vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: OK

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX ( Experian & Equifax ) XXXX Collection Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Equifax ) XXXX Charge Off Date open : XX/XX/XXXX XXXX XXXX ( Experian, Transunion XXXX Equifax ) XXXX Charge Off Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX ( Experian, Transunion & Equifax XXXX XXXX Charge Off Date Opened : XX/XX/XXXXXXXX XXXX XXXX  ( Experian, Transunion & Equifax XXXX XXXX Charge off Date Opened : XX/XX/XXXX XXXX ( Experian, Transunion ) XXXX Charge XXXX Date Opened : XX/XX/XXXX XXXX  XXXX XXXX ( Experian, Transunion ) XXXX Charge off Date XXXX : XX/XX/XXXX XXXX  XXXX ( Experian ) XXXX Charge off Date Opened : XX/XX/XXXX XXXX XXXX ( Equifax ) XXXX Charge off Date XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-06-20 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: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
his is my third formal dispute regarding an inaccurate Charge-Off account reported by Experian and XXXX  from XXXX XXXX XXXX XXXX  has already removed this account from my credit report after verifying it lacked proper documentation and legal basis. 



Despite my prior disputes and the supporting documentation I provided, both Experian and XXXX continue to report the account as a charge-off. I also submitted a complaint to the FTC. 

Attached, I am including : The official court dismissal letter * The FTC complaint number confirmation * My government-issued ID and utility bill for identity verification * I am requesting the immediate deletion of this account from both Experian and XXXX. * Failure to do so is a violation of the Fair Credit Reporting Act ( 611, 607 ( b ), 623 ( b ) ) and contradicts the standard of equal and accurate reporting across bureaus.

Thank you for your help in resolving this issue.

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 2025-06-20 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: NY

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-20 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: OH

Complaint narrative:
Please see attachments! 
I have attached my FTC Identity Theft Report, along with copies of my identification, Social Security Number, and proof of my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XXXX XXXX XXXX, I submitted a formal debt validation request, which was delivered and signed for on XXXX XXXX XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they were legally obligated to cease all collection efforts and provide verification of the debtincluding a signed agreement, detailed balance breakdown, and legal assignment documentation.

To date, National Credit has failed to provide any response. Their continued failure to validate the debt violates FDCPA 1692g ( b ) and also raises concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) if they are reporting unverifiable data to the credit bureaus. I am now filing this complaint due to their noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
Third Notice Formal Dispute of Fraudulent Accounts under FCRA 605B & 611 This letter serves as my third formal notice and dispute to Equifax regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, related to fraudulent accounts that continue to appear on my Equifax consumer credit report. Despite my initial disputes submitted on XX/XX/year>, and XX/XX/year>, along with all required documentationincluding a valid FTC Identity Theft Affidavit # XXXX proof of address, government-issued ID, and evidence of a related data breachEquifax has failed to fulfill its statutory obligations. 


ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX DEPARTMENT OF EDUCATION ( XXXX ) ACCOUNT NUMBERS : XXXX XXXX XXXX XXXX Under XXXX, Equifax was required to block the disputed identity theft-related information within XXXX business days of receiving my complete documentation. However, Equifax did not take this necessary action and instead improperly verified the fraudulent accounts without providing any disclosure of the sources or documentation used for verification, as mandated by 611 of the FCRA. This failure reflects a lack of reasonable reinvestigation and violates both the spirit and letter of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: SC

Complaint narrative:
I am a victim of identity theft. I noticed 3 credit cards being reported on my credit file that i know for certain i never opened. After doing some more digging i discovered a student loan from more than a decade ago being reported. I am utterly shocked a student loan has been affecting my credit for 11 years and didn't notice. As soon as i noticed i filed a report on IdentityTheft.gov. The details of the accounts are as follows. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-06-20 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-06-20 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4100.00} - Date Opened XX/XX/XXXX Account NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6200.00} - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$6800.00} - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the following account listed on my credit report, as I have no knowledge of its origin or approval. 

Creditor Name : XXXX  XXXX Account Number : XXXX Date Opened : XXXX/2025 Reported Balance : {$390.00} Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting a full reinvestigation of this account. I do not recognize this account and do not have a contractual or financial relationship with XXXX XXXX regarding this matter. 

You are required by law to verify the accuracy and validity of this account by obtaining all supporting documentation from the data furnisher. This includes : A copy of the original signed application Any account statements showing usage Any proof of payment history If the creditor can not provide verifiable proof that this account belongs to me, you are required under the law to remove it from my report immediately. 
Please complete your reinvestigation within the required 30-day period and provide written confirmation of the outcome, including an updated credit report reflecting any necessary changes.

Attached you will find : FTC Report A copy of my valid photo ID Proof of current address My written statement of dispute Thank you for your prompt attention to this legal 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the following account listed on my credit report, as I have no knowledge of its origin or approval. 

Creditor Name : XXXX  XXXX Account Number : XXXX Date Opened : XXXX/2025 Reported Balance : {$390.00} Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I am requesting a full reinvestigation of this account. I do not recognize this account and do not have a contractual or financial relationship with XXXX XXXX regarding this matter. 

You are required by law to verify the accuracy and validity of this account by obtaining all supporting documentation from the data furnisher. This includes : A copy of the original signed application Any account statements showing usage Any proof of payment history If the creditor can not provide verifiable proof that this account belongs to me, you are required under the law to remove it from my report immediately. 
Please complete your reinvestigation within the required 30-day period and provide written confirmation of the outcome, including an updated credit report reflecting any necessary changes.

Attached you will find : FTC Report A copy of my valid photo ID Proof of current address My written statement of dispute Thank you for your prompt attention to this legal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This claim serves as a formal demand to Experian to immediately comply with your legal obligations under 12 C.F.R. 1022.142 and the Trafficking Victims Protection Act ( 22 U.S.C. 7102 ( 11 ) - ( 12 ) ).

I am a verified victim of a severe form of human trafficking, as documented and certified by an authorized non-governmental organization. On XX/XX/scrub>/2025, I submitted to Experian all documentation required by federal law, including : A certified trafficking verification letter issued by XXXX XXXX XXXX ; A written statement identifying the specific adverse tradelines resulting from my trafficking experience ; and Valid proof of identity and residential address. 

Instead of complying with your clear legal duty to block the adverse information within four ( 4 ) business days, Experian improperly treated my request as a standard credit dispute. This is not only a gross mishandling of my protected status but a blatant violation of federal regulations.

Let me be clear : 12 C.F.R. 1022.142 does not give Experian the right to reinvestigate or verify these accounts with the creditors. Once you received my trafficking documentation, you were legally required to immediately block the identified items no exceptions, no delays, no reinvestigation.

Your failure to do so has prolonged the financial and emotional harm Ive already suffered and shows a willful or negligent disregard for my rights under the Fair Credit Reporting Act ( FCRA ). 


Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
They keep calling me from different numbers to try to collect a debt. The harassment of frequent calls is old.

Company response to consumer: Closed with non-monetary relief