vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: NC

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 identity 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 $ 1681c-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 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 2025-09-04 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: VA

Complaint narrative:
Contacted company and asked for company and the federal credit bureaus to provide legal documentation with WILLIAMS RUSH & ASSOCIATES no information or documentation was provided. The credit bureaus could not confirm when and how information was verified by law under 15 USC-1681s -2b. Also no investigation information under law15 USC 1681 ( i ) was provided.

Account Name WILLIAMS RUSH & ASSOCIAT Account Number XXXX Account Type Collection Date Opened XX/XX/year> Collection account. 
{$1000.00} past due as of XX/XX/year>.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
b'To Whom It May Concern: I am writing to update/correct my personal\ninformation on file with your company. Please update my address to: XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to: XXXX XXXX XXXX XXXX  My only social security number is: XXXX  My only and correct date of birth is: XXXX I do not wish to have any telephone numbers on my report. Below are the negative\naccount/accounts impacting my credit.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
Kohn Law firm, XXXXXXXX XXXX has been garnishing my paychecks since XXXX and XXXX. When I received the letter stating that my account was in garnishment I called immediately. I spoke with XXXX on XX/XX/XXXX. I repeatedly asked her if I could pay off the amount now and she told me I could not. I explained that I was a school bus driver and would only be employed another couple of months and wanted to pay this off today. Again, she said I could not. Since that time they have garnished my paychecks, adding fees and interest. In XXXX I received another letter stating that I owed More than the original, even with the {$700.00} they had taken out of my checks. I called on XX/XX/year> and I spoke with XXXX. He told me that I should have been able to pay it off when I first walked in XXXX. Since then, I have been in communication with XXXX. She has been absolutely no help. She told me today that they listened to my conversation with XXXX and since I didn't ask to pay the balance only the settlement I could not have. That is a lie! I never stated I wanted to pay anything besides the TOTAL! This has caused much stress and anxiety for me and my husband. I am looking to sue them but slso report them for false statements and means to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint to dispute a recent credit limit decrease on my Citi bank Credit Card, based on inaccurate or compromised data reported by TransUnion. 

On or around XX/XX/year>, I was notified that my citi bank credit limit had been reduced. After contacting customer service, I was informed that this action was due to information received from XXXX, XXXX of the major credit reporting agencies. 

However, XXXX  has publicly disclosed a data breach that occurred on XX/XX/year>, which may have compromised the accuracy or integrity of consumer credit data, including mine. I believe this breach may have directly contributed to inaccurate reporting that led to the reduction in my credit limit. 

I contacted Citi bank to explain the situation and requested a manual review or reconsideration of my credit limit, given the circumstances. Despite my request and explanation of the XXXX  breach, I was told that they are unable to manually reinstate my credit limit and I must wait 30 days. 

This is unfair and harmful, as : I maintain a good payment history. 
I was not given an opportunity to provide updated or corrected information.

The action taken may have been based on compromised credit data. 
My credit utilization ratio and score are negatively impacted by the limit decrease.

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 2025-09-04 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 identity theft. Accounts were fraudulently opened in my name without my knowledge, authorization, or consent. 

Specifically : An account with XXXX XXXX was reported under my credit file that I did not open and have never had any association with. 
A XXXX credit card account was also fraudulently opened in my name. I did not apply for or authorize this account, and I have never used it. 

I first became aware of these fraudulent accounts when reviewing my credit report. These accounts are the result of identity theft, and I am not responsible for any balances, charges, or activity associated with them. 

I am requesting that these fraudulent accounts be removed from my credit report and that I am not held liable in any way. 

I have already begun taking steps to protect myself, including filing this FTC Identity Theft Report, disputing the accounts with the credit bureaus, and requesting that creditors block and delete this information under my rights provided by the Fair Credit Reporting Act ( FCRA 605B ). 

I declare that this statement is true and accurate to the best of my knowledge. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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 identity theft. Accounts were fraudulently opened in my name without my knowledge, authorization, or consent. 

Specifically : An account with XXXX XXXX was reported under my credit file that I did not open and have never had any association with. 
A XXXX credit card account was also fraudulently opened in my name. I did not apply for or authorize this account, and I have never used it. 

I first became aware of these fraudulent accounts when reviewing my credit report. These accounts are the result of identity theft, and I am not responsible for any balances, charges, or activity associated with them. 

I am requesting that these fraudulent accounts be removed from my credit report and that I am not held liable in any way. 

I have already begun taking steps to protect myself, including filing this FTC Identity Theft Report, disputing the accounts with the credit bureaus, and requesting that creditors block and delete this information under my rights provided by the Fair Credit Reporting Act ( FCRA 605B ). 

I declare that this statement is true and accurate to the best of my knowledge. 

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 2025-09-04 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: FL

Complaint narrative:
Equifax is reporting a collection account from XXXX XXXX XXXX that does not belong to me. This account is the result of identity theft, and I have already provided the required documentation under the FCRA Identity Theft Block ( 15 U.S.C. 1681c-2 ). Despite this, Equifax continues to report the account, which is a clear violation of my rights. I am requesting immediate deletion of this fraudulent account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
This is XXXX XXXX, i am a human and this is my complaint. Do not close this complaint as this is imperative to my life!

This is a Qualified Written Request under RESPA ( 12 U.S.C. 2605 ( e ) ) and a formal CFPB complaint regarding XXXX failure to maintain accurate credit reporting and to provide verifiable documentation regarding the alleged debt. 

As of my most recent XXXX credit report ( screenshot attached ), XXXX is reporting inconsistent and inaccurate information to the credit reporting agencies : XXXX  : Account Status Derogatory / Foreclosure ( last reported XX/XX/year> ). 

Equifax : Account Status Paid ( last reported XX/XX/year> ). 

XXXX  Payment History : Reflects Foreclosure/ 120+ Days Late despite {$0.00} balance.

Equifax Payment History : Reflects OK across all months with no late status. 

This is contradictory, misleading, and materially impacts my creditworthiness. A single account can not simultaneously be reported as foreclosed/derogatory and paid/settled. 

Pursuant to RESPA and the FCRA ( XXXX XXXX. XXXX, XXXX ), I demand that XXXX provide the following within the statutory timeframe : Complete accounting ledger of all payments, charges, interest, escrow transactions, and insurance entries from the date of origination to closure. 

Copy of the original FHA Note and Mortgage/Deed of Trust with full endorsements and assignments.

All assignments, transfers, pooling and servicing agreements, and custodial certifications showing ownership and authority to report the debt. 

Records of foreclosure activity including notices, filings, auction documents, and deficiency/settlement details. 

Proof of authority to furnish credit information to XXXX  and Equifax after the account balance was reported as {$0.00}.

Method of credit reporting verification supplied to XXXX  and Equifax showing why the same account is reflected differently across bureaus.

This complaint and request are made in good faith. I expect acknowledgment within 5 business days and a full response within 30 business days as required by RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I have discovered a collection entry from your agency on my credit file that was reported without any prior notification or communication regarding this alleged debt. This collection listing raises significant concerns about its accuracy and validity, as I have no documentation or memory of being properly informed about this matter before it appeared on my credit report. Under the Fair Debt Collection Practices Act, I am exercising my legal right to request complete debt validation, including verification of the original creditor, account history, and the specific amount being claimed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am responding to your claim that I owe a debt. This letter is being sent in response to your communication added to my credit report with a balance of {$100.00}. This is showing as a collection. I am requesting that you provide validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, please provide the following : 1. The name and address of the original creditor.

2. The amount of the alleged debt, including an itemized breakdown of fees, interest, and payments applied.

3. Documentation proving that I am legally obligated to pay this debt.

4. A copy of the agreement that shows I agreed to assume this debt.

5. Proof that your agency has the legal right to collect on this debt in my state.

Please be advised that until you provide the requested validation, you must cease all collection activity, including reporting this debt to any credit bureau, as required by the FDCPA.

If you fail to provide proper validation, or if you continue collection efforts without doing so, I will consider this matter closed and will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney Generals office. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 reported to be removed/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. 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!

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 2025-09-04 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: LA

Complaint narrative:
sudden link acc XXXX balance XXXX is not my account i needs to be taken off my credit report unverified

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
I have discovered a collection entry from your agency on my credit file that was reported without any prior notification or communication regarding this alleged debt. This collection listing raises significant concerns about its accuracy and validity, as I have no documentation or memory of being properly informed about this matter before it appeared on my credit report. Under the Fair Debt Collection Practices Act, I am exercising my legal right to request complete debt validation, including verification of the original creditor, account history, and the specific amount being claimed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion on my credit file. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these fraudulent accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and create financial obligations that are not legitimately mine. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family, while also subjecting me to ongoing harassment from debt collectors for accounts I never opened or authorized.

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 2025-09-04 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion on my credit file. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these fraudulent accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and create financial obligations that are not legitimately mine. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family, while also subjecting me to ongoing harassment from debt collectors for accounts I never opened or authorized.

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