vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I requested full validation of the alleged debt from the collector, including : full debt validation, complete chain of assignment, original signed contract, itemized accounting ledger, audit trail, proof of legal authority to collect or report the account.

After more than two years of this debt being reported to the credit bureaus as valid, the collector finally responded with a package of documents that does not contain any legally required validation. They did not provide a contract, no chain of assignment, no accounting ledger, and no audit trail. Their response includes only a generic internal record and incomplete statements that do not establish ownership, liability, or the amount alleged.

This means that for two years, the credit bureaus were reporting information as verified, while the collector can not produce even the basic documentation required to prove the debt exists or that they have any legal right to collect it.

Their attempt to collect an unverifiable amount and maintain this on my credit report has caused me significant material and financial harm, including denials of housing and credit. They are attempting to collect an incorrect amount with no supporting documentation.

I am submitting this complaint because the collector has failed to validate the debt as required under federal law and continues to maintain or attempt to collect an amount they can not substantiate. I request regulatory review because this debt appears to be unverified, unsupported, and potentially unlawful to pursue.

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 2025-12-08 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: OR

Complaint narrative:
I am submitting this letter as an official dispute of the referenced accounts. I am not affiliated with them and did not authorize them. Please review this matter and remove the accounts as appropriate. Supporting evidence is attached.

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 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: First Help Financial, LLC
State: WI

Complaint narrative:
I am filing this complaint because my vehicle was repossessed by First Help Financial without proper notice, and the company is refusing to provide verifiable proof that the Right to Cure notice was ever mailed. 

I was told by a representative that the Right to Cure letter was supposedly mailed on a specific date, but they will only fax or mail a reprint, which does not prove the original notice was sent at the time they claim. They refuse to email a PDF copy or any document that contains the original mailing date, generation date, or address used. This makes it impossible for me to verify that proper notice was actually provided before the repossession. 

When I asked for call logs showing attempts to contact me, they stated these are internal and can not be provided. Without documentation, their claims of attempted communication can not be verified. 

In addition, the company told me that all letters are sent in English, but my account was set to Spanish communication, and every text message they sent me was in Spanish. I do not speak Spanish, and the Spanish messages appeared to be spam. The company admitted my account communication was marked in Spanish even though they do not send legal notices in Spanish. This is inconsistent and caused confusion, because I received Spanish texts but would have supposedly received an important English legal notice, which I never received. 

I provided my payment information to both the dealer and the lender, and I was told my automatic payments would begin in XXXX. No payments were ever taken. I was not contacted about missed payments, and I did not receive any verifiable notice before the repossession. 

Because the company can not provide written proof that the Right to Cure notice was sent, can not verify call attempts, and provided inconsistent language communication, I believe my vehicle was repossessed without proper and clear notice. 

I am requesting : Documentation showing the original mailing date and address of the Right to Cure notice Waiver of repossession, storage, and late fees caused by the lack of proper notice A corrected reinstatement amount with wrongful fees removed Reinstatement of my loan Correction of my communication language to English only and confirmation that all future notices will match this preference Written confirmation of all adjustments made I am not disputing the debt itself. I am disputing the lack of proper, verifiable notice, the refusal to provide documentation, and the inconsistent communication practices. 

Thank you for reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
XXXX XXXX XXXX XX/XX/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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am filing this complaint because multiple accounts, inquiries, and late payments are being reported inaccurately or without proper verification by the credit reporting agencies. I have tried to resolve these issues directly with the bureaus, but the information remains uncorrected. I am requesting the CFPBs help to ensure a complete and lawful investigation under the FCRA. 
Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$5400.00} I dispute these accounts because several contain incorrect balances, dates, or duplicate reporting. Many have not been properly validated by the furnishers. 

Inquiries None reported for Equifax in this data. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payments are inaccurate. I request verification of actual payment records. If the furnisher can not validate them, they must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
Personal Statement Personal Statement Personal Statement This letter is a formal dispute and demand for reinvestigation and deletion of all inaccurate, incomplete, unverifiable, and fraudulent information appearing on my credit report. I am also invoking my rights under 15USC s 1681c2, requiring you to block all identity theft related information within 4 business days. This includes XXXX XXXX opened XXXX {$6600.00} Violates XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX Inaccurate reporting no validation legal violation FCRA607b 611, XXXX XXXX XXXX inaccurate payment history, derogatory reporting after closure, violates FCRA607B 623a1A. All Late payments. All Hard inquiries that were not authorized must be removes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Violations FCRA 604 a 2, 607a,611,616-617 please remove all listed inquiries. Under the law you must block all identity theft related information within XXXX business days

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 2025-12-08 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: MO

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and Experian and Equifax have failed to block and remove fraudulent information from my credit report as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). I submitted my identity theft documentation, including my FTC report and proof of identity, yet the inaccurate information remains on my credit file and continues to damage my credit standing. 

Under federal law, the credit bureaus must block identity-theftrelated information within XXXX ( XXXX ) business days, but they have not complied. 

