vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: NV

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XX/XX/year> To : Credit Reporting Department Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Equifax, Experian and Transunion. This request is based on the recent deletion of the following accounts by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$32000.00}, from XXXX XXXX XXXXXXXX XXXX Also a charge off from XXXX XXXX XXXX for {$110000.00} listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of, XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX  has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date : XX/XX/year> To : Credit Reporting Department Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by Equifax, Experian and Transunion. This request is based on the recent deletion of the following accounts by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$32000.00}, from XXXX XXXX XXXXXXXX XXXX Also a charge off from XXXX XXXX XXXX for {$110000.00} listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of, XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX  has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: MS

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-04-03 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: EQUIFAX, INC.
State: MS

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
To Whom It May Concern, I am formally disputing the validity of the alleged debt CREDIT COLLECTIONS/ CREDIT CONTROL SOLUTIONS INC has reported on my credit file. This negative item is causing undue harm to my financial stability, limiting my ability to support my family and purchase a home. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, you are required to provide me with a validation notice within five days of your initial communication, outlining the amount of the debt, the name of the creditor, and my right to dispute the debt. To date, I have not received such notice nor am I aware of where this debt is from. Furthermore, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting information that has not been properly verified. Your agency has failed to provide evidence of my consent or acknowledgment of this debt, in violation of my consumer rights. Case law further supports my position : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) establishes that a simple declaration by a creditor that a debt is valid is insufficient. XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) holds that a debt collector must provide sufficient detail to validate a debt, ensuring it is accurate and lawful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX. XXXX, XXXX ) found that credit reporting agencies and furnishers are responsible for ensuring accurate reporting, and failure to do so may result in legal consequences. In light of the above, I am demanding the following actions : Cease and desist reporting this alleged debt to any credit reporting agencies ( XXXX, XXXX, and XXXX ) immediately. Provide me with all validation documents, including the original signed agreement ( if any ) proving my obligation to this debt. Remove this item from my credit report within 30 days and provide written confirmation of the deletion. If you fail to comply with these demands, I will proceed with my complaint to the Consumer Financial Protection Bureau ( CFPB ) and explore all legal remedies available to me under the FCRA and FDCPA. This letter serves as notice under the FDCPA and FCRA. Failure to respond accordingly may result in further legal action. Please respond in writing to the address listed above. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Exeter Finance LLC. Account was charged off 7 years ago. {$10000.00} was written off. I never received a 1099 C Form. They are continuing to place Charge off for every month that passes. This account should no longer show on my credit report since it has passed the 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
When I reviewed my credit report today, I was surprised to see incorrect accounts listed, and I dont understand why. I regularly check my report, and everything has been accurate until now. I refreshed my browser, thinking it might be a system error, but the inaccuracies didnt disappear. Given this, I am requesting that my submitted documents be carefully reviewed so I can finally put this issue behind 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 explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Alorica Inc.
State: NJ

Complaint narrative:
SST took over collecting balances for XXXX since it went out of business approximately XXXX or XX/XX/XXXX. During the time between SST taking over and XXXX permanently closing, I forwarded a check for my balance in full to XXXX. I did contact SST IN WRITING to state the payment was made to XXXX. The title company that issued the check sent me proof the check cleared the bank XX/XX/XXXX to which I forwarded to SST who either couldn't find it or didn't post it. The check was OVER the balance due and I am due a refund. This did not stop the calls, texts and emails that I had more money due. With the assistance of my attorney I did receive a letter mid XX/XX/XXXX the balance has been paid in full, yet my credit report as of yesterday states my balance with XXXX is increasing, thereby still having a negative effect on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: OR

Complaint narrative:
The are multiple inaccuracies in all 3 of my report from collections to credit card and personal loans, status is different verbiage on each. Also dates of balance updated are all different I reached out to XXXX  XXXX and i got hung up on. I reached out to XXXX XXXX, and they are not doing nothing to fix the solution, Experian and Equifax ask me to reach out to them and the companies are not doing anything about it. Transunion I can not submit more than XXXXne dispute at a time and their website half the time will not load. I need these items remove and deleted as they are not correct across all three reporting bureaus, this is affecting my chance to get a new loan. As the information is different.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
The are multiple inaccuracies in all 3 of my report from collections to credit card and personal loans, status is different verbiage on each. Also dates of balance updated are all different I reached out to XXXX  XXXX and i got hung up on. I reached out to XXXX XXXX, and they are not doing nothing to fix the solution, Experian and Equifax ask me to reach out to them and the companies are not doing anything about it. Transunion I can not submit more than XXXXne dispute at a time and their website half the time will not load. I need these items remove and deleted as they are not correct across all three reporting bureaus, this is affecting my chance to get a new loan. As the information is different.

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 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I've received XXXX text messages from southwest credit telling me i have a debt from XXXX of {$600.00} and are authorized to accept {$300.00} before XXXX. I have not been notified by XXXX about this. Plus, my payments are set to autopay. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I have contacted Spring Oaks Capital several times on a collection balance of over {$7000.00} was showing on my credit preventing me from qualifying for a mortgage. My mortgage company has requested proof of this as paid. I contacted Spring Oaks Capital who indicated the debt was XXXX XXXX I contacted XXXX XXXX  who confirmed the debt was settled and paid in full XX/XX/year>. Both companies reps I have spoke to refuse to contact the other with me on a XXXX way call, or at all. The both provided their email addresses and I sent an email to both together on XXXX XXXX. Both email addresses provided by their reps rXXXX XXXX XXXXs and XXXX received my email with attached proof from XXXX XXXX that day and have yet to respond. Nor send any validity of the debt to still be valid. XXXX XXXX XXXX has sent them a letter on my behalf as well, and all XXXX credit reporting agencies have received a dispute and this collection still remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: OH

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-04-03 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:
Complainant : XXXX XXXX XXXX XXXX XXXX Illegal Reporting of Medical Debt Violation of FCRA, HOEPA, and Congressional Guidance To Whom It May Concern : This complaint is being filed against Equifax Information Services , LLC for illegal and unauthorized reporting of medical debt on my consumer credit report, in violation of : FCRA 1681s-2 ( b ) ( failure to verify disputed account ) FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ) HOEPA ( Home Ownership and Equity Protection Act violations regarding abusive and unauthorized credit data sharing ) Congressional guidance under the Medical Debt Cancellation Act ( XXXX XXXX XXXX ) Privacy rights under the Fair Credit Reporting Act and the Federal Trade Commission Act Details of the Violation : 1. Equifax is reporting a {$1700.00} medical debt assigned by XXXX XXXX on XX/XX/year>, for an alleged balance from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX. I never authorized this medical account, and Equifax has not provided any verification, contract, or documentation proving the account is valid or legally reportable. 
XXXX. This debt was furnished to Equifax without my permission and violates my consumer rights under the FCRA and HOEPA.

4. Under the Medical Debt Cancellation Act, Congress is actively working to cancel and ban the collection and reporting of medical debt, especially for vulnerable consumers and emergency-related services. 
XXXX. I was never sent any notice or validation, and Equifax is knowingly and recklessly reporting an unverifiable, unauthorized, and potentially unlawful debt. 



Legal Escalation : I am preparing to submit a formal FTC complaint and reserve all rights to pursue a civil lawsuit in XXXX XXXX XXXX XXXX for : Statutory damages under FCRA 1681n Punitive damages for willful noncompliance Injunctive relief and full deletion of all illegal medical reporting Action Demanded : Immediate deletion of the XXXX XXXX medical account from my Equifax credit report Written confirmation within 10 business days Full disclosure of the party who furnished this information and under what legal authority Cease and desist all unauthorized reporting of any medical or financial data not initiated with my express written consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Greetings, I received an American Express prepaid card as a XXXX gift from a company I frequently engage with. However, when I attempted to use the card today, I received an email notification indicating that there was a problem with the payment. 

I encountered a similar issue when trying to use this card on a different website, which has left me quite frustrated, as I am unable to utilize it despite it being a gift card. 

Today, on XX/XX/year>, I attempted to make a purchase for {$25.00}. Initially, the transaction appeared to be successful, but shortly thereafter, I received a confirmation email stating that there was an issue with the payment. I will include a screenshot of that email for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
I have try so hard to get this done, Bankruptcies are not mine and no knowledge of the fraudulent things that are going on, and my report has been compromise and info was leak thro dark web, I'm in process of a deal and needs to be removed asap as well as late payments taken care of and updated. I know my rights under the FCra act and Metro 2. 
Thank you have a blessed day.

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