vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Urgent Request Repeated Verification Submitted, Still No Action on Credit Dispute Dear XXXX  Dispute Department, I am writing to express serious concern regarding my pending dispute ( s ) with your agency. I have submitted my full identity verification documents twice, yet I continue to receive requests asking for the same documents, and no action has been taken on the dispute ( s ) I filed. 

Summary of the Situation : Name : XXXX A XXXX Date of Birth : XX/XX/XXXX Dispute Submitted On : XX/XX/XXXX and XX/XX/XXXX Verification Sent : XX/XX/XXXX and XX/XX/XXXX Despite fulfilling all verification requirements, XXXX  has failed to initiate or complete the dispute investigation within the 30-day period required by the FCRA ( 15 U.S.C. 1681i ).

I am requesting that : 1. You escalate this issue to a supervisor or compliance officer ; 2. You provide a written explanation for the delay or rejection of my previous identity verifications ; 3. You immediately begin investigating the disputed items listed in my original dispute ( s ).

Please consider this letter as a formal complaint and escalation request, and if no resolution is provided within 15 business days, I will be filing complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office I expect your immediate attention to this matter and a written response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I am filing this formal complaint against Credit Collection Services ( CCS ) concerning an alleged debt in the amount of {$64.00}, which they have reported to the consumer reporting agencies ( CRAs ). 

Key issues : Failure to Validate Debt Under 15 U.S.C. 1692g ( b ) ( FDCPA ) : I requested complete validation of this alleged debt from CCS. They failed to provide sufficient documentation proving : That I owe this debt. 

That CCS has the legal standing to collect it. 

A complete accounting from inception to charge-off. 
This violates the Fair Debt Collection Practices Act ( FDCPA ). 

Reporting Inaccurate/ Unverified Information in Violation of 15 U.S.C. 1681s-2 ( b ) ( FCRA ) : Under the Fair Credit Reporting Act, furnishers have a duty to report only accurate, verifiable information and must conduct a reasonable investigation upon notice of dispute. CCS continued reporting this account to the CRAs without proper investigation or proof. 

Violation of Case Law Principles : Courts have consistently held that reporting a debt without sufficient investigation into its accuracy violates consumer protection statutes. ( See XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX. XXXX XX/XX/XXXX ) ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) ). 

Reckless Damage to My Consumer Credit Profile : The continued reporting of this unvalidated, disputed debt has negatively impacted my creditworthiness, resulting in harm and potential denial of credit opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX, XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX, XXXX - XX/XX/XXXXXXXX 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 2025-07-10 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: OH

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
I am writing to formally request a reinvestigation and full verification of the accounts listed below, as they are reporting with multiple potential inaccuracies and/or inconsistencies across your system. Some of these accounts were previously disputed over 60 days ago with no meaningful resolution or verification provided.

In accordance with the Fair Credit Reporting Act ( FCRA ) 611 and 609 ( a ) ( 1 ), I am exercising my right to request that you : Investigate and verify the accuracy, completeness, and reporting basis for each item.

Provide me with the name, address, and method of verification used to validate the continued reporting.

Remove any account which can not be fully verified and validated with original source documentation.

Furthermore, under FACTA, any information that can not be substantiated must be removed. Re-reporting previously disputed information without proper reinvestigation constitutes continued violation of federal law under 623 of 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
Consumer complaint received 2025-07-10 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their 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 2025-07-10 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am writing to dispute and request the immediate removal of a fraudulent collection account listed on my XXXX XXXX XXXX credit report. The account is reported by LVNV Funding LLC, opened in XX/XX/year>, and is not authorized by me. I am a victim of identity theft, and this account was opened without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/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 2025-07-10 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:
These entries are fraudulent and do not reflect my activity. As per USC 1681g, I am requesting that they be removed from my credit report within 15 days. Enclosed are the relevant documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Investigator, I am filing this formal complaint against Equifax Information Services LLC for their continued reporting of inaccurate, unverifiable, and misleading information on my credit report. Despite my written dispute and clear identification of the accounts in question, Equifax has failed to correct or remove the following tradelines, which are in direct violation of the Fair Credit Reporting Act ( FCRA ), including 1681i, 1681e ( b ), and 1681s-2. 

I submitted a formal dispute requesting reinvestigation of the following accounts : XXXX XXXX # XXXX Issue : Late payment reported on a {$25.00} balance with no proof or billing statements to support the delinquency. I was never notified of the missed payment. This violates FCRA 1681i and Metro 2 reporting standards. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Charge-off of {$11000.00} is reported with no itemized billing, validation, or proof of delinquency. No notice was ever sent, violating my right to proper verification under FCRA 1681e ( b ) and FDCPA 809. 

XXXX XXXXXXXX XXXX XXXXXXXX Issue : Charge-off reported with inconsistent balances and no supporting documentation. I never received notice of charge-off, and Equifax has failed to validate this tradeline. This is in violation of FCRA 1681s-2 ( b ). 

XXXX XXXX XXXXXXXX * Issue : Charge-off of {$2600.00} has been listed without any proof of debt validation. No communication was ever received from the creditor, and I have not received a debt validation letter as required. This violates FCRA XXXX and FDCPA XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX Issue : This charge-off account shows inconsistencies in the delinquency timeline and balance reporting. No proper documentation was ever provided to support its accuracy. This tradeline should not remain without full validation. 

Despite my timely dispute and my request for a fair reinvestigation under FCRA, Equifax has either ignored the dispute or responded without verifying the accounts with appropriate documentation. This is a breach of their duty under FCRA 1681i to conduct a reasonable reinvestigation and remove unverifiable information. 

These accounts are causing serious harm to my credit score, limiting my financial opportunities, and creating unnecessary emotional and economic stress. Equifax has demonstrated disregard for the legal obligations imposed upon them under federal law and Metro 2 reporting guidelines.

Relief Requested : Immediate deletion of all inaccurate and unverifiable items listed above.

Written confirmation of the investigation results and actions taken.

Assurance of future compliance with FCRA and Metro 2 standards. 

Thank you for your attention to this matter. I am seeking your help to hold Equifax accountable for their noncompliance with federal law and ensure my consumer rights are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CT

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-10 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: VA

Complaint narrative:
I am writing to formally demand immediate acion regarding the fraudulent information on my credit report. I was a victim of the Equifax Data breach, during which my personal information was compromised and subsequently used without my knowledge or consent. Despite sending multiple dispute letters, including FTC Identity Theft Report, a signed affidavit, documentation confirming my involvement in the breach, and a detailed dispute letter, the erroneous account remains on my report. I explicitly demanded that this matter be resolved and the account removed within four ( 4 ) business days- a deadline that has been blantly ignored. This continued inaction is unacceptable, negligent, and a violation of my rights. All supporting documentation is attached below, and I expect immediate correction of this mattr without further delay.

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX XXXX XXXX Date : XX/XX/XXXX Affirm Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Dear Sir/Madam, I am writing to dispute the Affirm Inc. account listed under my name with account number XXXX, which I believe contains inaccurate information. I have reviewed my credit report and do not recognize this account or its associated charges. 

The details of the account in question are as follows : Account Number : XXXX Balance : {$260.00} ( charged off ) Date Opened : XX/XX/XXXX Original Balance : {$240.00} Status : Charged off as of XX/XX/XXXX Payment History : Charge-offs reported for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX I have no knowledge of this account and believe it may be inaccurately reported. Therefore, I respectfully request that you : Investigate the account, verify its accuracy, and provide evidence showing that I opened this account. 

Provide supporting documentation, including the original application, signed agreement, or any transaction details that verify my responsibility for this account. 

Remove the account from my credit report if it can not be verified or proven to be accurate. 

Under 15 U.S.C. 1681, I am entitled to dispute inaccurate or incomplete information on my credit report. If you can not verify this account as accurate, I request that it be removed from my credit report immediately. 

Please provide the results of your investigation in writing within 30 days of the date of this letter. If the account is found to be unverifiable, I expect it to be corrected or deleted from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, [ Your Full Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 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 2025-07-10 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: FL

Complaint narrative:
In XX/XX/XXXX, I mailed a formal dispute letter to Experian regarding the reporting of a XXXX XXXX credit card account that was charged off in XX/XX/XXXX. The account has a balance of {$18000.00} and was closed by the credit grantor. In my letter, I outlined several issues with how the account was being reported, including the following : Monthly " CO '' ( charge-off ) notations were being reported for every month from XX/XX/XXXX through XXXX, which violates Metro 2 formatting guidelines. A charge-off should only be reported oncenot repeatedly. 

The full balance was listed as past due, which is misleading since a charged-off account is no longer considered active or in billing. 

The Date of First Delinquency ( DoFD ) was not clearly disclosed, which is required under the Fair Credit Reporting Act ( FCRA ) to determine when the account should be removed from the credit file. 

The payment history included ongoing {$0.00} payments being reported for years after the charge-off, giving the false impression of continued delinquency. 

On XX/XX/XXXX, I received a reinvestigation response from Experian. The account remained unchanged, and no explanation or supporting documentation was provided regarding how the data was verified. Experian simply confirmed the existing information without addressing the factual inaccuracies or providing the DoFD as required. 

I am requesting that Experian either correct the account to reflect accurate, compliant reportingor delete the tradeline entirely due to repeated noncompliance with FCRA and Metro 2 standards.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief