vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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 am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2 ( b ), to dispute the inaccurate and inconsistent reporting of my account with XXXX ending in XXXX. 

There are several material inconsistencies across the three major credit bureaus : Date of last activity : Reported as XX/XX/XXXX by TransUnion, XX/XX/XXXX by Experian, and XX/XX/XXXX by Equifax. 
Date reported : Varies between bureaus ( TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX, Equifax : XX/XX/XXXX ). 
Creditor remarks and charge-off explanations differ, making the status unclear and unverifiable. 
Last payment date differs between bureaus. 
Payment history is contradictory : Experian shows extensive late payments and charge-offs, while TransUnion reports no payment data and Equifax shows minimal derogatory info.

Because this data is inconsistent and violates the FCRA 's accuracy and completeness requirements, I request that this account be removed from my credit report if it can not be reliably verified and corrected across all agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX * * * * * * * * * * * * * - XX/XX/XXXX - {$30000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2025-06-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: TX

Complaint narrative:
I am writing to file a formal complaint against IQ Data International , Inc. regarding their handling of a debt that they claim I owe. I was not aware of this debt, nor did I receive any certified letter advising me of my right to dispute the debt. I believe that IQ Data International has violated several consumer protection laws in their collection practices. Details of the Complaint : 1. Failure to Provide Notice of Debt : - According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to send the consumer a written notice within XXXX days after the initial communication, detailing the amount of the debt, the name of the creditor, and a statement of the consumer 's right to dispute the debt within 30 days. I did not receive such a notice from IQ Data International. 2. Violation of Fair Debt Collection Practices Act ( FDCPA ) : - IQ Data International has failed to comply with the FDCPA by not providing me with a certified letter informing me of my right to dispute the debt. This is a direct violation of my rights under the FDCPA. XXXX. Possible Violations of the Fair Credit Reporting Act ( FCRA ) : - The FCRA, 15 U.S.C. 1681, mandates that debt collectors must report accurate information to credit reporting agencies. Since I was not aware of this debt and was not given an opportunity to dispute it, any negative reporting by IQ Data International on my credit report would be inaccurate and a violation of the FCRA. 4. Violation of the Fair Credit Billing Act ( FCBA ) : - The FCBA, 15 U.S.C. 1666, ensures the right of consumers to dispute billing errors, including unauthorized charges. Without proper notification of the debt, I was deprived of my right to dispute the debt under the FCBA. Relevant Lawsuits : - IQ Data International has faced several lawsuits for similar violations. Notably, the case " v. IQ Data International , Inc., " where the plaintiff alleged that IQ Data International failed to provide proper validation of debt and engaged in unlawful collection practices. This case, among others, highlights a pattern of behavior that violates consumer rights and supports my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request for Permanent Deletion of Collection Account : XXXX XXXX XXXX ( {$840.00} ) Dear Equifax Dispute Department, I am writing to formally dispute the collection account currently appearing on my Equifax credit report under the name XXXX XXXX XXXX, with a reported balance of {$840.00}. I have reason to believe that this account is inaccurately reported, unverifiable, or lacks the legal authority to continue being reported. 
Accordingly, I demand the permanent deletion of this account from my Equifax credit file in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Applicable Consumer Protection Laws : 31 U.S.C. 5118 Protects consumers from obligations not lawfully created or properly assigned.

15 U.S.C. 1681o Provides civil liability for negligent noncompliance with FCRA reporting standards.

15 U.S.C. 1637 ( b ) Under the Truth in Lending Act, requires clear, accurate, and itemized account disclosures. 
15 U.S.C. 1692c ( c ) Once a debt is disputed and communication is revoked, debt collectors must cease all reporting and collection activity unless proper validation is provided.

15 U.S.C. 1692g Requires debt collectors to provide timely written validation of any alleged debt. 

Debt Validation Request : In accordance with my rights, I formally request that Equifax obtain and review the following documents from XXXX XXXX XXXX or the original creditor : A copy of the assignment contract proving XXXX XXXX XXXX has legal authority to collect and report this debt. 
A forward flow agreement outlining the terms under which the debt was transferred or purchased. 
A detailed, itemized breakdown of the debt, including all applicable fees, interest, original creditor name, and account history. 
A signed contract or agreement with my signature, proving I am legally responsible for the debt. 

Requested Actions : Immediately delete the XXXX XXXX XXXX collection account ( {$840.00} ) from my Equifax credit report. 
Block the account from future reinsertion unless full and proper validation is provided, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide written confirmation of the results of your reinvestigation and all actions taken. 
This collection account is negatively impacting my creditworthiness without proper legal basis or documentation. If Equifax fails to comply with the applicable federal laws cited above, I will pursue complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and explore available legal remedies under 15 U.S.C. 1681n and 1681o.

Thank you for your prompt attention. I expect a full resolution within the XXXXday timeframe required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
This is my FOURTH written attempt demanding the immediate removal of fraudulent tems from my consumer report under FCRA 605B. You have failed to comply with your legal obligation to block this information within XXXX business days. 
You are now in WILLFUL NONCOMPLIANCE with the Fair Credit Reporting Act and knowingly causing harm to a consumer.

Despite providing : - A valid FTC Identity Theft Report - A written request for block/removal - Clear documentation of fraud You continue to report the following : ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00}

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 2025-06-12 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: NJ

Complaint narrative:
XXXX completely exhausted and frustrated from having to dispute this unauthorized XXXX XXXX account for over a year. I never gave any verbal or written consent, and never authorized anyone to use or report my personal information in connection with this account. Yet, despite my repeated disputes, this account continues to appear on my credit report, and I continue to receive the same generic and inadequate response : that the account was verified as accurate, with no actual proof, no investigation results, no documents, and no explanation. This response is both meaningless and unacceptable. This violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), beginning with 15 U.S.C. 1681b, which restricts the use of consumer reports to entities with a permissible purpose. I did not give consent for my consumer file to be accessed or reported, meaning there was no permissible purpose for this account to be included in my credit report in the first place. This situation violates 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy. Clearly, this standard is not being met the fact that this unauthorized account continues to be reported despite multiple disputes proves there was no meaningful investigation into its accuracy or legitimacy. It also violates 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and to delete or modify any information that can not be verified. Simply replying with verified without providing supporting documentation, furnishing a clear method of verification, or identifying the source of the so-called verification is not a reasonable investigation ; its a clear failure of statutory responsibility. TransUnion 's repeated failure to remove this unauthorized account after being placed on notice through multiple disputes reflects both willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o. These violations expose the responsible parties to civil liability, including actual damages, statutory damages, punitive damages, attorney 's fees, and costs. This ongoing situation has caused me emotional distress, damaged my reputation, interfered with my financial opportunities, and continues to undermine the integrity of my consumer report. I am demanding the immediate and permanent deletion of this unauthorized XXXX XXXX account from my credit file. I also demand written confirmation of its removal, as well as documentation explaining how and why this account was ever verified and reported in the first place.

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 2025-06-12 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-06-12 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: CA

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} INQUIRIES : XXXX XXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-12 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: GA

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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-12 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: OH

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I purchased a vehicle from a dealership that no longer exists on XXXX XXXX back in XXXX, I was in the process of moving, I asked if I could make payment arrangements to make the payment. The loan company wouldnt work with me. They XXXX the vehicle then repossessed it after having the vehicle XXXX  months. I never paid off anything because they took the vehicle back. They have been harassing me for years for money. They garnished my wages when I worked at XXXX back in XXXX, now they are doing it again at my current employer. I was sent a judgement from Credit Acceptance Corporation for a hearing. When I sent an email to file a hearing, I was told to reach out to XXXX. Once I was able to reach someone Credit Acceptance started garnishing my wages.

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