vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To Whom It May Concern, I am writing to formally request the removal of all dispute-related comments and dispute codes from my credit file for all accounts that have been marked with dispute language within the past 24 months.

This includes, but is not limited to, any notations such as : " Consumer disputes this account information '' " Account in dispute under Fair Credit Billing Act '' " Dispute resolved; consumer disagrees '' " Meets FCRA requirements '' Any other dispute code or notation currently associated with any tradeline on my credit report I am no longer disputing any of the previously challenged accounts and request that you update my file to reflect that there are no active or prior disputes. This request is being made to ensure the accuracy and completeness of my consumer file and to avoid any future confusion, misrepresentation, or the risk of disputes being marked as frivolous or duplicative. 

Please confirm in writing once this update has been completed. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to maintain accurate and up-to-date credit reporting. 

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

Sincerely, 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 2025-07-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Please send me documentation with proof of my signature showing that I in fact applied with this creditor otherwise remove this 1 unverifiable inquiry from my credit report. XXXX XXXXXXXX XXXX  : XX/XX/year>. In addition, I didn't give you permission ( Transunion ) too furnish this information on my credit report which is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is a serious breach of my rights.

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 2025-07-15 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: MD

Complaint narrative:
Account Name : XXXX XXXX XXXXXXXX. 
Account XXXX : XXXX Your records show this account was still being marked as a charge-off every month from XX/XX/XXXX to XX/XX/XXXX, even though it was already settled and closed for less than the full balance. Once an account is settled, it should no longer keep showing new charge-offs each month doing so is inaccurate and misleading, and it's known as re-aging, which isnt allowed under the law. 

According to the Fair Credit Reporting Act ( FCRA ) : Lenders aren't allowed to report information they know ( or should know ) is wrong. 

Credit bureaus must check and correct anything thats incomplete or incorrect if it's disputed. 

Right now, youre showing over XXXX years of charge-offs after the account was settled, which unfairly hurts my credit score and doesnt reflect the true status of this account. Unless XXXXXXXX XXXX can prove this reporting is accurate with real documentation, it should be corrected or removed completely from my credit report. 
Attached is a copy of my recent credit report.

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 2025-07-15 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: MD

Complaint narrative:
Account Name : XXXX XXXX XXXXXXXX. 
Account XXXX : XXXX Your records show this account was still being marked as a charge-off every month from XX/XX/XXXX to XX/XX/XXXX, even though it was already settled and closed for less than the full balance. Once an account is settled, it should no longer keep showing new charge-offs each month doing so is inaccurate and misleading, and it's known as re-aging, which isnt allowed under the law. 

According to the Fair Credit Reporting Act ( FCRA ) : Lenders aren't allowed to report information they know ( or should know ) is wrong. 

Credit bureaus must check and correct anything thats incomplete or incorrect if it's disputed. 

Right now, youre showing over XXXX years of charge-offs after the account was settled, which unfairly hurts my credit score and doesnt reflect the true status of this account. Unless XXXXXXXX XXXX can prove this reporting is accurate with real documentation, it should be corrected or removed completely from my credit report. 
Attached is a copy of my recent credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
There is an unauthorized inquiry on my credit report for which no signed consent was ever provided. I never gave permission for this entity to access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AZ

Complaint narrative:
I respectfully request the removal of a collection account listed on my credit file which I did not create, authorize, or agree to. I am not responsible for this debt, and its presence is the result of erroneous or fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
FINAL NOTICE Debt Validation Request, Cease & Desist, and Judgment-Proof Status To Whom It May Concern : This letter is a formal notice and final demand for validation of the above-referenced account. I dispute the accuracy and validity of this debt under my rights outlined in the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681.

You are hereby notified of the following : 1. Debt Validation Demand Within five ( 5 ) business days, you are required to provide all of the following : A copy of the original signed contract or agreement bearing my signature ; An itemized statement breaking down the total balance claimed ( principal, interest, fees, etc. ) ; A copy of the assignment contract or bill of sale between your company and the original creditor proving that CCS has the legal right to collect this alleged debt ; The name and full contact information of the original creditor ; Proof of licensing and authorization to collect debts in the state of Florida. 
A billing statement or internally generated document is not sufficient under federal law. 

2. Cease and Desist Until and unless you provide full validation as required by federal law, you are hereby instructed to CEASE AND DESIST from any further collection activity, including reporting to credit bureaus, calling, or sending correspondence.

3. Judgment-Proof Notice I also formally notify you that I am currently judgment proof due to my limited financial situation and being on public assistance. Pursuant to federal and Florida law, any attempt to sue or pursue collection against a person in this position may be viewed as harassment and bad faith collection. 

4. Legal Consequences Failure to comply with this request will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), Complaints with the Florida Attorney General, Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX XXXX XXXX, Consideration of legal action for violations of FDCPA and FCRA, which may include monetary damages, court costs, and attorneys fees.

If you can not fully validate this account within 5 days, this debt must be removed from all credit bureaus immediately and collection efforts must cease permanently. 

A mere billing statement, screen print, or verification from your own records does not satisfy federal requirements. 

If you can not supply the documentation above within XXXX business days, you must : Cease all collection activity, Delete this account from every consumerreporting agency XXXX XXXX XXXX XXXX XXXX  and Provide written confirmation to me that the account has been removed. 

You have been formally notified. Please govern yourself accordingly. 

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 2025-07-15 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:
b'Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-15 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
b'I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act (FCRA), 15 U.S. Code  1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports.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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
b'I am submitting this complaint in accordance with my rights under the Fair Credit Reporting Act (FCRA), 15 U.S. Code  1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports.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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-15 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 am filing this complaint to report Experian 's failure to correct inaccurate and conflicting information regarding a closed credit account reported by XXXX XXXX XXXX 

On XX/XX/XXXX, and again on XX/XX/XXXX, I submitted written disputes to Experian regarding this account. In both instances, I advised Experian that the credit file contains contradictory information. Specifically : Experian reports the last payment on the XXXX XXXX account as XX/XX/XXXX. 

However, Experian also reports the account remained active into XXXX, with activity showing through XX/XX/XXXX, and an account closure date of XX/XX/XXXX. 

These data points directly contradict one another. A last payment in XX/XX/XXXX can not be accurate if the account remained active, showed transactions, and was not closed until XX/XX/XXXX. This discrepancy renders the information incomplete and inaccurate, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my disputes, Experian has failed to conduct a reasonable reinvestigation under 15 U.S.C. 1681i, and continues to report this erroneous data. Furthermore, Experian is in violation of 15 U.S.C. 1681e ( b ) for failing to follow reasonable procedures to ensure maximum possible accuracy in its reporting. 

To date, Experian has not provided any supporting documentation from XXXX XXXX XXXX account ending in XXXX ) to verify or reconcile this inconsistency, nor have they corrected or removed the inaccurate entry from my report. 

I respectfully request that the Consumer Financial Protection Bureau investigate Experians noncompliance with the FCRA and compel them to Delete the XXXXXXXX XXXX  account from my credit file entirely.

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 2025-07-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: DE

Complaint narrative:
I am demanding that you remove these fraudulent items immediately.

These accounts must not continue to be reported on my consumer file, as their presence is a clear violation of my rights. According to 15 U.S. Code 1681b, consumer reporting agencies may only disclose a consumer report under strictly limited conditions primarily, with the consumers written authorization.

I want to make it very clear : I have never provided written consent for any agency to furnish or report these accounts. Absent my written permission, the reporting of this information constitutes an additional violation of my federally protected rights, and further acts of identity theft.

Accordingly, I am formally insisting that all such accounts be deleted immediately from my consumer report. Continued noncompliance will be regarded as willful negligence and may be pursued through legal and regulatory channels. 
This matter requires your immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Keynote Consulting, Inc.
State: MT

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally dispute this debt and request full validation of your claim. Under federal law, you are required to cease all collection activities until you provide adequate verification of the alleged debt.

Request for Verification : Under 15 U.S.C. 1692g ( b ), you must provide : 1.Proof of your legal standing to collect this debt, including a valid assignment or chain of title demonstrating ownership of the debt from the original creditor to your agency.

2.A full itemization of the alleged debt, including principal, interest, fees, and all charges. 
3.Copies of any contracts or agreements bearing my signature that establish my liability for this alleged debt.

4.Proof that the original creditor did not receive any insurance payment, government relief, or tax write-off that nullifies the debt under case precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy, a tax write-off or government bailout ), then the alleged obligation may have been extinguished. Courts have held that a party can not seek double recovery for the same loss, as seen in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Additionally, if the debt has been securitized and sold as part of an asset-backed security, the original creditor may no longer have a valid claim, as illustrated in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which supports the principle that the note and security instrument can not be separated. 

Creditor Accepted payment. Account already discharged : The alleged debt was already paid and discharged by the alleged creditor. Please cease all collection activity. 

Cease and Desist Notice : Under 15 U.S.C. 1692c ( c ), I demand that you immediately cease all collection efforts until you fully validate the debt. Failure to provide verification within 30 days will constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and I reserve my right to file complaints with the Consumer Financial Protection Bureau XXXX CFPB ), the Federal Trade Commission XXXX FTC ), and my State Attorney Generals Office. 

KEYNOTE CONSULTING 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