Incorrect Personal Information My credit file contains personal information that does not belong to me. These items were added due to identity theft : Incorrect Date of Birth : XXXX Incorrect Address : XXXX XXXX XXXX, XXXX, MO XXXX Incorrect Address : XXXX XXXX XXXX, XXXX XXXX, MO XXXX I have never used this date of birth or lived at these addresses. This indicates a mixed file or identity theft issue. 

Fraudulent Accounts to Block Under FCRA 605B The following accounts were opened without my knowledge or consent. These accounts are fraudulent and must be blocked and permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never opened or authorized any of these accounts. They are identity-theft items and must be blocked under FCRA 605B. 

Unauthorized Hard Inquiries The following hard inquiries were made without my knowledge or permission. The credit bureaus have not provided XXXX signed authorization, which is required to validate these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX These inquiries were not authorized by me and are connected to identity theft. They must be removed immediately. 

Failure to Comply With FCRA 605B Despite submitting : My FTC Identity Theft Report Identity Theft Affidavit Government-issued identification Proof of address Experian and Equifax did not block the fraudulent information within the legally required timeframe. The continued reporting of false information is harming my credit, limiting my ability to obtain loans, housing, and financial services, and violating my rights under the Fair Credit Reporting Act. 

I am requesting CFPB assistance to ensure full compliance with FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
b'To Whom It May Concern,\nI am writing to formally dispute and demand the immediate removal of the\nfollowing fraudulent accounts and inquiries from my credit report due to identity\ntheft. These accounts were opened without my consent, and I am invoking my rights\nunder the Fair Credit Reporting Act (FCRA) to have these items promptly removed.\nI am also writing to formally notify you that I am a victim of identity theft and request the\nimmediate blocking and deletion of all fraudulent accounts or information related to the\nidentity theft, as authorized by 15 U.S.C.  1681c-2(a). I became aware of the breach of\nmy personal information through the XXXX  data breach, which has exposed my\nsensitive data to unauthorized individuals.\nThe following fraudulent accounts and inquiries have been identified as a result of this\nbreach:  Collections/closed accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-08 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: IN

Complaint narrative:
I am filing this complaint because several items being reported by the credit bureaus appear to be inaccurate, incomplete, or unverifiable. I have attempted to address these issues directly with the bureaus, but the information is still reporting incorrectly. I am requesting the CFPBs assistance to ensure a proper investigation under the FCRA. 
Charged-Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is reporting as charged off, but the balance shows {$0.00}. I dispute the accuracy of this reporting and request verification of the alleged charge-off. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$790.00} XXXX XXXX I dispute this account because I have not received proper validation of the balance or the debt itself. The information being reported appears inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The account is reporting inconsistently. If the balance is {$0.00}, the charge-off status appears inaccurate. I am requesting full verification. 

XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX I dispute this account because the date opened appears incorrect and I have not received any documentation validating the balance or collection rights. 

Inquiries None listed, but I request confirmation that no unauthorized inquiries are being reported. 

Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payments are being reported inaccurately. I request verification of payment history with proper records. If the furnisher can not provide documentation, the late marks should be removed.

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 2025-12-08 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-08 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
I am disputing the following accounts listed on my TransUnion credit report. I believe the information reported is either incomplete or inaccurate and should be investigated and corrected in compliance with the Fair Credit Reporting Act. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-12-08 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 am writing to formally dispute the accuracy and completeness of the repossession account. 
Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This tradeline is reporting inaccurate, incomplete, and unverifiable information. Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 and 623. Upon review, this account contains multiple factual errors : The repossession date is not listed or is incorrect. 
No sale date or proceeds have been applied, yet a balance is still reported. 
Payment history is incomplete or missing entirely. 
There is no clarity on whether this was a voluntary or involuntary repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Cease & Desist Letter Debt Collection Communications Your Name XXXX XXXX Your Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ny XXXX Phone XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Re : Cease and Desist Communications Regarding Alleged Debt Account Number ( if known ) : ___________________ To Whom It May Concern : I am writing to formally notify you that, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am requesting that XXXX XXXX XXXX and any of its agents, affiliates, or servicers cease all communication with me regarding the above-referenced alleged debt. 

This request includes, but is not limited to : Phone calls Letters Emails Text messages Any other form of contact If you believe you are permitted to contact me under one of the narrow exceptions allowed by lawsuch as to confirm that further collection efforts are being terminated or to notify me of specific legal action you actually intend to takeyou may do so only in writing. 

Please also note : I dispute the validity of this alleged debt unless and until proper verification is provided pursuant to 15 U.S.C. 1692g. 
You are prohibited from reporting false or unverified information to credit bureaus. 
Any failure to comply with this cease-and-desist request may constitute a violation of federal law. 

I expect written confirmation that you have received and honored this notice. 

Sincerely, XXXXXXXX XXXX XXXX  ( Your Signature ) XXXX XXXX ( Printed Name ) I never contracted with this company

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 2025-12-08 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: SC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation