vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ProCollect, Inc.
State: UT

Complaint narrative:
I am filing this new complaint because Pro Collect closed my previous complaint ( Case # XXXX ) claiming they had provided " proof '' of the debt. This is false. 

On XX/XX/year>, I finally received their response via mail. It contained ONLY a generic, computer-generated ledger and a past notice. This response is legally insufficient and fails to validate the debt for the following reasons : 1. FAILURE TO VALIDATE ( NO CONTRACT ) : In my previous complaint, I explicitly requested the Original Lease Agreement bearing my wet-ink signature. Pro Collect failed to provide this. A printed ledger is NOT a contract. Without a signed agreement, they can not prove I authorized these specific charges or the numerous " {$5.00} Late Fees '' listed.

2. ILLICIT DOUBLE REPORTING ( DOUBLE JEOPARDY ) : Additionally, this single alleged debt is being reported in a way that negatively impacts my credit report multiple times ( duplicate reporting ). This artificially inflates the damage to my credit score and violates the FCRA 's requirement for accuracy.

3. NO CHAIN OF TITLE : They failed to provide any document proving the legal assignment or sale of this debt from the original creditor to Pro Collect.

Pro Collect closed the previous case to avoid properly addressing these violations. Since they can not produce the signed contract I requested, I demand the IMMEDIATE DELETION of this unverified account from all my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I am filing a complaint against Experian for reporting inaccurate information on my credit report. I requested validation of the debt, but they only responded that it was verified without providing any supporting documentation. 

I then requested a re-investigation and the method of verification, but they have not provided either. Despite this, they continue to report the account, which I believe is inaccurate and harmful to my credit. The XXXX XXXX XXXX Account 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 2025-12-03 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: TX

Complaint narrative:
I am filing a complaint against Experian for reporting inaccurate information on my credit report. I requested validation of the debt, but they only responded that it was verified without providing any supporting documentation. 

I then requested a re-investigation and the method of verification, but they have not provided either. Despite this, they continue to report the account, which I believe is inaccurate and harmful to my credit. The XXXX XXXX XXXX Account is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX, Consumer Social Security Number:XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a personal information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I do not recognize the aforementioned inaccurate personal information as reported. The aforementioned inaccurate personal information appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned innaccurate personal information are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit inaccurate personal information and hard inquiry are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : 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. This fraudulent inaccurate address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following address have resulted in several fraudulent appearing on my consumer credit report. I do not recognize the aforementioned address as reported. The aforementioned address appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned address are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # IDTheftReport_OO_XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit address are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-03 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: GA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-03 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$15000.00} By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Chase bank closed my account and did not give me a written notice for reasoning after I filed a dispute with them about fraudulent charges made to my account in XXXX and I also had this issue with XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it is not correct and does not show my true payment history. I have always made my payments on time, and this mistake should not be there. This was paid as agreed and should not be showing negatively on my report. Please update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX  Account XXXX  XXXX was removed from my credit report and my information was sold to CREDENCE RESOURCE MANAGEMENT Reappeared XX/XX/year> Original Creditor : XXXX  Amount : {$720.00} Violations : FDCPA 15 U.S.C. 1692g ( b ), 1692c FCRA 15 U.S.C. 1681e ( b ), 1681s-2 ( b ), 1681i ( a ) ( 5 ) ( B ) Federal Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ;, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian previously reported my XXXX XXXX XXXXXXXX credit card ( last XXXX # XXXX ) incorrectly by placing it under Other Accounts, which caused the credit limit to be excluded from my Total Credit Line and incorrectly impacted my oldest account age. Recently, I noticed that some parts of this issue were corrected, including the Total Credit Line and the age of the account. However, the remaining errors are still significant : ( 1 ) The account is still classified under Other Accounts instead of under the main credit card section.

( 2 ) The credit limit and balance updates do not appear on the main revolving accounts section like all of my other credit cards.

( 3 ) Experian continues to show a false dispute remark ( Account in dispute under Fair Credit Billing Act ) even though there is no open dispute.

I have attempted to dispute this multiple times directly with Experian over the past year, but every time they closed the dispute claiming that the account appears normal on their side. Despite this, the incorrect classification, missing reporting data, and inaccurate dispute comment remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

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 2025-12-03 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: PA

Complaint narrative:
No third-party company is involved so please dont respond with a stall letter or a generic reply.

This dispute is coming from me, the actual consumer, and it needs to be handled seriously and according to the law.

I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies.

Fraudulent Accounts : 1. XXXXXXXX XXXX XXXXXX/XX/XXXX 2. XXXX XXXX  XX/XX/2025 3. XXXX Account Number : XXXX 4. XXXX  XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX Account Number : XXXX 7. 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 non-monetary relief
Consumer complaint received 2025-12-03 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: PA

Complaint narrative:
I am submitting this complaint because my Equifax credit report contains multiple inaccuracies that misrepresent my credit history, and I am seeking a fair resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). By law, I am entitled to a credit report that is accurate, complete, and verifiable, as supported by FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 607 ( b ), 611, 605 ( a ), 605 ( a ) ( 4 ), 605 ( a ) ( 5 ), 609, 602 ( a ), 604 ( a ), and 15 U.S. Code 1666 and 1666a. 

The first account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports a {$0.00} balance but shows a last activity date of XX/XX/XXXX and a last payment of XX/XX/XXXX with a 30-day late reported in XX/XX/XXXX. This inconsistency makes it impossible to verify the account accurately. I request that this account be corrected or updated to reflect accurate and verifiable information. 
There are multiple XXXX accounts reporting balances of {$2900.00}, {$4100.00}, {$2300.00}, {$1600.00}, {$2900.00}, {$7100.00}, {$1200.00}, {$3800.00}, {$3300.00}, {$200.00}, {$9400.00}, {$4100.00}, {$3000.00}, {$9100.00}, and {$4700.00}. All of these accounts list a last activity date of XX/XX/XXXX and a last payment of XX/XX/XXXX, despite having different opening dates between XXXX and XXXX. It is not reasonable or accurate for all accounts to share identical activity and payment dates without verifiable documentation. I am requesting that each account be individually reviewed, corrected, and updated with supporting records to ensure accuracy. 
Additionally, late closed accounts contain inaccurate information. XXXXXXXX XXXX XXXX XXXX XXXX XXXX reports a last payment of XX/XX/XXXX but shows a 30-day late in both XXXX and XX/XX/XXXXXXXX XXXX XXXX These discrepancies are inconsistent and must be corrected or updated to reflect accurate, verifiable account history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
I have no association with this account, and its being reported incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I been going through identity theft since i was XXXX XXXX XXXX from opening accounts and someone stealing my identity and bank cards that gave them the opportunity to misuse my identity and other information for as my bank debit cards, power companies and places.

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 2025-12-03 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : Account name : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-12-03 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here are the items I am asking you to verify as accurate : Account name : XXXXXXXX XXXX  Account number : XXXX

Company response to consumer: Closed with explanation