vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This is follow up to Complaint Number- XXXX On XX/XX/year>, I received initial communication from Transworld Systems Inc. ( TSI ) claiming I owed rental-related debt. I immediately responded, disputing this debt and formally requested full validation per FDCPA ( 15 U.S.C. 1692g ) and FCRA ( 15 U.S.C. 1681s-2 ). Despite my timely dispute, TSI prematurely reported a derogatory item to all three major credit bureaus around XX/XX/year>, without first providing the required debt validation documents. 

TSIs actions led to a substantial negative impact on my credit score ( a XXXX drop in FICO Score XXXX ). They did not adequately respond to my comprehensive validation request, omitting key documents required by law, such as : *Original lease agreements. 

*Itemized charges breakdown. 

*Documentation showing mitigation efforts required under Texas Property Code 91.006.

*Fully executed final account statements. 

*After filing an initial CFPB complaint, TSI responded inadequately on XX/XX/year>, providing only limited move-out information, failing to fulfill my legally entitled request for comprehensive validation documentation. 

*TSIs premature negative reporting and insufficient validation violate clear protections established by the FDCPA and FCRA XXXX Their continued noncompliance has caused significant harm to my financial standing and creditworthiness. 
Requested Resolution : I seek immediate removal of the derogatory credit information reported by TSI, comprehensive debt validation, or a formal acknowledgment that the debt is invalid and uncollectible. Additionally, I request the CFPB investigate TSIs noncompliant practices regarding debt validation and premature credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
I have been a victim of identity theft and notified the XXXX XXXX  Police Department. I filed a formal report and notified the 3 credit bureaus. I am still getting a debt collection agency trying to collect is debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: FL

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2025-03-30 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:
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).

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 2025-03-30 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: IL

Complaint narrative:
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: OH

Complaint narrative:
XXXX XXXX XXXX, DATE OF BIRTH XXXXThis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency XXXX XXXX credit XXXX XXXX XXXX XXXX credit XXXX agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business davs of vou receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached a list of the hard inquiries in question as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. | do not recognize the aforementioned accounts, collections, or 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: OH

Complaint narrative:
XXXX XXXX XXXX, DATE OF BIRTH XXXXThis CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency XXXX XXXX credit XXXX XXXX XXXX XXXX credit XXXX agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business davs of vou receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached a list of the hard inquiries in question as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. | do not recognize the aforementioned accounts, collections, or 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. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are a result of identity theft and fraud

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 2025-03-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Incorrect information on my report improper use of my report Problems with fraud alerts and security freezes

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 2025-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Incorrect information on my report improper use of my report Problems with fraud alerts and security freezes

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 2025-03-30 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: LA

Complaint narrative:
Incorrect information on my report improper use of my report Problems with fraud alerts and security freezes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX, they are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation. Under 15 USC 1681 S2A furnishers must report accurate information under 15 USC 1681 I, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them has provided sufficient evidence to support the negative reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly ikes undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I arn deeply concerned that my dispute may be mishandled in a similar manner.

XXXX Please review the Inaccurate Information being report : XXXX XXXX XXXX XXXX Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX is supposed to come off Equifax before XX/XX/year>XXXX  I was told on a recorded line when I called. 

XXXX it is reporting until 4th and fifth month of XXXX  XXXX it is no longer on there are two accounts for XXXX XXXX credit union. 
Equifax is trying to hold my account for seven years from the last date of recent activity accounts are at a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CrossCheck, Inc.
State: NY

Complaint narrative:
submitted a formal request to CrossCheck, Inc. for my full consumer file under the Fair Credit Reporting Act ( FCRA ), as I am a XXXX XXXX  survivor conducting a full audit of third-party data vendors that may impact my current or future consumer risk profiles. Instead of sending my complete file, CrossCheck responded with a vague letter simply stating that they detected no negative data. 

This is not a valid consumer disclosure. Under the FCRA including but not limited to Section 605 ( 15 U.S. Code 1681c ) I am entitled to the full content of any reportable data, including information regarding past transactions, scoring factors, risk analysis, and internal notes, whether CrossCheck considers it adverse or not.

By failing to disclose the full file, CrossCheck is violating my rights under the FCRA. Their no negative data found statement is not sufficient. I did not authorize them to interpret what is or isnt adverse I requested my full file to determine that for myself.

I am asking the CFPB to require that CrossCheck issue a complete consumer file disclosure per federal law. As a protected survivor, my information must be handled with transparency, compliance, and accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally file a complaint regarding an unresolved dispute with Experian, which has not been properly addressed despite my efforts to have the inaccurate information removed or updated from my credit report. 

