vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: LA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SSN ( Last 4 ) : XXXX DOB : XXXX Phone : @ XXXX ) XXXX Emait : XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX RE : FCRA Dispute - lncorrect Reporting of Creditor lnformation & Dates To Whom lt May Concern, I am writing to dispute the reporting of the account listed under Caine & Weiner on my credit report. This account contains muttipte inaccuracies. 
Caine & Weiner is not the original creditor, yet the report faits to property identify the originat creditor as required. 
This vio [ ates :. FCRA S 607 ( b ) - Maximum possibte accuracy. FCRA S 611- Right to dispute inaccurate information. FDCPA S 807 ( 2XA ) - Prohibits fatsety representing the character, amount, or tegal.

status of a debt Furthermore, the dates associated with this account are being repofted incorrectty, inctuding ( check at [ that appty ) :. XXXX XXXX XXXX XXXX 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 XXXXThese date inaccuracies negativety impact my credit worthiness and must be corrected. 
My Request, Per Law : 1. Provide the futt tegat name of the originat creditor.

2. Verify at [ dates tisted on the account with documentation from the original creditor.

3. lf Caine & Weiner can not provide documented verification, the account must be corrected or deleted under : o FCRA S 611 ( aXs ) ( A ) - Unverifiabte information must be removed.

I have attached copies of my identification and proof of address to assist with the reinvestigation. 
Ptease completeyour reinvestigation and providewritten confirmation of the resuttswithin 3O days, as required by taw.

Thank you for your prompt attention to this matter. 
Sincerety, Your Name ( Sign if maiting a physical copy )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NM

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because my Experian credit report contains multiple hard inquiries that I did not authorize, and these inquiries appear to be connected to identity theft. These entries were made without my consent, which means there was no permissible purpose under 15 U.S.C. 1681b, and Experian has failed to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). The disputed inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting the CFPBs assistance, guidance, and intervention to ensure that Experian properly investigates these unauthorized inquiries, deletes them from my credit file, and corrects any harm caused by these unauthorized inquiries. I am also asking the CFPB to oversee this matter and ensure Experian complies with 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 2025-11-17 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: VA

Complaint narrative:
Equifax Dispute Letter Inaccurate Balance Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Re : Dispute of Inaccurate Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) To Whom It May Concern : I am writing to formally dispute inaccurate information reporting on my Equifax credit report regarding my XXXX XXXX XXXX XXXX  Credit Card account ending in XXXX. 
On my Equifax report, the balance for this account is being reported as increased from {$35.00} to {$52.00} between XX/XX/year> and XX/XX/year>. This information is false and does not match my actual account records. 
As shown in the official XXXX account screenshot attached, my current balance is {$0.00}, my available credit is {$200.00}, and the account is in good standing with no payment due. XXXX updates this account on the XXXX of every month, and the correct balance of {$0.00} should be reflected on my credit file. 
This inaccurate reporting violates your obligations under FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy in credit reports.

I am requesting the following : Immediate correction of the XXXX account balance to accurately reflect a {$0.00} balance. 
Deletion of any inaccurate data currently appearing on my report related to this account. 
Written confirmation once the correction has been made. 
Please investigate this matter promptly, as this inaccurate information may negatively impact my creditworthiness.

I have enclosed/attached : Screenshot of inaccurate Equifax reporting Screenshot of my XXXX account showing {$0.00} balance Any additional supporting documents requested This letter is also being copied and sent to the Federal Trade Commission XXXX FTC ) for documentation of this ongoing inaccuracy. 
Thank you for your prompt attention to this matter. I expect a full investigation and correction within the timeframe allowed by law. 
Sincerely, XXXX XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Balance : {$460.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/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 2025-11-17 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 entry does not correctly reflect my financial conduct. Please revise the information following review.

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 2025-11-17 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: MN

Complaint narrative:
I am writing to dispute the following accounts that I believe have inaccuracies in my credit reports. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate these accounts and ensure that they are reported accurately according to the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX, Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$480.00} Late Payments : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Not Available Balance : Not Available XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : Not Available Balance : Not Available XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : Not Available Balance : Not Available XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : Not Available Balance : Not Available XXXX  XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Not Available Balance : Not Available

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 2025-11-17 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:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX- Date assigned : XX/XX/XXXX XXXX XXXX XXXX Date assigned : XX/XX/XXXXXXXX XXXX XXXX XXXX Date assigned : XX/XX/XXXX XXXXXXXX XXXX XXXXDate assigned : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date assigned : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date assigned XXXX XX/XX/XXXXXXXX XXXX  XXXX date : XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX  PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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 am formally challenging the listed accounts, as I have no connection to them and did not approve their creation. I request immediate deletion and a full review. Documentation accompanies this request.

