correction of all inaccurate, outdated, and deceptive information. Supporting documentation including screenshots, notices, and dispute letters are available upon request.

Thank you for your time and attention to this matter.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX. HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX. HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-07-22 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am disputing a collection reported by Fair Collections and Outsourcing Inc. related to a lease I legally terminated under federal law. I am a U.S. military service member who was activated under Title 32 federally funded orders during the COVID-19 emergency. My lease included a military clause, and I lawfully exercised my right to terminate it by providing written notice and a copy of my orders in accordance with the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3955.

Despite complying fully with the lease and federal protections, FCO has reported a collection against me. I have no contractual relationship with FCO, and this tradeline is both inaccurate and damaging. The SCRA prohibits landlords or agents from penalizing service members who terminate leases due to qualifying military service. Reporting this debt violates the SCRA, FCRA ( 15 U.S.C. 1681s-2 ), and potentially the FDCPA ( 15 U.S.C. 1692e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-22 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: OR

Complaint narrative:
I am formally disputing some incorrect and unauthorized items on my credit report. According to the FCRA ( 15 U.S. Code 1681b ( 2 ) ), my personal data was used without my written consent, and accounts I didnt open are now listed. This could be identity theft under 15 U.S. Code 1681c-2. Im requesting that you look into this and fix these problems right away.

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 2025-07-22 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:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: F.H. Cann & Associates, Inc.
State: CA

Complaint narrative:
I am a service member and disputing a charged-off debt from XXXX XXXX XXXX XXXX while I was on federally XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). This qualifies for protection under the XXXX XXXX XXXX XXXX ( XXXX ). Despite this, my account was charged off and is negatively affecting my credit. I have attached my military orders and am requesting the CFPB require removal of this tradeline or correction to reflect compliance with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am formally disputing a fraudulent item listed on my credit report. I did not open this account, nor did I give anyone permission to do so in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am disputing a charge-off account listed on my credit report because I do not owe this debt. I have never had an account with the company listed, nor did I receive proper notification regarding any such debt. I am requesting verification under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have asked the company to provide full documentation, including the original creditors name, account statements, a signed agreement, and proof they have legal authority to collect the debt. So far, I have not received any documentation. If they are unable to validate the debt, this charge-off should be removed from my credit report in accordance with FCRA guidelines .

Company response to consumer: Closed with non-monetary relief