vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute a collection account that has been fraudulently opened or used in my name. I did not authorize this account or any transactions related to it. I became aware of this issue when I received a notice from a collection agency and I checked my credit report and found unfamiliar accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my THIRD attempt to resolve the fraudulent information on my credit report under FCRA 605B. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries.

You are LEGALLY REQUIRED to block these items within four business days of receipt : ACCOUNTS XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX  Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
Equifax Information Services XXXXXXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. 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 XXXX XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/scrub>XXXX Balance : {$38.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized account information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/XXXX I received an email notification that my chime credit builder account was closed due to my recent filing for bankruptcy and I would not be able to get a refund. This was late at night so I waiting till the morning to contact the institution. Upon contacting Chime, I was informed that my legal counsel who represented my bankruptcy would have to reach out in order to start any process of getting my funds returned. I received an email XX/XX/XXXX stating that I would in fact receive my refund and it was take 14 days to process but a physical check would be issued within 30 days. Upon the completion of 14 days, I called Chime the banking institution again to verify the status. I was told that I should be expecting a check by XX/XX/XXXX or XX/XX/XXXX. The morning of XX/XX/XXXX I called the institution again only to be told that my refund had not been processed. I requested to speak with a supervisor and he assured my that he would be escalating my issue to try and expedite my refund. The same day, XX/XX/XXXX I received and email saying once again that I was not eligible for a refund and to have my legal counsel reach out. I forwarded them the email from XX/XX/XXXX saying I would receive an email and asked what could have changed for them to now state that I would not receive my funds. There was a response that simply repeated I wouldnt be getting a refund and to have my legal counsel call. It is a total of {$840.00} that was taken from my account. It was direct deposited into that account from my monthly paycheck.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
Date : XX/XX/2025 To : Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute & Validation Request Demand for Permanent Deletion of Collection Accounts Dear Experian Dispute Department, I am writing to formally dispute and request the permanent deletion of the following collection accounts currently appearing on my Experian credit report, which I believe are either fraudulent, unverified, or not legally authorized to be reported : XXXX. XXXX XXXX {$580.00} XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX XXXX {$850.00} XXXX. XXXX XXXX XXXX {$1500.00} These accounts have not been properly validated, and I am demanding immediate removal under applicable federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Applicable Consumer Law Violations : 15 U.S.C. 1692g Debt collectors must provide proper validation of any alleged debt upon request. None has been provided.

15 U.S.C. 1692c ( c ) Once a consumer disputes a debt and revokes communication, the collector must cease collection and reporting until proper validation is received.

15 U.S.C. 1681i CRAs must delete unverifiable information within 30 days of a dispute.

15 U.S.C. 1681e ( b ) CRAs must ensure maximum possible accuracy ; continued reporting of unverified or incorrect data violates this statute.

31 U.S.C. 5118 Protects against the enforcement of debts that are not lawfully originated or substantiated with documentation.

Debt Validation Request : I am requesting the following debt validation documents for each of the accounts listed : 1. A signed contract or agreement showing I owe the alleged debt.

2. An itemized statement breaking down the total balance ( principal, interest, fees ).

4. A copy of the assignment contract transferring the account to the collector.

4. A Forward Flow Agreement confirming the collector 's legal right to report and collect.

5. Verification that each collector is in full compliance with Regulation F and the FDCPA.

My Formal Requests : Immediately delete all four accounts listed above from my Experian credit report.

Block re-insertion of these accounts unless fully validated under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide written confirmation of your reinvestigation and the actions taken.

If Experian fails to fully comply within the timeframe mandated by federal law, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and consider pursuing legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

Thank you for your immediate attention. 

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 2025-06-15 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: TX

Complaint narrative:
I am writing to dispute a collection account that has been fraudulently opened or used in my name. I did not authorize this account or any transactions related to it. I became aware of this issue when I received a notice from a collection agency and I checked my credit report and found unfamiliar accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I am filing this complaint because Spring Oaks Capital , LLC violated the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 3 ). I mailed them a written dispute on XX/XX/year>, which was delivered on XX/XX/year>. Despite this, they updated negative information about the account on my Experian credit report on XX/XX/XXXX, XXXX the dispute was still unresolved and without providing verification or marking the account as disputed. This is a clear violation of federal law, which prohibits furnishers from reporting information on a disputed account until the dispute has been fully investigated and resolved. I am requesting the immediate and permanent deletion of this account from Experian and any other credit bureaus to which Spring Oaks Capital furnished data. Supporting evidence is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: Experian Information Solutions Inc.
State: AL

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 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. 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 : XXXXXXXX XXXX XXXX XXXXXXXX AL XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$60.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$140.00XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX AUTO - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened XXXX XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX Date XXXX 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 2025-06-15 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: Experian Information Solutions Inc.
State: IL

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 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. 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 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 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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I lost my job due to medical issues in XXXX. I had over {$40000.00} in medical bills, so I filed for bankruptcy. It was XXXX in XXXX. This is on my credit report. I asked the court if they reported this to the Credit Bureau, and was told no, that they do not report to any agency. I have a letter from the court stating this, and I have tried to get this removed, and the credit reporting agency has ignored me. I didn't go out and buy things. My health and not having insurance put me in that spot. I was in a car accident on XX/XX/XXXX, and not my fault. Section 15 U.S. Code 1681- Congressional findings and statement of purpose states that information should be reported fairly and equitably to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lost my job due to medical issues in XXXX. I had over {$40000.00} in medical bills, so I filed for bankruptcy. It was XXXX in XXXX. This is on my credit report. I asked the court if they reported this to the Credit Bureau, and was told no, that they do not report to any agency. I have a letter from the court stating this, and I have tried to get this removed, and the credit reporting agency has ignored me. I didn't go out and buy things. My health and not having insurance put me in that spot. I was in a car accident on XX/XX/XXXX, and not my fault. Section 15 U.S. Code 1681- Congressional findings and statement of purpose states that information should be reported fairly and equitably to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
In XX/XX/XXXX, I received a debt collection letter from IQ Data International Inc. regarding an alleged account. Within the 30-day window, I mailed a written dispute and formal debt validation request. On a later recorded call, their representative confirmed they received my letter and even read parts of it back to me yet I was never provided with any debt validation as required under 15 U.S.C. 1692g ( b ).

Instead of complying, their representative was unprofessional, gaslighting me by insisting they werent obligated to send validation. They were rude, dismissive, and ultimately hung up on me after trying to pressure me into paying immediately, even though I repeatedly stated the debt was fraudulent and unverified. When I asked again for information about the debt, I was told they don't communicate over email and that they " already mailed validation '' which I never received. 

On XX/XX/XXXX, without ever validating the debt or responding meaningfully to my dispute, IQ Data reported the collection account to XXXX. This violates the FDCPA, as they were required to cease all collection and reporting activity until they verified the debt in writing. 

I then filed a dispute with XXXX, clearly explaining that no validation had ever been provided. Despite this, XXXX  refused to remove the tradeline, apparently relying solely on IQ Datas unverified claim. This does not constitute a reasonable investigation under FCRA 1681i, especially when I submitted clear evidence that no response was ever provided to me.

To this day, I have received no validation of the debt. IQ Data International Inc. and XXXX  are both violating federal consumer protection laws by continuing to report this account without meeting the obligations required under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. 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 XXXX FL XXXX ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) - ( UNKNOWN ACCOUNT ) ( XX/XX/XXXX ) ( {$4200.00} ) XXXXXXXX XXXX XXXX ( XXXX ) ( UNKNOWN ACCOUNT ) ( XX/XX/XXXX ( {$680.00} ) XXXX  ( XXXX ) ( UNKNOWN ACOOUNT ) ( XX/XX/XXXX ) ( {$710.00} ) XXXX ( XXXX ) ( UNKNOWN ACCOUNT ) ( XX/XX/XXXX ) ( {$1100.00} ) XXXX ( XXXX ) ( UNKNOWN ACCOUNT ) ( XX/XX/XXXX ) ( {$1000.00} )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: NY

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) - ( UNKNOWN ACCOUNT ) ( XX/XX/XXXX ) ( {$4200.00} ) XXXXXXXX XXXX XXXX ( XXXX ) ( UNKNOWN ACCOUNT ) ( XX/XX/XXXX ( {$680.00} ) XXXX  ( XXXX ) ( UNKNOWN ACOOUNT ) ( XX/XX/XXXX ) ( {$710.00} ) XXXX ( XXXX ) ( UNKNOWN ACCOUNT ) ( XX/XX/XXXX ) ( {$1100.00} ) XXXX ( XXXX ) ( UNKNOWN ACCOUNT ) ( XX/XX/XXXX ) ( {$1000.00} )

Company response to consumer: Closed with explanation