vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Re : Formal Dispute of Inaccurate Information Request for Investigation Pursuant to 15 U.S.C. 1681i To Whom It May Concern : I am writing to formally dispute the accuracy and completeness of the following information listed on my credit reports maintained by Equifax, Experian, and TransUnion credit agencies. 
Account in dispute : XXXX XXXX ( who has been shut down and filled bankruptcy back in XXXX ). A XXXX party collection agency called XXXX address P.O. XXXX XXXX XXXX, OH XXXX has sent me a debt to collect notice. Listed account # XXXX stating I owe a balance of XXXX. 

This disputed information is inaccurate and/or incomplete. As such, I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires that you : XXXX a reasonable reinvestigation of the disputed information. 
Review and consider all relevant information I am providing with this letter. 
Notify the furnisher of the disputed information. 
Delete or correct any inaccurate, incomplete, or unverifiable information. 
Provide me with written results of your reinvestigation within 30 days of receipt of this dispute ( or 45 days if you receive information from me during the reinvestigation ). 
In addition, as per my legal rights under federal law, I am requesting the following : A detailed description of the procedures you used to determine the accuracy and completeness of the information ( as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

The name, address, and telephone number of any furnisher of information contacted in connection with your reinvestigation ( as provided under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( ii ) ).

Notification of any deletion or correction made to my credit file, and that you send updated reports to any party that has received a copy of my report within the past six months ( or two years if for employment purposes ), as required under 15 U.S.C. 1681i ( d ).

I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and to pursue all available legal remedies under 15 U.S.C. 1681n and 1681o, including but not limited to actual damages, statutory damages, punitive damages, costs, and attorneys fees in a civil lawsuit that will be filed in XXXX XXXX. 

I look forward to receiving your prompt response, as required by federal law. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information on my credit report due to identity theft. I recently reviewed my credit report and discovered unauthorized accounts and/or transactions that I did not open or authorize. I know my rights under the FCRA and FDCPA and need this removed off my credit report. 

The following fraudulent accounts/transactions have been identified : Account # XXXX act # XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information on my credit report due to identity theft. I recently reviewed my credit report and discovered unauthorized accounts and/or transactions that I did not open or authorize. I know my rights under the FCRA and FDCPA and need this removed off my credit report. 

The following fraudulent accounts/transactions have been identified : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year>

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. Account number is XXXX and is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kingston Data & Credit International Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX, Tx double charging my account and still sent my account to XXXX XXXX and XXXX XXXX for collections. This impacted my XXXX XXXX a lot and impaired my ability to refinance my loans thus incurring a huge financial loss. 
Neither XXXX XXXX XXXX, Tx, or XXXX XXXX and XXXX XXXX responded to my dispute or complaint to BBB. 

I had a membership with XXXX XXXX, XXXX, Tx. This gym moved to a different location at the end of XXXX, XXXX. Since this is a farther location, I called the gym to cancel my membership. No one responded to my call. No one was there at the site to assist me in cancelling the membership. Phone calls were neither responded nor returned. 

XXXX XXXX, XXXX, Tx sent my account to collections in XXXX, XXXX  for a past due of {$160.00} without any prior notification. The last charges on the credit card was in XXXX, XXXX. Hence there can not be a past due by XX/XX/year>. 
Upon further investigation, I have found out that the gym was charging me double every month for more than a XXXX. Sent several emails to the gym with all the proofs about the double charges. Once it is confirmed that there were double charges, gym stopped to respond to my emails. 
There can not be a past due when my card is being charged double every month for more than a year. 
I have made several calls and sent certified postal mails to XXXX XXXX dispute, XXXX XXXX XXXX care, XXXX XXXX and XXXX XXXX XXXX, FL and XXXX XXXX and XXXX XXXX XXXX, FL. XXXX agent terminated my call without giving their email id to provide the necessary information to dispute when I mentioned I am disputing the charge. I had to send all the information in a certified mail that further cost me a lot of money. 
This is a clear matter that the gym purposefully sent my account to collections since I tried to cancel my membership due to the gym moving to a far location. XXXX agent during my call mentioned gym will not send account to collection by mistake. So this is very clear, that the gym put my account on collections on purpose since I tried to cancel my membership. This collection impacted my XXXX XXXX a lot thus impacting my refinance abilities and incurring a huge financial loss. Please help removing this collection from my credit report, get XXXX  refund for the excess amount charged and the additional costs that were incurred by me due to this issue. 
Yours sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am submitting this complaint under 15 USC 1681c2 because ChexSystems and/or XXXX XXXX XXXXXXXX is reporting information I did not authorize. I never gave written or verbal consent for my personal data to be collected, stored, or shared. This qualifies as identity theft under federal law. I submitted a complete XXXX XXXX XXXX dispute package including my FTC Identity Theft Report, government-issued ID, Social Security card, proof of address, and a formal written letter demanding deletion. I requested documentation proving I authorized the reporting of this information, and the company failed to provide it. I am requesting permanent deletion of the unauthorized data from my consumer file. 

Attached to this complaint is my full dispute packet.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This is a formal demand for the complete disclosure of the XXXX XXXX XXXX used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
This complaint is also my official request for debt validation to XXXX XXXX XXXX My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance. 
By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect XXXX XXXX XXXX to provide complete validation. 
To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the XXXX XXXX : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
Unauthorized Reporting of Accounts in Violation of 15 U.S.C. 1681b ( a ) and 1681s-2 I am submitting this complaint because XXXX or more accounts are being reported on my credit profile without my authorization or any permissible purpose as defined by the Fair Credit Reporting Act ( FCRA ). 
Under 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish or display information about a consumer if there is a legally permissible purpose or written authorization. I have never granted such authorization, nor do I have any open or existing relationship with the furnishers listed below. 
The following accounts have been reported on my credit report without authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted EQUIFAX several times to request evidence of my consent or permissible purpose, but I have not received any documentation or clear response. 
This unauthorized reporting has caused significant harm to my credit standing, reducing my score and limiting my access to essential credit and housing opportunities. 
I respectfully request that the Consumer Financial Protection Bureau investigate this violation and compel the furnisher ( s ) and/or credit bureau ( s ) involved to : Provide documented proof of permissible purpose under 15 U.S.C. 1681b ( a ) ; and Delete any information reported without such authorization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive noticed late payment records on my credit report that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information in my report must be accurate, complete, and capable of being verified. I am formally requesting verification of these entries. If verification is not possible, I request that the inaccurate information be corrected or deleted.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am submitting this complaint under 15 USC 1681c2 because ChexSystems and/or XXXX XXXX XXXX is reporting information I did not authorize. I never gave written or verbal consent for my personal data to be collected, stored, or shared. This qualifies as identity theft under federal law. I submitted a complete XXXX XXXX XXXX dispute package including my FTC Identity Theft Report, government-issued ID, Social Security card, proof of address, and a formal written letter demanding deletion. I requested documentation proving I authorized the reporting of this information, and the company failed to provide it. I am requesting permanent deletion of the unauthorized data from my consumer file. 

Attached to this complaint is my full dispute packet.

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