vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00}, XXXX XXXX XXXX Balance : {$160.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00}, XXXX XXXX XXXX Balance : {$160.00}

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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
Formal Request for Removal of Negative Items and Hard Inquiries under 15 U.S.C. 1692 ( c ) To Whom It May Concern : I am writing to formally dispute and request the immediate removal of certain negative items and unauthorized hard inquiries currently listed on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( c ), I am exercising my right to request that these items be removed or validated.

Specifically, this section of the FDCPA outlines the consumers right to limit communications and correct information that is either inaccurate or unverifiable. In accordance with this law, I am requesting that your agency : 1.Provide full validation of each disputed negative item and hard inquiry as required by federal law.

2.Remove any item or inquiry that can not be verified with original documentation directly from the creditor or furnisher.

3.Cease and desist from reporting any unverifiable or inaccurate information moving forward.

Please note that any negative item or inquiry that can not be properly validated within 30 days must be removed from my credit file immediately, as required under the Fair Credit Reporting Act ( FCRA ) and the FDCPA.

Please respond to this request in writing and confirm whether these items have been removed or what documentation you are relying on to continue reporting them. I am also requesting that all future communication be conducted via mail to maintain a clear record of correspondence.

Failure to respond to this notice or verify these accounts in accordance with federal law will be interpreted as your inability to validate the disputed items and will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and possibly civil action.

Thank you for your prompt attention to this matter. 

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 2025-07-13 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-13 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: CL Holdings LLC
State: GA

Complaint narrative:
I mailed this letter to them XX/XX/year> Jefferson Capital Credit Subject : Debt Validation Request for Account XXXX. 
Dear Jefferson Capital, I am writing to formally request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please treat this letter as my dispute of the debt in its entirety until validation is provided. I do not acknowledge this debt as valid, and I am exercising my right to request detailed verification. Specifically, I request the following information : 1. The amount of the debt : A complete breakdown of the amount claimed, including principal, interest, fees, and any other charges. 2. The name of the original creditor : Identify the original creditor associated with this debt. 3. Proof of debt ownership : Documentation proving that you have the legal right to collect this debt, such as a copy of the original contract or agreement. 4. Account history : A detailed account history from the original creditor, showing all payments, charges, and adjustments made. 5. Proof of your authority : Evidence that you are authorized to collect this debt on behalf of the original creditor or evidence of your ownership of the debt. 6. A copy of your license to collect in my state. Under the FDCPA, you are required to cease collection activity until this debt is properly validated. I kindly request a response within 30 days of your receipt of this letter. Additionally, I request that you refrain from reporting this debt to any credit reporting agency until this matter is resolved. If you have already reported the debt, please notify the credit bureaus that the debt is in dispute. Please direct all correspondence regarding this matter to me in writing at the address listed above. Thank you for your cooperation. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
capital one say i have a XXXX  card for XXXX o have never had this card or do i shop there. I asked to have this debt verified and they cant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
XXXX, XXXX, XXXX It says I have missed payments when the company said they would move one payment to the back of the loan thats it not three consecutive misses. Experience doesnt have me for XXXX missed payments.. I believe this is incorrect and false information has been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
I am writing to file a formal complaint against Experian Information Solutions XXXX Inc. for willful and egregious violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n and 1681i, related to their failure to conduct a reasonable investigation into inaccurate and damaging information on my credit report. 

Despite multiple disputes and clear evidence provided, Experian continues to report [ describe the inaccurate informatione.g., collections, late payments, or inquiries ] that is demonstrably incorrect. This negligent behavior has severely damaged my creditworthiness, causing financial harm, emotional distress, and obstructing my ability to secure credit and conduct business. 

I demand : 1. Immediate removal of all inaccurate and unverifiable information from my credit report.

2. A thorough and compliant reinvestigation in accordance with FCRA guidelines.

3. Notification of all parties who have received my credit report containing the disputed information.

4. Confirmation from Experian that these actions have been taken.

If Experian fails to comply promptly and fully, I am prepared to pursue all available legal remedies, including filing a lawsuit for willful violations under 15 U.S.C. 1681n. Such a lawsuit may seek statutory damages of up to {$1000.00} per violation, actual damages for harm suffered, punitive damages, and recovery of attorneys fees and costs. 

The ongoing presence of false information is unacceptable, illegal, and I demand swift corrective action.

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 2025-07-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

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 2025-07-13 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: WA

Complaint narrative:
I moved out of my apartment on XX/XX/year>. XXXX later charged me {$1300.00} without providing a proper itemized list or receipts. They only shared a few low-quality photos via an expiring XXXX  link, which is now inaccessible. I requested full documentation but never received it. Despite the lack of proof, they referred the debt to Hunter Warfield, which reported it to credit bureaus and damaged my credit. This violates California Civil Code 1950.5 and the FDCPA. I am requesting immediate removal of this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: NY

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. 

XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX 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 2025-07-13 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: GA

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. 

XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX List of Unauthorized Inquiries : 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 non-monetary relief
Consumer complaint received 2025-07-13 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: FL

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 - 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 : UNKNOWN # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2025-07-13 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:
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 XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian 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 explanation
Consumer complaint received 2025-07-13 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: NJ

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I requested that an address on my credit report be removed. The address is my parents address and has never been my place of residence or previous address. 

The only address that should be listed on my consumer credit report is the address listed on my state issued drivers license that is attached to this conplaint.

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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX my phone was stolen and then the people who stole that phone used it to make unauthorized transactions on my phone. One of those transactions was a Zelle through my XXXX XXXX  account to someone that was not my contact and I did not authorize this Zelle payment. The confirmation number for the payment is : XXXX. I did not authorize this payment and it was completed by the people that stole my phone. A police report was submitted : XXXX. Ive contacted XXXX XXXX and they keep telling me that they cant do anything because its Zelle and then Zelle tells me to contact XXXX XXXX. This is not protecting the consumer as both entities allowed someone who was not me to add individuals to transfer money to and then transfer that money. Please return the funds back to me as it was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NJ

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-07-13 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: NJ

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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