vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I am formally disputing the account listed below and demand its immediate removal from all credit reporting agencies : Creditor : National Credit Systems , Inc. XXXX XXXX XXXX XXXX Apartments Account Number : XXXX Previous CFPB Case : Submitted XX/XX/year> This debt is inaccurate, unverified, and legally insufficient. National Credit Systems has violated multiple provisions of federal law, including : Failure to provide original documentation They have not produced the original signed lease or move-out agreement, as required under FDCPA ( 15 U.S.C. 1692g ).

Failure to provide complete accounting No itemized payment history or proof of charges has been supplied.

Failure to prove legal assignment They have not provided evidence that they have the right to collect this debt.

Improper reporting under FCRA ( 15 U.S.C. 1681i ) The account has been reported inaccurately, creating a false obligation on my credit file. 
Failure to timely address dispute Despite my previous CFPB submission, the account remains on my credit report without proper validation. 

Reporting unverifiable and inaccurate information violates federal law and exposes NCS and the credit reporting agencies to legal liability. 

This is your final demand : Delete this account immediately from all credit reporting agencies. 

If deletion is not completed within 30 days, I will escalate to the CFPB, FTC, the Tennessee Attorney General, and pursue all legal remedies available under federal and state law, including statutory damages. 
Do not respond with recycled or insufficient documents. I require original, signed contracts and complete supporting documentation, or the account must be removed. 

I expect written confirmation of deletion within 30 days. Failure to comply will result in immediate legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In 2025, I became a victim of fraud. Unknown individuals accessed and leaked my personal information, impersonating me, which has caused me significant concern. These malicious individuals opened accounts in my name without my consent, and the creditors approved these accounts without proper verification. In XX/XX/year>, I discovered this situation when reviewing my credit report through my Experian account, TransUnion and Equifax. I tried to contact the company multiple times to resolve the issue, but I did not receive a solution. Several times, my calls were disconnected, and I was not allowed to speak. They only provided information I had already received before.In 2025, I became a victim of fraud. Unknown individuals accessed and leaked my personal information, impersonating me, which has caused me significant concern. These malicious individuals opened accounts in my name without my consent, and the creditors approved these accounts without proper verification. In XX/XX/year>, I discovered this situation when reviewing my credit report through my Experian account. I tried to contact the company multiple times to resolve the issue, but I did not receive a solution. Several times, my calls were disconnected, and I was not allowed to speak. They only provided information I had already received before.

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 2025-09-23 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: WA

Complaint narrative:
I am filing this complaint because all three credit bureaus are reporting a late payment on my XXXX  account ( Account ending in XXXXXXXX XXXX XXXX dated XX/XX/2022 ), despite the account being fully closed and paid in full. The account currently shows a balance of {$0.00} and XXXX past due, yet the bureaus continue to display it as late. I have attached a copy of my most recent credit report, which clearly proves there is no outstanding balance or past due for this account. There is no factual basis for reporting this item as delinquent. 

This reporting is inaccurate, misleading, and damaging. By continuing to show a late payment on an account that has been fully satisfied, the bureaus and XXXX are falsely portraying me as a delinquent borrower. This violates their obligations under 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 15 U.S.C. 1681i, which mandates a proper reinvestigation when a dispute is raised. Previous disputes regarding this account have been ignored or superficially verified without proper review, which demonstrates a pattern of negligence and failure to comply with federal law. 

The continued presence of this false late payment is harmful and unacceptable. It unfairly impacts my creditworthiness, limits access to fair financial products, and creates unnecessary stress. This is exactly the type of inaccurate reporting the FCRA was enacted to prevent.

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 2025-09-23 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: GA

Complaint narrative:
Account Details : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation.

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 2025-09-23 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: Law Office of Michael J. Scott, PC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> To : Scott & Ass, Spring Oaks SPV, LLC, XXXX  XXXX # XXXX CC ; XXXX, XXXX, FDIC, OCC, CFPB, AG. 

