vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I disassociate myself from these accounts ; they must be removed within 15 days according to USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I AM LOOKING OVER MY CREDIT REPORT ON XX/XX/XXXX AND NOTICED THE INACCURACIES reporting of my XXXX  XXXX credit card account ( opened XX/XX/XXXX, closed XX/XX/XXXX ) because the information is inaccurate and inconsistent. I have filed disputes directly with XXXX  XXXX and the credit reporting agencies at least XXXX times, AND WITH CFPB XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, but the errors remain. 

Inaccuracies include : Payment History Misreporting Report shows 38 % of payments on time, but I have evidence of timely payments exceeding this. 

The account is incorrectly reported as 120+ days late, despite a {$0.00} balance and account closure. 

Times 30/60/90+ days late are reported as XXXX, which conflicts with my records. 

Incorrect Account Status and Remarks Account is marked derogatory even though the balance is {$0.00} and it was closed in good standing. 

The remark Settled less than full balance is false ; I paid the SETTLEMENT IN FULL Multiple dispute resolutions reported by grantor appear on the account without any corrections.

Incorrect Account Timeline Credit report states account age as XXXX yrs, XXXX mos, but it was open for only XXXX months. 

Supporting Evidence : Account closure statements Copies of all prior dispute letters and responses Requested Action : I request the CFPB to investigate and ensure that all inaccuracies are corrected or the account is removed from my credit report, as these repeated errors are harming my credit profile and are violations of the FCRA ( 15 USC 1681i & 1681s-2 ( b ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to properly reinvestigate and verify the accuracy and completeness of all information in my credit file as required under the Fair Credit Reporting Act ( FCRA ) 609 [ 15 U.S.C. 1681g ] and 611 [ 15 U.S.C. 1681i ].

Despite my written request for a full file reinvestigation, the bureau either failed to provide complete verification details or refused to confirm that the information reported was fully substantiated by the original furnishers. This noncompliance prevents me from confirming the accuracy of my own consumer file and violates my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report again and those inaccurate accounts are still there even after everything Ive done. I am extremely frustrated and begging for the documents I sent to be reviewed carefully so I can finally have peace of mind about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to conduct a lawful reinvestigation and verify the accuracy and completeness of the information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611.

I submitted a written request for a full file reinvestigation, yet the bureau did not provide the required verification, documentation, or proof that the reported information was confirmed by the original furnishers. This prevents me from validating the accuracy of my consumer file and constitutes 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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I. Summary of the Issue In XX/XX/year>, I pulled my credit report and discovered an unknown collection account placed by Amsher Collection. I have never received any notification of this debt from this company.

I immediately initiated the validation process to determine the legitimacy and accuracy of this debt, which remains unverified.

II. Violation of the Fair Debt Collection Practices Act ( FDCPA ) I mailed a formal written Debt Validation Request to Amsher Collection via Certified Mail.

In this letter, I explicitly requested : 1. Verification that the debt belongs to me.

2. Proof of the legal right of the collection agency to collect this specific debt.

3. An itemized, detailed breakdown of the alleged amount due.

Amsher Collection failed to respond to this certified request whatsoever. More than 30 days have elapsed since the receipt of my letter, and the company has provided XXXX documentation, proof, or itemization to substantiate this alleged debt. This failure to respond to a timely validation request is a direct violation of my rights under the FDCPA ( 15 U.S.C. 1692g ).

III. Violation of the Fair Credit Reporting Act ( FCRA ) - Failure to Conduct Reasonable Investigation Following the collection agency 's failure to provide validation, I submitted a dispute directly to the Credit Reporting Agency, XXXX providing supporting documentation ( copy of my certified validation letter ). 

XXXX returned the dispute as " verified '' and closed the matter. I promptly submitted a second dispute reiterating that the collection agency had not provided me with any validation or itemization. XXXX again closed the dispute, stating the debt was verified based on " certification '' from the collection company. 

This repeated action by XXXX constitutes a failure to conduct a reasonable investigation as required by the FCRA ( 15 U.S.C. 1681i ). A simple electronic " certification '' between XXXX companies, without providing the detailed, itemized proof explicitly requested by the consumer, does not meet the standard for a reasonable, good-faith reinvestigation, especially when the originating collector failed to comply with FDCPA validation requirements. The CRA is reporting an item they can not substantiate to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am unrelated to these accounts ; please remove them within 15 days under USC 1681g.