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 2025-11-17 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: CO

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may 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 explanation
Consumer complaint received 2025-11-17 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:
Dear Sir/Madam, I am submitting this dispute regarding the accounts listed below, as I believe the reported information is inaccurate or incomplete. Please investigate and correct the errors in my credit file : Charged Off Accounts : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: AZ

Complaint narrative:
My former apartment complex failed to send me a final bill as promised, then sent my account to collections without proper notice. The collection was reported to the credit bureaus even though I was never billed or given a chance to pay before it went to collections. I have since paid the account in full, but the collection remains on my credit report despite multiple deletion requests. The apartment complex can not provide proof that they ever sent the final bill or any certified mail notice. 

I moved out of my apartment on XX/XX/XXXXXXXX  and provided my new forwarding address in writing. The apartment office confirmed that a final bill would be sent to me. However, I never received a bill by mail or email. Instead, the account was sent directly to collections with no prior notice. 

I contacted the apartment complex multiple ( 4+ ) times and left 4 messages, but no one returned my calls. I later learned from the collections agency that the balance was {$3300.00}. I disputed the debt immediately, then paid it in full in XX/XX/XXXX in good faith. 

The collections agency told me that after full payment, I could request a deletion from my credit report. However, XXXX  has now denied three deletion requests, even though the apartment complex admits they can not produce proof that the final bill or certified letter was ever sent. 

I then tried contacting the XXXX XXXX community 8 times in XX/XX/XXXX for help resolving the issue to have this deleted from my credit report. I finally got in contact with XXXX at the complex where she helped me research my issue and could not verify I was sent a final bill for the amount due, as I have been stating this entire time. I requested my final bill and any proof it was sent to me, but she did not provide ( see attached emails ). 

I believe this reporting violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), since I was never properly notified of the debt, the creditor can not verify the validity of the debt, and I paid it promptly upon learning of it. 

I am requesting full deletion of the collection account from my credit report and confirmation that both the apartment complex and the collection agency have ceased reporting this debt. 

Attachments : Proof of payment in full Emails requesting proof of bill notice Apartments admission of no proof XXXX  dispute responses

Company response to consumer: Untimely response
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
CFPB COMPLAINT COLLECTION ACCOUNTS DISPUTE ( FDCPA 1692c + Metro2 + FCRA + Escrow ) Consumer : XXXX XXXX Credit Bureau Report Number : XXXX Date of Report : XX/XX/year> XXXX. Summary of the Issue Multiple collection accounts are being reported on my XXXX  credit report without validation, violating FDCPA 15 U.S.C. 1692c ( c ), FCRA 602, 607 ( b ), 611 ( a ), 623 ( a ), CFPB Regulation V 1022.42, XXXX Standards, and Escrow Chain-of-Custody Protocol. No collector provided ownership, contract, DOFD, chain of title, XXXX data, or validation. 

2. Problematic Behavior Identified Collectors continued reporting after my validation request, violating FDCPA 1692c ( c ). Reporting, updating balances, and furnishing derogatory data continued without validation.

XXXX. XXXX Compliance Violations- Missing DOFD - Duplicate Collection/Past Due/Charge-Off statuses- Illegal balance updates- Missing XXXX  dispute code - Missing XXXX fields ( XXXX, ECOA, Creditor Classification ) 4 . Escrow Chain-of-Custody Failures Collectors failed to provide chain-of-title documents, XXXX files, CRA logs, DOFD certification, account history XXXX or audit trails. 

5. FCRA Violations Violations include 602 ( accuracy ), 607 ( b ) ( CRA procedures ), 611 ( reinvestigation ), 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate data ).

6. Requested Relief A. Require XXXX  to obtain validation, XXXX data, DOFD, ownership, escrow files, and chain of title. 
B. Require deletion of all unverifiable collection accounts under FCRA 611 ( a ) ( 5 ) and FDCPA 1692c ( c ).

C. Conduct a furnisher audit.

D. Investigate XXXX accuracy procedures. 

7. Closing All collection accounts reported are unvalidated and non-compliant. I request CFPB intervention for deletion and enforcement.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CHERRY TECHNOLOGIES INC.
State: MS

Complaint narrative:
I received a collection account for a service that I did not receive, it also appears on my credit or loan report that I did not request. 
Cherry tech XXXX XXXX

Company response to consumer: Closed with explanation