vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: World Acceptance Corporation
State: LA

Complaint narrative:
I am writing to formally request validation of the debt collection account reported on my credit report under the Fair Credit Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe this debt may be inaccurate and I am invoking my rights under federal law to verify the accuracy and legitimacy of this information. 
Under Section 809 ( b ) of the FDCPA. I am entitled to request validation of any debt a collector attempts to collect including requiring the original creditor to provide a full accounting of the debt. Additionally, as per the FCRA Section 611 ( a ) credit reporting agencies are obligated to verify and substantiate information they report ensuring it is accurate, complete, and fair. 

Please provide the following such as Verification of the debt, including the name of the original creditor, amount owed, and any associated contract or agreement proving my obligation to pay.

A comprehensive itemization of how the debt amount was calculated.

Copies of any documents that show I agreed to pay the creditor for this debt.

Evidence that you have investigated this account as mandated by FCRA and FDCPA, including any records of communications with the debt collector.

In the event that you can not validate this debt with the requested information, I respectfully request that the collection account be removed from my credit report as per section 611 ( a ) of the FCRA. Please send written confirmation that this account has been deleted. 


Thank you for addressing this matter promptly. I expect a response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MN

Complaint narrative:
I am filing this complaint against Equifax and TransUnion for continuing to report a collection account from XXXX XXXX ( Acct # XXXX ), related to XXXX XXXXXXXX XXXX, despite the fact that the debt has never been validated and the reporting is inaccurate. 

According to the credit bureaus, the account was assigned to XXXXXXXX XXXX on XX/XX/XXXX. However, my husband and I vacated the property in XX/XX/XXXX, and we never received a final billing statement, breakdown of charges, or any notice of an outstanding balance from either the original creditor or the collection agency. 

The first time we became aware of the account was through our credit reports. Since then, I have sent five separate written requests for validation, none of which received any response. My most recent letter was sent via certified mail on XX/XX/XXXX ( Tracking # XXXX ) and is still marked in transit and delayed by USPS. However, earlier requests were also ignored. 

Despite this, both Equifax and TransUnion verified the account without providing any supporting documentation. I have never been shown proof that the debt is valid, that I was properly notified, or that the collection agency has the legal authority to report it. 

In addition, the account is listed with an estimated removal date of XX/XX/XXXX, implying a Date of First Delinquency ( DOFD ) of XX/XX/XXXX. This is incorrect we vacated the property in XX/XX/XXXX, and no delinquency was documented or communicated. This strongly suggests re-aging, which violates the Fair Credit Reporting Act ( FCRA ).

I am requesting : Immediate removal of this account from both Equifax and TransUnion credit reports Attached are all relevant dispute letters, tracking documentation, and supporting evidence showing my attempts to resolve this matter prior to filing this complaint.

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 2025-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXX  - Date XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kikoff Inc.
State: LA

Complaint narrative:
I am writing to formally request validation of the debt collection account reported on my credit report under the Fair Credit Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe this debt may be inaccurate and I am invoking my rights under federal law to verify the accuracy and legitimacy of this information.

Under Section 809 ( b ) of the FDCPA. I am entitled to request validation of any debt a collector attempts to collect including requiring the original creditor to provide a full accounting of the debt. Additionally, as per the FCRA Section 611 ( a ) credit reporting agencies are obligated to verify and substantiate information they report ensuring it is accurate, complete, and fair.

Please provide the following such as Verification of the debt, including the name of the original creditor, amount owed, and any associated contract or agreement proving my obligation to pay.

A comprehensive itemization of how the debt amount was calculated.

Copies of any documents that show I agreed to pay the creditor for this debt.

Evidence that you have investigated this account as mandated by FCRA and FDCPA, including any records of communications with the debt collector.

In the event that you can not validate this debt with the requested information, I respectfully request that the collection account be removed from my credit report as per section 611 ( a ) of the FCRA. Please send written confirmation that this account has been deleted.

Thank you for addressing this matter promptly. I expect a response within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American express has a complaint on XX/XX/XXXX about me. I challenged it about the original address on the complaint was not mine due to fact that I never lived there. 
XX/XX/XXXX did the challenge, but didnot challenge the address not being mine as well as the account. 
XXXX XX/XX/XXXX, and two others are the same way with the addess not being mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
I HAVE BEEN AFFECTED BY THE XXXX  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.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX 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. 

SELF FINANCIAL/LEAD BA # 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE 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.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I paid off my mortgage in XXXX. XXXX XXXX reported that I missed my mortgage over 120 days which dropped my credit score XXXX points after my mortgage was already paid off and my account was closed. Mind you I had to follow up with them several times because when initially I called to pay off my mortgage, the money was placed in limbo. It was not applied to my account for over a week, money that I couldve been earning interest on that I was never reimbursed for

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 2025-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MA

Complaint narrative:
I have a inquiry from a XXXX  I never heard of this company nor did I ever file for credit with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
I was reviewing a copy of my XX/XX/XXXX credit report and discovered it contained some errors pertaining to my Addressand I am requesting that you promptly INVESTIGATE and UPDATE the Address that I never resided and may possibly be listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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 BY THE 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. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
This formal complaint is being submitted in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to demand that Experian immediately block and permanently delete the following accounts from my consumer credit file. These entries are the result of identity theft and are inaccurately associated with me. As required by law, action must be taken within four business days of receiving this dispute. 

The following accounts were fraudulently opened and reported : A buy now, pay later account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$300.00} A second XXXX XXXX account opened on XX/XX/XXXX, with a balance of {$760.00} An auto loan account witXXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$2000.00} A credit card with XXXX XXXX XXXX XXXX XX/XX/XXXX, with a balance of {$0.00} A credit account with XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, with a balance of {$2000.00} A finance account with XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, with a balance of {$4400.00} A student loan reported by XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, with a balance of {$140000.00} A third collection account with XXXX XXXX XXXX opened XXXX XX/XX/XXXX, with a balance of {$610.00} Pursuant to FCRA Section 611 ( 15 U.S.C. 1681i ), I am also disputing the accuracy and legitimacy of each of these accounts. I demand a full reinvestigation and require that Experian provide the specific method of verification used for each entry, as well as any original application records or physical documentation relied upon to confirm their accuracy. Failure to supply this evidence constitutes XXXX XXXX fraudulent reporting and mandates removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs.

The account do not belong to me, as they are fraudulent. The banks have agreed to remove this account from my records. Im confused why you still feel theyre reporting accurately. Please see this accounts is fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXXXXXX XXXX  XXXX * *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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 was reviewing a copy of my XX/XX/XXXX credit report and discovered it contained some errors pertaining to my Addressand I am requesting that you promptly INVESTIGATE and UPDATE the Address that I never resided and may possibly be listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TX 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