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 2025-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Io, Inc.
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX RE : Formal FCRA and FDCPA Dispute & Cease and Desist Demand Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ________________________________________ To Whom It May Concern, This letter serves as formal notice that XXXX XXXX XXXX XXXX disputes the above-referenced account being reported and/or collected by your company. This dispute is made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Under 15 U.S.C. 1681b, a consumers information may only be furnished if there exists a permissible purpose or written authorization from the consumer. XXXX XXXX has never provided any written consent or authorization allowing Receivables Management, or any affiliate, to obtain or report his personal information in relation to this alleged account. Therefore, this reporting and any associated collection activity appear unauthorized and unlawful.

Pursuant to 15 U.S.C. 1681i, you are hereby directed to conduct a reasonable investigation. If you can not produce verifiable documentation, specifically, a copy of XXXX XXXX signed written authorization or contract, you are required to delete this account immediately from your records and any consumer reporting agencies to which it has been furnished. 
You are also required to : 1. Provide written confirmation of your investigation results within 30 days of receipt of this notice.

2. Cease and desist all collection activity under 15 U.S.C. 1692c ( c ), including phone calls, mail correspondence, and electronic communications ; and 3. Remove all references to this account from any credit reports unless you can provide legally sufficient proof of written consent.

Failure to comply will constitute willful noncompliance and expose your company to civil liability under 15 U.S.C. 1681n, 1681o, and 1692k, including actual, statutory, and punitive damages, plus attorneys fees and costs.

Enclosed is an invoice in the amount of {$1000.00} for damages arising from your unlawful reporting activity and emotional distress caused. Payment or written confirmation of deletion within 30 days will resolve this matter amicably. Absent resolution, we reserve the right to initiate formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Virginia Attorney Generals Office, as well as pursuing civil action. 
Thank you for your prompt attention to this legal matter. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
b'I am filing this complaint against TransUnion for violations of the Fair Credit Reporting Act (FCRA), specifically their failure to conduct a reasonable reinvestigation of inaccurate tradelines and their refusal to provide proper Method of Verification (MOV) responses upon request. \n\nOn XXXX XXXX XXXX I submitted a formal general dispute regarding inaccurate tradelines appearing on my TransUnion credit report. The dispute letter included all required identifying information, was sent by certified mail, and was delivered successfully. (Tracking: XXXX XXXX XXXX XXXX XXXX XXXX) \n\XXXX XXXX XXXX XXXX, having received only a generic and unresponsive reply, I mailed a Method of Verification request as permitted under 15 U.S.C.  1681i(a)(6)(B)(iii), demanding that TransUnion disclose the name, address, and any documentation provided by the furnisher of information. (Tracking: XXXX XXXX XXXX XXXX XXXX XXXX) \n\nOn XXXX XXXX XXXX  after receiving another vague and noncompliant reply, I mailed a Final Demand letter reiterating my legal rights and warning of further escalation. (Tracking: XXXX XXXX XXXX XXXX XXXX XXXX) \n\nOn XXXX XXXX XXXX  I mailed a Final Legal Notice, giving TransUnion a 15-day deadline to fully comply with the FCRA or face legal and regulatory consequences. (Tracking: XXXX XXXX XXXX XXXX XXXX XXXX) \n\nTo date, TransUnion has failed to provide any legitimate documentation, verification source, or name and address of the furnisher as required by federal law. Their responses have consisted of boilerplate statements without substantiation, which does not meet the standards of a reasonable reinvestigation under 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 non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to properly reinvestigate and verify the accuracy and completeness of all information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611. 

I submitted a written request for a full file reinvestigation, but the bureau did not provide the required verification details or proof that the information was actually confirmed by the original furnishers. As a result, I am unable to validate the accuracy of my consumer file, which is 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 explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to conduct a proper reinvestigation and verify the accuracy and completeness of the information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611.

I submitted a written request for a full file reinvestigation, but the bureau did not provide the required verification, documentation, or proof that the information was confirmed by the original furnishers. Because of this, I am unable to determine whether the information being reported about me is accurate, which is 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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to conduct a lawful reinvestigation and verify the accuracy and completeness of the information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611.

I submitted a written request for a full file reinvestigation, yet the bureau did not provide the required verification, documentation, or proof that the reported information was confirmed by the original furnishers. This prevents me from validating the accuracy of my consumer file and constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to conduct a lawful reinvestigation and verify the accuracy and completeness of the information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611.

I submitted a written request for a full file reinvestigation, yet the bureau did not provide the required verification, documentation, or proof that the reported information was confirmed by the original furnishers. This prevents me from validating the accuracy of my consumer file and constitutes 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 explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian.com is allowing illegal and unlawful reporting to my credit profile

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