RE : Final Notice of Dispute and Demand for Deletion, due to lack of legal standing to collect/report, and Identity theft. I have never consented to contract with you. the alleged FIRM and Account buyer. DEBT was securitized! 

To Whom It May Concern, This letter serves as a formal follow-up and final notice concerning my previous disputes related to account reported by XXXX XXXX XXXX, XXXX,. I submitted disputes and supporting documentation, including SEC filings, demonstrating that Scott & Ass, Spring Oaks SPV, LLC, has failed to provide lawful validation or verification of the alleged debts. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to delete that can not be verified Scott & Ass, Spring Oaks SPV, LLC, has failed to respond to my 15 U.S.C. 1681n letter and continues to report inaccurate information to XXXX, XXXX  and XXXX. Continued reporting of inaccurate or unverifiable information constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o.

USC 1681b, 1681c-2 ( 1 ), 1681i ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: LA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
I was a victim of identity theft and people was allowed to open accounts even after I called the companies and advise them I also have had a fraud alert on credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NY

Complaint narrative:
I was a victim of identity theft and people was allowed to open accounts even after I called the companies and advise them I also have had a fraud alert on credit report

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-23 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: IL

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. I need immediate clarification on why these accounts are appearing and who is responsible for reporting them.

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 2025-09-23 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

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 2025-09-23 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: PA

Complaint narrative:
Just now AGAIN!! XXXX THANK YOU XXXX XXXX has given now EXPERIAN Credit Bureau the same FALSE CREDIT information. it just today gave to XXXX XXXX XXXX, then XXXX, NOW see this : straight from my now credit monitoring service record : XXXX XXXX from Experian : New/Change Account Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

Flag This Alert Alert Date : XX/XX/year> Account : XXXX XXXX XXXX XXXX Details Activity Type : Account Change Number : Status : Not more than XXXX payment past due Balance : XXXX  {$4500.00} Address : XXXX XXXX XXXX, XXXX XXXX XXXX SD, XXXX Phone : XXXX THIS TIME NO ACCOUNT NUMBER HIDING THE FALSE INFO!! 

All three credit bureaus have now damaged my credit due to the False credit Reporting by XXXX Thank You Master card. NOW XXXX TIMES TODAY!!! my last complaint they state no more then XXXX past due payments Now saying XXXX payment past due, All FALSE REPORTING. They still refuse to give me the debt validation letter demanded documents showing their credit bureau reports are False.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate, incomplete, and harmful entries appearing on my credit reports, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These reporting errors have significantly damaged my creditworthiness and caused undue hardship. 

XXXX. Wrong Address Reporting The following addresses are incorrectly listed in my credit file and have no valid association with me : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX The continued reporting of false addresses creates confusion, potential identity mix-ups, and violates the FCRA requirement that only accurate, verifiable information be maintained in my credit file. 

XXXX. Inaccurate Account Reporting The following accounts are being inaccurately reported : XXXX XXXX ( Account : XXXX ) Date Opened : XX/XX/XXXX Balance : {$3300.00} Error : Reported as late payment, which is inaccurate and unverified. 

Department of Education / XXXX  ( Account : XXXX ) Date Opened : XX/XX/XXXX Balance : {$65000.00} Error : Reported with late payments that are disputed and not properly verified. 

XXXX XXXX ( Account : XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} Error : Reported with a late payment, which is incorrect for a closed/paid account. 

XXXX. FCRA Violations Under the FCRA, credit reporting agencies and furnishers are legally obligated to ensure maximum possible accuracy of all information reported. These accounts and addresses are not being reported with accuracy, nor have I been provided proper verification despite disputes. This constitutes a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i.

4. Requested Action I am requesting that the CFPB take immediate action to investigate these violations and enforce corrections with the credit reporting agencies and furnishers involved. Specifically, I demand : The permanent removal of the inaccurate addresses from my credit file. 

The deletion or correction of the inaccurate late payment notations for the accounts listed above.

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 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation