vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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:
I am submitting this identity theft and inaccurate reporting complaint because XXXX is reporting information on my credit file that does not belong to me and/or is the result of identity misuse. The information being reported is false, unverifiable, and does not reflect my actual account history. Because of this, I am requesting a full investigation and immediate removal.

Under the Fair Credit Reporting Act ( FCRA ), I am invoking the following rights : FCRA 602 ( 15 U.S.C. 1681 ) My consumer report must be fair, accurate, and free of false information.

FCRA 603 ( q ) & 605B ( 15 U.S.C. 1681a ( q ), 1681c-2 ) I have the right to block and remove any information resulting from identity theft or unauthorized activity.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Credit bureaus must maintain maximum possible accuracy. The information being reported does not meet this standard.

FCRA 611 ( 15 U.S.C. 1681i ) I have the right to dispute inaccurate or fraudulent information and require verification or deletion.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ) Furnishers, including XXXX, are prohibited from reporting information they know or should know is inaccurate.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) Once a dispute is submitted, XXXX must conduct an investigation and must delete any unverifiable or inaccurate information. 

The Avant account being reported shows inaccurate data, including a balance that has remained unchanged for years, late payments that are incorrect or unauthorized, and activity that I did not make or approve. These inaccuracies suggest identity misuse, unauthorized reporting, or improper account handling. 

Because this information is false and unverifiable, I am requesting : XXXX. An identity theft investigation into the XXXX account reporting. 
XXXX. Complete removal/blocking of the XXXX account and all related negative information under FCRA 605B.

3. Deletion of all inaccurate, unverifiable, or unauthorized late payments, balances, or activity.

4. A written confirmation once the information has been removed.

This inaccurate reporting is harming my credit and does not reflect authorized or legitimate account activity. I request immediate correction under the FCRA.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading mortgage credit reporting involving my FHA mortgage that was transferred between mortgage servicers. 

My credit reports show the same mortgage loan being reported twice, once under XXXX XXXX Mortgage ( XXXX ) and again under XXXX XXXX XXXX XXXX Mortgage. These tradelines share the same original balance, loan type, and origination date, confirming they represent XXXX single mortgage obligation, not XXXX separate accounts. 

Despite this, both tradelines are reporting derogatory late payment history for overlapping periods, including during the recognized mortgage servicing transfer grace period. XXXX tradeline shows the loan as transferred, while the other continues to report late payments for the same loan and timeframe. 

This has resulted in duplicate and compounding derogatory reporting, falsely inflating delinquency and materially misrepresenting my credit risk. This reporting is misleading, inaccurate, and not XXXX. 

I have already disputed this issue directly with the credit reporting agencies. Despite providing clear evidence that this is XXXX mortgage being reported twice, the inaccurate information has not been corrected. 

Reporting XXXX sets of delinquencies on a single transferred mortgage violates the credit reporting agencies obligations under FCRA 1681e ( b ) to ensure maximum possible accuracy, as well as the furnishers duties under FCRA 1681s-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
My credit report contains an account that does not belong to me. I have no affiliation with this account and did not authorize it. I request a full investigation and its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report, and I was shocked to learn I have been a victim of identity theft. These accounts are identified as fraudulent accounts that I did not authorize to report on my credit report.

According to ( FCRA ) 15 USC Section 1681i- Reinvestigation of disputed information. ( FCRA ) 15 USC 605 B- Blocking of Information Resulting from Identity Theft, Fraud, or Inaccurate Reporting. ( FCRA ) Section 609 ( a ) ( 1 ) ( A ).

You are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.

Failure to positively verify these accounts has been hurting me in my ability to obtain credit and as I am in the process of looking buy a home for my family.

Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand to see verifiable proof with : * An original consumer contract with my signature on it.

* The name, address, license number of the original creditor.

* The chain of custody/ assignment documentation providing the collectors legal right to collect.

* A complete itemized accounting of the debt.

* The method of verification used by the furnisher during previous reporting. If the information can not be verified, it must be deleted from my credit file in compliance with FCRA law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: LA

Complaint narrative:
Equifax has failed to conduct a reasonable and lawful reinvestigation regarding a collection account furnished by XXXX XXXX XXXX XXXX. 

I disputed this account on XX/XX/year>, and Equifax marked their investigation completed on XX/XX/year>, claiming the account was verified. However : XXXX deleted this same account XXXX deleted this same account XXXX XXXX did not provide any documentation proving the debt is valid Equifax did not provide any validation or explanation for the verification This is a violation of : FCRA 611 Right to a reasonable reinvestigation FCRA 607 ( b ) Duty to maintain maximum possible accuracy FCRA 623 Furnisher information must be consistent across all bureaus When two other major bureaus removed the same account for lack of verification, Equifax can not reasonably claim that the information is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I can't have current updated credit report from Experian. Experian shows error message for my credit report : Sorry, we can't show you today 's XXXXbureau report. This might mean that Experian has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. 

I have tried contacting Experian to assist with fixing this matter, but I haven't received no response from Experian to assisting with updating my personal credit profile. 

My Experian Credit Report has not been updated since XX/XX/2025. 
Why isn't Experian Boost finding my bills?

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 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint regarding multiple willful violations of the Fair Credit Reporting Act and the continued publication of inaccurate, misleading, incomplete, and unverified information by Equifax and the listed furnishers. After prior disputes, the following inaccuracies remain reported without correction or proof of investigation : * XXXX XXXX Account XXXX Reporting balance as {$850.00}, but High Credit shows {$730.00}, proving the balance exceeds the alleged original credit line. 
Reports Reinvestigation in Process permanently, which is inaccurate because the dispute process can not remain in process indefinitely.

