vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: MD

Complaint narrative:
to report Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-11-14 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: MD

Complaint narrative:
to report Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
XXXX  XXXX XXXX Data Breach XXXX XXXX  Data Breach XXXXXXXX XXXX XXXXXXXX Experian Data Breach XXXXXXXX XXXX XXXXXXXX I write as a documented California Consumer victim of identity theft arising from the XXXX, XXXX  and Experian data breaches and my SSN was used as a personal gain. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. Due to the inaccuracy of false information on my reports, I will be seeking legal advice, if this issue is not handled legally I have never given permission for this information and it is fraudulent.

1. XXXX XXXX # XXXXXXXX XXXX /Bal. {$28000.00} : Fraud Date : XX/XX/XXXX 2. XXXX XXXX XXXXXXXX XXXX /Bal. {$100000.00} : Fraud Date : XX/XX/XXXX 3. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : Filed XX/XX/XXXX 4. XXXX XXXX  # XXXX. {$1700.00} : Fraud Date : XX/XX/XXXX I further assert and your agency has failed to provide a meaningful resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act. I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up complaint because the previous company response did not resolve the issues or provide proper verification of the account. 

In XX/XX/XXXX, I entered a Retail Installment Contract for a vehicle financed through XXXX. The account became past due in XXXX. On XX/XX/XXXX, XXXX states the vehicle was assigned for recovery at 90 days past due. However, the company also admits the vehicle has never been recovered or sold, meaning no Notice of Sale or Deficiency Calculation exists. 

XXXX claims a Right to Cure letter was sent, but they provided no proof of mailing, tracking, or delivery, which is required under state law and UCC 9-611 and 9-614. A copy of a letter is not proof that it was ever sent or received. I never received any Notice of Default, Right to Cure, Notice of Repossession, or Notice of Sale. 

On XX/XX/XXXX, the account was automatically charged off at 105 days past due. Despite having no repossession, no sale, and no verified deficiency balance, XXXX continues reporting a derogatory tradeline. 

In response to my prior CFPB complaint, XXXX only supplied copies of documents but did not provide legally required proof that any notices were properly mailed or delivered. They also did not provide verification of the balance or compliance with repossession notice requirements. 

Because the vehicle was never recovered, no sale occurred, and no notices were proven sent, the reported information is incomplete, inaccurate, and unverifiable.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Dear Sir/Madam, I am writing to request validation of the debt referenced in your recent communication with me. I am requesting that you provide proof of the validity of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I ask that you provide : The amount of the alleged debt.

The name of the creditor to whom the debt is owed.

A copy of the original signed agreement or contract ( if applicable ).

The full history of the debt, including all payments made, and any interest or fees added to the balance.

Proof that you are authorized to collect on this debt.

A statement of how the debt is calculated ( if applicable ).

Please send the requested documentation to my address above. Until such validation is provided, I request that you cease all collection activities, including phone calls and letters.

Under the FDCPA, you are required to provide this information within 30 days of receiving this letter. If you are unable to provide the requested validation or fail to respond, I request that you cease all collection efforts and remove this account from any credit reporting agencies to which it may have been reported.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/year>, I contacted Care Credit ( Synchrony Bank ). I spoke with a representative that gave the name Jewels. I inquired about a hardship program due to my situation. During this time, she stated that if I had no income, they could not assist me with making any arrangement. She then went on to ask if I had a spouse or could I just borrow the money. Which I felt was very unprofessional and not courteous. I had a total of {$120.00} in fees at the time. Given this information no arrangement was made.

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 monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: SC

Complaint narrative:
i dont owe this company velocity investments/ XXXX XXXX, i never received any paperwork saying how i owe them, any wet signature or docs they just got to reporting negative info on my report which caused my score to drop, in the middle of closing on a home

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: DE

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files.

I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-14 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: VA

Complaint narrative:
Dear Sir/Madam, I am submitting this filing to dispute the following accounts that have been inaccurately reported or are being disputed for removal based on my rights under the Fair Credit Reporting Act ( FCRA ). 

Inquiries : XXXX XXXX  Date : XX/XX/year> Late Payment : 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 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing the accuracy and validity of a debt that Midland Credit Management is reporting and collecting for an XXXX XXXX  credit card account.

After reviewing all statements for this account, the balance appears to be inflated and made up primarily of repeated late fees, interest on those fees, and over-limit fees rather than actual purchases. For over a year, no new transactions were made on the account, yet late fees of {$37.00} {$41.00} were added every single month.

The statements also show that the account was marked closed, yet XXXX continued to charge late fees and interest for several months afterward. This appears to violate the Credit CARD Act.

The creditor charged excessive fees that pushed the account far beyond the credit limit without proper opt-in notice, then charged interest on those fees, inflating the balance without new spending. 

Additionally, a XX/XX/2023 statement shows XXXX refunded {$82.00} in late fees, confirming that earlier fees were improperly applied. 

At charge-off, the creditor lists the principal as only {$290.00} and finance charges ( mostly fees and interest ) as {$450.00} meaning over 60 % of the balance was created through fees and penalties.

Midland has not provided proper validation of the debt, including a complete accounting, chain of assignment, or proof that the fees and interest were lawfully assessed.

Based on the documentation, the balance reported by Midland appears inaccurate, inflated, and not legally enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 reiterating my demand to address the persistent fraudulent entry on my credit report. Despite repeated attempts to resolve this, the unauthorized item remains, causing extreme distress and highlighting systemic failures in preventing such prolonged issues. My credit report contains incorrect personal information, resulting in this unknown, inaccurate account linked to identity theft my details were fraudulently used, leading to an item I never authorized. I filed an FTC report as directed by TransUnion, yet the fraudulent entry persists.

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 2025-11-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-14 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 -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: Westlake Services, LLC
State: CA

Complaint narrative:
CFPB COMPLAINT - INACCURATE LATE PAYMENT REPORTING FCRA VIOLATIONS : 602, 607 ( b ), 611 Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Furnisher : WESTLAKE SERVICE INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Complaint Summary : I am filing this complaint because Westlake Service Inc is reporting a 30-59 day late payment that is inaccurate, contradictory, and unverifiable. This violates the Fair Credit Reporting Act ( FCRA ) 602, 607 ( b ), and 611. 
Details of the Violation : My XXXX XXXX report shows " Current Payment Status : 30-59 Days Late. '' My report also shows " Worst Payment Status : 30-59 Days Late. '' However, the same report shows : - 100 % of payments made on time - All green check marks for the payment months - " Times 30/60/90 Days Late : 0/0/0 '' - No verified delinquency data These contradictions mean the account can not be accurately verified. Under FCRA 602 and 607 ( b ), consumer reporting agencies and furnishers must ensure information is accurate, consistent, and verifiable.

The contradictory reporting also violates FCRA 611, as the bureaus must delete or correct unverifiable information during reinvestigation.

Requested Resolution : I am requesting the Consumer Financial Protection Bureau ( CFPB ) to order Westlake Service Inc and the credit bureaus to : 1. Delete the inaccurate 30-59 day late payment reporting.

2. Update my credit report to reflect accurate, consistent information.

3. Provide written verification of compliance.

Attached Evidence : Screenshots of the contradictory reporting showing : 100 % on-time payments O occurrences of late payments Yet displaying " 30-59 Days Late '' status Certification : I certify that the information I am submitting is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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