vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
it is not legal to add a collection to your credit report without notice, as the Fair Credit Reporting Act ( FCRA ) requires debt collectors to provide you with a validation notice or attempt to contact you before reporting the debt. Debt collectors must take specific steps to notify you, such as mailing a letter or sending an electronic communication and waiting at least XXXX  days for a non-delivery notice. If a collection account appears on your report without prior notification or without a valid debt validation, you can dispute it and seek compensation for damages. This is my second attempt to get this removed from my credit before I involve my lawyer. This debt is not mine. I have never received a letter or call regarding this debt. I submitted the first complaint yesterday on XX/XX/year> and it was closed on XX/XX/year> without removal or validation of debt. I will not contact anyone about a debt that is not mine and I demand this be taken off of my credit immediately. I will also be seeking compensation of damages and attorney fees for the illegal practices of this collection company if this is not removed within XXXX days of this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I am filing this complaint because an account reported by National Credit Adjusters for an alleged XXXX XXXX loan ( Account # XXXX ) is appearing on my XXXX  credit report without proper validation or legally required documentation. 

This furnisher has failed to provide any evidence that this debt is accurate, enforceable, or even mine. I have not received : A copy of the original signed contract or agreement A full itemized accounting of the alleged {$500.00} balance Proof that National Credit Adjusters owns, purchased, or has legal authority to collect or report this debt Proof that the information they are furnishing to XXXX is complete and verifiable Under XXXX U.S.C. XXXX ( b ) ( FCRA ), XXXX  must maintain reasonable procedures to ensure that the information they report is accurate. Reporting a debt without evidence or documentation violates this requirement. 

Under XXXX U.S.C. XXXX ( FCRA XXXX ), if a consumer disputes information, the bureau must conduct a reasonable reinvestigation and delete the information if it can not be verified with actual evidence not data matching or unverifiable electronic records. 

Under XXXX U.S.C. XXXX ( b ) ( FDCPA ), once a debt is disputed, the collector must cease collection activity and provide proper validation. National Credit Adjusters has not met these requirements. 

Despite failing to validate the account, this furnisher continues to update and report the account ( most recently in XX/XX/year> ), which constitutes furnishing information that has not been verified. 

I am requesting that the CFPB require National Credit Adjusters and XXXX to : XXXX. Provide full, legally compliant validation of this debt with actual documentation ; or XXXX. Delete the account from my credit file if they can not prove its accuracy and legality as required by law. 



This account should not remain on my credit report without complete and verifiable evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I have no connection to these accounts ; please remove them within XXXX days under USC XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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.

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emwere ails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My existing credit card account with XXXX XXXX was acquired by Barclays Bank Deleware. I was not informed of the account change. The account number and the automatic payment settings were changed without prior authorization. The account then become delinquent and was reported as such to XXXX  When I contacted Barclays to inquire about the account they refused to confirm the account number or that the account belonged to me. I was left with no choice but to report the account as fraudulent. When XXXX  was able to confirm that the account was in fact acquired from XXXX XXXX I proceeded to contact Barclays to payoff the balance of the now delinquent account and they refused to take payment. Only after 1 hour of speaking with a support manager on the phone was I given a XXXX XXXX XXXX remit payment, and a new account number to submit for the payment. I am now left with a permanent delinquent report on my credit report that will adversely effect my ability to obtain credit in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within XXXX days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section XXXX ( XXXX ) to inform the consumer reporting agency of the dispute. You also violated the FCRA XXXX. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. XXXX ] " ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with Federal Law. 

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
I am writing to dispute the accuracy of the following accounts on my Equifax credit report. These accounts are reported incorrectly, and I request that they be investigated and removed or corrected as necessary. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00} Inquiries : No inquiries listed for Equifax. 

Positive Accounts : No positive accounts listed for Equifax. 

Late Payments : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under XXXX XXXX. XXXX ( a ). 
Under XXXX XXXX XXXX, XXXX XXXX, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, XXXX XXXX. XXXX of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at XXXX XXXX. XXXX et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
I would like the -- -- -- - to get involve and help me and challenge these people, in the first place this case have no merit to start with and wasn't signed not by a human person, none of what they say match with any records I have. 
They couldn't name the lawyer who started law suits against me, phone number, no email address etc..... This thing seems unreal plus I was suit in XXXX  knowing the -- -- -- - suit them at this period of time for all reason listed on your sites and my case has the same similarity. 

I want the -- -- AND/OR any administration to verify -- -- -- -- -, since these people never got me the requires documents to file a motion They information i've got from them don't match any records and according to them they've got to file file a dispute with THE -- -- -- -- - to obtain the documents. 
Why my situation match with the information provided by -- -- - on their website. 

Please help me to get satisfaction and challenge them in courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: SD

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 XXXX, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MA

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MA

Complaint narrative:
I want the CFPB to compel the bureau to delete unverifiable accounts, inquiries and personal information and provide documentation proving their investigation method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this complaint because my credit report continues to show outdated and incorrect personal information, despite a previous request to have it corrected. Under the Fair Credit Reporting Act, consumer reporting agencies are required to maintain accurate and up-to-date information, and the items appearing on my report do not meet that standard. 

When I reviewed my credit reports dated XX/XX/XXXX, I found several old addresses and employment entries that no longer apply to me. These items are not current, are not connected to my present situation, and should not be included in my file. Their continued presence may lead to confusion or misidentification. 

Information that needs to be removed : Outdated Addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX. XXXX XXXX XXXX XXXX, OH XXXX Outdated Employer Information : XXXX. XXXX XXXX XXXX XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2025-11-21 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:
I am submitting this complaint to report several inaccurate, incomplete, and unverified entries appearing on my credit reports. These furnishers are reporting information that does not meet the requirements of FCRA 602, 607 ( b ), 609, and 611, and I am requesting a full investigation into their reporting practices. 

Below are the accounts currently reporting late payments, charge-offs, and other negative information that I dispute as inaccurate and not consistent with my actual payment history : Accounts Reporting Incorrect Late Payments I am disputing these because the payment history being reported is incorrect I have never made late payments, and I am requesting correction of the inaccurate history, not deletion of the account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Late Payment For all of these accounts, I request that the CFPB require the furnishers to provide verified documentation showing actual late payments. If they can not produce legally verifiable records, the inaccurate late payment history must be corrected immediately as required under the FCRA. 

Charge-Off Account I Do Not Recognize This account appears to be unverified and inconsistent, and I have no knowledge of this debt : XXXX XXXX High Balance : {$4200.00} | Date Opened : XX/XX/XXXX | Charge-Off I request that this furnisher provide proper documentation proving the validity of the debt, including contract agreements, full accounting, and ownership details. If they can not provide verification, this account must be deleted from my credit reports. 

Requested CFPB Action I am requesting the CFPB to : Initiate an investigation into each furnisher listed. 

Require them to provide complete, accurate, and verifiable records supporting the negative marks they are reporting. 

Ensure any entry that can not be verified under FCRA 609 and 611 is corrected or removed immediately.

Ensure all furnishers comply with FCRA 607 ( b ) and maintain maximum possible reporting accuracy. 

These inaccuracies are harming my creditworthiness and violate my rights under federal law. 

Thank you for reviewing my complaint. I request a written response confirming the actions taken.

Company response to consumer: Closed with non-monetary relief