vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXXCARD ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: 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 XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is not a mistaken complaint. My credit report contains inaccurate information that does not meet the standard of maximum possible accuracy as required under the Fair Credit Reporting Act ( FCRA ). These errors are severely affecting my financial well-being and causing significant personal stress during an already difficult time.

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 2025-08-07 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to 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 2025-08-07 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: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXXXXe XXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NV

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-08 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: NV

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equitax breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES LISTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I am not linked to these accounts in any way. They are clearly the result of identity theft. I request both their removal and a formal investigation. Attached are my supporting documents.

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 2025-08-07 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hunt & Henriques
State: CA

Complaint narrative:
On XX/XX/year>, I spoke with a XXXX XXXX representative who confirmed that XXXX XXXX owns the debt in question. However, I was told I am not allowed to pay them directly and that all negotiations must go through Hunt & Henriques a third-party law firm theyve hired. This is not only deceptive but borders on illegal behavior. If XXXX XXXX owns the debt, they are legally responsible for managing settlement and payment not outsourcing that authority to a collector acting in bad faith. 

I offered a lump-sum payment of {$2000.00} over XXXX % of the debt which is significantly above industry settlement standards ( typically XXXX % ). Despite this, Ive been denied a direct path to resolution. Ive spent hours filing complaints, responding to a lawsuit, and trying in good faith to settle. Ive even paid the {$250.00} court filing fee to defend myself. XXXX XXXX is choosing to drag this out over {$900.00}, while a low-income consumer is left spinning in legal and emotional limbo. 

When I asked the representative why I couldnt pay XXXX XXXX directly, she said Hunt & Henriques dictates the amount. That is a clear admission that XXXX XXXX is allowing a third party to control negotiations despite claiming to be the legal owner of the debt. This is unacceptable. 

At this point, I have filed XXXX CFPB complaints because XXXX XXXX continues to act in bad faith. Their refusal to communicate directly, their contradictions around debt ownership, and their outsourcing of authority to a predatory collector are all violations of my consumer rights. I have told them I will continue filing weekly complaints until a fair resolution is reached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
Here is a legal letter template you can send to the Consumer Financial Protection Bureau ( CFPB ) when filing a formal dispute to request the removal of inaccurate or unverified debt from your credit report. This letter is structured to support your claim under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 



[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX NY XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] To : Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute of Unverified/Inaccurate Debt on Credit Report Dear CFPB Representative, I am submitting this formal complaint and request for investigation regarding an inaccurate and unverified debt that is currently being reported on my credit report. This alleged debt violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ] and the Fair Debt Collection Practices Act ( FDCPA ) [ XXXX XXXX. XXXX ]. 

Below are the details of the disputed item : XXXX Name : [ XXXX XXXX XXXX cards, XXXX ] Account Number/Reference XXXX [ Insert Account Number ] Amount Reported : [ {$6700.00}. and {$4500.00} {$12000.00} Credit Bureaus XXXX : [ Experian, Equifax, XXXX all that apply ] I have formally requested that the creditor and/or collector provide proper validation of this debt, including : XXXX. A copy of the original contract or agreement bearing my signature XXXX. The name and address of the original creditor XXXX. An itemized breakdown of the balance XXXX. Proof of legal authority to collect or report the debt To date, no such validation has been provided, yet the debt remains on my credit report, causing significant harm to my creditworthiness and financial stability. This is in direct violation of the FCRA and FDCPA, which require accurate, fair, and substantiated reporting. 

I am requesting the CFPB to investigate this matter and require the furnisher and/or credit bureau XXXX XXXX : Provide full, legally sufficient validation of the debt, OR Immediately delete the account from my credit report ( XXXX ) due to failure to validate. 

Attached are copies of the letters I sent to the creditor and credit bureaus, along with my credit report showing the disputed item. 

I appreciate your prompt attention to this matter and request a written resolution of this complaint as soon as possible. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] XXXX ( last XXXX digits only ) : XXX-XX- [ XXXX ] Date of Birth : [ XX/XX/XXXX Removal of all Inquiry details : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COMENITYBANK/KAYJEWE XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
Here is a legal letter template you can send to the Consumer Financial Protection Bureau ( CFPB ) when filing a formal dispute to request the removal of inaccurate or unverified debt from your credit report. This letter is structured to support your claim under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 



[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX NY XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] To : Consumer Financial Protection Bureau ( CFPB XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute of Unverified/Inaccurate Debt on Credit Report Dear CFPB Representative, I am submitting this formal complaint and request for investigation regarding an inaccurate and unverified debt that is currently being reported on my credit report. This alleged debt violates my consumer rights under the Fair Credit Reporting Act ( FCRA ) [ XXXX XXXX. XXXX ] and the Fair Debt Collection Practices Act ( FDCPA ) [ XXXX XXXX. XXXX ]. 

Below are the details of the disputed item : XXXX Name : [ XXXX XXXX XXXX cards, XXXX ] Account Number/Reference XXXX [ Insert Account Number ] Amount Reported : [ {$6700.00}. and {$4500.00} {$12000.00} Credit Bureaus XXXX : [ Experian, Equifax, XXXX all that apply ] I have formally requested that the creditor and/or collector provide proper validation of this debt, including : XXXX. A copy of the original contract or agreement bearing my signature XXXX. The name and address of the original creditor XXXX. An itemized breakdown of the balance XXXX. Proof of legal authority to collect or report the debt To date, no such validation has been provided, yet the debt remains on my credit report, causing significant harm to my creditworthiness and financial stability. This is in direct violation of the FCRA and FDCPA, which require accurate, fair, and substantiated reporting. 

I am requesting the CFPB to investigate this matter and require the furnisher and/or credit bureau XXXX XXXX : Provide full, legally sufficient validation of the debt, OR Immediately delete the account from my credit report ( XXXX ) due to failure to validate. 

Attached are copies of the letters I sent to the creditor and credit bureaus, along with my credit report showing the disputed item. 

I appreciate your prompt attention to this matter and request a written resolution of this complaint as soon as possible. 

Sincerely, [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] XXXX ( last XXXX digits only ) : XXX-XX- [ XXXX ] Date of Birth : [ XX/XX/XXXX Removal of all Inquiry details : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX COMENITYBANK/KAYJEWE XX/XX/XXXX 2022

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: AZ

Complaint narrative:
The account was first reported to my credit report on XX/XX/year> with a balance of {$4100.00}. Since then, I have requested validation of the debt, including : 1. A copy of the original agreement between the debt collector and the original creditor showing they have legal ownership or authority to collect on the debt.

2. Proof of how much they paid to acquire the debt from the original creditor.

3. A copy of the original signed agreement from when the account was first opened. 

To date, they have failed to provide any of this documentation. 

In addition, the debt collector continues to call me repeatedly and harass me, which I believe is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). Their actions are causing emotional stress and damage to my credit profile. 

I respectfully request that the CFPB investigate this matter, and that the debt collector be required to either provide the appropriate documentation or remove the account from my credit report. I am also requesting that they cease all further communication unless they can validate the debt. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation