vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I am disputing the following accounts on my Equifax credit report due to inaccuracies and incomplete reporting : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a XXXX  on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish XXXX  proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX  account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this XXXX  on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a XXXX  on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXX XXXX XXXX ) that they do not report or furnish XXXX  proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX  account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this XXXX  on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CO

Complaint narrative:
Could you go through this entry? Its late and might not be accurate.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the accounts below because I believe they contain inaccurate, incomplete, or unverifiable information. I am requesting that TransUnion conduct a proper investigation. If the furnishers are unable to validate these accounts with original documentation, I am fully requesting that they be removed. 

CHARGED OFF ACCOUNTS XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$220.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$980.00} XXXX XXXXXXXX XXXX, opened XX/XX/XXXX, balance {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, balance {$1100.00} XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$0.00} XXXX XXXX, opened XX/XX/XXXX, balance {$940.00} XXXX XXXX XXXX, opened XX/XX/XXXX, balance {$240.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number i
s XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: WA

Complaint narrative:
I am submitting this complaint because Equifax is reporting several inaccurate, unverifiable, and/or incomplete items on my credit report. I have attempted to resolve these issues directly with the credit bureau, but the information remains incorrect. I am requesting CFPB assistance in having Equifax properly investigate and correct or delete the following items : XXXX. CHARGED-OFF ACCOUNTS ( Equifax ) XXXX XXXX  XXXX Acct : XXXX XXXX/Date : XX/XX/XXXX Balance : XXXX XXXX Acct : XXXX XXXX/Date : XX/XX/XXXX Balance : XXXX LATE PAYMENTS ( Equifax ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: AZ

Complaint narrative:
I am disputing the following accounts reporting on my Experian credit report. These accounts contain errors, incomplete reporting, and potential inaccuracies under the FCRA. I am requesting a full investigation and the removal or correction of anything that can not be fully verified with complete and accurate documentation. 

Charged Off / Negative Accounts ( XXXX  ) XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$28.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$610.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$130.00} XXXX XXXX XXXXXX/XX/XXXX {$260.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$780.00} XXXX XXXX XX/XX/XXXX {$130.00} Inquiries ( XXXX  ) None provided. 

Late Payments ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The creditor continues reporting a balance and late payment on a closed account, but they refuse to accept any form of payment and refuse to identify the current owner of the debt. I am unable to cure the delinquency because the lender is blocking payment options. This is inaccurate and unfair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
I am a consumer trying to fix my credit, and I am requesting a full reinvestigation of the following accounts. These items appear to be inaccurate, incomplete, or can not be verified, and I am exercising my rights under the FCRA to dispute all information listed below. 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Late Payments 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 2025-12-01 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccuracies found on my TransUnion credit report. I take great care to maintain an accurate credit history, and I believe that certain accounts are being reported in error or without proper verification. I am requesting that TransUnion reinvestigate the accounts listed below in compliance with the Fair Credit Reporting Act. My goal is to ensure that my credit report reflects only accurate and verifiable information, free of errors that may harm my creditworthiness. 


Accounts in Dispute : XXXX XXXX XXXX ( Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Reported as Charged Off on XX/XX/year> for {$490.00}. 
I dispute the accuracy of this item. Please verify the account details and provide evidence of its validity, or remove it per FCRA requirements. 

XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as Charged Off on XX/XX/year> for {$3200.00}. 
I request full verification and validation of this account. If you can not confirm accuracy through the original creditor, please delete it. 

Late Payments : XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please verify and correct any inaccurate late payment entries. 

XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX I dispute the accuracy of reported late payments. Please investigate and provide validation.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am requesting Experian to investigate all the accounts listed below. The information reported is inconsistent with the other bureaus and may be inaccurate or unverifiable. I am simply trying to fix my credit, and these differences make it impossible for me to maintain accurate records. Please correct or delete any information that can not be verified. 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX OXXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX Bankruptcy, XXXX, XX/XX/XXXX, XXXX INQUIRIES XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX ) LATE PAYMENT XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Absolute Resolutions Corp.
State: PA

Complaint narrative:
Absolute Resolutions Investment, LLC is attempting to collect an alleged debt from me without providing legally required validation, proof of ownership, or evidence of contractual obligation. Despite my formal request for debt verification, the company failed to supply competent evidence that the account is valid, that they own the debt, or that I agreed to any contract with the original creditor. 

This conduct violates multiple provisions of federal law and constitutes unlawful debt collection activity, inaccurate credit reporting, and failure to comply with statutory verification duties. 
Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) Absolute Resolutions Investment failed to provide proper debt validation after receiving my dispute. Under federal law, a debt collector must cease all collection activity until verification is mailed to the consumer.

They did not provide : A copy of the original signed agreement or contract Evidence I agreed to the debt Proof they lawfully purchased or were assigned the account A complete itemized accounting of the balance Proof the alleged debt is still legally enforceable Continuing collection without validation is an explicit statutory violation.

Violation of 15 U.S.C. 1692e Absolute Resolutions Investment has misrepresented : The legal status of the alleged debt Their right to collect it The accuracy of reported amounts The existence of a valid contractual obligation Reporting or collecting without proof constitutes deceptive conduct under federal law.

Violation of 15 U.S.C. 1692f Attempting to collect an unverified debt with no evidence of ownership or obligation is an unfair and unconscionable collection practice.

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) and ( b ) Absolute Resolutions Investment furnished information to consumer reporting agencies without verifying accuracy and failed to conduct a lawful investigation after dispute.

This violates : The duty to report only accurate information The duty to investigate disputed data The duty to delete unverifiable information If information can not be validated, it must be removed by law.

Violation of FDCPA and Common-Law Assignment Principles A debt buyer must show : A valid chain of custody A bill of sale naming the account Proof of assignment from original creditor No such proof has been provided. Without ownership, Absolute Resolutions Investment has no legal standing to collect or report.

Failure to comply constitutes : Continued violations of federal law Exposure to statutory damages Exposure to actual damages Exposure to attorney 's fees and court costs under 15 U.S.C. 1692k and 15 U.S.C. 1681n/o

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to 1,000 dollars per violation and clearly they violated my rights. This is the first I've heard from you, or any other company on this matter therefore, in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization . 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief