vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: WA

Complaint narrative:
I am submitting this formal complaint against the three major credit reporting agenciesTransUnion, Equifax, and Experianfor failing to comply with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and for reporting accounts without my written consent. 

Despite submitting formal disputes to each bureau regarding unauthorized accounts on my credit reports, I have not received verification or correction, and these accounts remain on my reports, negatively impacting my credit standing and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: WA

Complaint narrative:
I am submitting this formal complaint against the three major credit reporting agenciesTransUnion, Equifax, and Experianfor failing to comply with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and for reporting accounts without my written consent. 

Despite submitting formal disputes to each bureau regarding unauthorized accounts on my credit reports, I have not received verification or correction, and these accounts remain on my reports, negatively impacting my credit standing and financial opportunities.

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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio has contacted me with a collection account that doesn't belong to me. This is my final written attempt to resolve this matter before legal action is taken with my attorney. I have included my identity docs along with a legal notice to cease all collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: PA

Complaint narrative:
The collection company is called : Advanced Collection, they are stationed in Florida. 
The balance on the account is {$910.00} and then appeared on my credit report XXXX XXXX XXXX Which is impossible because I was living in another apartment at that time, and the same one I reside in today. Who is my father and his information crossed which wouldnt be the first time, because him and I share the same name things always get mixed up on our credit reports in the apartment listed was where he lived, but my name and information is on it. I believe by mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: PA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
This company is reporting inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) 611 ( a ), 15 U.S.C. 1681i, which requires consumer reporting agencies to ensure all data is 100 % accurate and verifiable.

These inaccuracies have caused unnecessary stress and financial hardship as I work to rebuild my credit. The accounts and personal information listed in my attached dispute letter are either outdated, incorrect, or unverifiable. I am requesting a full reinvestigation and deletion of this information to restore accuracy to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: AL

Complaint narrative:
I am filing this complaint because [ XXXX XXXX Equifax XXXX XXXX ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( U.SXXXX XXXX ) held no entity is immune from FCRA liability ; and Norman v. TransUnion, LLC ( E.D. Pa. XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: MD

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXX/XX/XXXXXXXX XXXX, MD XXXX XX/XX/XXXXBalance {$1300.00}XX/XX/XXXXBalance {$0.00} XX/XX/XXXX Balance {$0.00}XX/XX/XXXXBalance {$400.00}XX/XX/XXXX Balance {$14000.00} XX/XX/XXXX Balance {$1000.00} Original Creditor XXXX BANK XX/XX/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 2025-10-28 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: SC

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
There are multiple accounts involved. Please see the submitted attachments below. The companies have no actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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:
There are multiple accounts involved. Please see the submitted attachments below. The companies have no actions.

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 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Reached out to verify debt in writing and it was not provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: VA

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and 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 non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX [ credit collection l ] [ XXXX XXXX XXXX ] [ XXXX XXXX  XXXX ] Re : Request for Debt Validation Account No XXXX XXXX XXXX XXXX XXXX ] To Whom It May Concern, I am writing in response to your collection activity regarding the account referenced above, which you have reported to the credit reporting agencies. This letter is a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I request that you provide the following : The name and address of the original creditor. The full account number associated with this alleged debt. A copy of the original contract, agreement, or other documents bearing my signature that makes me legally obligated to pay. A complete accounting of the alleged debt, including principal, interest, fees, and how they were calculated. Proof that you are legally authorized to collect this debt in my state and on behalf of the original creditor. Documentation showing your ownership of, or assignment to, this debt. Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this account with the credit reporting agencies ( XXXX XXXX XXXX XXXX  ). Reporting unverifiable or inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ). If you can not provide proper validation, you are required to delete this account from all consumer credit reports and cease any further collection activity. Please consider this letter a dispute of the alleged debt in its entirety. This letter is being sent via certified mail, return receipt requested, and a copy is being retained for my records. Sincerely, XXXX XXXX ] XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-27 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-28 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: PA

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX XXXX XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in Sessa v. TransUnion ( XXXX ), Kirtz ( XXXX ), and Norman v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : INQ - EX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2025-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My loan company was switched all of a sudden and I didn't get notified. This is the 2nd time this has happened. First with XXXX XXXX, now with Navient. When I tried contacting Navient on why I was being moved, they were in a lawsuit. I never opened a contract with XXXX and that'sthe company Navient sold my student loan to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$380.00} DEPT OF EDXXXX # XXXX XX/XX/XXXX -- {$0.00} DEPT OF ED/XXXX # XXXX XX/XX/XXXX -- {$0.00} DEPT OF EDXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX XXXX  XXXX XXXX # XXXX XX/XX/XXXX -- {$2300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This company threatened to hurt my credit reports and I never had a capital one account and also I was dealing with a hardship where I lost my job due to taking care of my sick mom who ended up passing away and I couldn't afford anything at the time due to hardship

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-28 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: FL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX ( Account No. XXXX ) for reporting inaccurate and misleading information on my credit report. 

Details of the Issue : Incorrect Address Reported : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This address does not belong to me and has been inaccurately associated with my credit profile. 

Account Information Error : XXXX XXXX Account No. XXXX Date Opened : XX/XX/year> Balance : {$0.00} Status : Charge-Off Despite showing a {$0.00} balance, the account is still being reported as a Charge Off, which is misleading and damaging to my credit reputation. Once a balance is paid or reported as zero, the charge-off status should be updated or removed to reflect accurate and complete information under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires furnishers to maintain maximum possible accuracy.

My Concerns : Reporting a wrong address falsely links me to a location I have never lived at, violating my privacy and potentially causing identity mix-ups. 

The XXXX XXXX account status is inconsistent and inaccurate it harms my creditworthiness even though the balance is XXXX. 

The furnishers failure to correct this after prior disputes suggests noncompliance with FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which obligate furnishers and credit reporting agencies to ensure data accuracy. 

Requested Resolution : I am requesting that the CFPB : Investigate Capital Ones reporting practices regarding this account. 

Require the removal or correction of the inaccurate charge-off status and the deletion of the wrong address from my credit report. 

Ensure all credit bureaus ( XXXX, Equifax, and XXXX  ) reflect corrected and accurate information. 

I have enclosed supporting documentation and identity verification for your review. 

Thank you for your attention and assistance. I request a prompt investigation into this matter and a written confirmation once this issue is resolved.

Company response to consumer: Closed with non-monetary relief