vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: MI

Complaint narrative:
I am writing to dispute and request the removal ( blocking ) of specific items on my credit report that are results of identity theft, pursuant to SECTION 605B of the FAIR CREDIT REPORTING ACT ( 15 U. S. C. SECTION 1681C-2 ). I have been a victim of identity theft and have filed an identity theft report with local law enforcement agency. I did not open, authorize or have any knowledge of the following accounts or inquires that appear on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting thatthese accounts and any related information be BLOCKED AND REMOVED from my credit file, as required by FCRA 605b. Attached are copies of the following supporting documents : My government issued photo ID, Proof of address, police report number, and identity theft affidavit. Please send me written confirmation once these items have been blocked or removed, or if any additional information is needed to complete this request. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Social security Number : XXXX XXXX informed this company that by not placing a block on the identified accounts in the required 4 days that they are not in compliance with Federal Laws FCRA 605b.

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 2025-11-19 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding several inaccurate credit report items that remain after disputes filed under FCRA 611 and 623. 
The following furnishers and CRAs have failed to report accurate data : - XXXX XXXX XXXX  - XXXX - XXXX / XXXX XXXX - XXXX XXXX - Equifax, Experian, TransUnion I request CFPB enforcement action to ensure accurate reporting and removal of unverifiable

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 2025-11-19 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 filing a complaint regarding several inaccurate credit report items that remain after disputes filed under FCRA 611 and 623. 
The following furnishers and CRAs have failed to report accurate data : - XXXX XXXX XXXX  - XXXX - XXXX / XXXX XXXX - XXXX XXXX - Equifax, Experian, TransUnion I request CFPB enforcement action to ensure accurate reporting and removal of unverifiable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 non-monetary relief
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the validity and accuracy of the debt you claim I owe, reported on my credit file, and associated with XXXX XXXX at XXXX XXXX  Apartments. This dispute is being filed pursuant to FCRA 611 ( 15 U.S.C. 1681i ) and FDCPA 809 ( b ) ( 15 U.S.C. 1692g ). 

Upon review of the documents you submitted, it is clear that the materials provided : Do not match my original lease and move-in/move-out documents that I physically signed in person and electronically at the time of the lease. 

Include multiple digital signatures and repeated contract pages that I never signed or authorized. 

Contain altered formatting, extra pages, and inconsistent terms that differ from my originals. 



These discrepancies indicate that the documents you submitted are forged or fabricated, and therefore can not legally validate the debt. The repeated electronic signatures are fraudulent and were never authorized by me. 



Furthermore, your request that I provide my original documents to assist in investigation is both unnecessary and improper, as the law requires that you possess and produce your own original documentation to validate the debt. I will not supply my originals under any circumstances. 



Please also note that on [ insert date of your email ], I sent an email to NCS requesting a settlement in good faith. Despite this, your company has submitted fraudulent documents to the CFPB and credit reporting agencies. This demonstrates an attempted misrepresentation of the debt and shows that I have been acting responsibly to resolve this matter.

Because the documentation provided is fraudulent and can not verify this alleged debt : I request that National Credit Systems immediately cease all collection activities regarding this account. 

I request that all information regarding this account be removed from my credit reports with all credit reporting agencies. 

I demand that any further communication regarding this account be in writing only, as required under the FDCPA. 

Please be advised that continuing to report, attempt to collect, or contact me regarding this debt after receiving this notice may constitute violations of federal law, including the FDCPA and FCRA, and could subject your company to legal action.

I expect written confirmation from NCS and all credit reporting agencies that this fraudulent account has been removed from my credit file within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: M.L. Zager P.C.
State: NC

Complaint narrative:
My father 's passed away and theres a hold from XXXX  from ML Zager phone number is XXXX and never recieved a call back. The phone has now been shut off. Can't access the funds as the beneficiary because of the hold. My father declared bankruptcy before and didnt have any medical bills.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MS