No Date of Last Payment, Date Closed, or Activity Date provided, making the reporting incomplete and unverifiable.

Months reviewed/ Payment history shows C ( Collection ) inconsistent with no proof of collection status, assignment, or ledger. 


Per FCRA 602, 607 ( b ), 609, 611, 623, furnishers and bureaus must ensure information is accurate, complete, and verifiable. Reporting : conflicting dates, balances higher than original credit lines, accounts marked closed but still collecting, disaster codes without authorization, and unverifiable items without ledgers or proof of assignment represents willful noncompliance, consumer harm, and negligent reinvestigation.

The continued reporting of materially false, unverifiable, and misleading derogatory credit information has resulted in credit denials, higher interest costs, emotional distress, loss of economic opportunity, and ongoing reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: WA

Complaint narrative:
My name is XXXX XXXX and I am a minor ( DOB : XX/XX/year> ). I am the victim of identity theft. Fraudulent accounts and incorrect personal identifiers have been added to my credit report without my knowledge or consent. I have never authorized any application for credit. The following accounts were opened when I was a minor and are not mine : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX Additionally, my credit file falsely lists the last name XXXX and multiple addresses in XXXX and XXXX, WA, where I have never lived. My correct legal name is XXXX XXXX, and I have only lived at my current address. 

I submitted disputes to the credit reporting agencies and provided official documentation : FTC Identity Theft Report, XXXX, WA Police Report, government-issued ID, and proof of address. These fraudulent items must be permanently blocked under FCRA 605B, and incorrect identifiers must be deleted under FCRA 605 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CARVANT FINANCIAL LLC
State: FL

Complaint narrative:
This company knows I was out of work for 3 months and took my car twice in 2 months XXXX & XXXX of 2025 when you try to explain why you havent paid them they do not comprehend or understand they only care about the fact you got behind and act like you cant get behind even though you are human. They then demand twice the amount I owe each time why would a company extort money from a person who was out of work for XXXX mos with no unemployment assistance. They can just take my car because I got behind even though I had no income or assistance for XXXX mos and have told them many times they said its not an excuse to get behind but I dont have any help why cant they understand I cant pay if Im not getting paid Im working now & dont have my car instead of them letting me pay what I owe they are demanding almost twice the amount again they extort money from their own customers,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: ResidentCollect, Inc.
State: NJ

Complaint narrative:
I moved out from XXXX XXXX on XX/XX/XXXX and paid all requested fees as I was terminating the lease early. 
At the beginning of XXXX, about 10 month after moving out, I received a notification from Innovative recovery about a debt from XXXX XXXX, XXXX XXXX never attempted to contact me regarding this debt and I was learning about it for the first time from Innovative recovery. I contacted XXXX  XXXX and they sent me a ledger of charges I didnt recognize. I requested them to send me a dated move out report as required by Texas law with no avail. 

When contacted by innovative recovery, I requested a dated report of the move out inspection, as well as proof XXXX XXXX attempted to contact me. They said XXXX only had to put the letter in the mail. I requested that proof and never received anything. I highlighted with them that it had been 10 months since I moved out and that the landlord is required by law to contact me within 30 days of moving out. They provided me with a report with fees after I moved out. 

Upon purchasing a vehicle recently, I was given an unfavorable interest rate, upon checking my credit report, I found an entry from innovative recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Loan officers at XXXX told me that my loans would be placed on pause/deferment. 

Based on their assurances, I reasonably believed no payments were required during the affected months. 

The servicer failed to process the pause correctly. 

I was never notified by email, text, or phone that my accounts were considered late. 

Instead, late payments were reported, damaging my credit history. 

This is not consumer negligence it is the result of servicer error and lack of communication. 

Why this violates the law : Under FCRA 607 ( b ), credit bureaus must ensure maximum possible accuracy.

Under FCRA 611, they must conduct a reasonable reinvestigation. After multiple disputes, they continue to verify inaccurate information without providing proof. 

The servicer has failed to provide proper documentation or verification of these alleged late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: VA

Complaint narrative:
I am filing a complaint because multiple hard inquiries were added to my Equifax credit report without my permission. 

I contacted Equifax and disputed the inquiries, but Equifax didnt remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> These inquiries are harming my credit score and were not authorized by me. I am requesting CFPB assistance because Equifax failed to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with Experian. Specifically, I am disputing the following accounts being reported. 

Despite my written disputes, the credit bureau ( s ) have failed to properly verify these accounts or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ). 

The continued reporting of these unverifiable accounts is causing ongoing harm to my credit profile.

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 2025-12-09 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
On XX/XX/XXXX I received a letter to collect alleged debt from XXXX, XXXX XXXX XXXX. I requested debt validation twice from they on XX/XX/XXXX and on XX/XX/XXXX by certified mail. They did not provide the full account history of how they got to the balance due {$2100.00}. They did not provide the original signed agreement with my signature. They did not provide the chain of custody to prove that they own the alleged debt. Also, there are inconsistencies in the bogus XXXX of XXXX they sent that does not show the account listed and the date of transfer date is XXXX XXXX. Then there is another date on it XX/XX/XXXX. This is Exhibit ll. Where is Exhibit l?

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 2025-12-09 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: CA

Complaint narrative:
I am submitting this complaint to report Equifaxs continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The accounts in questionXXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to reflect erroneous XXXX payment entries that have not been substantiated by any verifiable documentation. Equifax has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Equifax is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Equifax has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

Company response to consumer: Closed with explanation