vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: ID

Complaint narrative:
On XX/XX/year> at XXXX, I received the below email from a emaila ddress. I googled this law firm and they have NO attorney on staff with the name, XXXX XXXX, XXXX. This lowlife threatened to take legal action against me by demanding payment and damaging my credit. Look at the bogus email from this loser below!! First of all, I NEVER had any business dealings with 'Speedy Cash USA , ' or any other payday loan company for that matter!! This scumbag is lying, threatening me and trying to extort money from me that I do NOT owe!!! If I were to receive an email from a legitimate law firm, it would be from an email ending with a real domaine name. How stupid do they think we are??? These criminals are NOT getting my money!! I will NOT pay on a loan that I didn't take out!! I FLAT OUT refuse to pay anything to these scumbag criminals!! PERIOD!!!! 
____________________________________________________________________ Subject : Legal Notice Outstanding Balance Case No. XXXX From : XXXX XXXX, XXXX XXXX XXXX Attention, I hope this message finds you well. I am contacting you on behalf of XXXX XXXX XXXX regarding an unresolved account associated with Speedy Cash USA, under Case Number XXXX. 

Our records indicate an outstanding balance of {$2400.00}, which remains unpaid. We have been authorized to assist in resolving this matter and, if necessary, pursue further action in accordance with applicable law. 



Payment Resolution Options : One-Time Settlement {$1000.00} Full resolution of the account ; savings of {$1300.00} Two-Payment Option 2 installments of {$590.00} Total repayment of {$1100.00} Biweekly Installments {$260.00} every two weeks Total repayment of {$2100.00} Monthly Installments {$300.00} per month Total repayment of {$2700.00} Please note : Once a payment plan is agreed upon, it can not be altered. If we do not receive a response within 24 hours, our office may proceed with formal steps, including credit reporting and, where permitted, initiating legal action. 
If you believe this debt has been settled or wish to dispute its validity, you may request verification pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

Contact Us : If you would like to resolve this matter promptly, or if you have any questions regarding the payment options, please contact us immediately at : Email Address : XXXX We strongly encourage you to address this matter promptly. 

Sincerely, XXXX XXXX, XXXX. 
Attorney at XXXX XXXX XXXX XXXX Email : XXXX Legal Notice : This is a communication from a law firm regarding a debt. Any information obtained may be used for that purpose. If you are not the intended recipient, please disregard and delete this message.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: MI

Complaint narrative:
I am submitting this formal complaint against multiple creditors, lenders, and collection agencies for reporting inaccurate, incomplete, and misleading information to the consumer reporting agencies. The information being reported is causing significant damage to my creditworthiness and violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and applicable regulations enforced by the CFPB. 

The following accounts are in dispute due to reporting errors, late payments, charge-offs, and collection entries that I firmly believe are inaccurate, unverifiable, and/or unlawfully reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported as Collection. 

Grounds for Complaint : Violation of FCRA 1681i & 1681s-2 : These furnishers are reporting inaccurate and unverified information. They have failed to provide proper validation of debts when requested, nor have they ensured maximum possible accuracy as required. 

Violation of FDCPA 807 ( 15 U.S.C. 1692e ) : The collection and charge-off accounts are misleading, as they misrepresent the character and legal status of the debts. 

Unfair Damage to Credit Profile : These inaccurate and unverifiable tradelines have drastically lowered my credit score, limiting access to housing, employment, and financial opportunities. 

Failure to Investigate Disputes : Credit reporting agencies and furnishers are obligated to reasonably investigate disputes ; failure to correct these errors constitutes negligence and willful noncompliance. 

Requested Relief : Immediate investigation into each disputed account.

Removal of all inaccurate, unverifiable, and misleading tradelines listed above.

Written confirmation of the outcome of this investigation.

Enforcement action against any creditor, furnisher, or collection agency found to be in violation of FCRA/FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I am writing to demand the immediate removal of unauthorized hard inquiries on my credit report, which have directly harmed my credit score. Despite a previous assurance from your representative on [ date ] that these inquiries would be removed, they remain unresolved. This inaction violates my rights under the Fair Credit Reporting Act ( FCRA ). 

These fraudulent entries suggest identity theft and are causing ongoing financial harm.

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 2025-09-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Fairway Collections, LLC
State: WA

Complaint narrative:
In XX/XX/XXXX, I received a letter from Fairway Collections , LLC. delivered to an address I have not lived at since XXXX. The letter was signed for by a friend who does not live with me and is not authorized to accept legal service on my behalf. The letter claims to be a " Write of Garnishment '' XXXX XXXX. XXXX XXXX, supposedly filed in XXXX XXXX XXXX XXXX XXXX 

However, after searching through the XXXX XXXX XXXX system, I found no case that exist under that number nor any case under my name. I have never received any judgement or summons for this alleged debt, nor was I ever served legally. 

Fairway 's letter also falsely names my former employer ( XXXX XXXX XXXX ) as the garnishee which is permanently closed. The alleged " writ '' lists inflated fees, lacks a court seal or filing confirmation and is signed by an attorney, XXXX XXXX XXXX, whose business address is the same as Fairway Collections. 

I have filed a complaint through the general attorney and I thought it was handled as I have not heard from Fairway in months but recently they have contacted my current employer despite having no valid judgment or active court case. Their communications went beyond confirming employment and include threats of wage garnishment. This is a direct violation of FDCPA and has caused reputational damage. 

This appears to be an attempt to intimate me into paying a debt I have no knowledge of using documents designed to mimic real court filings. This is potentially fraudulent and a violation of the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am submitting a formal request for the removal of this incorrect account from my credit report, as I never gave consent for its creation or use. I have included the relevant documentation to support my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-17 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: AR

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-09-17 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally disputing the fraudulent accounts appearing on my credit report. These accounts were not authorized, are completely false, and have created a damaging misrepresentation of my financial record. Their inclusion violates my right to accurate reporting and must be corrected without delay.

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 2025-09-17 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: NJ

Complaint narrative:
I am writing to follow up on my previous dispute regarding some inaccurate negative accounts on my credit report. Despite my previous correspondence and the passage of a considerable amount of time, I have not received any response from your agency, nor has the disputed items been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NJ

Complaint narrative:
I am writing to follow up on my previous dispute regarding some inaccurate negative accounts on my credit report. Despite my previous correspondence and the passage of a considerable amount of time, I have not received any response from your agency, nor has the disputed items been removed from 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 2025-09-17 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX social XXXX To : ExperianXXXX XXXXXXXX XXXX, TX XXXX EquifaxXXXX XXXXXXXX XXXX, GA XXXX TransUnionXXXX XXXXXXXX XXXX, PA XXXX Subject : Formal Dispute of Fraudulent Accounts/Inquiries Due to Data Breach Demand for Immediate Deletion To Whom It May Concern, I am writing to dispute inaccurate and fraudulent information on my credit report as provided by your bureau. These accounts and/or inquiries are the direct result of identity theft linked to the Equifax and XXXX data breaches, which compromised my personal information without my consent. 
As a victim of this breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681c-2 ( Section 605B ), which requires the credit bureaus to block and remove all information that I identify as resulting from identity theft. 
The following items are fraudulent and must be deleted immediately : XXXX XXXXXXXX XXXX XXXX {$1000.00} opened XXXX, XXXX XXXX {$2000.00} opened XXXX, XXXX XXXX {$3400.00} opened XXXX, XXXX XXXX {$2000.00} opened XXXX. 
You are hereby notified that : XXXX. FCRA 605B requires you to block these accounts from my credit file within XXXX business days of receiving this letter, as they are the result of identity theft. 
XXXX. FCRA 611 ( 15 U.S.C. 1681i ) requires a full reinvestigation of these disputed items. Failure to conduct a proper investigation will be considered willful noncompliance. 
XXXX. FCRA 623 ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting information they knowor should knowto be inaccurate. 
XXXX. Re-reporting ( reinsertion ) of any fraudulent or deleted item without proper certification is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). 
Because my information was compromised in the Equifax/XXXX breach, I demand the immediate and permanent deletion of all fraudulent accounts, inquiries, and negative information associated with this identity theft. 
If you fail to comply, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I will consider pursuing civil remedies under FCRA 616 and 617, which provide for damages, attorneys fees, and costs. 
I expect a written confirmation within the legally required time frame that these fraudulent items have been deleted from my credit file. 
Enclosed are copies of supporting documentation, including [ attach : FTC Identity Theft Report, police report if available, proof of identity, breach notice, etc. ]. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have ask the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 
Please find attached a copy of my ID, FTC complaint, a copy of proof showing my information was affected in a data breach and a debt validation letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: LA

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. After reviewing my credit reports I notice some accounts I am not familiar with. I have ask the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 
Please find attached a copy of my ID, FTC complaint, a copy of proof showing my information was affected in a data breach and a debt validation letter.

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 2025-09-17 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: CA

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 XXXX 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 XXXX 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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