vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I am writing to dispute accounts currently being reported on my Equifax credit report that are the result of identity theft, and whose continued reporting constitutes violations of the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681c-2 and 1681b. 

Please find attached my Identity Theft Report issued by the Federal Trade Commission ( FTC ) as required under the law. 
FTC REPORT NUMBER : XXXX Under FCRA 1681c-2, Equifax is legally required to block any item identified by the consumer as a result of identity theft within four ( 4 ) business days of receiving the proper documentation. 

The following fraudulent accounts must be blocked and permanently deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, 15 U.S.C. 1681b prohibits any credit reporting without a permissible purpose or the consumers explicit authorization. I never gave written consent to report these accounts, nor is there any contract or signature from me. Therefore, these entries are both unauthorized and unlawful. 

I have previously contacted Equifax regarding this matter, but the situation remains unresolved. These inaccurate entries are actively harming my credit, affecting my ability to obtain housing and financial products crucial to my personal and economic development. 

Other credit bureaus have already removed these accounts after they were unable to verify them per federal standards. I am unable to understand why Equifax continues to report them. 

In addition, I have reached out directly to the furnishers of these accounts and have received no contractual documentation or verification in more than 60 days, which further confirms that these accounts are unverifiable and invalid. 

In accordance with FCRA 1681c-2 and 1681b, I formally demand the immediate deletion of these accounts from my credit report. Please confirm in writing that these entries will be removed and not reported again in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing this formal complaint under the Fair Credit Reporting Act ( 15 U.S. Code 1681 et seq. ). My credit reports from Experian, Equifax, and TransUnion contain multiple collection accounts that are inaccurate, unverified, and potentially in violation of federal law.Despite my previous efforts to obtain verification or validation of these debts, I have not received sufficient documentation to support their continued reporting. I am therefore requesting your assistance in investigating the following accounts and enforcing my rights under federal law. 
XXXX. XXXXXXXX XXXX XXXX 
- Amount : {$740.00} - Opened : XX/XX/XXXX - Bureau ( s ) : Experian, TransUnion - Issue : No documentation has been provided to validate this debt. - Legal Reference : Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), disputed items must be verified within 30 days or removed. 
XXXX. XXXX XXXX XXXX. 
- Amount : {$170.00} - Opened : XX/XX/XXXX - Bureau ( s ) : Experian, TransUnion - Issue : This appears to be a medical debt, yet no breakdown or verification has been provided. - Legal Reference : If this is a paid medical debt, its reporting may be prohibited by updated CFPB policy and 15 U.S. Code 1681c ( a ) ( 4 ). 
XXXX. XXXX XXXX XXXX - Amount : {$1000.00} - Opened : XX/XX/XXXX - Bureau ( s ) : Experian, TransUnion - Issue : This is a debt buyer. They have not provided proof of ownership or a full validation of the debt. - Legal Reference : Under 15 U.S. Code 1681i and 15 U.S. Code 1692g ( b ), any debt collector must validate debts upon request. 
Legal Grounds for Removal - 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) : Items not verified must be deleted within 30 days. - 15 U.S. Code 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. - 15 U.S. Code 1681c ( a ) : No adverse information may be reported beyond its allowed timeframe. - 15 U.S. Code 1681g ( a ) ( 1 ) : Consumers have the right to see all information reported about them. 
These accounts are damaging my credit score ( currently in the XXXX ) and affecting my ability to obtain housing and fair credit. I request that the CFPB fully investigate these matters and direct the credit reporting agencies and furnishers to provide verifiable documentation or delete these accounts in accordance with the law.Thank you for your time and support in ensuring the accuracy and legality of the information on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the XXXX XXXX XXXX XXXX ( XXXX XXXX ( a ) ), the XXXX  is required to conduct a reasonable reinvestigation within XXXX days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. 
Instead, the bureau appears to rely on automated systems ( such as XXXX  ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy undeXXXX XXXX  XXXX ( b ) / XXXX XXXX. XXXX ( b ). 
The XXXX XX/XX/year> enforcement action against XXXX  ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXX XXXX, XXXX XXXX, XXXX 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 2025-07-14 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: NC

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 XXXX of the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. I looked at my Experian report on XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning individual about whom the report relates according to 15 USC 1681 { e ) ( b ). And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In generalf, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information, as appropriate based on the results of reinvestigation and promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person has reasonable cause to believe that the information 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 explanation
Consumer complaint received 2025-07-13 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-07-14 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: Coast to Coast Financial Solutions, Inc.
State: CA

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, D.C. XXXX Subject : Complaint Regarding Improper Debt Reporting Coast to Coast Financial Solutions Company in Question : Coast to Coast Financial Solutions Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Officer, I am writing to file a formal complaint regarding a collection account being reported on my personal credit by Coast to Coast Financial Solutions. This collection is in reference to a commercial lease I was forced to terminate due to XXXXrelated hardship. 

In XXXX, I operated my small business at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. The mandatory shutdowns caused by the pandemic made it impossible to maintain the lease, forcing me to vacate. This action was made under financial duress and during a time of widespread small business closures. 

In XX/XX/XXXX, I entered into a new lease at the exact same address now operating out of XXXX XXXX and have remained a tenant in good standing, paying rent consistently and on time. Despite this, Coast to Coast is still reporting a {$13000.00} collection to the credit bureaus, which is negatively impacting my personal credit. 

My legal representative at XXXX XXXX XXXX XXXX formally requested a Debt Validation Letter from Coast to Coast. To date, no response has been received, and I have not been provided with any supporting documentation verifying the debt. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and my rights under the Fair Credit Reporting Act ( FCRA ).

