vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: MD

Complaint narrative:
Im reaching out because Ive discovered an account on my credit report that I did not authorize or open, and I need this issue addressed immediately.

This account is the result of unauthorized and fraudulent use of my identity. I want to be absolutely clear : I did not apply for, open, or consent to this account in any form. It does not belong to me, and it should never have appeared on my credit report in the first place.

This situation is not only frustratingits alarming. I take my personal information and financial history very seriously, and the presence of this fraudulent account is damaging my credit and misrepresenting my financial behavior. Im requesting that you conduct a thorough investigation and permanently delete this fraudulent account from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
These inquries were not made by me please remove 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 2025-09-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MT

Complaint narrative:
This account was paid in full on XX/XX/XXXX. The creditor is inaccurately reporting it as an outstanding collection account. I have attached proof of payment. Please remove this inaccurate item from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
In setting up automatic payments the bank account number was entered correctly. As no problems were noticed, process was completed. After this we received notice that the payment was NSF. We discovered that the company had a computer problem and deleted one character from the account number. This caused the account to not be found. Agents at the company have admitted this is the companies fault. They refuse to delete NSF fee and will not take any action to delete the incorrect account number to allow auto payment to be Set up Have attempted to resolve this several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Service of Nevada
State: TX

Complaint narrative:
I rented a property for XXXX from XXXX XXXX XXXX  During my stay I opted into their preferred tenant program where I paid a monthly fee in lieu of a security deposit. Upon moving out on XX/XX/XXXX the property was thoroughly cleaned and minimum damage of normal wear and tear aside from the damage that was there upon move in and reported and the damage that occurred over the course of my stay due to foundation issues that were reported and ignored for XXXX years before attention was given to the issue. 

I received and itemization from XXXX late XXXX XXXX in the amount of {$2500.00} which was unfair charges that included a {$840.00} carpet cleaning charge after the lease stated " DO NOT XXXX XXXX '' as well as a moveout instructions email stating the same, a cleaning service charge of {$660.00} which is insane as the house was cleaned very well, and other unreasonable charges. 

I attempted to dispute this with XXXX and the landlord who would not agree. They sent me an email in XXXX stating that they billed Your Renters Insurance Group {$1500.00} and that if I had not payed XXXX already then I would have to pay them the {$1500.00} and the balance to XXXX. I apparently misread the email about me owing XXXX  until I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I owe them {$1500.00}. 

I contacted both XXXX  and XXXX to find out who exactly was XXXX and to inquire about the {$1500.00}. I was told by both parties that XXXX is apart of XXXX preferred tenant program and that they are insurance for XXXX and pay up to {$1500.00} in move out fees and then the tenant has to pay XXXX. That information was not provided to me when signing neither lease or explained that if I chose the preferred tenant program that I would owe any to XXXX  if there was move out charges. There's nothing in the lease that states this information. I never signed any agreement with XXXX. I also attempted to dispute this matter with XXXX  per their letter and was told I need to take up the matter with XXXX. I continued to dispute the charges. 

In XXXX of XXXX I got a notice that XXXX submitted the {$1500.00} debt to the credit bureau which I attempted to do a dispute with both XXXX XXXX XXXX in XXXX and it came back vaild but a thorough investigation of the debt was not completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TN

Complaint narrative:
I am writing to formally dispute the inaccurate and negative items that remain on my credit report across all three credit bureaus Experian, Equifax, and TransUnion despite my previous complaint filed with the CFPB. 

Background : I previously filed a CFPB complaint regarding inaccurate and unverifiable accounts, including the XXXX  XXXX XXXX account. Unfortunately, the negative items remain on my report despite my earlier request for removal.

New Information TransUnion Data Breach : Since my last complaint, there has been a recent data breach involving TransUnion. Given that my personal data may have been compromised, this adds significant risk to the accuracy, integrity, and security of my consumer report information. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum accuracy when reporting consumer data. Due to the breach, I am requesting a full reinvestigation and the immediate deletion of all negative items associated with my file. 

