vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have included a word document with each inaccuracy found. I have previously tried disputing these, but the credit bureau 's just said verified and updated. This is not the case because I still am finding these negative inaccuracies. I have been harassed by some of these collection agencies when they have not been willing to provide any verification of debt letters. I have been threatened that they will sue me on multiple phone calls where these companies have recorded lines. Something needs to be done ASAP and handled appropriately as this violated the law enforced by the Fair Debt Collection Practices Act ( FDCPA ). They have also violated 15 U.S. Code 1681i - Procedure in case of disputed accuracy by just updating my report as updated and verified without actually checking in on these. After updating and being verified per the three reporting agencies I am still finding inaccuracies that are negative impacts on my credit 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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: VW Credit
State: NY

Complaint narrative:
VW CREDIT Account # XXXX I have never had an account with this company, I have never signed anything with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: T.S. Holdings
State: GA

Complaint narrative:
I am a XXXXXXXX XXXX XXXX with a 100 % Permanent & Total XXXX rating. In XX/XX/XXXX, I traveled to XXXX  to visit family for XXXX. During that trip, my XXXX became high-risk and I was no longer medically cleared to return to my apartment in XXXX XXXX XXXX Despite not being able to return, I continued to pay my rent in full from XX/XX/XXXX through XX/XX/XXXX. 

On or around XX/XX/XXXX, I received a call from XXXX XXXXXXXX XXXX  property XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. He said the unit appeared unoccupied based on inspection photos. I explained my medical situation and that I could not return until after my XX/XX/XXXX due date. He offered to allow me to terminate the lease with no penalty due to my medical hardship. He requested that I send a doctors note confirming I could not travel and a notice to vacate listing the name of my movers. 

I complied with both requests. I submitted my doctor 's note and the notice to vacate through the assistant property manager, XXXX, who confirmed receipt. My movers cleared the unit, and I returned the apartment key. I gave birth prematurely on XX/XX/XXXX, and my son remained in the XXXX. I also developed a blood clot in my renal vein and am still undergoing treatment, which limits my ability to travel. 

Despite following all instructions and being told there would be no penalty, I later discovered a {$2400.00} collection account from IQ Data International on my credit report. I contacted the new property manager at XXXX XXXX, who said they would not remove the charge because there was no written lease termination agreement on file. I was never informed this was required. 

This collection is inaccurate and harmful. I followed all verbal instructions from management and submitted supporting medical documentation. I have attached proof of rent payments, the doctor 's note, my XXXX  hardship letter, my XXXX  XXXX verification, and full email threads with management confirming the lease termination process and key return. 

I respectfully request that this item be removed from my credit report and that the collection be withdrawn, as I acted in good faith and under the direction of XXXX XXXX management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern, Upon reviewing my credit report dated XX/XX/year>, I noticed inaccurate and outdated personal information listed under my name. This includes incorrect variations of my name, outdated addresses, and employers that do not match my current identification or proof of residence. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I am formally requesting the immediate investigation and deletion of any and all inaccurate, unverifiable, or outdated personal information from my credit file. This includes all former names, addresses, and employers that can not be verified or are not consistent with my current, valid identification.

Please provide written confirmation once these corrections have been made. I am attaching a copy of my valid government-issued ID and proof of current address to support my request. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AZ

Complaint narrative:
To Whom It May Concern, Upon reviewing my credit report dated XX/XX/year>, I noticed inaccurate and outdated personal information listed under my name. This includes incorrect variations of my name, outdated addresses, and employers that do not match my current identification or proof of residence. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I am formally requesting the immediate investigation and deletion of any and all inaccurate, unverifiable, or outdated personal information from my credit file. This includes all former names, addresses, and employers that can not be verified or are not consistent with my current, valid identification.

Please provide written confirmation once these corrections have been made. I am attaching a copy of my valid government-issued ID and proof of current address to support my request. 

