vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX To : XXXX XXXX XXXX XXXX 
Attn : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As well as Equifax, Trans Union and Experian Subject : Request for Validation and Correction Account No. XXXX Dear XXXX XXXX XXXX, Equifax, Experian, and Trans Union I am contacting you regarding the above-referenced account that is being reported to the credit bureaus under your companys name. The account is listed as Charged Off with a {$31.00} balance written off and shows as past due as of XX/XX/XXXX. 

I am disputing the accuracy and completeness of this information and formally requesting validation and reinvestigation under the Fair Credit Reporting Act ( FCRA 623 ) and, if applicable, the Fair Debt Collection Practices Act ( FDCPA ).

The following issues require clarification and verification : 1. The account history shows inconsistent reporting, including multiple C ( collection ) and CO ( charge-off ) notations despite the small balance and short-term agreement.

2. The Account previously in dispute investigation complete comment does not reflect that I ever received documentation verifying the debt or charge-off amount. 
3. The account lists a last payment date of XX/XX/XXXX, yet was charged off by XX/XX/XXXX, raising questions about the legitimacy and timing of the charge-off. 

Therefore, I request that you provide : A copy of the original signed agreement or application; A full payment history showing how the {$31.00} balance and charge-off were determined ; The exact charge-off date and internal records supporting that classification ; and Any documentation sent to me notifying of charge-off or delinquency. 

If you are unable to validate this information with complete supporting documentation within 30 days, I request that you immediately instruct all credit bureaus ( Equifax, Experian, and TransUnion ) to delete or correct this account from my credit file. 

Please note that continued reporting of unverifiable or incomplete information violates the FCRA 623 ( a ) ( 1 ), which requires furnishers to maintain accurate and complete reporting. 

Kindly send a written response detailing your findings and actions taken.

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 2025-11-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XXXX Date : XXXX XXXX To : XXXX XXXX XXXX XXXX 
Attn : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As well as Equifax, Trans Union and Experian Subject : Request for Validation and Correction Account No. XXXX Dear XXXX XXXX XXXX, Equifax, Experian, and Trans Union I am contacting you regarding the above-referenced account that is being reported to the credit bureaus under your companys name. The account is listed as Charged Off with a {$31.00} balance written off and shows as past due as of XX/XX/XXXX. 

I am disputing the accuracy and completeness of this information and formally requesting validation and reinvestigation under the Fair Credit Reporting Act ( FCRA 623 ) and, if applicable, the Fair Debt Collection Practices Act ( FDCPA ).

The following issues require clarification and verification : 1. The account history shows inconsistent reporting, including multiple C ( collection ) and CO ( charge-off ) notations despite the small balance and short-term agreement.

2. The Account previously in dispute investigation complete comment does not reflect that I ever received documentation verifying the debt or charge-off amount. 
3. The account lists a last payment date of XX/XX/XXXX, yet was charged off by XX/XX/XXXX, raising questions about the legitimacy and timing of the charge-off. 

Therefore, I request that you provide : A copy of the original signed agreement or application; A full payment history showing how the {$31.00} balance and charge-off were determined ; The exact charge-off date and internal records supporting that classification ; and Any documentation sent to me notifying of charge-off or delinquency. 

If you are unable to validate this information with complete supporting documentation within 30 days, I request that you immediately instruct all credit bureaus ( Equifax, Experian, and TransUnion ) to delete or correct this account from my credit file. 

Please note that continued reporting of unverifiable or incomplete information violates the FCRA 623 ( a ) ( 1 ), which requires furnishers to maintain accurate and complete reporting. 

Kindly send a written response detailing your findings and actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX -- Balance : {$9500.00} - Date Opened : XX/XX/XXXX XXXX XXXX  XXXX # XXXXXXXX XXXX Balance : {$3600.00} - Date Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$930.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$1700.00} - Date Opened : XX/XX/XXXXXX/XX/XXXX # XXXX -- Balance : {$1800.00} - Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX # XXXX -- Balance : {$2600.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX OF XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX AUTO FIN XX/XX/XXXX XXXX XXXX  SV XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccuracies on my credit reports that have misrepresented my payment history, late activity, and account information. Despite my efforts to maintain accurate and timely payments, these accounts are being reported incorrectly across the credit bureaus. I am requesting that each account be corrected to reflect the accurate payment history, in accordance with my rights under federal law, including FCRA 611, FCRA 623 ( a ) ( 2 ), FCRA 623 ( b ), FCRA 1666, and FCBA 1666a. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc
State: FL

Complaint narrative:
The account in question has been paid in full and subsequently closed ; however, it continues to reflect a negative balance on my statement. I request that this discrepancy be rectified and the negative balance be removed. I have made significant improvements in managing my bills, but due to mental health challenges, I have a contingency plan in place where I settle the balances to ensure accounts are closed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
In reviewing my recent 3-bureau credit report dated XX/XX/year>, I discovered multiple accounts being reported inaccurately and without proper verification. Several furnishers including collection agencies and debt buyers are reporting derogatory tradelines, charge-offs, and balances that are inconsistent across bureaus and unsupported by verifiable documentation. 

