vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: MO

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
Account : XXXXXXXX XXXX XXXX did not provided any information on method of verification used on their investigation. As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. Also comapany does not make the dispute process easy for consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
I reached out to the company regarding the debt being reported to my credit. I explained to the company that I never did business with the previous merchant that sold them the debt. The creditor can not provide me any valid information only what the fraudsters provided to them And information they have gained by searching through public records regarding me. I have filed a police report regarding this and other transactions stemming from the identity theft, I would like this account removed from my credit report as soon as possible and all communications to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
All my personal information was part of the major credit bureau and other data breaches of big companies, XXXX, XXXX, XXXX  XXXX and many more a total of XXXX different breaches with my information have occurred. I notified XXXX  XXXX of fraudulent activities on my account and refused to pay for any unauthorized use of my card number/account. They then sold the account to Portfolio recovery Associates. They then after buying the account have refused to release of chain of custody paperwork as FCRA compliance. I file with FTC about my identification being stolen as Ive had to freeze my credit and have false names removed along with addresses in states which I never lived listed on my credit report. Portfolio recovery associates states they dont honor the ftc affidavit since I didnt list every account individually Ive been dealing with this for over 7 years going back to XXXX when the account was closed due to fraudulent activity. Note the affidavit I filed not too long ago when I was notified that my identification was used in numerous cases and transactions online which I was only about to find all XXXX instances of my information being stolen. As stated first breach was in XXXX XXXX  breach in which I was lied too about how much of my information was leaked until after they had settled the lawsuit with people like myself though i was not part of the compensation since I missed the deadline only but I was entitled to settlement payments as it clearly showed during my identification sweep online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
Dispute of Unverifiable Accounts on Credit Report, Request for Removal Complaint : I am submitting this complaint regarding inaccurate and unverifiable information on my credit report, which continues to negatively impact my credit score despite my efforts to dispute these items with the credit bureaus.

I formally disputed these accounts under the Fair Credit Reporting Act ( FCRA ) Section 611 by sending certified letters to Experian, Equifax, and TransUnion, requesting validation and removal if unverifiable.

The following accounts remain on my report without proper verification : XXXXXXXX XXXX XXXX  approximately {$10000.00} balance XXXX XXXX XXXX XXXX approximately {$3800.00} balance XXXX  XXXX XXXX approximately {$5400.00} balance These accounts contain inaccurate balances, or lack sufficient documentation from the creditors. The credit bureaus have failed to provide adequate proof of these debts or correct my credit report. 

I request the CFPBs assistance in ensuring these accounts are thoroughly investigated and removed unless the furnishers provide original signed contracts or accurate, verifiable documentation supporting these debts. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
Dispute of Unverifiable Accounts on Credit Report, Request for Removal Complaint : I am submitting this complaint regarding inaccurate and unverifiable information on my credit report, which continues to negatively impact my credit score despite my efforts to dispute these items with the credit bureaus.

I formally disputed these accounts under the Fair Credit Reporting Act ( FCRA ) Section 611 by sending certified letters to Experian, Equifax, and TransUnion, requesting validation and removal if unverifiable.

The following accounts remain on my report without proper verification : XXXXXXXX XXXX XXXX  approximately {$10000.00} balance XXXX XXXX XXXX XXXX approximately {$3800.00} balance XXXX  XXXX XXXX approximately {$5400.00} balance These accounts contain inaccurate balances, or lack sufficient documentation from the creditors. The credit bureaus have failed to provide adequate proof of these debts or correct my credit report. 

I request the CFPBs assistance in ensuring these accounts are thoroughly investigated and removed unless the furnishers provide original signed contracts or accurate, verifiable documentation supporting these debts. 

Thank you for your 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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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

Company 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 2025-07-23 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
When reviewing my credit report, I found several accounts listed in my name that do not belong to me. 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 record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor?

2. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature? 
XXXX. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please verify these accounts. If you are not able to verify these accounts belong to me, please delete from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file a suit against you for any future violations of this 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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: WV

Complaint narrative:
In XX/XX/XXXX, I returned a XXXX  device in-store. The return was accepted, and I received a receipt showing a {$0.00} balance. The store has since closed, but I retained the receipt as proof. I also notified XXXX at the time that the device was returned. 

Despite this, in XX/XX/XXXX, Credence Resource Management began reporting a {$260.00} collection account to the credit bureaus. I never owed this balance, and the account is inaccurate and damaging my credit. I have provided proof of return and requested this matter be corrected. The collection remains active, even though no service was used and no money is owed. I am requesting immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates
State: MO

Complaint narrative:
On XX/XX/year>, I sent LJ ROSS ASSOCIATES a CERTIFIED MAIL LETTER requesting documentation which proves, I owe them for the account they're reporting as a collection account on my consumer report, and to permanently stop reporting this account and I have yet to receive a response. Therefore, I sent a second letter to LJ ROSS ASSOCIATES on XX/XX/year>, demanding all documentation for this alleged collection account!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: MD

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.

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 agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-07-23 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Im filing this complaint because a hard inquiry was reported on my Equifax credit report without my knowledge or consent. I did not authorize this inquiry, I did not apply for credit with the company that pulled it, and I have no record of any related application. Under the Fair Credit Reporting Act ( FCRA ), companies must have a permissible purpose and obtain proper authorization before pulling a consumers credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
I am the victim of identity theft due to multiple third-party data breaches, including : Experian ( XXXX ) XXXX ( confirmed breach with engagement number XXXX ) Unknown Data Brokers ( XX/XX/XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  breaches exposed my private personal information, such as my full name, address, phone number, income, credit profile data, and household information, which has since been used without my consent. Despite notifying the credit bureaus ( ExperianXXXX XXXX and TransUnion ) and submitting disputes under FCRA Section 605B, unauthorized or inaccurate data remains on my report, harming my creditworthiness and access to basic financial services. Under 15 U.S. Code 1681c-2, I am exercising my right to block and remove information resulting from identity theft. I have attached documentation supporting the breaches of my personally identifiable information ( PII ), including :

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 2025-07-23 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: NC

Complaint narrative:
I am the victim of identity theft due to multiple third-party data breaches, including : Experian ( XXXX ) Equifax ( confirmed breach with engagement number XXXX ) Unknown Data Brokers ( XX/XX/XXXX ) XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX These breaches exposed my private personal information, such as my full name, address, phone number, income, credit profile data, and household information, which has since been used without my consent. 

Despite notifying the credit bureaus ( Experian, Equifax, and TransUnion ) and submitting disputes under FCRA Section 605B, unauthorized or inaccurate data remains on my report, harming my creditworthiness and access to basic financial services. Under 15 U.S. Code 1681c-2, I am exercising my right to block and remove information resulting from identity theft. I have attached documentation supporting the breaches of my personally identifiable information ( PII ), including :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
1 ) The Document was prepared on XX/XX/2025 date & I was asked to make a payment on XX/XX/2025. This is insane & unlawful. Please find the Loan Modification Documents attached to this email & the screenshot below. 
As this Loan is backed by XXXX XXXX, if the Loan Modification document is provided before the XXXX of the calendar month then the Mortgage Payment is due next month & if the Loan Modification document is provided after the XXXX of the calendar month then the Mortgage Payment is due in the second month only. Please find the Guidelines of XXXX XXXX attached to this email & the screenshot below for ready reference.

2 ) I received the Loan Modification documents just a few days back & I need to review it with an Attorney & I need XXXX  days additional time to review, understand & sign the Loan Modification Document. Please extend the deadline to sign the Loan Modification Document.

3 ) As the property value is way less than the Loan Amount, I request as per the Law to reduce the Interest Bearing Principal Amount to {$160000.00} & eliminate the other amounts from the Mortgage Loan because the Loan is much higher than the Market Value of the Property, which is {$160000.00} as per the Full Appraisal performed by a Licensed Appraiser. Please find a Full Appraisal attached to this email.

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