vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: AZ

Complaint narrative:
" Follow up to an existing complaint '' case XXXX This is a formal request to escalate complaint # XXXX regarding XXXX XXXX XXXX, XXXX XXXX 

In their response dated XX/XX/year>, XXXX XXXX falsely stated that I did not request validation of the debt and that nothing was received via mail. This is not true. 

On XX/XX/year>, I sent a debt validation letter via certified mail to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, WA XXXX The letter was sent in accordance with XXXX XXXX. XXXX ( b ) and included a clear dispute and a detailed request for debt validation. I have proof of mailing and tracking to confirm this letter was sent. 

Despite my proper dispute, XXXX XXXX : Verified the account with XXXX  on XX/XX/year>, without sending me any validation as required under federal law ; Misrepresented facts in their response to your office by claiming no request for validation was made ; Has continued collection activity by reporting this item, in violation of the FDCPA. 

These actions violate : FDCPA 809 ( b ) collection without validation ; FCRA 1681s-2 ( b ) failure to investigate and correct inaccurate information ; And potentially, 18 U.S. Code 1001, regarding knowingly providing false information to a federal agency.

I respectfully request the CFPB : Reopen and escalate this complaint for full investigation. 

Require XXXX XXXX to immediately delete this tradeline from all XXXX credit bureaus. 

Impose regulatory scrutiny for misrepresenting material facts during a federal complaint investigation. 

Attachments ( available upon request ) : Copy of the XX/XX/year>, validation letter Certified mail receipt and tracking Credit report showing verified status after dispute XXXX XXXX 's misleading response Thank you for your assistance in protecting consumer rights and holding violators accountable. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have 2 bankruptcies reporting on my credit that does not belong to me and I have a twin sibling that it belongs to and I have submitted documents from the courts and from my attorney stating that these bankruptcies do not belong to me, I want these removed immediately due to I have disputed this numerous of times and my rights are clearly being violated after all the documentation I have provided, If this is not resolved with in the next 30 days my attorney wil be contacting youll to file a lawsuit against EXPERIAN for the pain and suffering I have to go through due to this major inaccuracies and not being treated Fairly and I so give permission for her representation for me XXXX XXXX XXXX, I will be submitting documentation over again

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 2025-05-15 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code XXXX XXXXc-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so. 



You are hereby requested to provide the following within XXXX  days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you.

Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute. 



This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX must investigate and verify all disputed information, especially legal ownership. 

XXXX v. XXXX XXXX Bank, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXX XXXX XXXX XXXX Bank ( XXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 



If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account. 



Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to report suspected identity theft. I recently discovered unusual activity on my TransUnion and Equifax credit reports, including multiple credit inquiries that I did not authorize ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> ). Additionally, I noticed that my XXXX XXXX account was closed, and there are restricted credit cards listed under my name that I never applied for. 

Furthermore, I found an address listed on my credit report that is not associated with me ( XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in any way. I have never lived at or had any connection to that address, which further supports my concern that my identity may have been compromised. 

These findings are alarming, and I believe someone may be using my personal information fraudulently. I request that this matter be investigated and that steps be taken to secure my credit and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: AR

Complaint narrative:
On XX/XX/year>, I was notified that a collection had impacted my credit score. I was never notified of any debt owed ; I did not receive any phone calls, emails, or physical mail correspondence regarding any debts owed. The amount was for {$510.00} from Southwest Credit Systems, who made no effort to contact me nor make me aware of any debt owed. As I was unaware of the debt, I am also unaware of the reason for the debt, as that information was also not shared with me due to lack of correspondence. I went to their website to try to dispute the debt, however a reference number is required to do so, which I did not receive, again because of lack of correspondence and notification. I attempted to contact them at XXXX on XX/XX/year>XXXX  after seeing that their office hours for the day extended to XXXX and was unable to contact anyone, the automated line told me to call back within business hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Upon reviewing my credit report, I have identified several items of personal information being reported incorrectly. These inaccuracies are not only misleading, but also potentially damaging to my identity and creditworthiness. 

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are required by law to conduct a reinvestigation of any information a consumer disputes as inaccurate, and must correct or delete any unverifiable or incorrect data. 

Please ensure that only the following verified and accurate personal information remains on my credit file : My full legal name : XXXX XXXX XXXX XXXX My current address : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX My Social Security number : XXXX My employer : XXXX XXXX XXXX XXXX date of birth : XX/XX/XXXX I also request that all other names, addresses, employers, phone numbers, or identifiers not listed above be permanently deleted from my credit file, as they are erroneous or the result of previous identity mismatches, outdated records, or potential fraud. 
Furthermore, I have opted out in writing of any forced arbitration agreements and retain my full right to seek legal relief if this matter is not resolved in accordance with federal law. 

As provided by the FCRA, I expect confirmation of deletion or correction within 30 days, along with an updated copy of my credit report reflecting the accurate information listed above. 

Attached Supporting Documents : Copy of my photo ID Copy of my Social Security card Proof of address 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Upon reviewing my credit report, I have identified several items of personal information being reported incorrectly. These inaccuracies are not only misleading, but also potentially damaging to my identity and creditworthiness. 

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are required by law to conduct a reinvestigation of any information a consumer disputes as inaccurate, and must correct or delete any unverifiable or incorrect data. 

Please ensure that only the following verified and accurate personal information remains on my credit file : My full legal name : XXXX XXXX XXXX XXXX My current address : XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX My Social Security number : XXXX My employer : XXXX XXXX XXXX XXXX date of birth : XX/XX/XXXX I also request that all other names, addresses, employers, phone numbers, or identifiers not listed above be permanently deleted from my credit file, as they are erroneous or the result of previous identity mismatches, outdated records, or potential fraud. 
Furthermore, I have opted out in writing of any forced arbitration agreements and retain my full right to seek legal relief if this matter is not resolved in accordance with federal law. 

As provided by the FCRA, I expect confirmation of deletion or correction within 30 days, along with an updated copy of my credit report reflecting the accurate information listed above. 

Attached Supporting Documents : Copy of my photo ID Copy of my Social Security card Proof of address Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
I applied for a loan and I was told I was denied a while back, but theyre claiming that they gave me the loan which I never received or picked up. The mom was never given to me so I need this to become dismissed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Reporting inaccurate credit information is a significant breach of the Fair Credit Reporting Act. 
On XX/XX/scrub>/2025 I reviewed my credit report and noticed a collection/charge off account with a remark added settled-less than full balance from Credit Collection Service , date reported XX/XX/scrub>/2025. I dispute this account for inaccuracies, please delete the account. These violations have negatively impacted my score and financial health. After you have completed my request please provide me a copy of my credit report reflecting the changes made. I will pursue legal action if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX, I asked Equifax to remove an inaccurate XXXX  from my credit report. They removed the XXXX as inaccurate by the company that reported the information. On XX/XX/XXXX, I asked Equifax to remove the accounts that were previously included in XXXX  and they ignored this request. Instead they removed the word XXXX  from a few of the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am asking for your help to review accounts from these companies that are wrongly reporting late payments. After reviewing my credit report, I noticed some accounts showing incorrect late payment marks. There should be no late payment remarks on these accounts, so please remove them and update the accounts to show as positive and current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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 has 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 data 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. ACCOUNTS LISTED BELOW : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with explanation