Requested Action : 1. Delete all negative items across Experian, Equifax, and TransUnion that remain disputed in my previous CFPB complaint.

2. Remove the XXXX  XXXX XXXX account entirely from my report, as it remains inaccurate and unverified.

3. Confirm that my file has been fully updated and secured following the data breach.

Under the FCRA 6
11, I am requesting that these items be reinvestigated and removed immediately since they can not be verified and pose a risk to my financial security. 

I respectfully request a full update on the outcome of this dispute once your investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
I am writing to formally dispute the inaccurate and negative items that remain on my credit report across all three credit bureaus Experian, Equifax, and TransUnion despite my previous complaint filed with the CFPB. 

Background : I previously filed a CFPB complaint regarding inaccurate and unverifiable accounts, including the XXXX  XXXX XXXX account. Unfortunately, the negative items remain on my report despite my earlier request for removal.

New Information TransUnion Data Breach : Since my last complaint, there has been a recent data breach involving TransUnion. Given that my personal data may have been compromised, this adds significant risk to the accuracy, integrity, and security of my consumer report information. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum accuracy when reporting consumer data. Due to the breach, I am requesting a full reinvestigation and the immediate deletion of all negative items associated with my file. 

Requested Action : 1. Delete all negative items across Experian, Equifax, and TransUnion that remain disputed in my previous CFPB complaint.

2. Remove the XXXX  XXXX XXXX account entirely from my report, as it remains inaccurate and unverified.

3. Confirm that my file has been fully updated and secured following the data breach.

Under the FCRA 6
11, I am requesting that these items be reinvestigated and removed immediately since they can not be verified and pose a risk to my financial security. 

I respectfully request a full update on the outcome of this dispute once your investigation is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : 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 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : COLLECTION ACCOUNTS REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-09-10 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: TX

Complaint narrative:
I am a survivor of Identity Theft, and throughout my exploitation, my personal and financial information was utilized without my permission. Consequently, fraudulent accounts and debts were established under my name. I respectfully ask that you consider this context while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from pertinent authorities and organizations that can confirm my circumstances.

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 2025-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing the validity of the alleged {$530.00} debt reported by Portfolio Recovery Associates. I do not recognize this debt, and to date, I have not received proper validation or verification as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This debt has potentially been securitized or sold, meaning the original creditor has been compensated and Portfolio Recovery Associates may be attempting to collect on a claim they do not legally own. If they are profiting from securitization or derivative interests, then I request a legal explanation of how I can owe a debt that is already generating profit for another party.

Additionally, under 15 U.S.C. 1692e, false, deceptive, or misleading representations are unlawfulincluding implying I owe money without providing proof of standing or ownership. I also invoke FCRA 15 U.S.C. 1681s-2, which requires accurate reporting. Any continued repo
rting of this unvalidated debt may constitute willful violation of federal law.

I request immediate removal of this account from my credit reports and a full investigation into Portfolio Recoverys authority to collect and report this debt. I also request written documentation proving chain of custody, original signed contracts, and proof of lawful assignment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-10 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: OH

Complaint narrative:
I am filing a complaint against TransUnion, Experian, and Equifax for reporting multiple inquiries on my credit report that I did not authorize. These inquiries are incorrect, and they are negatively impacting my credit score. 

Examples of unauthorized or inaccurate inquiries include ( not limited to ) : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ), and many others. 

Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ), and others. 

These inquiries were not authorized by me, and I did not give permission for these entities to access my credit report. Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to ensure that all reported information is accurate and to protect consumer data from unauthorized access. 
Requested Resolution : Immediate deletion of all unauthorized and inaccurate inquiries from my credit reports.

Written confirmation that these inquiries have been removed.

Assurance that stronger safeguards will be applied so my credit report is not released without my authorization in the future. 

Respectfully, 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 2025-09-10 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: GA

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, managed, or approved these accounts. This is unacceptable, as it creates inaccurate and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is highly concerning.

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 2025-09-10 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: PA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-10 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: IN

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 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 2025-09-10 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief