vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MI

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI. XXXX First Credit Services XXXX XXXX XXXX XXXX, NJ XXXX XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt you say I owe you. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXXXXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative marks are found or continues to report on any of my credit reports by your company of the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with FTC and other state of federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-24 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: SC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-24 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S, C { 1681c-2 ) that you the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of loan, credit card auto loan

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: WI

Complaint narrative:
I am filing this complaint against TrueAccord Corp for attempting to collect a debt in Wisconsin without a valid XXXX  XXXX XXXX license, in violation of XXXX XXXX. XXXX and the Fair Debt Collection Practices Act ( FDCPA ). 

The original alleged debt was tied to XXXX XXXX XXXX, whom I previously reported to the CFPB for unlicensed collection activity. XXXX is not listed as a licensed collection agency in Wisconsin. 

Instead of responding to the initial complaint, XXXX transferred the debt to TrueAccord, who has now begun contacting me in an attempt to collect. However, a search of the XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX  ) database shows TrueAccord is also not licensed to collect consumer debt in Wisconsin. 

These actions : Violate Wisconsin law by engaging in unlicensed collection Violate FDCPA 807 ( 15 U.S.C. 1692e ( 5 ) ) by threatening action that can not legally be taken May also violate FCRA 623 if they are furnishing information to credit bureaus I consider this behavior deceptive and evasive. I request a full investigation into TrueAccord 's licensing status and conduct, and that enforcement action be taken against both XXXX and TrueAccord.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries that appear on my TransUnion credit report. I did not authorize the listed companies to perform hard inquiries on my credit file, and I am requesting an immediate investigation and removal of these inquiries. 

Disputed Inquiries : XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX ( XXXX ) XX/XX/XXXX XXXX. XXXX ( Bank ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX I have attached a screenshot of my TransUnion report ( via XXXX XXXX XXXX dated XX/XX/XXXX, which lists these inquiries. I did not apply for any credit or authorize any of these entities to access my credit file on the mentioned dates. 

These hard inquiries are negatively impacting my credit score and were made without my consent. As such, they are a violation of the Fair Credit Reporting Act ( FCRA ), which requires that inquiries only be made with express permission from the consumer.

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 2025-07-24 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: NC

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of the accounts & hard inquiries below appearing on my Equifax credit report. I am a verified victim of identity theft due to a data breach most notably the XXXX  Equifax Data Breach, and these accounts were fraudulently opened in my name without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. 
Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), XXXX XXXX is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ).

In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 


XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Investment Retrievers, Inc.
State: CO

Complaint narrative:
I signed an agreement with Investment Retrievers that if I paid XXXX on XX/XX/year>XXXX  that they would delete the entry from my credit report. I upheld my end of the agreement but they have not. I am attaching the signed agreement plus the emails. I am asking that this be deleted from all three credit bureaus as agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
I am a victim of identity theft, unauthorized data sharing, and data breach-related errors impacting my credit reports with Experian, TransUnion, and Equifax. Despite multiple disputes and supporting evidenceincluding my FTC Identity Theft Reports, police report, Equifax deletion records, and breach notificationsfraudulent accounts, unauthorized hard inquiries, and inaccurate names/addresses are still being reported. 
These errors include accounts I did not open ( XXXX XXXX, XXXX, XXXX ), inquiries I never authorized, and personal info that is not mine. My extensive evidence, attached to this complaint, demonstrates clear violations of the Fair Credit Reporting Act ( FCRA ), including FCRA 1681c-2 and 1681i requirements for immediate blocking/deletion of disputed information after proof of identity theft is submitted. 
All three bureaus have failed to fully correct the information, and I have exhausted all dispute channels. This ongoing inaccuracy is damaging my credit, employment opportunities, and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
factor trust stated that i have not been employed that long and the credit file is to short and my score is insufficient its pnly insuffinct because they placed false accounts on my inquiry i would like this false inquiry of my report my police report for idenity theft is located at the kinsmin police station in XXXX XXXX  for

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am formally disputing the accuracy of the XXXX XXXX account listed on my credit report ( Account ending in XXXX ). After thoroughly reviewing my credit file and the creditor 's reinvestigation response, I have identified multiple factual errors and violations of the Fair Credit Reporting Act ( FCRA ), and I request immediate correction or deletion of this account from my file.

Key Discrepancies and FCRA Violations : Inaccurate Charge-Off Reporting The account shows a charge-off dated XX/XX/XXXX, yet delinquency began in XX/XX/XXXX. Under FCRA 623 ( a ) ( 5 ), charge-offs must be reported within 180 days of the first missed payment. This timing appears to be a deliberate attempt to re-age the account, which is prohibited under federal law.

Inconsistent Balance and Payment History The balance is reported as {$8000.00} from XX/XX/XXXX to late XXXX, while showing {$0.00} payments since XX/XX/XXXX. It is impossible for a creditor to report the same balance over this long period without updating payment activity. This

violates FCRA 607 ( b ), which mandates complete and accurate data reporting. Over-Limit Charges Without Consent My credit limit was {$7200.00}, but the reported high balance is {$8000.00}. If XXXX allowed charges over my limit without documented opt-in ( as required under the CARD Act ), this constitutes unauthorized activity and unfair reporting.

Incomplete Payment History " ND '' Designation Multiple months show " ND '' ( no data ), which constitutes incomplete and unverifiable reporting. Under FCRA and XXXX Metro 2 guidelines, furnishers are obligated to report complete and consistent data.

Requested Resolution : I request the immediate deletion of this tradeline or full correction of all inaccurate, unverifiable, and incomplete data in compliance with the FCRA.

Please complete your reinvestigation within 30 days as required by law and provide written confirmation of the outcome. If this information remains unchanged, I will pursue further legal remedies for noncompliance with FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: MD

Complaint narrative:
I am formally disputing the accuracy of the XXXX XXXX account listed on my credit report ( Account ending in XXXX ). After thoroughly reviewing my credit file and the creditor 's reinvestigation response, I have identified multiple factual errors and violations of the Fair Credit Reporting Act ( FCRA ), and I request immediate correction or deletion of this account from my file.

Key Discrepancies and FCRA Violations : Inaccurate Charge-Off Reporting The account shows a charge-off dated XX/XX/XXXX, yet delinquency began in XX/XX/XXXX. Under FCRA 623 ( a ) ( 5 ), charge-offs must be reported within 180 days of the first missed payment. This timing appears to be a deliberate attempt to re-age the account, which is prohibited under federal law.

Inconsistent Balance and Payment History The balance is reported as {$8000.00} from XX/XX/XXXX to late XXXX, while showing {$0.00} payments since XX/XX/XXXX. It is impossible for a creditor to report the same balance over this long period without updating payment activity. This

violates FCRA 607 ( b ), which mandates complete and accurate data reporting. Over-Limit Charges Without Consent My credit limit was {$7200.00}, but the reported high balance is {$8000.00}. If XXXX allowed charges over my limit without documented opt-in ( as required under the CARD Act ), this constitutes unauthorized activity and unfair reporting.

Incomplete Payment History " ND '' Designation Multiple months show " ND '' ( no data ), which constitutes incomplete and unverifiable reporting. Under FCRA and XXXX Metro 2 guidelines, furnishers are obligated to report complete and consistent data.

Requested Resolution : I request the immediate deletion of this tradeline or full correction of all inaccurate, unverifiable, and incomplete data in compliance with the FCRA.

Please complete your reinvestigation within 30 days as required by law and provide written confirmation of the outcome. If this information remains unchanged, I will pursue further legal remedies for noncompliance with FCRA.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have student loans that were paid off and the credit reporting agencies refuse to update status of my account two accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I have student loans that were paid off and the credit reporting agencies refuse to update status of my account two accounts.

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 2025-07-24 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: FL

Complaint narrative:
I have student loans that were paid off and the credit reporting agencies refuse to update status of my account two accounts.

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 2025-07-24 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: GA

Complaint narrative:
To Whom It May Concern, I am filing this CFPB complaint to request, under FCRA 605B ( 15 USC 1681c-2 ), that you permanently block and remove fraudulent items from my credit report. These accounts were opened fraudulently and are the result of identity theft.

The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have attached my FTC Identity Theft Affidavit ( Case # XXXX ) and a copy of my credit report highlighting the fraudulent accounts.

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 2025-07-24 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: CA

Complaint narrative:
XX/XX/XXXX  inquiry from XXXX, i never applied anything from XXXX

Company response to consumer: Closed with explanation