On I initiated a dispute with Experian regarding inaccurate information. After submitting the dispute, Experian responded by stating that the information was provided by the data furnisher, but they failed to provide any proof or validation of the accuracy of the information in question. 

Despite my request for further verification or supporting documentation to substantiate the claim made by the data furnisher, Experian has not updated or removed the inaccurate information from my credit report. They only reiterated that the data furnisher confirmed the accuracy, without offering any concrete evidence to validate this claim. 

As a consumer, I am entitled to accurate credit reporting and the right to dispute any information that I believe to be incorrect. I am deeply concerned that Experian is not complying with the Fair Credit Reporting Act ( FCRA ), which requires them to conduct a thorough investigation into disputed information and to provide proof of its accuracy. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and help ensure that Experian adheres to the proper procedures for credit report disputes and validation of information. 

Enclosed are copies of the correspondence from Experian and any relevant documentation supporting my dispute. I would greatly appreciate your assistance in resolving this issue as quickly as possible. 

Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems is attempting to collect a debt without proper legal validation. I requested verification under FDCPA 1692g, but they failed to provide a signed contract or proof of ownership. Instead, they only sent a billing statement, which is NOT legal validation. 

Despite failing to verify, they continue reporting this unverified debt to credit bureaus, violating FCRA 1681s-2 ( b ). This inaccurate information is damaging my credit. Additionally, they have continued collection attempts without proof, which is a violation of FDCPA 1692e ( misrepresentation of a debt ).

Requested Resolution : Delete this unverified debt from my credit reports immediately. 

Cease all collection activity since they failed to validate. 

Investigate Transworld Systems for repeated violations of federal law.

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 2025-03-30 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: NC

Complaint narrative:
Dear CFPB, I am filing this complaint against Experian and its data furnishers for reckless disregard of federal credit reporting laws, including the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, causing significant harm to my creditworthiness.

1. Summary of Violations FCRA 611 ( a ) ( 1 ) ( A ) : Experian ignored disputes sent on [ Date ] and [ Date ], failing to correct errors within 30 days. 
Metro 2 5.1 : Multiple accounts ( e.g., XXXX XXXX L ) lack complete 84-month payment histories, replaced with " No Data. '' FTC Debt Collection Rule ( XXXX ) : Collections ( XXXX XXXX, XXXX XXXX ) lack proof of debt ownership/validation. 
FCRA 623 ( b ) : Furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX ) provided no transactional records or Metro 2 compliance proof. 
2. Accounts Demanding Immediate Deletion Creditor Account # Violations XXXX XXXX L XXXX Incomplete payment data ( Metro 2 5.1 ), misreported " Open/Never Late '' status. 
XXXX XXXX XXXX XXXXXXXX Contradictory " Open '' status vs. 60-day lates ( Metro 2 4.2 ). 
XXXX XXXX XXXX No debt validation or Metro 2 4.2 documentation. 
XXXX XXXX XXXX XXXX Missing " Date of First Delinquency '' ( Metro 2 4.2 ). 
XXXX XXXX XXXX No proof of responsibility for {$10000.00} debt ( FCRA 623 ). 
3. Harm Caused Credit Denials : Multiple loan/credit card rejections due to inaccurate collections and late payments.

Emotional Distress : Severe anxiety from inability to resolve errors despite repeated disputes. 
4. CFPB Action Requested 1Order Experian to delete all disputed accounts within 15 days.

2Investigate Experians systemic Metro 2 non-compliance and impose penalties under CFPB Bulletin XXXX

3Require furnishers ( XXXX, XXXX, XXXX ) to audit and correct reporting practices. 
5. Evidence Attached Experian credit report ( XX/XX/XXXX ) with highlighted errors. 
Certified mail receipts for prior disputes ( # XXXX  and # XXXX  ). 
Denial letters from lenders citing disputed accounts. 
I demand resolution within 15 days per CFPB guidelines. 
Sincerely, 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 2025-03-31 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: OH

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX/DOFED, for the following account Numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. XXXXDOFED has constantly made mistakes regarding my payments. I have contacted and spoken to XXXX/DOFED on multiple occasions and they have told me that these payments are not to be made through XX/XX/year> due to being in Student forbearance and switching of servicers. Yet, these payments are still being shown as late, which caused a significant drop in my Credit Score reported, which is unacceptable. This information reflected on my credit report is extremely inaccurate. Regardless, payments have still been made while in forbearance. The incompetency and inaccurate reporting has led from my Credit Score going from excellent to unfavorable in a matter of minutes.

Company response to consumer: Closed with non-monetary relief