vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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:
Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Re : Formal Dispute & Demand for Permanent Deletion XXXX XXXX XXXX {$5000.00} To Whom It May Concern, I am formally disputing the accuracy and legality of the XXXX XXXX XXXX account, purportedly in the amount of {$5000.00}, currently reporting on my Equifax credit report. This account is not mine, and your continued reporting constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation within 30 days and delete any information that can not be verified with proper documentation from the original creditor. You are also reminded of your obligations under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in consumer reporting. 

Furthermore, XXXX XXXX XXXX is acting as a debt collector and is therefore subject to the FDCPA. Under 15 U.S.C. 1692e, it is unlawful to use any false, deceptive, or misleading representation in connection with the collection of a debt. They are not licensed with the XXXX XXXX XXXX XXXX XXXX XXXX  ) to collect debts in the State of Texas, rendering their collection activities unlawful. Any attempt to collect or report an account without proper licensing is a direct violation of both state law and federal law. 

You are hereby put on notice that if this account is not permanently deleted from my credit file within the required statutory timeframe, I will file formal complaints with the CFPB, the Texas Attorney Generals Office, and take further legal action for willful noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 1692k for actual, statutory, and punitive damages, as well as attorneys fees.

This is a final demand for deletion. I expect written confirmation that the account has been permanently removed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The addresses on my credit report are incorrect. Ive attached my documents for verification and request these addresses be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion is currently reporting two charge-off accounts, XXXX  ( account number XXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX with a balance of {$0.00}, and XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX also with a balance of {$0.00}. These entries are inaccurate, misleading, and damaging to my credit history. The charge-offs are being reported without proper verification, documentation, or context reflecting their current status. Reporting charge-offs with a XXXX balance but without clarifying whether the accounts were paid, settled, disputed, or closed improperly misleads creditors and lenders, resulting in unjust harm to my creditworthiness. This violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681e ( b ), TransUnion is legally obligated to employ reasonable procedures to ensure maximum possible accuracy in the information it reports. The ongoing reporting of these charge-offs, without furnishing complete evidence substantiating the accuracy and validity of each accounts status, falls short of this statutory requirement. When I disputed these accounts, TransUnion failed to provide original creditor documentation, signed agreements, payment histories, or charge-off statements proving the legitimacy and accuracy of these reports. Instead, TransUnion relied on third-party data aggregators and automated verification, which do not satisfy the mandate for a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). 

The law requires that disputed information be verified through direct evidence obtained from the original creditor, not simply through automated or third-party data matches. If TransUnion can not produce original, certified documentation confirming the precise details and status of these charge-offs, it has no legal basis to continue reporting them. TransUnions failure to meet this standard unjustly shifts the burden onto me, the consumer, to disprove information that lacks adequate verificationa burden the FCRA expressly forbids. 

These unsubstantiated charge-offs have inflicted substantial and ongoing harm, including increased borrowing costs, credit denials, and reputational damage that have directly impacted my financial wellbeing and opportunities.

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 2025-08-09 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: NV

Complaint narrative:
XXXX XXXX : Experian Information Solutions , Inc . 
Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX I am filing this complaint regarding systematic FCRA violations by Experian involving impossible 'Verified ' claims conducted under the professional XXXX XXXX XXXX XXXX XXXX a Certified Receivables Compliance Professional ( CRCP ). This case represents willful investigation methodology failures worthy of maximum regulatory penalties. 

* * CORE VIOLATION - IMPOSSIBLE VERIFICATION CLAIMS : * * Experian has conducted FOUR separate investigations claiming 'Verified " results while the debt collector under professional CRCP supervision maintains complete silence : - Investigation # XXXX ( XX/XX/XXXX ) - Claimed 'Verified ' - Investigation # XXXX ( XX/XX/XXXX ) - Claimed 'Verified ' - Investigation # XXXX ( XX/XX/XXXX ) - Claimed 'Verified ' - Investigation # XXXX ( XX/XX/XXXX ) - Claimed 'Verified ' * * CRITICAL QUESTION : * * How can Experian claim 'Verified " when AIM Receivables/Oliphant XXXX under XXXX XXXX 's professional CRCP oversight has XXXX XXXX XXXX XXXX XXXX XXXX XXXX all FDCPA XXXX validation demands? 

* * PROFESSIONAL OVERSIGHT CREATES ENHANCED LIABILITY : * * XXXX XXXX, as a XXXX professional supervising both AIM XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Texas, XXXX any 'inadvertent mistake ' defense. This professional certification establishes willful violation standards under FCRA XXXX. 