I respectfully request the CFPB to : Investigate the conduct of Coast to Coast Financial Solutions, Hold them accountable for their failure to validate the debt, And assist in the removal of this collection account from my credit reports.

Thank you for your time, advocacy, and assistance in resolving this matter. 

Sincerely, 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 2025-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
the company is reporting that I owe them a debt, I am not aware of the debt. also, according to the new rule that was put in place by the CFPB that says that medical bills would be removed from consumer credit reports and prohibit lenders from using information, the debt should not be reporting on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
RE : Request for Debt Validation Dear Credit Collection Service, I am writing in response to a call regarding an alleged debt. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Under the FDCPA, I have the right to request verification of the alleged debt. Therefore, please provide me with the following information : 1. The name and address of the original creditor.

2. The original account number.

3. The amount of the alleged debt, including a breakdown of interest, fees, payments, and credits.

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

5. A copy of the original contract or agreement bearing my signature, if applicable. 
6. Documentation showing that I am legally obligated to pay this debt. 

Until you provide the requested information, I am requesting that you : Cease all collection activity, including phone calls and reporting this alleged debt to credit bureaus. 
Not contact me except to provide the requested documentation. 

If you fail to provide proper validation, or if you continue collection activities without validating the debt, you will be in violation of the FDCPA, and I will not hesitate to report your agency to the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney Generals office. 

This is a formal request and should be treated as such. Please respond in writing within 30 days from the date of your receipt of this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the XXXX  Experian , and Equifax credit reporting agency . I request that you ( CFPB ) 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.

In accordance with the Fair Credit Reporting act, a inaccurate a account that was already deleted include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/year> Shows 8 late payments This was already removed once in the case of identity thief! It is illegal to remove and place back on my credit consumer profile according to 15 USC 1681 5 & USC 1681 ( e ) ( b ). 

XXXX XXXX XXXX XXXX Bought debt on XX/XX/XXXX ( illegal ) according to 15 USC 1681 5 & USC 1681 ( e ) ( b ). & 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agett onto ncy can not furnish a account without my written instructions All the accounts are falsely on my Experian, XXXX XXXX and Equifax consumer credit profile. I would like these accounts deleted with in 4 days of receiving this complaint.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting XXXX XXXX XXXX can not furnish a account without my written instructi
ons

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 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I arrived at XXXX XXXX and went to XXXX car rental to pick up my rental car. 
While signing all required paperwork the company offer me their insurance but I chose to use my own. I was charged around XXXX $ for security and a additional XXXX for tolls. 
I was told to go down XXXX level in the garage to finally receive the car. When the car showed up was freshly washed so I noticed the damaged rear bumper and ask the guy for another car but was told that there were no more cars available. I asked him to recorde it on paper and have hes signature but again was told to take pictures and videos on my own for my records. I immediately took pictures in angles that would show were the car was .Same situation was when I returned the car, these guys pretending to be to busy even when nobody else are waiting. 
Around XXXX months passed and I received the first call and they told me that they have been sending emails to me regarding the damage of the car and i asked why emails and not letters, i told them that i didn't see these emails that if i received probably went to spam or something. I did tell them that the car was already damaged and I sent the pictures, they said it will be reviewed and they will get back to me. 
XXXX I was contacted again was already the collection company, I told them the same they asked for proof and I sent the pictures to them. 
After a while the contacted me again saying that the pictures were not good enough to proof that it happened before me taking the car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I am reporting identity theft involving fraudulent information being reported about me to consumer reporting agencies ChexSystems. I have been denied the ability to open a bank account due to negative records that I did not authorize or recognize. These agencies have bought, sold, and shared personal information connected to my identity-including potentially false or fraudulently obtained records-which constitutes unauthorized use of my personal identifying information, as defined under the FTC Identity Theft Act and federal consumer protection laws. 
I have never knowingly opened or authorized any account or transaction that would result in the negative records listed in these reports. I suspect my information may have been compromised due to a prior data breach or lost wallet incident in XX/XX/year>. The continued use, trade, or distribution of these records without my consent is damaging and unlawful.

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 2025-07-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am contacting you to report that I have been a victim of identity theft. I recently became aware that an account was fraudulently opened under my name at XXXX XXXX XXXXXXXX on XX/XX/year>, without my knowledge or consent. I did not give anyone permission to use my personal informationincluding my name, Social Security number, or any other identifying datato open or operate this account. 

Until now, I had no knowledge of this account 's existence. I believe my personal information may have been compromised due to unauthorized access to my mailbox, which may have led to the misuse of my documents.

This letter serves as my formal dispute of any debt or financial obligation connected to this fraudulent account. I am not liable for any transactions or charges associated with it. 

To support the investigation and resolution of this issue, I have included the following documents : A copy of my drivers license A copy of my Social Security card Proof of my current address A copy of the Police Report

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my Transunion credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. The fraudulent hard inquiries are : Unauthorized Inquiry ( XXXX ) XXXX XXXX XXXX Unauthorized Inquiry ( XXXX ) -XXXX XXXX XXXX Unauthorized Inquiry ( XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry ( XXXX ) XXXX XXXX XXXX Unauthorized XXXX ( XXXX ) -XXXX XXXX XXXXXXXX Unauthorized Inquiry ( XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiry ( XXXX ) XXXX XXXX XXXXXXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. 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 hard inquiries are the 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 non-monetary relief