vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX  XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I request the removal of these inaccurate inquiries from my credit report, as I never authorized their opening.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I request the removal of these inaccurate inquiries from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am submitting this complaint against Credit Collection Service ( CCS ) for unlawful debt collection practices and inaccurate credit reporting in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Credit Collection Service is reporting an alleged collection account with a balance of approximately {$660.00} on my XXXX, XXXX, and XXXX  credit reports. This account does not belong to me. I have no knowledge of this account, I never entered into any agreement with Credit Collection Service or any original creditor, and the account belongs to someone with the same or a similar name. 

On XX/XX/year>, I sent Credit Collection Service a written dispute and demand for validation pursuant to 15 U.S.C. 1692g ( b ) via certified mail. This letter formally disputed the alleged debt in its entirety and requested full validation. To date, Credit Collection Service has failed to provide any validation whatsoever, including the identity of the original creditor, a signed contract, or a complete payment history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 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 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: NJ

Complaint narrative:
Equifax is actively furnishing information associated with Identity theft, and denied my dispute and request to block on multiple occasions after providing legitimate information and identification. 

I request escalation to supervisor review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I am requesting that you conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i. If the information can not be verified with competent evidence, it must be deleted or corrected immediately. Please provide written confirmation of the results of your reinvestigation and an updated copy of my credit report. If you verify this information, please include the method of verification, including the name, address, and telephone number of the party who verified the information. Enclosed are copies of documents supporting my position. Please note that this letter is not an admission of liability for any alleged debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 submitting this complaint regarding Equifax Information Services LLCs failure to comply with the Fair Credit Reporting Act ( FCRA ), Section 605B, despite receiving a complete and legally sufficient identity theft packet.

I am a verified victim of identity theft. I submitted a full FCRA 605B fraud-block request to Equifax by mail, including all documentation required by law : FTC Identity Theft Report ( Report # XXXX ) Police Report issued by XXXX XXXXXXXX XXXX Police Department XXXX XXXX # XXXX, Texas Penal Code 32.51 ) Government-issued identification Proof of Social Security number ( last four digits ) Proof of current address Despite receipt of this complete package, Equifax has failed and/or refused to block the fraudulent accounts within four ( 4 ) business days, as explicitly required by 15 U.S.C. 1681c-2 ( a ).

The following accounts are confirmed fraudulent and were opened or used without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX Equifaxs failure to block these accounts is a direct violation of federal law. This submission is not a dispute under FCRA 611 and should not be treated as a reinvestigation. Once an identity theft report is received, Equifax is mandated to block the information and may not delay, investigate, or require additional documentation beyond what was already provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
The following accounts reported by Equifax are disputed due to inaccurate or incomplete information. Please investigate and correct the inaccuracies accordingly. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$12000.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$170.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$320.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$410.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$490.00} XXXX XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXXXXXX 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is reporting incorrect balance on my XXXX XXXXXXXX credit card i paid the baance down to {$47.00} and they are trill reporting {$1500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
This dispute involves a XXXX XXXX XXXX XXXX and a debt prohibited under the Debt Bondage Repair Act ( DBRA ) and the Fair Credit Reporting Act, 15 U.S.C. 1681c-3. I am a survivor of XXXX XXXX  and a participant in a state Address Confidentiality Program. This debt was incurred as a result of XXXX and is legally void. Separately, the transaction is void under Texas Transportation Code 501.073 because the dealer, XXXX, failed to transfer title as required by Texas Transportation Code 501.023. I attempted everything in my power including multiple conversations with the company, it's legal team on keeping them aware that the title was unable to be transferred to me due to XXXX and fraud ; however, the company failed to produce the UCC and or registration paperwork. As a victim at the time of XXXX, I had zero control of my mail, phone, or this required the company to have a signed signature for registration to legally transfer to title which the company never did. 

Despite a {$14000.00} down payment, the vehicle was rendered inoperable and uninsurable due to this title defect. Further, the conversion was improper because no security interest was perfected under Texas Transportation Code 501.111 ( a ). No pre-disposition or post-sale notices were provided, violating Texas Business and Commerce Code 9.6119.616 and the Texas Deceptive Trade Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. 
I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. 
That promise has not been fulfilledthese inquiries still remain. 
This failure to act is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS COMPLAINT CONCERNS ACCOUNTS APPEARING ON MY CREDIT REPORT THAT I DID NOT OPEN OR AUTHORIZE. I HAVE NO AFFILIATION WITH THESE ACCOUNTS AND FORMALLY REQUEST THEIR REMOVAL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the re-insertion of an XXXX account ( Account Number : XXXX ) that was previously deleted from my EQUIFAX credit report. This account was removed last month following a dispute, but I have noticed that it has now reappeared on my recent credit report without any prior notice, verification, or supporting documentation. I am requesting that this account be permanently deleted. 

The re-insertion of this account violates the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that a notice must be provided before a previously deleted account is reinserted. Additionally, this action violates the requirement for maximum accuracy under 15 U.S.C. 1681e ( b ), which obligates credit bureaus to ensure that the information they report is accurate and complete. 

I have filed an FTC Identity Theft Report regarding this issue and the reinsertion of this account continues to cause damage to my credit and reflect ongoing negligence. It is crucial that this matter be addressed immediately, as it constitutes willful noncompliance with the FCRA. 

I am asking the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and ensure that the responsible parties comply with the FCRA by permanently deleting this XXXX account from my credit report and taking appropriate actions to prevent further unauthorized reinsertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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:
Charged-Off Account in Dispute I dispute the following public record appearing on my Experian credit report : Bankruptcy Case # XXXX Reported XX/XX/XXXX Balance {$0.00} I am disputing the accuracy and continued reporting of this bankruptcy. I request Experian verify the case details, reporting period, and compliance with FCRA reporting requirements. If it can not be fully verified or is obsolete, it should be removed. 

Inquiries in Dispute I do not recognize or recall authorizing the following inquiries and request proof of permissible purpose : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( multiple entries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( duplicate entries ) 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 ( duplicate entries ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX If permissible purpose can not be documented, these inquiries should be removed. 

Late Payments in Dispute I dispute the late payment reporting on the following accounts : XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX The payment history reported is inaccurate or misleading and requires verification. If it can not be substantiated, it should 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