* * SYSTEMATIC INVESTIGATION METHODOLOGY FAILURES : * * XXXX. * * False XXXX Process : * * Experian claims 'verification ' without any substantive response from professionally supervised debt XXXX XXXX. * * XXXX XXXX XXXX : * * Same debt appears with different amounts creating $ XXXX fraudulent markup XXXX. * * XXXX XXXX : * * CRCP oversight enables systematic abandonment while falsely representing compliance to Experian XXXX. * * XXXX XXXX XXXX : * * XXXX professional operation violating Nevada consumer XXXX through Experian 's XXXX process This represents * * systematic investigation methodology fraud * * under professional oversight that demands precedent-setting regulatory enforcement.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged credit card debt you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original signed credit card agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance.

6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt.

Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry.

This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
I am confident this late payment report is a mistake. As a punctual payer, I request its removal and an accurate update to my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: MS

Complaint narrative:
My name is XXXX XXXX XXXX. On XX/XX/year>, I entered the XXXX XXXX XXXX in XXXX, MS to purchase a desk and chair. Due to a cooking accident, I was suffering from XXXX  XXXX  caused by pepper juice in my eyes. I told the sales staff that I couldnt read well that day and asked them clearly, If I make all of the weekly payments, how much will I pay total? I was told about {$1100.00}. 

Based on that explanation, I signed the agreement. I was later shocked to discover I had signed a rental-purchase lease agreement with Acima that would cost me {$2700.00} over 95 weeks for items Acima says are worth {$1000.00}. This is more than double the price I was quoted. The lease number with Acima is XXXX XXXXXXXX. 

I have already paid more than {$1900.00}, which is well over the retail value. I now realize this was a predatory lease, and I was misled at the point of sale. 

Acima refuses to resolve the issue and places the blame entirely on the retailer, despite Acima being the financial beneficiary of the transaction. I was not given an honest chance to make an informed decision. I was taken advantage of due to a temporary XXXX and misled about the cost. This appears to be a violation of consumer protection laws regarding disclosure, misrepresentation, and unconscionable contract terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: CA

Complaint narrative:
I am currently reviewing my Experian Credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: MN

Complaint narrative:
Tek Collect Inc is trying to collect money for a XXXX XXXX XXXX debt. When XXXX XXXX XXXX announced their bankruptcy, I had only received my retainers a few days beforehand and had not started my treatment plan. I was justifiably hesitant to undergo something as major as orthodontic work without access to orthodontists to ensure everything was going smoothly and safely so I never used the retainers. I should not be responsible for this debt. As of XX/XX/XXXX, this debt was reported on my credit report. The total debt is {$830.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
These accounts were not authorized by me and may be linked to fraudulent activity. I respectfully request their elimination from my credit history and a complete review. Supporting paperwork is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
I am deeply concerned to see that inaccurate accounts are still appearing on my credit report, even though they should have been removed. I am requesting that the documents I have attached be reviewed thoroughly so that this issue is resolved once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-10 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: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
this is a charged-off account, believe this debt is not owed, either because it was already paid in full to the original creditor, or it's simply an error. this debt ( especially if it was paid or is incorrect ) is being inaccurately reported on your credit report, which is harming your credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: TN

Complaint narrative:
I applied for a new car and was declined because of negative items on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: TN

Complaint narrative:
I applied for a new car and was declined because of negative items on my credit.

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 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am filing this complaint due to inaccurate and unverified information reporting on my credit report by Credence Resource Management. This account is appearing without sufficient legal verification or documentation as required under the FCRA, FDCPA, and UCC laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: MO

Complaint narrative:
I disputed this matter with Equifax and with you all you all and Equifax did not properly investigate and lied. They said these accounts werent on my credit in there response to. They really dont do investigations and they lie. This is proof of the sham fake investigation. I have included copies of everything. They have violated several ucc and fcr rules and laws. 

XXXX This was my original complaint. 

I have sent several letters asking for a debt to be validated and account and the method of verification be sent to me. They have failed to respond 3 times .. Dear EQUIFAX After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. I am requesting the Method of Verification for the following disputed 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 As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must reverse ALL NEGATIVE REMARKS and the listing must show as PAID AND OR PAYS AS AGREED! This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ). Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc. 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute I am anticipating a time response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit report to prevent further damage. Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief