vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This is my third formal dispute of the account you are furnishing to Experian and TransUnion. Your reliance on a fabricated move-out statement is legally insufficient and continues to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

You claim that I failed to give proper notice of non-renewal and that you incurred charges for removing and repairing items allegedly left in the unit. Both assertions are demonstrably false. 
XXXX. Proper notice was given. On XX/XX/year>, the landlord emailed me that if I did not sign a renewal, I would be out of compliance and subject to eviction. That email itself proves the property had notice that I would not be renewing. No eviction was ever filed because my move-out complied with the lease terms and Florida law XXXX 
XXXX. False charges for items never owned. The move-out statement lists costs for removal and repairs of belongings and damages that never existed in my unit and that I never owned. To date, you have failed to produce a single photo, inspection report, invoice, or receipt substantiating these fabricated charges. 

Therefore, I demand that you provide the following documentation if you intend to continue reporting : A copy of the move-out inspection report ; All photos/video evidence of the alleged items and damages ; All invoices/receipts for repairs, removal, or replacements and what company moved these things out and made repairs A full itemized accounting/ledger of charges ; Proof that the landlord complied with Florida Statute XXXX ( XXXX ) by sending XXXX notice of deposit deductions within 30 days of move-out ; A copy of the exact documents you are transmitting to Experian and TransUnion to verify the debt noting that XXXX  has already determined your documentation was insufficient and deleted the tradeline .

Your continued reliance on a false move-out statement without supporting documentation violates FCRA 623 ( a ) ( 1 ) ( furnishing inaccurate information ), 623 ( a ) ( 2 ) ( failure to correct/update information ), and 623 ( a ) ( 8 ) ( failure to conduct a reasonable investigation ).

If you fail to provide competent proof of these claims and continue reporting this tradeline, I will escalate with my third CFPB complaint and pursue litigation to recover statutory, actual, and punitive damages, plus attorneys fees.

This is your final opportunity : substantiate your claims with real documentation, or permanently delete the tradeline. If you respond again with nothing more than the same fabricated move-out statement, you will leave me no choice but to bring this before a federal judge. 

Please govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
-- - Subject : Urgent Complaint Illegal Re-Aging and Immediate Removal Request Discover Account To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX Phone : XXXX  Email : [ XXXX XXXX XXXX XXXXXXXX Account Information : Creditor : XXXX  Account Number : XXXX Reported Date of First Delinquency ( DOFD ) : XXXX Actual Date of First Delinquency : XXXX Complaint : I am submitting this complaint regarding illegal re-aging of a Discover account on my credit report. The account opened in XXXX, yet it is being reported with a DOFD of XXXX. This is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Applicable Law : 1. FCRA 605 ( a ) Limits the reporting of negative information to 7 years from the original delinquency date. Re-aging an account artificially extends the reporting period beyond this limit, which is illegal.

2. FCRA 623 ( a ) ( 5 ) Requires furnishers ( creditors and collectors ) to report accurate information and prohibits knowingly providing inaccurate or misleading data to credit reporting agencies.

3. FCRA 611 ( a ) Grants consumers the right to dispute any inaccurate or incomplete information on their credit report, and requires investigation and prompt correction or deletion of errors.

Evidence : I have attached a sworn affidavit documenting the true delinquency date ( XXXX ) and demonstrating that the collector can not produce the original contract, which proves the DOFD of XXXX is false and unlawful. 

XXXX Requested : XXXX. Immediately remove or correct this account from all credit reports to reflect the true DOFD of XXXX. 


2. If verification can not be provided by the creditor, delete the account entirely.

3. Confirm in writing that these corrections or deletions have been completed.

Legal Consequences : Failure to comply with FCRA 605 ( a ), 611 ( a ), and 623 ( a ) ( 5 ) constitutes a federal violation, subject to enforcement by the CFPB and potential civil liability. This account is causing financial harm by illegally extending the negative reporting period, and I am prepared to pursue all available remedies under federal law if the account is not corrected or deleted immediately. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Attachment : Affidavit of True Date of First Delinquency -- - If you want, I can also make a version with bold, highlighted legal citations and Immediate Action Required formatting that CFPB reviewers respond to faster it basically screams urgency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NJ

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX  Contents of Complaint This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). I am formally requesting that TransUnion, as the credit reporting agency, block and remove information appearing on my consumer credit report that is the result of identity theft and fraud.

By law, you are required to block such fraudulent information within four ( 4 ) business days of receiving this request. 

Fraudulent Accounts to Be Removed XXXXXXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX ( duplicate reporting ) XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Fraudulent Inquiries to Be Removed The following inquiries were not authorized by me and are the direct result of identity theft. They must be deleted immediately : XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX ( duplicate ) XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Supporting Documentation I have attached the following to substantiate my claim : A detailed list of the fraudulent hard inquiries listed above. 

A copy of my TransUnion consumer credit report showing the fraudulent items. 

A copy of my FTC Identity Theft Complaint ( # XXXX ) and ( # XXXX ) filed with the U.S. Federal Trade Commission, confirming that the above accounts, collections, and inquiries are fraudulent.

Statement I do not recognize these accounts, collections, or inquiries. They were never opened, authorized, or initiated by me. All of the above are the direct result of identity theft and fraud. 

In accordance with FCRA 605B, I respectfully demand that TransUnion block and permanently delete these fraudulent accounts, inquiries, and collections from my consumer credit report immediately.

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 2025-09-02 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-09-02 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: AL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B. I need these items blocked and removed from my credit report. 

XXXX XXXX Account number XXXX XXXX XXXX XXXX discharged XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The late payment listed on my account is false. I have verified that all payments were made on time. This inaccurate reporting harms my credit profile and must be corrected.

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 2025-09-02 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: IL

Complaint narrative:
I recently checked my credit report and noticed multiple reporting accounts that do not belong to me and harming my credit report. They are reporting fraud and I am asking for immediate deletion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: AL

Complaint narrative:
Subject : Request for Deletion of Inaccurate Charge-Off XXXX Account To Whom It May Concern, I'm formally disputing the reporting of the XXXX account on my credit report. 
This account is marked as a charge-off and derogatory, yet it shows a {$0.00} balance and {$0.00} past due. The remarks also say it was " purchased by another lender '' ( listed twice ), which means the original creditor should no longer be updating or reporting the account in this way. 
Additionally, the payment history is inconsistent. A payment is shown in XX/XX/year>, yet the charge-off wasnt reported until XX/XX/year>, which raises questions about the accuracy of the reporting. 
Based on these inconsistencies and unverifiable information, I am requesting that this account be deleted from my credit report entirely. 
Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information can be reported. If the data can not be verified or corrected, it must be removed. 
Please complete your investigation and confirm the deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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 submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX  XXXX XXXX & XXXX XXXX  XXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/2025, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Due to extreme financial hardship, caused by health issues resulting in hospitalization and subsequently having to go on XXXX I contaced Capital One on Thursday XX/XX/year> @ approx XXXX EST to advise of this and to see what options were avaulable to me in terms of a long term payment plan. The representative I spoke to proceeded to advise that what payment plan could be offered was a 60 month fixed payment plan with pymt of {$13.00} at which time I informed the agent I would like to take advantage of that plan. Agent then said the plan could take 60 days to be pput in effect. I asked her if there was a supervisor I could speak to to see if there was possibility of a way to get that plan going sooner than thay. When I get transferred to the manager or supervisor they advise me that the payment plan is no longer available. I was flabbergasted and upset because as I explained to the supervisor had the agent informed me before transferring me that the offer would be null and void if I spoke to or was transferred to a supervisor I would have 100 % told the agent to forget about transferring me and get the paymentbplan set on the acct first before anything else!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the items listed below were returned as " verified '' without providing me with the details of the investigation. 

Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 
All documentation you have on file retrieved during your investigation. 
Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; XXXX fees as determined by the court.

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 2025-09-02 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:
It has come to my attention that my personal information has been exposed in a XXXX  XXXX  breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked 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, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt 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 non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Accounts Service Team Inc.
State: MI

Complaint narrative:
XXXX accounts svcs team is collecting on a debt for XXXX and XXXX XXXX. We already paid XXXX XXXX XXXX for this debt via various checks and credit card payments well before it went to collections. XXXX XXXX XXXX didn't give us credit for the last XXXX payments we made ( XXXX checks, XXXX card payments ). In addition, we were charged a {$200.00} collections " fee '' by FINL. They can't charge this fee even if we did owe the debt. I believe they only added this " fee '' to bring the debt amount over {$500.00} so they can report it to the credit bureaus. I disputed this debt directly with FINL including sending proof of payment. I never received any response and they reported a negative impact to the credit bureaus.

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 2025-09-02 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: IL

Complaint narrative:
I recently checked my credit report and noticed multiple reporting accounts that do not belong to me and harming my credit report. They are reporting fraud and I am asking for immediate deletion

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 2025-09-02 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:
I recently checked my credit report and noticed multiple reporting accounts that do not belong to me and harming my credit report. They are reporting fraud and I am asking for immediate deletion

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