Thank you for your prompt attention 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
Consumer complaint received 2025-07-15 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: NJ

Complaint narrative:
b'Pursuant to 15 U.S.C. 1681b(a)(2), a consumer report may be furnished with the written instructions of the consumer. I did not provide such written authorization for this use of my credit report. Furthermore, under 15 U.S.C. 1681a(d)(2)(A)(i), information solely reflecting transactions or experiences between the consumer and the person making the report is excluded from the definition of a consumer report only when not provided by or to a consumer reporting agency. If the reported account consists only of direct transactions with me and is not subject to third-party verification, it may not be legally reportable in certain contexts. I request a review of this reporting for compliance with the FCRA and deletion if it does not meet the statutory criteria.\n\nWrong Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
I am disputing a collection account currently being reported on my credit file. I have no affiliation with this debt, and I believe it was added fraudulently and in error.

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 2025-07-15 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: GA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got aura it found most of the information that traunion was using on their site n was locked for a while now they clean their hands and their is nothing about address names and everything! My identity was over XXXX sites aura which gets payed o no dispute with the bank when they dont answer they washed their hands to look got I check data brokers and breaches to my surprise XXXX was their! N information of other people were their my id was fined several site no on wants to help me cuz I got denied for and application n made me loo bad now they washed their hands fixed errors n claim nothing they extended disputes incorrect closed account hard inquire cuz my identity was stolen between XXXX til XXXX i find out that traunion was in a data breach i want them to show me names addres and phone number ages cuz they dont show u! N aura send me to u well I got some stuff!

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 2025-07-15 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: IL

Complaint narrative:
XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Dispute of Account Request for Validation, Cease and Desist Reporting, Chain of Assignment & Removal of Inquiries To Whom It May Concern : This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including XXXX XXXX. XXXX ( deletion of obsolete or inaccurate information ), XXXX ( reinvestigation ), and XXXX ( validation ). I demand immediate investigation and removal of all unverifiable or inaccurate data. 

Account Information : Creditor : XXXX XXXX XXXXXXXX XXXX Connecticut XXXX XXXX - Account Number : XXXX * * * * * * * and XXXX * * * * * * XXXX XXXX XXXX XXXX  Account No. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX Account XXXX. : XXXX Legal Grounds : XXXX XXXX. XXXX : Debt validation requirement. 

XXXX XXXX. XXXX : Prohibits reporting inaccurate data. 

XXXX XXXX. XXXX : Limits access to permissible purposes. 

XXXX XXXX. XXXX : Requires full chain of assignment. 

XXXX XXXX. XXXX ( XXXX ) ( A ) : Forbids misrepresenting legal debt status. 

XXXX XXXX. XXXX : Bans unfair collection practices. 

Supporting Cases : Green v. XXXX XXXX XXXX. ( XXXX ) : Debt buyers must show complete chain-of-title. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. XXXX : Original contracts required ; billing statements insufficient. 

Issues Identified : Unlawfully collection of this unverifable account Demand for Immediate Deletion & Cease Reporting : If unable to validate with original contract, chain of assignment, and complete account history, you must delete this from TransUnion, Equifax, and Experian files under XXXX U.S.C. XXXX. I also demand you immediately cease reporting this account. 

Inquiry Removals Requested : Please remove these inquiries that lack permissible purpose or are otherwise unauthorized : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Legal Notice : Failure to comply within XXXX days will result in legal action under XXXX U.S.C. XXXX, XXXX, and XXXX for statutory, actual, and punitive damages plus attorney fees. Complaints may also be filed with the CFPB and other regulators.

Expected Action : Provide written confirmation of deletions to the CFPB, updated credit reports, and all documentation relied upon in your investigation. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Email : 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 2025-07-15 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: IL

Complaint narrative:
XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Dispute of Account Request for Validation, Cease and Desist Reporting, Chain of Assignment & Removal of Inquiries To Whom It May Concern : This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including XXXX XXXX. XXXX ( deletion of obsolete or inaccurate information ), XXXX ( reinvestigation ), and XXXX ( validation ). I demand immediate investigation and removal of all unverifiable or inaccurate data. 

Account Information : Creditor : XXXX XXXX XXXXXXXX XXXX Connecticut XXXX XXXX - Account Number : XXXX * * * * * * * and XXXX * * * * * * XXXX XXXX XXXX XXXX  Account No. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX XXXX XXXX XXXX Account XXXX. : XXXX XXXX Account XXXX. : XXXX Legal Grounds : XXXX XXXX. XXXX : Debt validation requirement. 

XXXX XXXX. XXXX : Prohibits reporting inaccurate data. 

XXXX XXXX. XXXX : Limits access to permissible purposes. 

XXXX XXXX. XXXX : Requires full chain of assignment. 

XXXX XXXX. XXXX ( XXXX ) ( A ) : Forbids misrepresenting legal debt status. 

XXXX XXXX. XXXX : Bans unfair collection practices. 

Supporting Cases : Green v. XXXX XXXX XXXX. ( XXXX ) : Debt buyers must show complete chain-of-title. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX. XXXX : Original contracts required ; billing statements insufficient. 

Issues Identified : Unlawfully collection of this unverifable account Demand for Immediate Deletion & Cease Reporting : If unable to validate with original contract, chain of assignment, and complete account history, you must delete this from TransUnion, Equifax, and Experian files under XXXX U.S.C. XXXX. I also demand you immediately cease reporting this account. 

Inquiry Removals Requested : Please remove these inquiries that lack permissible purpose or are otherwise unauthorized : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Legal Notice : Failure to comply within XXXX days will result in legal action under XXXX U.S.C. XXXX, XXXX, and XXXX for statutory, actual, and punitive damages plus attorney fees. Complaints may also be filed with the CFPB and other regulators.

Expected Action : Provide written confirmation of deletions to the CFPB, updated credit reports, and all documentation relied upon in your investigation. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX Email : 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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
This letter is in response to your recent communication in which you sent a bank statement as a response to my formal debt validation request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

Let me be absolutely clear : A bank statement is NOT valid proof of a debt under federal law.

This document does not constitute : Proof of an original signed contract by me The full chain of title Evidence that you are the Holder in Due Course under UCC Articles 3 and 9 Any transfer documentation in compliance with 15 U.S.C. 1641 ( g ) ( TILA ) Identification in a Pooling and Servicing Agreement, if the debt was securitized Your failure to comply with my original request constitutes an intentional violation of my consumer rights. In fact, your continued reporting of this account without proper validation is a violation of the following federal laws : IDENTIFIED LEGAL VIOLATIONS FDCPA 15 U.S.C. 1692g ( b ) : Continued collections without legally validating the debt. FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) : Falsely represented the nature, character, or amount of the debt. FCRA 15 U.S.C. 1681s-2 ( b ) : Reported and/or verified to cre
dit bureaus without proper documentation.

TILA 15 U.S.C. 1641 ( g ) : Failed to notify or legally prove the transfer of the original creditor.

UCC Articles 3 and 9 : Attempted to exercise rights without proof of valid possession of the financial instrument.

IMMINENT LAWSUIT Since your entity has chosen to ignore my legitimate request and attempted to pass off a bank statement as adequate validationan action that holds no legal weight under the laws mentionedI hereby notify you that : I will initiate a formal lawsuit for statutory and compensatory damages in a competent court if you do not immediately remove any report related to this account and cease all collection activities.

CLAIMABLE DAMAGES Under 15 U.S.C. 1692k, I am entitled to : {$1000.00} for each violation of the FDCPA Additional compensatory damages for emotional distress, loss of credit opportunities, and actual economic damages, preliminarily estimated at {$7500.00} USD Court costs and legal fees The preliminary total amount of damages I intend to claim is : {$8500.00} USD FINAL DEADLINE 15 DAYS I am granting you a final period of 15 calendar days from the receipt of this letter to fulfill the following : Remove any negative reports related to this account from all credit bureaus. 


Provide all legally requested documentation as per my initial letter. 


Issue written confirmation of the complete cessation of all collection activities. 


If I do not receive a satisfactory response, I will proceed with legal action without further warning. 
A copy of this letter will be sent to the Consumer Financial Protection Bureau ( CFPB ), the State Attorney Generals Office, and will be presented as evidence in a competent court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NV

Complaint narrative:
Re : Acct XXXX XXXXXXXX To Whom It May Concern : This letter is regarding account XXXX XXXXXXXX which you claim I owe {$860.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond- ing local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including Experian, TransUnion and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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