For example, an alleged collection placed by NCB Management Services for XXXX XXXX XXXX in the amount of {$6300.00} is being reported as open and active even though no original contract, payment history, or proof of ownership has ever been provided. Other companies such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX furnishing conflicting or outdated data, including re-aged accounts and unverifiable charge-offs. 

I have never received proper validation of debt, original signed agreements, or chain-of-title documentation from any of these furnishers. Despite this, they continue to report negative information that damages my creditworthiness. These actions violate Sections 605 ( b ), 611, and 623 of the Fair Credit Reporting Act ( FCRA ), which require furnishers to ensure that all information reported is accurate, complete, and verifiable. 

I am therefore disputing the accuracy and completeness of these accounts and requesting immediate deletion of all unverifiable and inaccurate tradelines from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
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 XXXXXX/XX/year>

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 2025-11-12 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: CA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX and XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my 15 U.S. Codes Section 1681i. It plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation. I feel the stress you caused me. My information was also impacted by the Equifax data breach and may have gone into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
On XXXX and XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my 15 U.S. Codes Section 1681i. It plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items, so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation. I feel the stress you caused me. My information was also impacted by the Equifax data breach and may have gone into the hands of the wrong person.

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 2025-11-12 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: Kikoff Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding Kikoff Lending LLC, which is reporting inaccurate and unverifiable information on my credit report. The account, listed under number XXXX, was opened on XX/XX/year>, with an alleged balance of {$200.00} and a past due amount of {$120.00}. I have not received any proper validation or supporting documentation proving the accuracy or legitimacy of this debt. Kikoff Lending LLC has not provided evidence of a signed agreement, payment history, or verification that this account was lawfully established under my name. Despite the lack of proof, the account continues to report as charged off, negatively affecting my credit profile. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Kikoff Lending LLC to provide full and verifiable documentation validating this account. If the company can not produce legitimate evidence in compliance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that this account and all associated negative information be permanently removed from 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 2025-11-12 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: MS

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I have a pending lawsuit with PHL and filed a lis pendens on the county record. This company is reporting inaccurate information. I have also filled out an opt out letter for creit monitoring. Please investigate this information and lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MI

Complaint narrative:
Equifax was made aware that federal law requires them to block information they have reason to believe is inaccurate or the result of identity theft. They have failed to block information related to identity theft, in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I mailed a certified Section 605B Identity Theft Package to TransUnion Consumer Solutions. 
The submission included my FTC Identity Theft Report ( # XXXX ), a written FCRA 605B deletion request, and copies of my government-issued identification and Social Security card XXXX. 

Despite receiving complete documentation, TransUnion failed to acknowledge receipt, did not return the Certified Mail confirmation, and has not responded in any form. 
It has neither blocked the fraudulent accounts under FCRA 605B nor provided the required written results or Method of Verification. 
This inaction represents a deliberate disregard for its obligations under the Fair Credit Reporting Act ( FCRA ). 

I also sent a separate dispute letter regarding inaccurate reporting from XXXX that TransUnion continues to publish. No response or correction has been issued. 

Violations of Federal Law FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent information within four business days.

FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) Failure to provide written results of the reinvestigation.

FCRA 611 ( a ) ( 7 ) Failure to provide a Method of Verification ( MOV ).

FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) Continuing to report inaccurate and unverifiable information.

FCRA 1681e ( b ) Failure to maintain reasonable procedures to assure accuracy.

FCRA 1681i ( a ) ( 3 ) Failure to mark disputed information as in dispute.

FCRA 1681n1681o Civil liability for willful and negligent noncompliance. 

Details and Concerns TransUnion ignored both my identity-theft submission and my follow-up correspondence.

No acknowledgment letter or written communication was provided. 

TransUnions reliance on automated systems such as Metro 2 or E-OSCAR does not satisfy the FCRAs requirement for a manual investigation. 

All credit bureaus are under security freeze, so inter-bureau verification is invalid.

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 2025-11-12 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
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 Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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