vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX  XXXX for inaccurate, misleading, and potentially fraudulent reporting of an alleged charged-off account appearing on my credit report, as of XX/XX/XXXX. 

The account shows the following across XXXX, Experian, and XXXX  : Balance : {$1300.00} Credit Limit : {$500.00} Account Status : Closed, Charged-Off Last Activity : Between XX/XX/XXXX and XX/XX/XXXX Reported as : " Profit and loss write-off '' and " Charged off as bad debt '' I dispute this account for the following reasons : Violation of the Fair Credit Reporting Act ( FCRA ) The continued reporting of a charged-off account with an unpaid balance is deceptive if the lender received compensation through insurance, securitization, or a tax write-off. I have not received any method of verification from the bureaus or the furnisher. 

Failure to Provide Proper Validation or Chain of Title I issued a lawful Conditional Acceptance requesting validation and proof of lawful assignment, but XXXX XXXX failed to produce any affidavit, wet-ink contract, or proof that they are the lawful holder in due course under UCC 3-302 . Their silence is a commercial default. 

Potential Tax Fraud XXXX  XXXX has not issued any IRS Form 1099-C or 1099-A, which they are required to file if the account was discharged or abandoned. This leads me to suspect tax fraud or noncompliance with 26 U.S. Code 6050P. I plan to report this using IRS Form 3949-A and Form 1099-B if not resolved.

Inaccurate Accounting and GAAP Violations Reporting a {$1300.00} balance on a {$500.00} credit limit with no supporting documentation for interest, penalties, or fees violates GAAP. It also raises the issue of potential double recovery or unjust enrichment if they already claimed the loss.

Intent to Report to Regulatory Agencies If this issue is not resolved immediately, I will file formal reports with the IRS, SEC, FTC, OCC, and other appropriate bodies using the following forms : IRS Form 3949-A ( Tax Fraud Referral ) IRS Form 1099-B ( for discharge/securities reporting ) IRS Form 4506-A and 4506-T ( for records and transcripts ) IRS Form 56-F ( Fiduciary Misconduct Notification ) I am requesting immediate removal of this account from all credit bureaus or, alternatively, full validation, reconciliation of accounting, and tax documentation confirming that this debt remains valid and collectible. The failure to respond truthfully will result in further legal escalation.

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 2025-06-20 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: AL

Complaint narrative:
Equifax is reporting multiple pieces of personal information that are inaccurate or outdated, despite my prior requests for correction : Wrong date of birth Equifax shows XX/XX/1993, but my correct DOB is XX/XX/1993. 
Incorrect or misspelled name variations e.g., XXXX, XXXX, XXXX, etc. These are not my legal name. 
Outdated address XXXX, XXXXALXXXX is no longer my residence and should not appear on my file. 

I previously asked Equifax to fix these errors and provided proof of my correct information, but the bureau has not made the changes. This violates the Fair Credit Reporting Act ( FCRA ) requirement to maintain accurate consumer data and is harming my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Immediately and permanently delete the XXXX XXXX XXXX XXXXXXXX tradeline from my consumer report, as they are reporting a charged-off account without verifying its validity, proper accounting, or legal standing of the furnisher. The continued reporting of a balance after a charge-off without evidence of lawful collection rights or IRS tax compliance violates 15 U.S.C. 1681s-2 ( b ).

Initiate a reinvestigation under FCRA 611, with full documentation from the furnisher, including : A signed contract, Proof of ownership ( chain of title ), Reconciliation of the account from {$500.00} to {$1300.00}, IRS Form 1099-C or 1099-A if the debt was canceled or abandoned, Confirmation that Credit One has not been paid via securitization, insurance, or any third-party charge settlement. 

Provide a full Method of Verification as required by FCRA, including all correspondence with XXXX XXXX XXXX  and confirmation that Equifax verified the accuracy using primary source documentationnot electronic confirmations or XXXX codes. 

Update the record to show deleted status, and issue corrected consumer disclosures to all parties with whom this inaccurate information was shared. 

If no resolution is reached, I reserve the right to : Report this inaccuracy and potential fraud to the IRS ( XXXX, XXXX ), File a formal FTC complaint, Initiate civil litigation under the Fair Credit Reporting Act for failure to maintain maximum possible accuracy and failure to conduct a reasonable investigation. 

Equifax has a legal duty to ensure that information furnished and maintained in my consumer file is accurate, verifiable, and not misleading. Failure to do so will be escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I submitted a formal debt validation request, which was delivered and signed for on XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they were legally obligated to cease all collection efforts and provide verification of the debtincluding a signed agreement, detailed balance breakdown, and legal assignment documentation.

To date, Credit Collection has failed to provide any response. Their continued failure to validate the debt violates FDCPA 1692g ( b ) and also raises concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) if they are reporting unverifiable data to the credit bureaus. I am now filing this complaint due to their noncompliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: OK

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/scrub> 2025. I'm now requesting you investigate this account and update these payments to PAID ON TIME immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am a survivor of XXXX XXXX, and during the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.

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 2025-06-20 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: NC

Complaint narrative:
I am writing to request the removal of certain inaccurate items from my credit file. A list of these items is attached in a separate document for your reference. 

I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report that I did not apply for. I respectfully request that these fraudulent items be removed to ensure my credit report accurately reflects my financial history. 

I have reported the identity theft to the Federal Trade Commission and have enclosed copies of the report as supporting documentation. In accordance with Section 605B of the Fair Credit Reporting Act, I request that you block this fraudulent information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX XXXX are required to remove any items not later than XXXX business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Inaccurate Reporting and Failure to Verify Information Violation of the Fair Credit Reporting Act I, XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on my own behalf as a natural person. This complaint concerns the continued reporting of inaccurate information on my credit report and the failure of the credit reporting agency to comply with the requirements set forth under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 U.S. Code 1681i ( 7 ), I am entitled to a full explanation of the reinvestigation procedures used to verify disputed information on my credit report. This includes, but is not limited to, the name, address, and telephone number of any furnisher of information that was contacted. I am requesting this information to understand how the accounts below were allegedly verified. 

Disputed Items XXXX XXXX XXXX  Late Payment ( Closed/Paid ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX Charge Off Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Inaccurate Reporting and Failure to Verify Information Violation of the Fair Credit Reporting Act I, XXXX XXXX XXXX, am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) on my own behalf as a natural person. This complaint concerns the continued reporting of inaccurate information on my credit report and the failure of the credit reporting agency to comply with the requirements set forth under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 15 U.S. Code 1681i ( 7 ), I am entitled to a full explanation of the reinvestigation procedures used to verify disputed information on my credit report. This includes, but is not limited to, the name, address, and telephone number of any furnisher of information that was contacted. I am requesting this information to understand how the accounts below were allegedly verified. 

Disputed Items XXXX XXXX XXXX  Late Payment ( Closed/Paid ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal Information Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX Charge Off Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Closed/Paid ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-06-20 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 writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 


These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX Bank was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
I am filling to formally dispute and request the immediate removal of the following items and charges, as I am a victim of identity theft. I did not open these items, authorize these transactions, or receive any money, goods, or services from them. These items were fraudulently created or used without my knowledge or consent. I have no connection or affiliation with them, and they should not be associated with my credit report or personal information in any way. 

The fraudulent items are as follows : XXXX XXXX XXXX BALANCED {$620.00}. 
XXXX XXXX XXXX BALANCED {$1400.00}. 
XXXX XXXX XXXX BALANCED {$730.00}. 
XXXX XXXX XXXX BALANCED {$3000.00}. 
XXXX XXXX XXXX BALANCED {$610.00}. 
XXXX XXXX XXXX BALANCED {$1100.00}. 
XXXX  XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
I am filling to formally dispute and request the immediate removal of the following items and charges, as I am a victim of identity theft. I did not open these items, authorize these transactions, or receive any money, goods, or services from them. These items were fraudulently created or used without my knowledge or consent. I have no connection or affiliation with them, and they should not be associated with my credit report or personal information in any way. 

The fraudulent items are as follows : XXXX XXXX XXXX BALANCED {$620.00}. 
XXXX XXXX XXXX BALANCED {$1400.00}. 
XXXX XXXX XXXX BALANCED {$730.00}. 
XXXX XXXX XXXX BALANCED {$3000.00}. 
XXXX XXXX XXXX BALANCED {$610.00}. 
XXXX XXXX XXXX BALANCED {$1100.00}. 
XXXX  XX/XX/2023.

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 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TN

Complaint narrative:
IMMEDIATE ACTION REQUIRED : Identity Theft Fraud Block - XXXX XXXX XXXX ( FCRA 605B ) To XXXX  : This is an urgent request under FCRA 605B ( 15 U.S.C. 1681c-2 ). I, XXXX XXXX XXXX, demand that you block the following fraudulent information from my credit report within 4 business days of receiving this complaint. This information is the direct result of identity theft and fraud.

The fraudulent accounts include : XXXX  : Collections account from XX/XX/year>, balance $ ( private ), linked to a personal loan. 

These are fraudulent collections appearing on my XXXX credit report, a copy of which is attached for your review. 

I did not open, authorize, or make any transactions on these accounts. They are entirely the product of identity theft and fraud. 

As proof, I've included my official FTC Identity Theft Criminal Complaint # ( private case number ). 

I expect these fraudulent items to be removed from my credit report immediately, as is my right 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 explanation