Complaint narrative:
We have an approved trip cancellation with XXXX and the refund was sent to our Coinbase XXXX debit card account. This Coinbase account was used for the trip payment. Coinbase stated they declined the transaction because it was sent as a voucher, which they do not accept. I was never notified of the declination and only found it when visiting my Coinbase account. Also, I was told by Coinbase that they would not notify me or XXXX and refused to send information to XXXX so I could proceed in receiving my refund. 
After contacting XXXX for assistance I was told that they would not send the refund to my bank instead of Coinbase. 
Coinbase and XXXX handle customer relations through foreign entities with minimal XXXX skills. They have no decision making authority and mostly quote from written scripts. 
I am caught in a " XXXX  XXXX '' situation where each business refuses to help me get my refund of {$520.00} USD.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 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: NY

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX XXXX  under account number XXXX. The account is being shown as delinquent and potentially negative, which is incorrect. I made my payments on time, and this negative reporting does not accurately reflect my payment history. 
I am requesting that the credit reporting agency investigate this matter and correct the information so that the account is updated to show as Paid on Time. This inaccurate reporting is harming my credit profile, and I would appreciate a prompt review and correction. 
Thank you for your attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I am submitting this formal complaint against CAVALRY PORTFOLIO SERVIC for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which requires debt collectors to provide proper written validation of a debt upon request. 

In XX/XX/year>, I received communication regarding an alleged debt from the above company. In accordance with 1692g ( b ), I exercised my right to request written verification of the debt. Despite my timely request, the collector failed to provide the required validation, including but not limited to : Proof that the alleged debt belongs to me The original creditors name and account details Itemization of the amount allegedly owed Documentation proving they have the legal right to collect the debt Under 1692g, collection activity must cease until validation is provided. However, CAVALRY PORTFOLIO SERVIC continued to pursue collection efforts, including letters, reporting to credit bureaus, and court threats, without supplying the legally required verification. This is a direct violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-19 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 want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am disputing the reporting of the account ending in XXXX, which appears under the name XXXX XXXX. This account is reporting under a name that is not associated with me for financial purposes. 

I settled this account in XX/XX/year> under protest, because there were charges on the account that were not mine. I attempted to resolve the issue directly with XXXX, but they refused to investigate or correct the account. As a result, I was forced to allow the account to go to collections and ultimately negotiated a settlement. 

Despite the settlement, the account continues to be reported as a Charge-Off ( CO ) in the monthly activity section after XX/XX/year>. This is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), once an account is settled, it must be reported accurately as Settled, Paid, or Paid for less than the full balance, and ongoing charge-off updates should not continue past the settlement date. 

I have included all documentation in my possession regarding this account and settlement. 

Thank you for your prompt attention.

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 2025-11-19 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:
To Whom It May Concern : I am disputing the reporting of the account ending in XXXX, which appears under the name XXXX XXXX. This account is reporting under a name that is not associated with me for financial purposes. 

I settled this account in XX/XX/year> under protest, because there were charges on the account that were not mine. I attempted to resolve the issue directly with XXXX, but they refused to investigate or correct the account. As a result, I was forced to allow the account to go to collections and ultimately negotiated a settlement. 

Despite the settlement, the account continues to be reported as a Charge-Off ( CO ) in the monthly activity section after XX/XX/year>. This is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), once an account is settled, it must be reported accurately as Settled, Paid, or Paid for less than the full balance, and ongoing charge-off updates should not continue past the settlement date. 

I have included all documentation in my possession regarding this account and settlement. 

Thank you for your prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: FL

Complaint narrative:
To Whom It May Concern : I am disputing the reporting of the account ending in XXXX, which appears under the name XXXX XXXX. This account is reporting under a name that is not associated with me for financial purposes. 

I settled this account in XX/XX/year> under protest, because there were charges on the account that were not mine. I attempted to resolve the issue directly with XXXX, but they refused to investigate or correct the account. As a result, I was forced to allow the account to go to collections and ultimately negotiated a settlement. 

Despite the settlement, the account continues to be reported as a Charge-Off ( CO ) in the monthly activity section after XX/XX/year>. This is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), once an account is settled, it must be reported accurately as Settled, Paid, or Paid for less than the full balance, and ongoing charge-off updates should not continue past the settlement date. 

I have included all documentation in my possession regarding this account and settlement. 

Thank you for your prompt attention.

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