vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This account appears prematurely charged off. Opened in XX/XX/XXXX and already XXXX  in XX/XX/XXXX. Also shows XXXX  + past due simultaneously. Provide original loan contract, assignment, and balance validation. Otherwise, delete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Unauthorized Inquiries to Be Deleted : XXXX 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 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within 30 days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: VA

Complaint narrative:
-- - # # # * * CFPB Complaint Draft ( Inaccurate Reporting Equifax ) * * * * Subject : * * Equifax reporting inaccurate information despite consumer dispute XXXX XXXX XXXX XXXX XXXX XXXX Details of the Issue : * * I am submitting a formal complaint against * * Equifax * * for reporting * * inaccurate and disputed information * * on my credit report. 

Attached is a screenshot showing an active collection account from * * XXXX XXXX XXXX XXXX XXXX XXXX with the following details : * * * Open Balance : * * \ {$990.00} * * * Account Opened : * * XX/XX/XXXX * * * Account Status : * * Open * * * Remarks : * * * Placed for collection. Account information disputed by consumer ( repeated ). * Despite my dispute, * * Equifax continues to report this account inaccurately * *, failing to conduct a reasonable investigation or remove/update the disputed information as required under the Fair Credit Reporting Act ( FCRA ). 

* * Inaccuracy Details : * * * The account is labeled as " Open '' despite being in collection. Collection accounts are generally considered closed by the original creditor. 
* The dispute remarks are repeated redundantly. 
* Equifax has failed to update the account after a formal dispute was made. 
* The reporting is damaging my credit profile and affecting my ability to access financial products. 

This demonstrates a * * clear failure by Equifax to uphold their legal obligation under the FCRA to investigate and correct disputed information. * * * * Supporting Documentation : * * ( Attach the screenshot you uploaded here as a PDF or image to your CFPB complaint. ) * * Recent CFPB Enforcement Action : * * I would also like to highlight that the * * CFPB fined Equifax \ {$3.00} million in XXXX * * for similar violations, including * * providing inaccurate credit information * * and failing to maintain reasonable procedures for maximum possible accuracy. These ongoing issues show a pattern of non-compliance and negligence. 


* * Consumer Harm : * * The inaccurate reporting is causing harm to my credit score and financial standing, especially as this is a disputed collection. This is affecting my ability to secure credit and impacting my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: OH

Complaint narrative:
I am disputing negative information on my credit profile that has left a negative mark on my credit report. I had a personal account with progressive insurance. I now work for a company that pays my insurance. I provided documentation to progressive and they advise me it would take 30 days for the information to be updated and removed. It still remains after months of back and forth. I want it have it reinvestigated and corrected. I have submitted documentation multiple times and nothing has been done,

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 2025-09-01 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: OH

Complaint narrative:
I am disputing negative information on my credit profile that has left a negative mark on my credit report. I had a personal account with progressive insurance. I now work for a company that pays my insurance. I provided documentation to progressive and they advise me it would take 30 days for the information to be updated and removed. It still remains after months of back and forth. I want it have it reinvestigated and corrected. I have submitted documentation multiple times and nothing has been done,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 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 2025-09-01 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: MI

Complaint narrative:
I am disputing an inaccurate status on my TransUnion report for XXXX ( Acct XXXXXXXX XXXX XXXX  ). The tradeline shows Status : Transferred, Balance : {$0.00}, and Monthly payment : {$0.00}, yet it also reports Payment Status : Late 120 Days and derogatory coding after the transfer. That combination is inaccurate and misleading. 

On XX/XX/year> I requested a reinvestigation and the method of verification. TransUnion has not provided the Date of First Delinquency ( DOFD ), transfer records, or an itemized account history that substantiates any 120-day late after the account was closed/ transferred with a {$0.00} balance. 

Under the FCRA ( 15 USC 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 7 ), 1681s-2 ( b ) ), TransUnion must ensure maximum possible accuracy, conduct a reasonable reinvestigation, and provide the method of verification on request. Please require TransUnion to correct or delete the inaccurate coding.

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 2025-09-01 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: NY

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-01 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: OneMain Finance Corporation
State: PA

Complaint narrative:
This loan reports charge-off and lates for the same periods. This is misleading and violates FCRA accuracy requirements. Provide contract, ownership transfer records, and validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: MI

Complaint narrative:
I am disputing an inaccurate status on my Equifax report for XXXX ( Acct XXXXXXXX XXXX XXXX ). The tradeline shows Status : Transferred, Balance : {$0.00}, and Monthly payment : {$0.00}, yet it also reports Payment Status : Late 120 Days and derogatory coding after the transfer. That combination is inaccurate and misleading. 

On XX/XX/XXXX I requested a reinvestigation and the method of verification. Equifax has not produced the Date of First Delinquency ( DOFD ), transfer records, or an itemized account history that substantiates any 120 Days Late once the account was transferred/closed with a {$0.00} balance. 

Under the FCRA ( 15 USC 1681e ( b ), 1681i ( a ), 1681i ( a ) ( 7 ), 1681s-2 ( b ) ), Equifax must ensure maximum possible accuracy, conduct a reasonable reinvestigation, and provide the method of verification on request. Please require Equifax to correct or delete the inaccurate coding. 

( For reference, the entry shows : Type : Installment Educational ; Status : Transferred ; Balance : {$0.00} ; Payment Status : Late 120 Days ; Date opened : XX/XX/XXXX ; Last reported : XX/XX/XXXX ; Comments : Account transferred or sold / Student loan ; Date last active : XX/XX/XXXX ; Date of last payment : XX/XX/XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: SC

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-01 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX of XXXX  but the date and amount changed and they started it over I called to try and fix it but they were no help its XXXX XXXX Transworld system inc. but its collections for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: Experian Information Solutions Inc.
State: MO

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 2025-09-01 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
am disputing an apartment collection account being reported by FCO Collections on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account claims I owe {$21000.00} ( Account # XXXX ). 
On XX/XX/XXXX and XX/XX/XXXX, I sent a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In response, on XX/XX/XXXX and XX/XX/XXXX, FCO sent me a letter that simply restated the balance and creditors name. They did not provide a copy of the original lease agreement, an itemized accounting of charges, or proof of their authority to collect this debt. 
Despite their failure to provide proper validation, FCO continues to report this debt to the credit bureaus, damaging my credit profile. This constitutes both : A violation of the FDCPA ( continuing collection activity without validation ), and A violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( furnishing information that is inaccurate, incomplete, and unverifiable ). 
I have attempted to resolve this directly with the collector by disputing the account and requesting proper documentation, but they refuse to provide anything beyond a balance summary. I am attaching their verification letter, which demonstrates the lack of proper validation. 
I request that this collection account be removed from all credit bureau reporting unless FCO can provide : A copy of the signed lease agreement, An itemized statement showing how the balance was calculated, and Proof they have authority to collect on behalf of the creditor. 
I also request that the CFPB investigate FCO Collections for ongoing violations of federal law.

Company response to consumer: Closed with explanation